davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (VA)

My VA loan being serviced by US Bank has had a monthly billing of XXXX for the most recent history, however mysteriously and unannounced but for the month of XX/XX/2018 US Bank change that payment to XXXX. 

I am sure they have a reason for the new bill amount but my issue here is that it went unannounced and as a result causes me to incur a late fee, which I sent in after the payment of the previous payment received on the XX/XX/XXXX of  XXXX. The late fee that I sent in was for {$100.00} which included in gap between the XXXX amounts I sent in and the XXXX new amount due, {$6.00} My payments to U.S. bank are electronic transfers and scheduled by my bank. 

As a whole I have been satisfied with the servicing of the VA loan by US Bank. My concern here is that they not withhold important accounting information like Payment adjustments as a means to manufacture late fees. That would be unethical and corrupt practicing. This has not been my experience with US Bank. Brand and reputation goes a long way today. So I am bringing this to the attention of the bank both as a reminder and a complaint, that they did not provide me with accounting prior to the billing amount change nor forewarn me that a change was imminent. This lack of communication caused my payment to be late ( after the XXXX of the month ) because the amount I sent in before the XXXX did not match the new bill amount and as a consequence I had to send in a late fee plus the gap difference.
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (WI)

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

I have disputed this account on multiple occasions, as recently as XX/XX/2023. The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response. The XXXX XXXX account XXXX does not belong to me.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

in accordance with the fair credit reporting act convergent account # XXXX has violated my rights.

15 u.s.c 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-18
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. (WI)

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

I have disputed this account on multiple occasions, as recently as XX/XX/2023. The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response. The XXXX XXXX account XXXX does not belong to me.
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

This letter serves as my response to your recent communication regarding my Consumer Financial Protection Bureau ( CFPB ) complaint. After reviewing your response, I find that your company has failed to comply with applicable state and federal regulations concerning consumer rights and credit reporting. By not adhering to these legal standards, you have chosen to infringe upon my rights as a consumer, resulting in harm to my credit profile creditworthiness and financial standing. 

Due to your failure to uphold these regulatory obligations, I am left with no alternative but to initiate a formal complaint in my local district court. This action will address your non-compliance and seek appropriate remedies for the damages incurred as a result of your actions. You will find a copy attached to this compliant. 

I trust that, moving forward, you will take this matter seriously and review your procedures to ensure compliance with all applicable regulations to prevent further infringement on consumer rights. Should you wish to resolve this matter amicably prior to court proceedings, I am open to discussing a resolution that respects my legal rights and mitigates any further harm. 

Please direct any additional communication to me in writing at the address listed above. 

Thank you for your attention to this matter.
Consumer complaint received 2019-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

We were behind on our mortgage and sent in 2 checks to Mr. Cooper our " loan specialist '' XXXX XXXX stated they did not receive the payments in XXXX. In XXXX they stated we had to pay {$5600.00} in order to not be foreclosed on. We wired this in, when we did they still stated they did not have these 2 checks. They told me to issue stop payments on them. We did that then all of a sudden after the wire payment the 2 checks appeared both were already stopped payments. 

We were told by Ms. XXXX if we cured the default she would wave about {$900.00} in fees and we would be responsible for a couple of hundred remaining. When I asked about this she stated it was just a thought she had but she can't even though it was clearly stated in 2 separate phone calls in the beginning of XXXX. 

I was told by XXXX XXXX a supervisor as well as another supervisor XXXX that they would reimburse the stop payment fees seeing as they had them the whole time. I sent proof and they are still not reversing them and we are being hit with returned check fees. 

The {$5600.00} that was paid was including the month of XXXX as the account had to be made current. We mailed out the {$1200.00} check to cover XXXX 's payment. they received it on XX/XX/19 and it shows cashed but they did not apply it to our account. When I call they just pass the blame on to me to find the cashed check where they miss applied the funds.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank Of America refuses has unlawfully frozen my account for over a week now as punishment for filing an unauthorized charge claims, refused to let me close it, have access to my funds and as of today I am being told that the account has been officially closed even though ALL claims are still in the process of investigation and all access to my account information and all opportunity to recieve pertinent information regarding my open dispute claims and possibly help in the investigation has been denied. No provisional credits have been applied to be within the XXXX business days. They are not compliant with Reg E, Reg Z, or any type of error resolution process. Upon reading information on the CFPB site this seems to be a CONSISTANT issue with Bank Of America and are constantly unlawfully freezing peoples accounts and violating their consumer protection rights, which is probably why they have been fined by the CFPB for nearly XXXX XXXX dollars recently.
Consumer complaint received 2023-05-17
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. (CA)

I am the victim of Identity Theft and have my Identity Theft report attached along with this complaint. I have attempted to reach out to the companies who initiated the fraudulent accounts and the credit reporting agencies but nothing has been rectified as of now. 

In XX/XX/XXXX my wallet was stolen while at a XXXX in XXXX, California which contained my social security card, my driver 's license, and bank card. I was also notified that my personal information was compromised in data breaches by XXXX, XXXX, and XXXX. In XXXX of XXXX I checked my actual credit report for the first time since that situation occurred and found fraudulent accounts listed that I did not authorize including inquiries for credit products that I did not authorize. 

Those items are listed below : Accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXreported : XXXX, XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Delete these accounts and inquires : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3000.00}
Consumer complaint received 2023-05-17
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. (MI)

I contacted XXXX, XXXX, Experian, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX about fraudulent accounts that does not belong to me, multiple times. And they have yet to remove these fraudulent items from my credit report. I have filed a report with the police agency and FTC. All the accounts that needs to removed are as follows XXXX XXXX XXXXXXXX XX/XX/XXXX {$720.00}, XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2700.00}, XXXX XXXX XXXX {$350.00}.
Consumer complaint received 2023-04-22
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. (MS)

The investigation is taking longer than 30 days, I wasnt provided any proof of claim towards the account in question, I wasnt showed any results, and the accounts wasnt deleted as it should by law.
Consumer complaint received 2023-05-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NV)

The loan was with XXXX XXXX XXXXXXXX and then about 1 1/2 ago this bank called Selene finance company took over my loan and I have been trying to get a modification for about the last year and I have not been able toso they have filed for foreclosure on XX/XX/2023 I have filed the mediation paperwork for mediation I have not heard back from anyone yet and today is XX/XX/2023 my address is XXXXXXXX XXXX XXXX XXXX I have also applied for assistance with Nahac and they denied my application after what until I was passed due in an amount that they would not cover I have not heard nothing from this bank that is supposed to be carrying the loan at this present time me I feel like there is type of fraud or something I literally am asking for assistance with my home I have been in this home for 16 years and I cant seem to get any assistance.. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Nevada
Consumer complaint received 2023-05-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

On XX/XX/XXXX I received a letter from Bank of America stating that I was denied for a credit card. I have never nor would ever apply for any Bank of America Products. The inquiry hit my XXXX report which I have disputed as fraud and I have placed a fraud alert and froze my accounts with all there credit bureaus. I believe someone has used my information illegally as my personal information has been compromised by hacks to companies. The latest being XXXX  where every single personal detail was stolen online, SSN, email, passwords, addresses. I have disputed this inquiry and am making this fraud and identity theft report to help ensure the safety of my financial and physical existence.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Remove it from my credit report. TransUnion and this creditor are both in direct violation of 15 USC 1681c-2 ( a ) by continuing to report this fraudulent account to my credit report after numerous submissions of the necessary documentation proving I am not responsible for this debt. My rights are being violated and I will have to report this to the CFPB, FTC, XXXX and the attorney general as well. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

XXXX can not supply this information and proceed to just continue reporting this fraudulent account ; directly violating my rights as a consumer that I am entitled to per the FCRA.
Consumer complaint received 2024-09-07
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX illegally retaliated by closing my account the day after I submitted my fist ever complaint about them. Leaving me with an incorrect credit balance to be reported next month.Please see attached proof. They are still in the middle of two investigations which will bring my account down from XXXXXXXX XXXX  to less than XXXX. In efforts to avoid giving me back my money THAT EVEN THE COMPANIES AGREED IS DUE TO ME ( see my last compliant XXXX with the CFPb and the documents below ) they instead quickly closed my card during a random " credit check '' that's not even updated and the reason being " I have to many cards '' and " My balance is too high '' though I have XXXX  negitives when this is my only credit card without a XXXX due to the dispute if they would had took the time to ASK and know Equifax is on an internal hold DUE TO FRAUD intil i turn in my ID and social and XXXX  they dont update anythingor let accounts open the dates on that report are OLD. Please see attached balances on my other accounts attached. This us 100 % fear based illegal practices. Either you guys CALL or email me and tell me why my last dispute or information below wasn't enough to close the disputes in my favor AND explain to me even if you are closing my account why the Fraud portion isn't even subtracted AND advise me on how I pay my balance off and have used this card for YEARS now the first time tou need to help me I have a random credit check. I'll get a lawyer if needed that's 0 issue. 

Cards showing balances XXXX XXXX XXXX XXXX as oXXXX XXXX XXXX XXXX XXXX as of XXXX XXXX XXXX XXXX they actually owe me for over payment as of XXXX XXXX XXXX XXXX both XXXX XXXX XXXX!
Consumer complaint received 2023-05-17
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

I was offered to purchase a machine used as a demonstrator at an attractive price, but the company wanted me to use XXXX, where I did not have an account. I started setting up the account, but before my identity was verified as required by XXXX laundering laws and XXXX XXXX, the machine had been sold to someone else. In compliance with its policy, XXXX cancelled the transaction, including any fee it may have obtained, since it had not met XXXX 's policy. My XXXX  account has since been completely closed. Capital One apparently sent money to XXXX, but, since the transaction was cancelled, reversed the charge to my credit card. Later, Capital One recharged my card even though the legal requirements to set up the XXXX account were never completed ( i.e. it was started, but not verified ), XXXX cancelled the transaction, the machine was never sent to me, and I no longer have an account with XXXX. I do not know what XXXX will do with money sent for a cancelled transaction to a closed account, but they should refuse it ; I also do not know what Capital One will do with money they send in violation of XXXX/anti-money trafficking laws and the policy of the recipient, but suspect if they so blatantly violate the law, they will steal the money. Due to a medical event, I have cognitive difficulty and Capital One has ignored my request for assistance.