davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2023 at XXXX XXXX I WENT TO NAVY FEDERAL TO DEPOSIT {$180.00} IN CASH AT THEIR OUTSIDE ATM. I RECEIVED AN ERROR MESSAGE STATING THERE WAS A PROBLEM AND THEY COULDT DEPOSIT THE {$180.00}. THERE THEN WAS AN ERROR MESSAGE RIGHT AFTER THAT SAID THEY COULDNT RETURN THE CASH. THE ATM MACHINE GAVE ME A RECEIPT THAT SAID WE ENCOUNTERED AN ISSUE RETURNING YOUR CASH, PLEASE CONTACT YOUR FINANCIAL INSTITUTION IN WHICH I DID THAT EVENING. THE {$180.00} WAS RETURNED TO ME AFTER 10 DAYS OF INVESTIGATING. ON XX/XX/2023, I RECEIVED A MESSAGE FROM MY BANK SAYING THE INVESTIGATION WAS OVER AND NO ERROR WAS FOUND SO THEY ARE TAKING THE {$180.00} BACK. I HAVE THE RECEIPT FROM THE ATM ANF THE COMPANY THAT OWNS THE ATM IS XXXX. ALTHOUGH THE ATM IS AT A NAVY FEDERAL BRANCH.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''
Consumer complaint received 2023-11-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: LORD MORTGAGE & LOAN, INC. (FL)

Did a refi with Lord Loans of XXXX XXXX Florida. They failed to file the deed timely. This has resulted in a XXXX increase on the trim notice as the deed was filed over one year later. They only filed after I delivered a notice to sue. The negligence has resulted in serious financial harm as my extra real estate taxes are XXXX more per month. This has been going on for XXXX years Lord loans has failed to provide the title insurance policy information. We are talking 2 years and nothing from Lord loans
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2023-11-12
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. (MS)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : # XXXXXXXX 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 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 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-12
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. (CA)

15 USC 1681e ( b ) According to the IRS canceled debt ( CHARGE-OFF ) is gross or ordinary income. Income dose not get reported on your credit report. So sinc income dose nt get reported on your cunsumer report. A ( CHARGE-OFF ) is inaccurate account and it have to be removed immediatelly.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

On XX/XX/XXXX XXXX XXXX I sent a letter to XXXX to update my personal information. I also sent a copy of my state issue ID, proof of residence and a copy of my social security card.
Consumer complaint received 2023-10-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: NEW YORK COMMUNITY BANCORP INC (FL)

On XX/XX/XXXX I submitted a complaint against Flagstar Bank ( # XXXX, see attached ) regarding their Partial Release process, and that it was the reason a property sale fell through. I had a contracted buyer that backed out after 3 months of extensions to a contract that began in XX/XX/XXXX, and still no Partial Release from Flagstar Bank. 

When I checked the status of my complaint on XX/XX/XXXX, the CFPB had closed the case because Flagstar Bank stated there was an unauthorized 3rd party involved. The CFPB agent ( XXXX ) that I spoke to reread the complaint to determine if there was actually a 3rd party included in the in my complaint. He verified that there was no 3rd party indicated in the complaint, only me and Flagstar Bank. The CFPB agent then suggested that possibly Flagstar Bank thought that I had not personally written and submitted the complaint. I find that a little insulting, considering they know nothing about me personally. However, I did write and submit the original complaint by myself, and sent Flagstar Bank an email stating so. The agent also suggested that since I had a name change ( I remarried during this long-drawn-out process ), that I attach a copy of my DL, marriage license, and a handwritten statement that I am the only person involved in writing and submitting the original complaint against Flagstar Bank. All of those documents are attached, as well as a copy of the original complaint and attachments that were submitted on XX/XX/XXXX. 

Please consider this an addendum to the original complaint. I still contend that Flagstar Bank 's unreasonably lengthy Partial Release process was solely responsible for the loss of a property sale with a contracted buyer. Please see original complaint for details regarding Flagstar Bank 's Partial Release policy, how it has impacted me, and my proposed resolution. 

Thank you for your assistance in this matter, it is greatly appreciated.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2023-11-13
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: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (NY)

on XX/XX/, I applied to consolidate my loans and be placed on the SAVE plan. It is now XXXX XXXX XXXX And I have yet to have this process completed. In that time period, over XXXX XXXX XXXX XXXX XXXX in interest has accumulated on my account due to servicer unable to timely process my application for SAVE ; I called Aidvantage multiple times and was told I just need to wait for it to process. I asked to speak to a supervisor and was told that was not an option; was hung up on on one of my calls with Aidvantage. 

This is unacceptable. I have provided studentaid.gov and Aidvantage with all the information / paperwork needed to process my consolidation/ SAVE application ; because Aidvantage has been unable to process my form in a timely manner, I have thousands of extra dollars in interest on my loans. This is a financial harm to the borrower and in my opinion is not acceptable.
Consumer complaint received 2018-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (TN)

WE RECIVED A LETTER IN LATE XX/XX/XXXX, THAT MY MOTHERS HOUSE PAYMENT WOULD BE GOING UP TO XXXX BECAUSE OF PAST DUE TAXES AND THEY WILL OPEN AN ESCROW ACCT. WE CALLED M & T BANK TO ADVISE THEM NOT TO OPEN AN ESCROW ACCT, THEY HER TAXES WERE BEING PAID MONTLY FOR THE COUNTY, AND ONLY {$98.00} WAS DUE AND WE HAD SENT CHECKS TO THE COUNTY OFFICE TO PROCESS  FINAL PAYMENT ON XX/XX/XXXX. WE WERE ADVISED THAT MT BANK SENT {$220.00}, BUT {$120.00} WAS SENT BACK TO THEM FOR OVERPAYMENT. XXXX ADVISED US TO SEND COPIES SHOWING WE PAY THE COUNTY TAXES. WE DID. IN XX/XX/XXXX, WE SPOKE TO XXXX XXXX XXXX  IN THE MORTGAGE CUSTOMER SUPPORT DEPARTMENT AT XXXX, SHE REVIEWED THE ACCT AND SEEN WHERE WE HAVE BEEN PAYING THE COUNTY TAXES FOR OVER 15 YEARS AND NEVER HAS MT BANK PAID, UNTIL NOW. SHE ADVISED US TO PAY THE {$98.00} TO HER BY CHECK AND THAT WOULD CLEAR THE PROBLEM UP. AND THAT MY MOTHERS ACCT WILL GO BACK TO REGULAR PAYMENTS AND TO WRITE AND ADVISED FOR MT BANK TO NOW OPEN AN ESCROW ACCT, BECAUSE WE PAY THE COUNTY TAXES AND MY MOMS GET A TAX FREEZE ON HER CITY TAX BECAUSE SHE ELDERLY AND XXXX, SO SHE DOESNT HAVE TO PAY THE CITY TAXES. I SENT THE LETTER IN XX/XX/XXXX, AND MT BANK WRITES BACK THEY ARE CONTINUING WITH THE ESCROW ACCT BECAUSE WE THE TAXES FOR XXXX AND XXXX WERE NOT REMITTED TIMELY. THE TAXES IN XXXX WERE PAID ON TIME AND WE HAD ARRGMTS FOR XXXX FOR THE {$98.00} DUE, WE NEVER RECEIVED ANY DELIQUENT NOTICE FROM OUR COUNTY TAX OFFICE BECAUSE WE PAY ON TIME. MY MOM COUNTY TAXES ARE ONLY {$300.00} AND MT BANK IS CHARGING HER AN EXTRA {$150.00} A MONTH. I SPOKE WITH XXXX A SUPERVISOR IN THE TAX CUSTOMER SERVICES CENTER ON XX/XX/XXXX HE ADVSD HE WILL RESEND TO ESCROW. I ASKED TO SPEAK WTH AN ESCROW REP HE REFUSED ADVS TO WAIT UNTIL THEY SENDS A LETTER. I ADVISED HIM IN 15 YEARS WE HAVE NEVER HAD A PROBLEM WITH PAYING THE HOUSE NOTE OR TAXES BUT NOW MT BANK WANTS TO OPEN AN ESCROW ACC WHICH WE REFUSED AND PAY TAXES THAT THEY SHOULDNT PAY. BECAUSE MY MOM GETS COUNTY AND CITY ASSISTANCE AND HAVE BEEN FOR YEARS. ALSO WE HAVE LEFT SEVERAL MESSAGES FOR XXXX XXXX XXXX TO CALL BACK, AND SHE HASNT CALLED PERIOD. ALSO LEFT MESSAGES ON HER VOICEMAIL, AND NO CALL BACK. ALSO LEFT MESSAGES FOR HER SUPVISIOER TO CALL BACK AND NO CALL BACK. MT BANK PREYS ON THE XXXX COMMUNITY AND NEEDS TO CLOSE DOWN. MY MOM HAS BEEN PAYING ON THIS ACCT FOR OVER 15 YEARS AND STILL OWES XXXX. SHE HAS ALREADY PAID OVER {$31000.00} AND WAS ONLY GIVE ABOUT 15K.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX OF XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX OF XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : On-Time Payment : I made my payment on time, as evidenced by the attached bank statements showing the payment was processed well before the due date. 
Clerical Error : I believe there was a reporting error, as I have never missed a payment for this account. A review of my payment history will confirm this. 
Payment Confirmation Provided : I have attached additional documentation showing that the payment was made in full and on time, as confirmed by the creditors own records. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I was startled to receive a notice from Experian that XXXX placed a collection account on my credit report, dropping my immaculate credit to XXXX. I opened a dispute with Experian the same day ( XX/XX/XXXX ) to explain that there is no humanly way possible that I've had an account with XXXX in almost a decade ( certainly longer than the 7-year reporting period for collection accounts ), because I have been completely XXXX XXXX XXXX XXXX since XXXX. After speaking with XXXX, they said the debt was from between XX/XX/XXXX and XX/XX/XXXX ( beyond the 7-year reporting period for collection accounts ). I also relayed to Experian that XXXX did not have my correct name, address, grade, service end date, unit, etc, so there is a large chance this debt ( regardless of date ) is a mistake. On XX/XX/XXXX, Experian said XXXX verified this debt as mine and it will stay on my credit report until XX/XX/XXXX. 

I opened a second dispute with Experian on XX/XX/XXXX, in a last-ditch attempt to show that there is no possible way I've been associated with XXXX in almost a decade and that XXXX themselves are saying this debt is over 10 years old. In a phone call with Experian on XX/XX/XXXX, Experian said that, while they believe me, their hands are tied and they have to keep this collection account on my credit report. Experian again confirmed that XXXX verified this debt as mine and it will stay on my credit report until XX/XX/XXXX. 

I work for a large firm who currently needs to do a credit inquiry for a corporate card. I wont qualify for the corporate card with my credit score at XXXX. Experian 's credit reporting errors are putting my livelihood and ability to feed my child at risk. 

I have not had an account with XXXX in almost a decade. There is no possible way I have a recent collections account with XXXX that should stay on my credit report for the next 7 years. Please remove this inaccurate collections account.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My credit repair journey began in XX/XX/year>. I called and reported Name, address and account discrepancies with each agency, Equifax, XXXX and XXXX. Then I filed a complaint with CFPB to remove negative reporting after attempts in writing to correct accounting with each creditor on my report. Notices of Billing Errors were sent to each creditor along with 1099s to alert them to their fraudulent claims and negative reporting to each credit reporting agency. Some of the reporting was removed but as of today the reports are not identical and are still showing negative remarks. I requested these to be removed in writing to each agency on XX/XX/year>. See Equifax 's copy of letter below highlighting each of the elements in the report that needed to be corrected and they Code 's and consumer laws supporting my demands. I am including the current credit report comparing each agency 's report and they are still not showing the updated/correct information and most are incorrect.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs, and they refuse to dispute or investigate the inquiries. Attached is and FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile.

15 USC 1681 ( c ) Furnishing reports in connection with credit or insurance transcations that are not initiated by consumer ( 3 ) Information regarding inquiries. Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Unauthorized Inquiries : 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
Consumer complaint received 2023-11-13
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. (TX)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-07-26
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. (PA)

Hello, my name XXXX XXXX XXXX XXXX. I have recently reviewed my credit report and came across multiple inaccuracies on my credit report. The following information doesnt belong to me. Please correct them immediately as i am unable to verify my identity because of this. I am a victim of identity theft and didnt make these charges. I provided a copy of the FTC report, it was reported to the federal trade commission please remove to correct my credit report thank you for your time.
Consumer complaint received 2024-07-26
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. (MS)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Account has been satisfied and the creditor is going to remove the account from my credit. Due to time, the creditor said that they have no control over how long itll take the bureaus to remove the debt. The creditor sent me the deletion letter, but XXXX in the midst of buying a house and need this deleted from my account asap, not up to 90 days later. 

Please remove the attached account from my credit immediately
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX