davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UMPQUA HOLDINGS CORPORATION (CA)

I am trying to qualify for a loan to build ( and get a with a take out mortgage too ) my residence on a small XXXX I own. I have been told that by federal banking laws, I can not use any of the net income on the XXXX to qualify for the loan. I do not understand why this should be true. Is it?

Without the house, there is {$7000.00} of property taxes on the land, mostly attributed to the value of the XXXX. The bank says all of the property tax obligation under federal banking laws must be included in my residential tax obligation, even though it is fully paid by the XXXX income, which I can not include in my income. I think only the additional property tax associated with the new residence should be included.

I asked my XXXX credit association. They can only lend me money for my XXXX activity, which they do. They can not lend for the residence because most of my income is from non XXXX activities.

I had three loan brokers tell me they can not lend based on the XXXX income and that I had to include the full property taxes in my annual expenses and could not any off set for the XXXX   income.

This does not seem just. Can you please look into it. Thanks.
Consumer complaint received 2023-05-10
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)

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 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 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 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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TX)

Discovery closed my account credit card for an unknown issue. It seems that an XXXX dlar amount that I didnt do was due. I was failed to contact until i answered a phone call from a recurring an unknown number which was the bank. Previously I had payed all credit card debt and I payed the remaining balance.
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I've been trying hard to avoid liquidation as they are holding a significant amount of money. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX and Experian have been reporting two collection accounts who have violated the Fair Debt Collection Practices Act. XXXX XXXX XXXX did not provide me with notice of debt and allow me to dispute their claim and when I did become aware of the collection accounts I requested validation letters with proof of ownership required under Fair Debt Collection Practices Act but the information was never provided. I have requested that both bureaus remove these accounts and have even requested the verification in a complaints filed here at CFPB but nothing has been provided and the accounts remain open my report as of the date of this complaint.
Consumer complaint received 2023-11-03
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. (TN)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2023-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I closed on my house on XX/XX/XXXX. On XX/XX/XXXX I received from XXXX XXXX ( the mortgage company ) a new payment letter, closing disclosure, escrow statement and note and closing documents, because of errors, asking me to re-sign and send back. The documents had the same closing date of XX/XX/XXXX. I completed the forms according to their instructions and sent them back to Guaranteed Rate. Then, my mortgage was transferred. On a letter dated XX/XX/XXXX I received notice from Lakeview Loan Servicing , LLC that they purchased my mortgage and it would go into effect on XX/XX/XXXX. On XX/XX/XXXX, I called XXXX, spoke to XXXX at XXXX about the difference in the payment coupon total I received when compared to what my rate should be. Lakeview was going to overcharge me. My payments should have a XXXX XXXX interest rate. She told me to send proof and they would look into it. They received the information, but never returned my calls and didn't respond to the mailed proof. On XX/XX/XXXX I called again and spoke to XXXX at Lakeview at XXXX XXXX and was sent to customer escalation and spoke to XXXX at XXXXXXXX XXXX on XX/XX/XXXX. I also re-mailed the proof documents.I was assigned to XXXX to research the problem. Since then, my mortgage has now increased again and is now {$1800.00} a month when my payments should be {$1400.00}. When I called on XX/XX/XXXX I spoke to XXXX at XXXX and she said that XXXX is my escalation rep and there is no update to give me. No one has any information. They have a note in the system that I want to have my payments corrected and that in 5 business days I will get another phone call with the update. As of today, XX/XX/XXXX I do not have a solution or corrections made on my account and there is no update.
Consumer complaint received 2023-05-10
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: CL Holdings LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX, has a violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have rights to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states that I have a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-04-24
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. (NY)

In accordance with the Fair Credit Reporting Act, these accounts and inquiries below have violated my federally protected consumer right 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 XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX - Inquired on XX/XX/XXXX - Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX These accounts and inquiries have violated the consumer 's right to privacy.

15 USC 1681 sec. 602 A states the consumer has the right to privacy. 15 USC 1681 sec. 604 A sec 2 states that a consumer reporting agency can not furnish an account without the consumer 's written instructions. 15 USC 1681c. ( a ) states that : no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) 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: 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. (CA)

I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-03
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. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2018-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (CA)

On XX/XX/2017 someone cashed a fraudulent check from my account for {$5500.00}. On XX/XX/2017 I saw the transaction on my account and immediately contacted my bank and filed a fraudulent charge claim. In the last year I have filed two police reports and made multiple attempts to get my money bank but U.S. Bank has refused to return my money. They told me that it's my fault the check got stolen, and that I shouldn't carry checks on me or keep checks stored in my home. Then they told me the only way they'd return the money is if I pressed charges against the person who cashed the check, even though I have no idea who cashed the check. U.S. Bank also refuses to give me details about where the check was cashed.
Consumer complaint received 2018-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (FL)

XXXX student loans They still have acount of all Three credit reporting companies Acount students loans XXXX student loan Or XXXX XXXX XXXX Or loans have been pay off
Consumer complaint received 2018-09-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc. (FL)

I received a letter from XXXX XXXX stating that I owe the collector {$560.00} Acct # XXXX she enclosed the statement with account # XXXX which clearly states that the balance is {$0.00} This account collection is in violation of HIPAA Act of 1996
Consumer complaint received 2023-11-03
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. (FL)

Despite the multiple previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-05-10
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: WELLS FARGO & COMPANY (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX XXXX You are in Direct violation of The Fair Credit Reporting Act XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A clearly states that I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (TX)

I am writing to file a complaint regarding a debt on my credit report that has not been properly addressed by the credit bureau. 

Despite my requests for deletion and validation, the credit bureau has failed to respond within the required timeframe. 

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. 
Here is my tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It's been more than 30 days and the credit bureaus failed to send my investigation back. 

However, the credit bureau failed to respond within the required timeframe of 30 days. Despite multiple attempts to follow up with the bureau, I have not received any response to my request. 

I believe that the credit bureau has violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and respond to my dispute. I request that the debt be removed from my credit report immediately. 


According to the law 15 U.S. Code 1681 ; - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-05-10
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: Aldous & Associates, PLLC (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX XXXX You are in Direct violation of The Fair Credit Reporting Act XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A clearly states that I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2018-10-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Ad Astra Recovery Services Inc (CA)

I started receiving calls from Ad Astra on XX/XX/2018. My cell phone logged 17 calls and 3 letters. I spoke to them and wrote to them explaining I am on XXXX which makes my income exempt from collections. The company that sold them the debt knew that and they should go after them for selling them an uncollectible debt. They then placed it on my credit report in XXXX and so far haven't removed it after I asked them to. I have no assets that they can seize so they are wasting their time.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: NEW YORK COMMUNITY BANCORP INC (CA)

All charges on card were not mine filed a dispute they said it takes 45 days its been way past that I try to get a hold of them and every time I do it says their system is having an issue or theyre experiencing a wide volume of calls and so I want to know why the money is not credited back to my account yet and I want it credited back ASAP
Consumer complaint received 2023-09-05
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. (CA)

My credit report is showing late payments to XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (MD)

I was approved for US Bank Reserve Altitude credit card in XX/XX/XXXX. In XX/XX/XXXX, I applied annual fee waiver based on Military Lending Act and SCRA. I never received a proper response to my application and life was busy, so I did not follow up. In XX/XX/XXXX, I followed up with them on my annual fee waiver request along with a letter verifying my XXXX XXXX status during the time I applied for the credit card. Then, I received a letter stating because my credit card has been opened for more than 60 days, I am not eligible for annual fee waiver via MLA/SCRA. However, I did apply for the annual fee waiver a month after my account was opened but never received a proper response. Furthermore, I question if it is legal for US Bank to deny my MLA/SCRA benefit due to applying for this benefit outside of the window of within 60 days of account opening.
Consumer complaint received 2018-09-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. ()

What happened? 
Dear Sir /Madam My name is XXXX XXXX XXXX XXXX based in  XXXX , XXXX Citizen, Father of XXXX XXXX ( XXXX ), who was a XXXX at XXXX University , XXXX , ( year XX/XX/XXXXto XX/XX/XXXX ). I am a XXXX XXXX ( now retired ) worked for XXXX .XXXX for forty years. Salle Mae gave XXXX a loan of {$210000.00} in the year XXXX and of which {$200000.00} has been already paid off without any break for the last 9 years. But Navient which took over from Salle Mae is still demanding XXXX more ( presumably interest- simple mathematics ) which is too much to pay after settling the capital almost. Secondly our guarantor Mr. XXXX XXXX, US citizen based in XXXX, should be released from his role as a co-signer, otherwise, his daughter will not get a student loan to go to university this XXXX and her future carrier will be in jeopardy. As per Salle Mae, if a client has made 12 payments uninterrupted, we could request the co-signer to be removed from the contract. We made multiples of 12 uninterrupted payments over the last 9 years. Since we took the loan in XXXX now the whole family financial situation has completely changed. Though XXXX qualified from XXXX in XXXX she could not find a suitable job in the USA to pay off her student loan. She was very disappointed and came back to the XXXX and could not get a job in the XXXX either. Last XXXX She got married in XXXX and settled there. She has found a suitable job in XXXX but the salary will not be enough to pay off the student loan and also consider the exchange rate.in XXXX Rupees As for me I am retired from my job as a XXXX in XXXX on XX/XX/XXXX and is a pensioner and I am still paying her loan with great difficulty. I feel now that since I retired my income has gone down considerably land I am solely depending on my pension only. Besides my wife is very ill with XXXX and on XXXX and I look after her 24/7 alone. I want the monthly payment amount reduced considerably.