davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I received a Cashiers Check from a long time BOA customer and deposited the funds in my long term BOA account at the branch the Cashier check was obtained. Upon deposit I was given written documentation stating that the week long hold was placed on ( my ) deposit because we have information indicating the check may be returned. This is a misleading, false and deceptive statement. I would like immediate access to the funds OR interest at my current savings rate of 4.75 % APR until the funds are made available.
Consumer complaint received 2024-02-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC (VA)

Specialized Loan Servicing ( SLS ) is attempting to enforce a XXXX XXXX Mortgage to foreclose on our house. 

The {$130000.00} second mortgage was originated under duress in XX/XX/XXXX as part of the early fall-out of the impending housing crisis -- we were among the first victims to get stuck. The mortgage was designed to be a bridge loan until our previous house sold ; but the bridge loan failed, and we were stuck paying an extra $ XXXX for our housing payment. 

After paying the loan for five years, our first mortgage adjusted up {$1000.00}, and we were no longer able to afford payments on the second mortgage. We sought out legal counsel, and we were told that we should stop paying the second mortgage since our house was about {$200000.00} under water. When we stopped paying the second mortgage in XXXX, SLS accelerated the loan and threatened us with foreclosure. But they never filed Over the next decade we received occasional notices that our loan had been bought by another entity, and we received two more additional threats of acceleration and foreclosure -- the most recent was last spring.

SLS filed foreclosure proceedings against us late last year, and has forced us to declare bankruptcy.

We believe that SLS should not be allowed to enforce this lien against us since the loan was originated under duress and since they neglected to enforce any action against us for more than a decade.
Consumer complaint received 2024-03-29
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. (IL)

XX/XX/year>, I looked at my report. I sent a letter to experian on XXXX asking them to reinvestigate these accounts XXXX XXXX XXXX XXXXXXXX status XX/XX/year> balance XXXX recent payment XXXX  monthly payment XXXX, high balance XXXX, and XXXX XXXX status update XX/XX/XXXX, past due XXXX, highest balance XXXX monthly payment XXXX they sent me their investigation and said these accounts are complete and accurate. I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Experian really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Consumer complaint received 2024-03-08
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

XXXX XXXX XXXX Numerous times family members and friends gave purchased their gift cards and their money were stolen and when we call the company customer service someone from XXXX picks up and ask us to submit our government ID and they MAY give us money back. I think their gift card security is either breached and they don't want to disclose it to public which can affect their sales or more likely they use the deposited money themselves either directly or indirectly with the hope that out of 100 people whose money they steal only a small percentage of people will actually go through the hassle of multi-step card replacement and dispute transaction process to claim their money back. That's dishonest and fraud especially when we have to pay an extra {$5.00} to XXXX when we purchase their card for convenience of use and security. Please kindly investigate their business. Thank you very much for being our advocate!
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2024 I submitted the completed form as well as the two pieces of documentation requested. The website stated to expect a reply in 3-5 days. I have heard nothing.

The website also tried to force me to obtain other services before it would let me do what I wanted to do.
Consumer complaint received 2024-03-29
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. (TX)

I am requesting to remove a hard inquiry that appears on my credit report. Upon reviewing my credit report, I noticed an inquiry that I did not authorize. I have thoroughly reviewed my records and have not applied for credit or initiated any transactions with the aforementioned creditor on the specified date. Therefore, I believe this inquiry is unauthorized and inaccurately reflects on my credit report.
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CO)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-09-22
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 am writing to formally lodge a complaint regarding the presence of fraudulent items on my credit report. Specifically, I have identified inaccurately reported addresses and unauthorized inquiries that are adversely impacting my creditworthiness and causing significant concern. This letter serves as a formal request for the immediate removal and correction of these erroneous entries. 

The fraudulent items on my credit report are as follows : Inaccurate Addresses ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I dispute the accuracy of these addresses as they are not associated with me in any way. It is crucial to maintain the correct address information on my credit report to prevent any potential identity theft or fraudulent activity. 

Unauthorized Inquiries : 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 XXXX XXXX XXXX XXXX 

I have not authorized any of the above-listed inquiries, and their presence on my credit report is of great concern to me. Unauthorized inquiries can negatively impact my credit score and suggest potential fraudulent activity. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate, complete, and free from inaccuracies. The presence of these fraudulent items not only violates the FCRA but also poses a risk to my financial security and creditworthiness. 

I kindly request that your agency conducts a prompt and thorough investigation into these fraudulent items, including the inaccurate addresses and unauthorized inquiries. It is imperative that you take immediate action to correct these errors and ensure that my credit report accurately reflects my financial history. 

Additionally, I request that you notify all the credit reporting agencies to which you have provided this erroneous information to prevent the continued dissemination of these inaccuracies. 

I expect your agency to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, confirming the removal and correction of the fraudulent items from my credit report.
Consumer complaint received 2023-09-22
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-03-29
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: Experian Information Solutions Inc. (AZ)

Upon reviewing my credit report, I've noticed discrepancies and fraudulent activities associated with the following accounts. I am displeased with this discovery and insist on the prompt removal of these fraudulent accounts.
Consumer complaint received 2023-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (TX)

I was wondering why in the world is Credit Karma accessing my credit through soft inquiries. They have access my report 100 times from XX/XX/year> to this month of XX/XX/year>? I also have other companies accessing my report without my information and feel that is why I believe my credit report has been used incorrectly. 
Thank you for your help.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC (AZ)

Note : This action is being taken against New York Community Bank ( NYCB ).

Background : I notified NYCB in writing and by phone months ago of this issue. This problem came to our attention when we were in the process of evaluating our property and making future plans. We had thought this problem was resolved, but come to find out, over 7 years later, that the XXXX XXXX records are inaccurate. 

With that stated, in XXXX a loan modification was commenced between us and XXXX certifying us back to the property and on the title again in our favor. After the foreclosure attempt and subsequent rescinding ; however, all that happened in XXXX. 

Due to the unique circumstances and many changes done in the loan modification that differ from the original it has caused issues and leaves us open to fraudulent activity due to all documents not being filed as required. 



Issue : The Loan Modification is Dated XX/XX/XXXX with notarization completed first part of XX/XX/XXXX. The XXXX XXXX recorders office, state of Arizona, does not reflect the correct documents per governmental institutions requirements for Lender compliance ; when major changes are done in a Loan Modification. 

All the documents were not filed to reflect modification accurately or to provide a clean title, which leaves us open to fraudulent activity and is not allowing us to do as we wish with our property.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (OR)

On XX/XX/XXXX, I requested to reallocate {$20000.00} of credit limit from my Amex XXXX card to my newly approved XXXX XXXX XXXX card using XXXX 's online tool. The credit limit was deducted from my XXXX card, but never arrived on the XXXX card. 

On XX/XX/XXXX, I called the number on the back of my card to inquire about the status of my reallocation request. The customer service representative said the systems shows the reallocation request has been approved, but they weren't sure why it hasn't showed up on the new card. I was put on hold while they investigated the issue, and after about an hour I was told the issue requires further investigation, and their supervisor will call me within XXXX hours with an update. 

As of today ( XX/XX/XXXX ), I have not yet received any update from XXXX, and the {$20000.00} of credit limit still hasn't shown up on my BCP card, nor has it been returned to my XXXX card.
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC. (NY)

In XXXX, my spouse at the time consolidated our student loans. My balance at that time was {$46000.00}, hers was {$97000.00}, making a total of {$140000.00}. The loan was originally with XXXX XXXX, currently it is Navient. We had children in XXXX and XXXX and were living on XXXX limited income so we stupidly placed the loan in forebearance as interest accumulated. We have been on Income-Based Repayment for 10 years now as interest continues to be accrued. The current loan is {$450000.00}, making a total of {$300000.00} in interest. My wife is now my e-wife but we are still sharing the payments. Ther XXXX  continues to increase due to the size of the loan. It is currently over {$1000.00} per month. While we do not work for non-profit, we have both worked with XXXX individuals for more than 20 years. We are both modest income people. I am XXXX XXXX XXXX and looking towards retirement. Is there anything that can be done? Thank you
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I have called and XXXX XXXX and Chex system and they keep telling me to call each other. Chex system says I have a an account of XXXX $ I owe and I never used a XXXX XXXX account I called XXXX XXXX they said they do not see anything that shows I owe this money. Please help me resolve this I cant get a bank account nothing I cant even get my report from Chex system
Consumer complaint received 2024-03-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (NC)

Security Credit Servic, Account number XXXX, balance {$190.00}. 

I am unaware of this debt, I didnt have an opportunity to dispute this information. I did not receive proper notification, if in fact you believe you gave me proper notification then please send me the certified receipt with my name on it along with my signature stating that I received it.
Consumer complaint received 2024-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

My identity was stolen in XXXX and used to open a series of retail electricity accounts in XXXX, Texas. Two of those accounts were opened in XX/XX/XXXX with XXXX XXXX XXXX. I never authorized those accounts and had no knowledge of them. In XX/XX/XXXX, those accounts were reported to the credit bureaus as being in collections with LVNV Funding. I disputed this with the credit bureaus, and LVNV Funding falsely said they had verified the account as being mine.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (NC)

I called in last week to unfreeze my report to Experian. I am applying for a mortgage and need the report unfrozen. Experian obliged then offered me 24/7 credit monitoring and I said no. No need I am retired and rarely apply for credit. Plus, I freeze all three reports anyway after I apply for credit. The rep seemed like she needed to make a sale to make a quota. My opinion naturally. I said no again. The call ended and XXXX days later I was charged around {$24.00} on a credit card that I did not even give the rep. Amazing. I protested and they said they would cancel the membership that I signed up for. Even though I told the customer rep that I did not sign up for it. 

My bank is looking ( credit card bank that is ) into the charge and has provided a provisional credit back to me. I wanted the CFPB to know as others may be prone to this scam.
Consumer complaint received 2024-03-08
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. (TX)

XX/XX/XXXX To whom it may concern : I need your professional assistance. 

I am finding that no matter how much Present Positive credit information the credit bureaus should be reporting to my credit files monthly, they have refused to update my credit files with this information, and they are not raising my credit score accordingly. 

Instead, they are allowing old creditors that I have had nothing to do with for 5 years, the bureaus are allowing these old creditors to destroy and slander my name, and Present credit rating, by going along with them and falsely placing untruthful derogatory old account information onto my credit files. 

The bureaus are unjustly keeping my credit scores low, and they have caused my Present Creditors to lower my credit limits, due to the fraudulent false lies that they are reporting to my credit files, by RE-AGING, old False Derogatory, Negative Payment, and Account Status information from the old 5-year-old accounts. 

The credit bureaus have old XXXX accounts, being made to appear as if I have Brand New Collections, and Brand New Charge off accounts, as well as Past due payments, AND NONE OF THIS IS TRUE. 

For years I have had to go through this, every year like clockwork the credit bureaus continue to do this, just as they have already done for the beginning of this year XXXX. 

My credit files and credit scores have been further ruined by the wrongful false fraudulent RE-AGED DEBTS, AND ACCOUNTS that the credit bureaus continue to update as though they are new. 

This has happened so much, and for so long, that it is so obvious that this is being done deliberately. 
And this is why I am seeking your assistance, I have an excellent payment record, and the credit bureaus are deliberately not reporting my accurate credit rating information, and as stated they are deliberately keeping my credit scores in the low XXXX, thereby keeping me from conducting financial transactions that I should be free to make, like any other consumer. 

Every month I pay a mortgage, and other debts, and it is only fair that my credit reports reflect the true history of my payments. 

Not the made up lies that are being reported to keep me down. 

I would like to have someone at the credit bureaus in an upper managerial position to investigate the abuses that have been continually being done to my credit files.