davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Violation of the following : 18 USC 8.

1692 g.

809.

15 US 1692 e.

Company sends approval emails and offers to shop, yet has supposedly closed the account?
Consumer complaint received 2015-09-03
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION (NC)

My wife and I are building a home in XXXX XXXX XXXX and we went to BB & T for a construction loan. We disclosed to the loan officer in XXXX of 2015 all of the conditions of our construction plans. We also disclosed that we had started construction and were going to build with {$200000.00}. of our cash of the {$360000.00}. estimated total cost. We disclosed that we owned the land outright. Our loan officer, XXXX XXXX, indicated that BB & T would be happy to make the loan after our initial submittal of tax returns, financial statements, retirement account statements, etc. 

Then the endless delays began in the processing of our application. We have been askedthree separate times to update information between XXXX and XXXX. Every time we have updated information for the bank, we experience one to three week delays then receive new requests. 

We explicitly requested that BB & T not move ahead with the appraisal unless they were confident that they could make the loan to us. When they ordered the appraisal and we paid for it, we took this as an indication that our loan was approved. We have never been told that we did not qualify for the loan yet we have never received anything in writing to confirm the loan approval. 

The closest we came to an approval was a request by BB & T to set a closing date on XXXX XXXX 2015. Mysteriously, the closing date was cancelled. No new closing date has been scheduled. 

Each time BB & T requires new information, and we provide, weeks pass with new requests coming. We received an email today, XXXX XXXX requesting information provided to the bank last week. 

Each time we lose our patience, and ask if we have been rejected, they say no, thay are eager to make this work. But there is no end in site. 

We have now spent our planned cash expenditure and are in need of the loan to continue the construction which is 62 % complete.
Consumer complaint received 2015-08-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (VA)

While reviewing my personal checking account through BB & T I noticed an electronic check processing to XXXX ( XXXX XXXX ) and in the from section it had an unknown individual ( s ) from XXXX, VA and the account number on the electronic check was not mine. I have accounts payable to XXXX but they are not in this amount so I called BB & T and XXXX in the corporate office began looking into the matter. While I was on hold for several minutes I called my wife who is a joint owner of the account to bring her up to speed. After approx XXXX min. the BB & T associate came back on the phone and stated that he had begun an investigation into the matter. That the funds would be returned to my account by the next business day and the bank would cover any overdraft items. He inquired if I had any outstanding payments that would be affected by this debit and my response was not to my knowledge however I have taken the time out of my day to audit my account find your employers huge error, missed time at work, my wife 's missed time at work and the matter of distress that this has caused me and my wife to think that a banking institution can have an unk glitch in their system that indiscriminately takes money from one customer and pays the federal debt of another is a major problem and all my bank offers me is an apology???? But if I make an error you bang my account for an XXXX overdraft fee!!!! Unbelievable
Consumer complaint received 2015-11-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (CA)

The Complainant and his wife have a HAMP mortgage with U.S. Bank Home Mortgage. The mortgage trial period plan effective date is XX/XX/XXXX. The Complainant has timely made all monthly mortgage payments. The Complainant has never been delinquent. In response to a letter from U.S. Bank Home Mortgage that was dated XX/XX/XXXX, the Complainant mailed to U.S. Bank Home Mortgage ( via USPS certified mail ) a signed Dodd-Frank Certification. The Complainant also requested in his cover letter that his loan be re-amortized. U.S. Bank Home Mortgage received the signed Dodd-Frank Certification and request for re-amortization on XX/XX/XXXX. ( USPS Certified Mail XXXX ). U.S. Bank Home Mortgage did not acknowledge receipt of the signed Dodd-Frank Certification nor respond to the Complainant 's request for re-amortization. 
Pursuant to Treasury guidelines, U.S. Bank Home Mortgage was required to make a {$5000.00} principal balance reduction payment to the Complainant 's mortgage account in XX/XX/XXXX, the month after the sixth anniversary of the month in which the HAMP trial period plan effective date occurred. U.S. Bank Home Mortgage has failed to make the {$5000.00} principal balance reduction payment. Additionally, U.S. Bank Home Mortgage failed to make an offer to recast or re-amortize the unpaid balance of our mortgage.
Consumer complaint received 2023-09-01
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (FL)

There is illegal collusion between the federal middle district Court in XXXX and Chase Bank. 
In XXXX, a realtor friend of mine warned me that he heard that Chase Bank asked the FBI to get me on " something '' because I refused to answer any of their " Have you stopped beating your wife? " self incriminating questions at their disposition. 
I had never been arrested before in my XXXX  years of life but when the FBI pointed XXXX Glocks ( these guns have no safety and we're inches from my head! ) at me and ordered me to " drop the broom! '' I was holding, I was arrested, handcuffed, leg shackled and taken to jail. 
They told me I had been secretly indicted by a grand jury, that I never saw, and nobody bothered to inform me that I was wanted for bank fraud, ( exaggerating my income on a Chase Bank mortgage loan application ). 
I have a reverse mortgage and social security income of XXXX a year. The XXXX XXXX XXXX XXXX XXXX is taking {$100.00} a month from my social security. I have paid over {$6600.00} so far since I got out of prison in XXXX, but Chase Bank has never answered my many motions to judge XXXX to confirm that Chase received any of my money. 
I have no debts. But my federal judge, XXXX XXXX, put Chase 's XXXX for $ XXXX on my house in XXXX, which is only worth {$200000.00}! 
This XXXX is illegal because Chase Bank never sent me an independent audit proving that they lost XXXX XXXX from my XXXX mortgage foreclosure That's the law requires! 
This Federal restitution XXXX on my homestead in Florida is preventing me from refinancing .Chase Bank never sent me a independent audit ( despite my many requests! ) as a banker informed me, '' They can not just pull figures out of the air and say you owe them this amount! They must give you an independent audit to prove their claimed losses or you don't have to pay them without this proof. '' XXXX XXXX, Chase Bank and XXXX XXXX  also say I owe them the same amount XXXX XXXX for my XXXX foreclosures on XXXX different properties, for XXXX different prices, on XXXX different dates, which is statistically impossible and my judge believed them! 
My many motions to my federal judge to remove his illegal XXXX on my home has resulted in nothing but a veiled threat that the government can seize my home and that my complaint is " trivial '' ( a XXXX XXXX dollar restitution XXXX, Trivial? ) This is a lifetime sentence and is cruel and unusual punishment! 

XXXX XXXX
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-25
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (MN)

We refinanced our mortgage in XX/XX/XXXX. We are just finding out NOW, 14 years ago, that satisfication of mortgage was never recorded at the county. It seemed very strange that we had refinanced XXXX times since XX/XX/XXXX with XXXX XXXX, but apparently this was missed - THREE times. After speaking to XXXX XXXX to ask why a title search was never done, they said that is the title companies responsibility ( which seems rather puzzling thinking this is what we paid closing costs to have the confidence that the tiltle had been searched ). 
The servicing company that we had previously was called XXXX XXXX. It took me months to go back 14 years ago to find this information. Would have been a lot easier to track a year later when refinanced in XXXX. XXXX XXXX is out of business and merged with a company called XXXX XXXX XXXX. XXXX XXXX XXXX changed its name to Seleect Portifolio Servicing. This company ( Select Portifolio Servicing ) is who we have been trying to get this satisfaction of mortgage from. Even though this shows paid in full on XX/XX/XXXX on our account - no one seems to be moving on this, calls me back, etc. even though I have requested escalated status and call several times a day ( several supervisors who never call me back ). We want to take out a small home improvement loan and we are not able to do this since this lien still shows on our title. It has been a nightmare dealing with this for the last two months. Is there a law in MN that this needs to be released in 60/90 days. We are at 14 years and STILL waiting. 
Please help ... ..thanks
Consumer complaint received 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (CA)

Verve platinum credit card services charged me with three XXXX $ late fees starting on XX/XX/2023 to XX/XX/2023. All of the min amount due monthly payments were made on time for this month. When reaching out to the credit card company they stated that my account was set up to pay a standard amount of XXXX $ per month. I do not recall submitting this at any time and they can not provide a statement or any documentation of when this may have been done. Then in XXXX when my balance was due of XXXX $ and some change that whole amount was taken from my account, at which time I called and was made aware of the information I just stated since I was making payments on time and did not check my account for a few months since I had set up recurring payments. At that time I asked them to provide me with a statement showing the change I have made for them to legally process payment for the XXXX $ since it was not the XXXX $ amount they stated is the payment arrangement I set up. They told me they do not show of me making that change and can not explain how or why it was done. I let them know if my min amount due changed previously why at that time before charging me with XXXX XXXX $ late fees totaling XXXX $ would they not take out the min amount due instead of the standard payment they say I set up of XXXX XXXX They could not explain this as well. At this time I have asked them to close the account to no longer acurre fees but I am still paying for these fees as well as the late fees. I asked them to open a claim and that my fees should be waived since I did not authorize any change or the increased amount to be taken from my account but they have failed to do so. At this time I need help in resolving this account. Thank you
Consumer complaint received 2023-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I have sent an wire for house purchase on XX/XX/2023 at XXXX XXXX via my HSBC bank account and they have kept withdrew my account. I learn after 9 days they have hold my wire to recipient for no reason. After speaking and telling importance, how this wire can jeopardize my transaction of house purchase, they assured me they will release it immediately. Today is XX/XX/XXXX and they have not released wire till now and have 0 communication to me, why they have hold the wire. 

I have to stick with non competitive lender because of this transection mismanagement by HSBC.
Consumer complaint received 2024-04-21
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. (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files.

Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights.

Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, 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)

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

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, Account name : # 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 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 convictions 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

This company was asked to remove a specific service several months ago from my account, and they acknowledged. They have continued to charge for it and have not removed it, and are now challenging me on this very subject. As you can see from the complaints this is not the only problem I have with them.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

As per FCRA 605B, it's required to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? Several listed accounts are inaccurately reported. Compensation of {$1000.00} is owed for each erroneous entry on my credit file.
Consumer complaint received 2023-09-01
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX