davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
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. (TX)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi I recently checked my credit report and realized that the following account from XXXX XXXX  XXXX XXXX is an account I did not open. This account is really hindering my credit report and in result can not get a mortgage for a house I'm trying to buy.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Dear CFBB Representative, I writing to you on two fronts. The 1st item is XXXX. XXXX XXXX has tried to collect on an incorrect balance and terms 3 times on my credit bureau. 3 times through their name and 2 times through outside collection agencies. In a discussion with their collection XXXX  XXXX XXXX I disputed the debt amount listed on this credit report for {$1600.00}. They abruptly closed the account as did XXXX. They sent it to a 3rd agency I disputed it again and they closed the account. Now, XXXX continues to list the account in closed account charge off status when they know this is all inaccurate and incorrect. This is one of several complaints I've filed with XXXX I'll never use their services again. 

The 2nd item is the credit bureaus in their entirety. I have attached my credit report. All accounts in good standing. I've leveraged some credit in home improvement efforts, I've bought and sold a couple personal vehicles. Accounts were paid in full. The credit bureau docked my credit score all but 100 points! I haven't done anything to warrant this level of a drop. It's like I filed for bankruptcy and I haven't! In addition, due to this aggressive drop determined by the credit bureaus, XXXXXXXX XXXX  canceled a credit account I had with XXXX XXXX XXXX for {$500.00} and XXXX XXXX XXXX for {$1200.00}. Both accounts were {$0.00} and paid in full any time a charge was made. I've never had a bank re-check credit after I was already approved by them for a credit account less than 2 months after these accounts were opened. I would like to know what the credit bureaus feel they know about me that they are not reporting. Obviously they are reporting the wrong information. In the most recent automobile purchase due to this inaccurate credit standing I had to accept financing terms at a rate that's over 10 % higher than the most competitive rate. My mortgage rate had to be accepted at a rate the was over 3 % higher than than the most competitive rate. It's forced me to look to lower interest rates and payments when my score works back to a more " average '' status. Credit bureaus are discriminating against my credit file. I would like to have them disclose their information in my name in it's entirety, explain why my credit score is less than some that have filed for bankruptcy, and I would like to have all inaccurate information removed from my credit report. They all have violated my rights as reported under the FCRA. I appreciate your attention to this matter! 

Respectfully, XXXX XXXX
Consumer complaint received 2023-12-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Transaction misclassification and transaction reordering to find an excuse to charge me a XXXX fee. Bank of America misclassified my XXXX  XXXX transaction ( a XXXX purchase at XXXX ) just to charge me a XXXX fee. First, the XXXX card purchase should have been declined if the account did not have sufficient funds. Second, according to the XXXX statement I am attaching, after the XXXX point-of-sale purchase and the XXXX fee, the account balance was - XXXX, which means that the account balance before the transaction was - XXXX + XXXX + XXXX = XXXX. After the XXXX purchase, therefore, the account balance was XXXX It suggests Bank of America somehow reordered the transactions to find a way to charge me a XXXX fee.
Consumer complaint received 2023-05-05
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. (HI)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-07-08
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: Experian Information Solutions Inc. (TX)

On XX/XX/23 XX/XX/23 I have contacted XXXX XXXX XXXX XXXX Experian via certified mail to dispute inquiries & fraudulent accounts on my credit report I have sent in proof of address proof of identity proof of ssn also proof of FTC & AFFIDAVITS stating proving my claims However XXXX XXXX XXXX failed to protect my consumer rights accordingly to section 605 of the fair credit reporting act Now I have every right to file. Civil LAWSUITS AGAINST EACH PARTY Im attaching Proof of address proof of ssn Proof of police report
Consumer complaint received 2023-05-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (MN)

I was offered a loan modification program through my mortgage company. I was contacted once I was behind on a payment. To make a long story short for nine months I was contacted to make payments on this loan and was told that any foreclosure information I had gotten was taken care of, and I should not worry as the loan was in good standing with The company. I have much documentation to provide. I just not sure it is able to be sent in this format, so please feel free to contact me if youd like the information that I have for nine months they made me get prepaid cards from XXXX to pay them. I know it sounds ridiculous and I shouldve known better, but they had What seem to be legitimate emails and would send me emails with my mortgage company/banks logo and at one time when I question them on the phone they told me if I didnt want to help them they were in no way responsible for helping me repay my loan. I was able to make up my loan payment within three months but they kept having reasons why it wasnt going through and now that my redemption period is going to be up on XX/XX/XXXX. I am not able to contact anybody that previously was talking to me about my loan modification.
Consumer complaint received 2023-12-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

Today is XX/XX/XXXX. I have been waiting since XX/XX/XXXX for Mohela to process an electronically submitted XXXX XXXX XXXX form for my last payment. 

In the meantime, Mohela has decided to mark my loan as XXXX in spite of : XXXX. My loan would be forgiven by now if they would just process my XXXX XXXX certification XXXX. My loan is not in repayment according to the account update posted on my log-in page. Screenshot of this provided I suspect that Mohela is charging the XXXX for each month that a loan is open and this is a way for them to make more money fraudulently.
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (TX)

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 XXXXXXXX, 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 2023-04-20
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. (CO)

Even though I have provided proof that an account ( XXXX  ) is open under my name due to fraudulent activity, Experian has left it on the report. I have previously been impacted by increased rates costing my higher monthly premiums. Now I am getting rejected for what was previously pre-approved credit from companies ( see attached ).
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXXXXXX 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 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 2017-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On XXXX/XXXX/XXXX, I submitted a request to Transunion asking to have XXXX public records deleted from my credit report because they no longer met the new minimum federal guidelines for reporting. Transunion responded by stating the information was correct ; but they never addressed the initial request to remove the aforementioned items because they did not contain the minimum consumer identifying information. I submitted a second request on XXXX/XXXX/XXXX and included copies of the public records with the missing consumer information, however Transunion has failed to respond.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: MECHANICS BANK (CA)

A 30 day late was incorrectly placed on my credit report and I have placed countless calls to Mechanics Bank to try and rectify this error. They continue to lie and cover up their mistakes and not letting me speak to a supervisor who the customer service agents say that is the only way to fix the issue but they are never available. I've asked them to " run their tapes back for quality assurance '' but that request is also ignored. 

I have not received a statement from Mechanics Bank as they have the incorrect address on my account. The listed address is in XXXX XXXX, Az. I do not nor have I ever lived in XXXX XXXX, Az. I did not give Mechanics Bank that address. I have not been properly notified of any billing concerns or regular statements. Pursuant to consumer Fair reporting act 1026.5 ( b ) ( 2 ) and 5 ( b ) ( 2 ) ( i ) my rights have been violated. I am requesting immediate reversal of the improperly reported to all credit bureaus.

As the lien holder, they should know my address associated with the DMV, registration and car insurance is still in CA. My primary address which is also my DMV registered address and a home I own. NO other creditors/car loans made this mistake. ONLY MECHANICS BANK. 

Per Customer Service rep on XXXX the reason Mechanics Bank changed my address was because a change of address came in on XX/XX/2021 for the household of a sold home. This is also incorrect because the home wasn't sold until XX/XX/2021. Even if that is the case, Mechanics bank changed my account information without verifying it with me, the borrower. 

I've asked several times for a curtesy reversal/corrections as my car is now paid off with this predatory bank. The customer services agent says " no because we've left messages for you and your account has been passed due before ''. Regardless if my account has been passed due before, this filing is inaccurate and I have not received statements and therefore should be removed from all bureaus.
Consumer complaint received 2023-07-03
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. (NJ)

Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.
Consumer complaint received 2023-05-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (LA)

My mortgage lender is Fifth Third Bank ( 53.com ). Please see the email below, which I sent to the banks executive team this afternoon. It contains all pertinent details regarding my complaint. 


Good afternoon, All, I am writing to express my complete and utter frustration with your loss mitigation practices. To be frank, I feel as though your team did not honor the hardship agreement that was finalized in XX/XX/2023. Consequently, I have every intention of filing an official complaint with the Consumer Financial Protection Bureau. 

I was contacted by a member of your loss mitigation department today because your records indicated my mortgage was in default. However, I had entered into a three-month forbearance agreement with 53 in XX/XX/2023. As I understood it, the payments due for the months of XXXX, XXXX, and XX/XX/2023 would be divided and added to my next six payments. I was fully prepared to honor this agreement. 

Unfortunately, your representative informed me that a repayment plan was never created by your team, and now he had to review my financials again to see if I qualified. Even though I have secured a new, six-figure job starting XX/XX/2023, I was told I did not qualify for the repayment plan due to my total household expenses. Therefore, I either had to remit full payment to reinstate the loan OR pursue other options such as short sale. 

I remitted the full $ XXXX today under duress. While I am thankful to have been in a position to do so, I can not help but wonder how many of your other customers have experienced similar issues. Would I have lost my home had I not drained my savings account to remit the payment? Not only is failing to honor the repayment plan unethical, I believe it borders on predatory lending practices for which I will ask the CFPB to investigate.
Consumer complaint received 2023-05-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC (AR)

I received a letter saying a debt was trying to be collected reference number XXXX from XXXX. I never received any notice. This was due I paid the last bill. It was set up on auto draft. Therefore the last bill shouldve drafted out of my account. I never stopped the draft. This is sent in error. Please send correspondence letting me know that has been wiped out as this that is not owed.
Consumer complaint received 2024-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (DE)

I am writing to formally lodge a complaint regarding the handling of my mortgage account with FNB. Specifically, I have encountered significant challenges in attempting to have Private Mortgage Insurance ( PMI ) removed from my account despite meeting the necessary criteria. I been trying to get private mortgage removed I'm well under my 80 % and they said I couldn't because I wasn't last year now that I made many extra payments and some large payment to my principle balance and have reach under 80 % I wrote them XXXX  times again throughout the year to get it removed and now they are saying I had XXXX late payment I am XXXX years ahead of my mortgage term as I looked over my Amortization Schedule, they are saying it can't be removed until XXXX, I feel they are holding me capture against my will to get this resolved if this is there policy for a late payment someone needs to do something I can see if a person had multiple lates if this is true, they didn't even offer to reappraised my property because they are robbing people to keep that insurance on their mortgages I did my part keeping my mortgage current. According to the terms of my mortgage agreement, PMI is required until the loan-to-value ratio reaches below 80 %. I recently took substantial efforts to reduce my principal balance, which has effectively brought my loan-to-value ratio well below the required threshold of 80 %. Despite this achievement, I have encountered resistance from FNB in having the PMI removed promptly. This severely impedes my ability to proceed with the PMI removal process and save myself some funds. This situation is highly frustrating and disappointing, especially given my proactive efforts to manage my mortgage. The continued requirement to pay PMI unfairly burdens me financially. I hope FNB rectify this issue immediately by : Initiating the process to remove PMI from my mortgage account based on the current loan-to-value ratio, which is well below 80 %. I trust that FNB will take swift action to address and resolve this issue satisfactorily for the sake of fairness to the consumer.
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (TX)

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

The following Creditors and Debt Collector have violated my rights : ACCOUNTS : # ORIGINAL CRED : XXXX  XXXX XXXX  - # XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would like the these creditors to provide me with a 1099c due to the debt being a write off, if this information can not be provided these account need to be removed from my credit report. 

XXXX XXXX XXXX, I AM NOT LIABLE FOR THIS DEBT WITH XXXX XXXX XXXX, AND DO NOT HAVE A CONTRACT WITH THIS COMPANY. THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION LIKE I ASKED. 


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 2023-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (IA)

Hello CFPB and US Bank, i have over 12 fraudulent ATM transactions and i ; ve tried calling to file a FRAUD claim on these and every time i have, the reps on the phone have no idea how to do it or they keep thinking i want to file a dispute which isnt the case, these are fraudulent transactions totaling over {$1900.00}. 

They mailed me a new card which im still waiting on but im not sure if a fraud claim has been filed properly for these transactions so im filing a CFPB claim in hopes of getting my money back and getting a claim filed the correct way. 

My debit card was cloned and used without my authorization at the ATM, leaving my account empty. The ATM deposits are verified but all the withdrawals are not me The first atm withdrawal started on XXXX the last withdrawal was on XXXX Please help me recover my funds.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

XXXX XXXXXXXX XXXX reporting immediately remove or block XXXX XXXXXXXX XXXX reporting immediately on the credit reports all charges was done fraudently and illegally and XXXX  police report XXXX. They can cal XXXX for the financial fraud division.