davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (VA)

In XXXX, at the outbreak of XXXX, my wife worked at XXXX XXXX XXXX  in XXXX, XXXX. My wife was forced to take a paycut by the school, and while this was a financial hardship for us, we paid our bills and took on more debt. We were made aware of the Veterans Administration homeowner forbearance program, determined that we were eligible for it, and participated in the program. 

The amount under forbearance was assigned by the VA to BSI Financial Services. 

Working with BSI has been a nightmare. 

1. There was no explanation or warning that the amount would be assigned to a different company than our original mortgage broker, 2. BSI Financial just sent us a letter telling us that we owed them several XXXX dollars, with no introduction or context 3. When I expressed my concerns to them about the settlement BSI had with the CFPB and the issues outlined by the XXXX they were dismissive of my concerns, and told me to " not believe everything I heard on the internet. 
4. I am currently getting a HELOC loan, partly to ensure I do not have to deal with them anymore. They have refused to release my payoff statement.

This company is a nightmare, should not be in business, and definitely should not be contracted by the Veterans Administration to handle VA loans. We have suffered enough.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (PA)

My issue is with JP Morgan Chase Credit Card Services and Amazon.com On XX/XX/XXXX I clicked on an advertisement on amazon.com for their Prime Visa Card from Chase. The webpage said, " See if you're pre-qualified with no impact to your credit score ''. So I went through the prompts, specifically and only because it wasn't going to impact my credit score. 

This is the page : https : //www.amazon.comXXXX XXXX On XX/XX/XXXX I received multiple alerts from my credit monitoring services that let me know that JP Morgan Chase had taken a Hard Inquiry from XXXX XXXX XXXX. 
I spoke to the Credit Bureaus, and they told me they can't dispute Inquires. However, the inquiries did impact my credit score negatively. They recommended that I speak to JP Morgan Chase. 

I called JP Morgan at XXXX. They confirmed the action but couldn't help me that the advertisement said that. I was transferred multiple times, until being left on hold for 30 minutes before I disconnected the call, without resolution. 

Given that Neither JP Morgan nor the credit reporting agencies seem to be able to help me remove this erroneous hard inquiry, I'm reaching out to the CFBP for help to resolve this matter.
Consumer complaint received 2023-07-27
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: SECURITY FINANCE CORP (AK)

In accordance with the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 emphasizes the importance of consumer reporting agencies conducting their responsibilities fairly, impartially, and with respect for individuals ' privacy rights. XXXX and XXXX are recognized as consumer reporting agencies, while I, as a consumer, hold the right to safeguard my private information. This right is supported by section 6801 of 15 USC, which specifies that financial institutions have an ongoing obligation to uphold customer privacy and protect the security of their nonpublic personal information. The entity referred to as the Security Finance Corporation ' falls under the definition of a financial institution as per the mentioned title. 

Section 604 ( a ) ( 2 ) of 15 USC 1681 outlines that a consumer reporting agency can furnish a consumer report solely based on explicit written instructions from the relevant consumer. Neither Security Finance Corporation ' nor the consumer reporting agencies ( XXXX and XXXX ) possess my consent to share this information, and certainly not my written consent. Consequently, any consent previously given to XXXX, XXXX, or the Security Finance Corporation ' whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Section 6802 ( b ) ( c ) of 15 USC asserts that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed about their right to exercise the option of nondisclosure. Security Finance Corporation ' failed to inform me of this right. Furthermore, as stated in 15 USC 1681C ( a ) ( 5 ), a consumer reporting agency is prohibited from including certain adverse items of information in a consumer report, unless authorized under subsection ( b ) or if the information pertains to convictions of crimes that occurred more than seven years prior. The account being reported is an adverse item without my consent, which is a violation of the law. 

According to 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful to furnish inaccurate information about a consumer to any consumer reporting agency when there is knowledge or reasonable cause to believe inaccuracy exists. Also, 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to prevent violations of section 1681c and restrict the provision of consumer reports solely for the purposes listed under section 1681b. XXXX and XXXX are failing to uphold these reasonable procedures. 

Additionally, as per 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. As of XX/XX/2023 I am exercising my right to opt out of your reporting services. 

Attached below are images from my consumer report containing evidence of XXXX, XXXX, and Security Finances willful noncompliance. 

Thank you for your attention concerning this matter!
Consumer complaint received 2024-02-29
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)

IN 2019 MY PURSE INCLUDING MY PERSONAL INFORMATION WAS TAKEN FROM A EVENT. ON SITE AUTHORITIES WERE NOTIFIED. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I ALSO SEE SOMEONE ATTEMPTING TO ACCESS LINES OF CREDIT IN MY NAME, THERE ARE INQUIRIES FROM CREDITORS XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE NOT GIVEN ANY CONSENT FOR THESE. I CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING VERIFICATION AND HAVE YET TO RECEIVE A FORMAL RESPONSE MAKING THESE ACCOUNTS UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY, AND I HAVE NOT GIVEN ANY WRITTEN CONSENT WHICH IS IN VIOLATION OF XXXX XXXX XXXX ALSO FURNISHING ACCOUNTS TO MY PROFILE IN RESULT TO IDENTITY THEFT IS IN VIOLATION OF XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (IN)

My soon to be ex-wife took out several credit cards and loans out in my name before she left me a couple of months ago. She currenty has me in about {$30000.00} in debt and i have debt collectors trying to collect from me, and she has my credit score really low.
Consumer complaint received 2023-05-07
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. (HI)

In accordance with the fair credit reporting act convergent ( account 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 written instructions
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Total Card, Inc. (GA)

The company has reported to all 3 bureaus that the account was discharged in my CHXXXX bankruptcy which closed in XX/XX/2021. They are reporting late payments to my credit and sent me another collection letter on XX/XX/XXXX. Bankruptcy guidelines are very strict that once the debt has been discharged they are not to continue collecting. This company is committing fraud by pursuing this the way they are. I want Total Visa to quit contacting me in regard to this matter and remove themselves from my credit and stop reporting late payments.
Consumer complaint received 2023-05-07
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: EQUIFAX, INC. (IA)

The following hard inquiries currently listed on my Equifax, XXXX and XXXX XXXX credit report are all unauthorized and not my hard inquiries : 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 2023-05-30
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. (VA)

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 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (UT)

Credit Karma will come up with " fresh approval credit cards '' where they mislead you to thinking you have really good odds in a new credit card. But when I have applied I don't get accepted. This has happened several times which hurts my credit tremendously. It's very nerve-racking when they advertise that I should get accepted by many different credit cards then I don't but makes my credit score go down. 
Credit Karma is suppose to help you with your credit score and lead you to do what would help your credit score but instead they hurt your credit score and do the total opposite of what they claim. 
Now it is hard to get accepted for other things like credit cards or loans because of this.
Consumer complaint received 2023-05-30
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. (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 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 2023-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC (IN)

At the beginning of XXXX our mortgage payment with Arc Home LLC increased due to an increase in property taxes and homeowners insurance. We were not made aware of the increase, so we continued to pay the normal amount of our mortgage payment. When XXXX received our payment for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX since it wasn't the correct amount for the total mortgage payment they only applied it to the principal and issued our account late fees and stated that we did not pay our mortgage payments for those months. But again, we were never actually notified by this. We only found this out when my husband actually logged on to the website for an unknown reason and realized that they hadn't accepted our payments. We then made the updated payments and made extra payments and late fees. We thought we had completed this process until the XX/XX/XXXX. My husband called since the payment once again wasn't applied correctly and they were to reverse the late fees we had paid and put the extra money we had paid into a holding account to be put towards our XX/XX/XXXX payment. We went ahead to pay the XX/XX/XXXX payment to make sure it was correct, but again this money was only applied towards principal and done incorrectly. They are not doing what is asked and we are not going to keep calling each day. I don't want mine and my husbands credit ruined due to this issue and we shouldn't have to keep calling to get this straightened out. I feel like they are trying to take advantage of higher interest payments and have us pay interest.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/year>, I had an issue with Bank of America because they closed my account without reason and hold me money for 3 months. 

Last year I tried to open an account in a few banks an all of them declined my application. When I checked XXXX I noticed that Bank of America reported Account closed. Reason : suspected fraud activity and any amounts owed have been paid You can check in my last complaint that they closed my account after their ATM broke when I was making a deposit, they hold my money for months. Every time I called Bank of America they treated me like trash when I was calling to know about my money. 

I did not owe them anything. I made a dispute on XXXX they just changed it to " suspected fraud activity with no monetary loss ''. I demand the proof that they have to report that information. I need that false information delete from my report. 
I made a lot of complaints against Bank of America and if you can not help me with this, I will go to court. 

Bank of America affected my finances for almost 3 months, and they keep affecting me reporting false information. On top of that XXXX is allowing them to do that because I disputed the information, sent them proof of what happened and they did not help me.
Consumer complaint received 2023-05-30
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. (NC)

The Credit Reporting Agencies have not complies with the Fair Credit Reporting Act section 605b, and conrtinued reporting the fraudulent accounts and information on my Credit File without providing me any proof of documentation they found to claim such erroneous things. I am submitting this CFPB Complaint to remind the Credit Bureaus that under the Fair Credit Reporting Act, they are required to remove any accounts that resulted due to identity theft. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. Please see the list of accounts and information I need removed below : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus must report accurate and up-to-date information, and I believe that these accounts are in violation of that law.
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MN)

US Bank Im absolutely a Veteran. US Bank was charging me charges that were not supposed to occur on a military account. 
Then I had a contractor commit bank fraud on my account and they would not help me this happened between XXXX XXXX of 2022 Earlier in the year I had an unauthorized with being over charged by a hotel and they would not help me. 

Instead they continued to charge me overdraft charges, meanwhile they were overlooking BANK Fraud by construction contractors and others who I have reported. 

In 20 years I have never seen so much unethical practices and illegal activities in my entire career. 

So now US Bank shut my accounts down, the victim of bank fraud and they told me that I dont meet the requirements of being a military or veteran member.
Consumer complaint received 2023-05-06
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: EQUIFAX, INC. (GA)

This is my other attempt to inform CREDIT BUREAUS that I am a victim of identity theft and to file a complaint about specific records in my document as a result of their misbehavior. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, block the mention of any information in my credit report that resulted from alleged fraud. According to Section 605b of the FCRA, CREDIT BUREAUS is required by law to remove any ITEMS or information discovered to have been opened as a result of identity theft. 
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 2021-06-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WV)

I have reached 120 qualify payments and can apply for loan forgiveness however FedLoans is saying that three of my payments that were made which I have documented and bank statements proving were made on time and were qualifying payments have not been included in this is delaying my forgiveness process. I have asked for a manual review as far back as XX/XX/2020 was still no resolution to this issue.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (IL)

XXXX transferred their existing accounts to Westlake Portfolio Management without notification to customers. Westlake has been marking missed payments on my account that has a XXXX balance instead of closing it. This has caused my credit score to XXXX. The account has been paid off for 5 months and each month they mark me as a missed payment. When I call Westlake they can see its a XXXX balance but can not fix or disconnect me before they can rectify the situation. The customer service email provided also bounces back. I can not fix this, they will not help and this is ruining my score.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I just received a recent credit report and it states that the my account is pays account as agreed, paid or paying as agreed, or current account/was delinquent 60 days past due date. My account is current with XXXX and that should make my credit report back to being positive in not negative. Everyone is remarking with the above statements but not showing the same thing on the report. This is not giving me an accurate credit score.
Consumer complaint received 2023-05-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (NJ)

Ref # XXXX XXXX XXXX XXXX I used their app to transmit remittance on XX/XX/2023. On the app it showed that the amount of Rs XXXX PKR has been transferred into the recipients ( XXXX XXXX ) bank account. The tracking shows it the amount was received by the bank and the amount was further confirmed to be received in the recipient bank account. 

I talked to the recipient today who confirmed nothing was received on their end. Upon calling customer service today ( XX/XX/2023 ) at XXXX EST, I was first told I had used the wrong IBAN account number and that the XXXX XXXX is all caps letter and I input lower case letters which is a complete baloney and that is why it didn't go to the recipients bank account. I told them that their system auto corrected it to all caps and everyone knows that the XXXX code does not have any distinction between lower case and upper case letters and it is always upper case letters. 

I was told they will escalate it and get back in 3 days. I am looking at online reviews and BBB reviews that they hold on to customer 's money, don't transfer or return them and give everyone the run arounds for months. I needed to urgently send this money and I don't have it in my account now. 

They need to either make the money available in the recipient 's account ASAP or refund the entire amount back to me ASAP
Consumer complaint received 2023-02-27
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)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, 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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.