davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TX)

I have a mortgage thru US Bank. Received a letter that a loss mitigation app had been approved XX/XX/XXXX. They would send options and if I did not reply then they would assume no longer needed. Made no such app. Then received a letter saying I was approved for a 3 month plan of XXXX to begin in XXXX. A plan that I never applied for or approved. So I called again and they said they could not remove it but payments would be changed back to XXXX and file would be notated that I rejected the offer. I was worried this would affect my credit which would affect my job but I was to do my own error resolution apparently. He said if I made another payment in XXXX I would be caught up. Close to XXXX in one month. Was talked down to, nothing was researched except looking at their screen repeating well your XXXX pmt was deleted on our end you are 39 days late and I was due for XXXX. I said no I was told if I made 2 payments in XXXX I would be caught up next payment would be due XXXX. I have to do my own error resolution while working doubles with no days off. I will upload everything I have to show I am and have been current. When they set the plan up they set it to start in XXXX but letter received shows XXXX was to be start date. My whole XXXX pmt went into a suspense account. So now I am 40 days behind for XXXX payment. Ive tried calling 3 times but they talk down to me and dont even attempt to research. 

This all stems from an escrow shortage when there was not one. I listed the property last year. Listing ended in XXXX. XXXX went to closing with XXXX, received closing disclosure 30 minutes before closing. An hour after closing they send a corrected one to be signed due to a {$3.00} recording fee they forgot. I reviewed the doc and net to seller went down by $ XXXX. So I cancelled the closing. And have not tried to sell since then. 

I received a notice yesterday saying taxes have not been paid. But taxes and insurance are escrowed. I reviewed recent escrow statement and it shows that taxes and insurance payments have not increased but yet Im short {$1100.00} yet nothing had increased when payments had already gone up {$100.00} this year from XXXX to XXXX due to shortage. All of a sudden I receive a payoff statement XXXX of this year that taxes will be held in escrow until closing. Received no such notice when I was actually going to sell it last year. This seems to be their way of making me pay penalties for late taxes they did not pay but paid last year. 

So now I am behind on payments and taxes.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have disputed several times with Experian fraudulent things that are on my credit report due to identity theft. They have refused to accept my dispute claiming they didnt believe it was me. I filed a report in a complaint with the CFPB previously and the only thing Experian did was email me telling me I had to re-dispute everything that they had no type of file of me disputing anything, they are lying. They are refusing to let me dispute certain things because theyre connected to addresses that are fraudulent and theyre refusing to let me dispute addresses because theyre connected to fraudulent accounts. They have had several breaches, and I do not trust them. they have notified me that my information is on the black web, and it shows me different addresses, and names that are trying to use my Social Security number, but they refuse to do anything unless I pay them to remove them.
Consumer complaint received 2016-03-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Brock & Scott, PLLC (FL)

My home when into foreclosure because i lost my job and would no longer be able to make my payments. The servicers of my loan XXXX XXXX XXXX XXXX loans said I could give the house back to the bank and they would give me {$3000.00} if I left the house clean and complete. I agreed to this cash for keys settlement with Bank XXXX XXXX XXXX loans on XX/XX/XXXX. The bank told me that they would have there attorney write up the contract. I was told to empty the house because this deal would be done around 45 days. I was told to make sure I do not take any of the appliances ect out of the house or I will not receive XXXX. I cleaned and left the house, just like they asked me to. I left it clean and ready for them to take over. It took there attorney XXXX XXXX XXXX at Brock & Scott PLLC,XXXX XXXX XXXX XXXX XXXX, XXXX Fl XXXX till XX/XX/XXXX to have me except the terms and to XX/XX/XXXX to write the contract. I wrote, called, emailed the banks and there attorney over and over to ask them to please hurry with this cash for keys, because I was worried about people breaking in and people stealing things. It is now XX/XX/XXXX. I have wrote more letters, emailed, and called the banks attorney asking to finish this. There has been several break ins and the bank charges me {$740.00} for vacant house fees and other quarterly fees. I believe there attorney is dragging this on as long as he can so he can adds up all his monthly legal fees and than try to get a judgment against me to collect these fees. There attorney could have filed all the papers ect to finish this deal in 1 day. Instead its over 8 months and counting. There oral agreement was that it would 45 days. Yet they will not complete the written contract to give back he house.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

Experian is now refusing to conduct a reinvestigation for an XXXX XXXX account that Experian knows or should know is inaccurate/false/misleading. XXXX ) XXXX XX/XX/XXXX response to CFPB complaint XXXX and XXXX XX/XX/XXXX response to CFPB complaint XXXX alleges the account was charged off XXXX XX/XX/XXXX : " Your account was charged off on XX/XX/XXXX '' ; XXXX ) XX/XX/XXXX response to complaint ( XXXX ) XXXX, XXXX & XXXX makes clear XXXX will NOT change alleged payment history for account : XXXX However, we are unable to change the accurate reporting of your account. '' XXXX ) XXXX XX/XX/XXXX response to CFPB complaint claims the account was not being reported as charged-off due to alleged enrollment in financial relief program : " It is important to know, this charge off status was never reported to the credit bureaus due to the accounts status as participating in a financial relief plan. '' This statement is false because XXXX XX/XX/XXXX response to CFPB complaint makes clear there were no accomodations or payment agreements for my account : " Additionally, we are unable to locate a payment agreement from you. '' Even if I was enrolled in a financial relief program, the current financial relief offering from XXXX makes clear " If you do not make Monthly Program Payments by the following statement closing date ( on consecutive billing cycles } on any of your enrolled Card or Loan accountls, you may be removed from the Program ''. The payment history allegedly verified by XXXX is not consistent with XXXX explanation regarding enrollment in a financial relief program as cause for not furnishing account information with maximum possible accuracy. At some poin thereafter failure to pay in consecutive cycles would terminate any alleged enrollment in the program and would cause my account to begin reporting again with maximum possible accuracy : " If you do not comply with the Program Terms, we will report that status, which may negatively impact your credit score. '' Even XXXX XXXX ' own investigation ( XXXX ) are still in-progress ( see CFPB complaint XXXX and XXXX ). The explanations from XXXX regarding the false/misleading/innaccurate information for the account/tradeline is contradictory and the informattion furnished for this account beyond the date of charge-off is not reported with maximum accuracy and needs to be replaced with " No Data. ''
Consumer complaint received 2023-08-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stein Law, P.C. (CO)

I was served with papers from Mountain Peak Law Group regarding a loan from XXXX XXXX that was bought out by XXXX XXXX XXXX. I called them to discuss the debt and they had informed me what it was about. I agreed to make a payment arrangment. They were suppose to send me documentation of the debt which I never received. The only thing I received was a Judgment Stipulation by XXXX. Due to a hardship I had to consider Debt Relief options. The company I am working with said they needed a statement From Mountain Peak Law group showing the original creditor and the amount owed in order to help me with this debt. I called Mountain Peak Law Group and the sent me a payment history. The only information it showed was a payment I made to them and XXXX XXXX name. I called XXXX XXXXXXXX and they refused to send me information on the debt. They referred me back to Mountain Peak and told me to ask for verification of the debt. I emailed them Mountain Peak back and aked for the verification of the debt. They refused and told me to contact the court. I am filing this because, they never sent me verification of the debt from the start and now it is with the court. I dont understand why.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I have XXXX hard inquires on my Experian report that need to be removed. I wrote to them via certified mail about removing XXXX hard inquiries but they responded with only removing XXXX. This is fraudulent because I never authorized any individual from the listed companies to pull or review my consumer report and I also did not give Experian permission to furnish this information. This is a violation of 15 USC 1681 ( B ) ( C ).
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX XXXX  : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Over a 4 day period, XX/XX/XXXX to XX/XX/XXXX, I got 4 email notices of " transfer requests '', to withdraw {$16000.00} from my XXXX account with Bank of America. 
I responded to each, " this is not me '' ( abuse at bank of america.com ) But on XX/XX/XXXX, {$16000.00} was transferred to an unknown account, some XXXX XXXX account XXXX. I don't have any accounts with XXXX XXXX. I did not initiate this, and Bank of America did not contact me before this money was released. As of XX/XX/XXXX, they claim I owe them the full amount. 

My credit card was always just a credit card, in 20 years with bank of America 's credit card, I never asked for transfer of funds from my credit card. This should have been a red flag to check before releasing funds.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXXXXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX  : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/2023, I submitted a dispute for XXXX in the amount of {$150.00} for bank account ending in XXXX. I have submitted documentation to the bank showing that I returned the product and didn't receive my refund from the company. The bank account is now closed. The merchant advised they will not work with me any more due to they refunded it back to the closed bank account. I have contacted Ally Bank many times. Providing all the proof they are requesting from me. This dispute has been opened since XXXX and its now XXXX. I have not been provided any temporary credit and they decided to close my bank account without my authorization. They are stealing my money and violating Regulation E due to my dispute has been well opened more than the time frame its supposed to be open. They have not given me an update on my dispute and no funds have been provided. I keep asking to speak to a manager, do the callback requests for a survey for someone to call me back and no one has called me. I need assistance with retrieving my funds as Ally Bank is stealing my money from me. I believe they are retaliating against me and causing me harm and treating me poorly and unfairly. I dont understand why the dispute has been ongoing for over 6 months.
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact XXXX XXXX XXXX per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you. Also got a document from equifax that said it was not on my credi treport then i pulled on XXXX and its there.???
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2023 I received notice my application for a new Amazon Prime Visa Signature account was denied when I had never initiated an application for one. I called Chase who issues the card on behalf of Amazon Prime to inform them I had never applied for credit. When they asked for my social security number to reference the application I refused to provide it. I told them if the credit application had been submitted correctly they would already have my social security number, and an application submitted without the number was proof it was submitted without my consent. They refused to confirm or deny there was a social security number. They stated they could not remove the denial of credit from credit reporting agency records without my submission of my social security number.

I believe proof I never applied for a new AMAZON PRIME Visa Signature card account is validated by the absence of my social security number on/ with the application in their possession.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (GA)

US Bank closed my Business Checking Account without any form of notification. They told me that I will receive a check for the funds in my account in 2 weeks. It has been over a month and I have called them multiple times. They keep telling me that the account is to be closed but there is no expiration date or close date. They also mentioned that I will not be able to get my funds from the account until they close the account. 

I have XXXX USD in the account which was deposited on XX/XX/XXXX. I told them that I urgently need the funds and they continue repeating the same words on the account being put on hold before closing. 

I came to know of my account being closed on XX/XX/XXXX and it has 27 days since then with no timeframe of when I get my funds released to me. 

They cancelled their relationship with me and have not released the funds.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.