davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-07
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: U.S. BANCORP (LA)

All dates, amounts, and actions are included on the attached document. 

Background : My wife and I made an offer on a house that is contingent on a VA loan assumption with US Bank at the end of XX/XX/year>. During the process of assuming said loan, the US Bank Assumptions Department has continuously delayed the process in multiple ways. Please reference the attached timeline. 

Their procedures demonstrate either negligence to the process of a VA loan assumption, a blatant disregard to the well being of their clients in the self-interest of their company, or both. 

US Bank 's internal policies on VA Loan Assumptions appear to be specifically designed to delay the VA loan assumption process and focused on their self-interest. 

We have contacted the VA and their recommendation was to file a complaint with you, the CFPB.
Consumer complaint received 2024-09-07
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: Global Lending Services LLC (AL)

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> These Companies put inquiries on my credit report without my permission I didn't Authorize nor I consent for this companies to pull are view my credit report this is a violation of the Fair credit reporting Act Section 1681b ( c ) and a serious breach of my privacy rights
Consumer complaint received 2024-09-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (CA)

I am writing to formally request that BRIDGECREST ACCEPTANCE CORPORATION show cause as to why my account, identified by Account # XXXX and related to the vehicle identified by VIN : XXXX, has not been settled in full despite the actions I have taken to fulfill the financial obligations. 
Background : XXXX. Payoff Quotes : On XX/XX/2024, and XX/XX/2024, I received payoff quotes from Bridgecrest stating the amounts of {$39000.00} and {$39000.00}, respectively, as the payoff amounts due for the account. These amounts were valid for XXXX days from the respective dates.. 
XXXX. Payment in Full : As stated in my letters dated XX/XX/2024, and XX/XX/2024, I have formally disputed the handling of the reassignment of my loan agreement and have instructed that the enclosed payoff quotes be treated as negotiable instruments constituting " payment in full '' of the amount owed. This was based on the failure to notify me of the loan 's reassignment in accordance with the Uniform Commercial Code ( XXXX ) XXXX certified mail # XXXX Sent - XXXX mail # XXXX - Sent : XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX : On XX/XX/2024, I mailed a Registered Negotiable Instrument identified as XXXX XXXX XXXX XXXX XXXX, Serial Number XXXX, as a XXXX XXXX to complete the full amount of CHARGES, including all interest, charges, and hidden fees associated with my Bill of Lading ( Credit ). This money order was cashed, and by doing so, the XXXX XXXX agreed to the terms written on its face, enforceable by XXXX XXXX, XXXX mail # XXXX Sent : XXXX.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (ID)

US BANK ASSUMED THE MANAGEMENT OF MY RETIREMENT ACCOUNTS AND DID NOT ALLOW ME TO PROVIDE THE DIRECTION AS TO HOW MUCH MONEY WAS TO BE WITHDRAWN EACH YEAR. I WAS SUPPOSED TO BE ABLE TO SIGN A DISTRIBUTION DIRECTIVE ANNUALLY AND I WAS NOT ALLOWED TO BY US BANK. WHO MADE THESE DECISIONS AS TO HOW MUCH MONEY WAS TO BE DISTRIBUTED EACH YEAR? I HAVE REQUESTED THIS INFORMATION FOR OVER 3 YEARS AND IT HAS NOT BEEN PROVIDED. 

IN XXXX, MY ACCOUNT WAS CLOSED BY US BANK WITHOUT NOTICE AND I SUBMITTED A COMPLAINT TO US BANK. XXXX XXXX FROM US BANK RESPONDED AND HAS MY ACCOUNT REINSTATED WITH THE PREVIOUS BALANCE. 

IN XXXX, I TRIED TO MAKE A DEPOSIT TO MY ACCOUNT AND WAS TOLD THE ACCOUNT HAD BEEN CLOSED AGAIN. WHY WAS IT CLOSED AND WHERE DID THE FUNDS GO? 

I CALLED US BANK AND WAS TOLD THE ACCOUNT HAD BEEN CLOSED AND THAT I WAS NOTIFIED BY LETTER ON TWO DIFFERENT DATES IN XXXX BUT I NEVER RECEIVED ANY NOTICES NOR HAVE THEY BEEN PROVIDED.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (NY)

I spoke on XX/XX/year>, with Sallie Mae recovery team. I already explained to them about my online account access, they told me I have 2 active loans XXXX & XXXX, so I can access these 2 loans on my online portal, and they sent request to open my online account access for these loans.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX is reporting old outdated information that its more than seven years old on my Equifax credit report.

When I was in a forbearance pre-modification in XXXX, pre-covid. 
I was making my forbearance payments and XXXX  XXXX XXXX continues to report derogatory information on my credit report with Equifax. 
That is more than seven years old also.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank Of America is reporting old outdated information that its more than seven years old on my XXXX credit report. 
When I was in a forbearance pre-modification in XXXX, pre-covid. 
I was making my forbearance payments and Bank Of America continues to report derogatory information on my credit report with XXXX. 
That is more than seven years old also.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I been trying to get Experian to verify the source of verifier back to me they have failed to, to report back to me. I contacted the XXXX XXXX XXXX XXXXXXXX ask if they verify with the credit reporting agency, XXXX XXXX XXXX  XXXX sent saying they verify or report to the credit bureau 's or any other agency. I've included proof of a letter from the XXXX XXXX XXXX XXXX 
Also XXXX has responded saying the information was unverifiable so deleted the Bankruptcy from my Credit report and also XXXX, that's also stated it is unverifiable and has deleted it from my credit report so should Experian.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation (GA)

Per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022. 142 ( b ) ( 6 ).

I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself, XXXX XXXX XXXX, Last XXXX of XXXX : XXXX, XXXX : XX/XX/year>. Please delete the following accounts. XXXX XXXX XXXXXXXX XXXX XXXX. {$15000.00}, XXXX XXXX. {$400.00}, Department of Education XXXX XXXX. {$11000.00}, XXXX. bal. {$18000.00}, XXXX Security bal. {$52.00}.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Several months ago, XXXX withdrew the exact same amount from my checking account twice on the same day. I noticed it on my statement and assumed it was an error. 

During my call to USAA, they credited my account and " opened an investigation. '' Shortly thereafter, they returned the funds and informed me the investigation was complete. 

I tried calling XXXX for help at the same time. I wasted hours getting nowhere. 

After USAA returned my funds ( what I believed was the double payment ), XXXX immediately withdrew the same amount again and sent me an ugly letter saying my account was in arrears. 

I then attempted to get more help from USAA without any luck. 

I requested USAA coordinate with XXXX. I requested that tell me how they decided to refund my funds. I requested that they tell me how they would prevent this from happening again. 

The front line rep had no idea how to help me so I asked for a " manager of some sort. '' When asking the higher level employee ( I believe there is a euphemistic gaslighting title used instead of " manager '' ) to help, I was rudely and disrespectfully refused. That USAA employee also informed me that there was no one else at USAA who I could talk to to seek redress. He asserted that he had the authority to decline assistance and information to USAA members and that I, as a USAA member, had no further recourse.
Consumer complaint received 2024-07-25
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. (CA)

Experian needs to remove this bankruptcy from my credit file because it's unverifiable by the original source which is XXXX XXXX bankruptcy courts. Third -party source which is XXXX XXXX XXXX XXXX has stated in a letters that the information on bankruptcy is unverifiable. 
I have included this letter stating that Bankruptcy Court does not verify or don't verify this information. So this bankruptcy should be deleted off of my credit report so it doesn't affect my credit worthiness and I'm getting credit declined for credit for new accounts It's been hurting me and my family in regards to receiving new credit, All because of the inaccurate information that Experian is reporting on my credit file.
Consumer complaint received 2024-07-23
Product: Credit 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: AMERICAN EXPRESS COMPANY (AZ)

Today on XX/XX/2024, at XXXX XXXX  I was contacted by XXXX XXXX XXXX claiming to be American express and claiming that I had an account that had recently purchased a large amount of firearms. Said account was allegedly opened up earlier in the year in May and opened up in XXXX and I have not been to XXXX since I was a child. 
This was immediately suspicious because I very regularly track my credit reports and there has been no hard pulls on my credit for opening up a new account for many years since when I last opened up a bunch for the sake of building credit. 
I told them that I had an urgent appointment to get to and to give me a call back number, of course they did not and instead asked for a time to call me back while urging me that if I did not resolve this immediately that I would be liable for the purchases. We arranged a XXXX call back time and I immediately contacted AMEX support directly from my mobile app. They confirmed that I had no new accounts and that the only open account I have is my skymiles card that was unrelated to the scam call and I could see in the app had no new purchases on it. 
Anyway, the scam phone number again was XXXX XXXX XXXX.
Consumer complaint received 2024-07-22
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: EQUIFAX, INC. (CA)

I've asked XXXX to remove & verify with the original source of a bankruptcy being reported on my credit report that was not verified by the original source, which is the XXXX XXXX bankruptcy courts and also to send me proof that they verified this information through the original reporting source and they have not done that to this very day and I've also Submitted complaints and letters for the past four months since XX/XX/year> and to this very date and I have proof of letters that I have submitted to them and got unfavorable response back from them in regards to removing a bankruptcy off of my credit report that's unverifiable.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute several inaccuracies that I have discovered on my credit report, specifically in relation to the information provided by your bureau. I have attached documentation highlighting the errors and discrepancies that I have identified. 

Firstly, I would like to address the issue of the incorrect date of the account 's opening that is being reported across all three credit bureaus. 

Furthermore, I would like to draw your attention to the discrepancies regarding late payment information. As indicated in the attached documentation, there are variations in the reported months for the late payments on the account. This inconsistency not only misrepresents my payment history but also violates the Fair Credit Reporting Act, which mandates accurate and complete reporting of consumer information.According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit bureaus to ensure the accuracy and integrity of the information they report about consumers. Inaccurate information, such as the aforementioned errors, can have severe repercussions on my ability to access credit on fair terms and can potentially damage my financial reputation.
Consumer complaint received 2024-06-11
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. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (OH)

My issue is with AFFRIM inc. I began getting calls from them a few months ago that I had two separate loans that needed to be paid off, neither of which were taken out by me, though they had ALL my information attached to them. One was for XXXX dollars and the other around XXXX. I told them on several calls this is fraud and to please open a case, as the sales were made in XXXX  and I live in XXXX. They told me on every phone call from XXXX now ( XXXX ) they would open a case and not charge or report the items to credit for well over a month. However a few weeks would go buy I would hear nothing and then get another call and the same thing would happen and be told I owe money to them and was told again they opened an investigation, never any proof of this.
Consumer complaint received 2024-06-01
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. (AZ)

1st of all Experian and the reporting agencies did not get my consent in any form to share my information with any parties! The information is inaccurate and furthmore they are acting as though they are representing me. Under the FCRA USC 15. 1681 ( B2 ) what they have some is illegal.They show accountants that is well over 7 years! They have statements indicating that they had consulted with the dark web to ascertain my emails XXXX/XXXXXXXX Most of the addresses are in error are have been misconstrued. Some of these accounts are in litigation. It's all wrong fouled up!
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX - XX/XX/XXXX the account was resolved through emails and telephone payments made. Customer service and the credit department agreed not to send the account to collections with a payment of {$280.00} in addition to the {$37.00} which had already been made online. After reviewing my credit report, the account has been sent to collection anyway regardless of the payment agreement and should not have.
Consumer complaint received 2024-07-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (OK)

I attempted to make a withdrawal from my Marcus Savings account by Goldman Sachs on XX/XX/year> and it was temporarily available. The next day, my account was locked and I had no access to it. 

I called immediately and given my information to help identify my account with my name, date of birth, last four digits of my social and the secret word.

I was notified that they couldnt authenticate my identity because my phone number didnt qualify. The customer support agent recommended to verify with my ID, however because Im a Washington resident- it doesnt qualify. 

I was told Id be given a call within XXXX business day ( XXXX XX/XX/year> ), I waited and received no call. I waited for XXXX business days and called back and was told the same thing but to wait longer this time : 3-7 business days.

I havent done any fraud or anything against the terms and conditions of the account. Id like access to my account to withdraw my funds and pay my bills since its only Money Account I have funds in, please help!
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Velocity Portfolio Group (CA)

Did not authorize to use my information Inquiry details 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
Consumer complaint received 2024-07-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

For over a month I have been trying to transfer funds out of my Marcus by Goldman Sachs savings account. They have had no trouble transferring money into the account from my other banks but now that I need access to that money, they wont allow me access to it. I have sent them an affidavit of identity which they received a week ago ( according to usps tracking ) and they still have not processed it and claim they havent received it yet. I have had this account for years with no issues. They supposedly updated their policies but did not inform me that they did. They claim they cant use my phone number to authenticate me but they have no problem authenticating me for online banking with my phone number. They claim they cant use my email which also has no problem being used to get into online banking. I have provided them my name, social, date of birth, address, my secret word they make you put on your account, my phone number, my email, etc. I asked if there was an office that I can go to and they told me no. I asked if theres any other way to get this situated, I was told no. They are denying me access to my money even though I have provided them with everything they have asked for. I tried speaking to a manager and it got me nowhere.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Chime Financial Inc (OH)

{$9.00} was taken out my account and i didnt authorize this this is the second time that money was taken out my account I reported the card lost and stolen on XX/XX/XXXX they sent me a email stating my card was on the way and it never came
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

YOU ARE VIOLATING MY FCRA & FDCPA XXXXONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).