davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (NY)

I am sumiting this complaint on my mother morgage with Banco Popular de Puerto Rico ( BPPR ), she pass away on  XX/XX/XXXX  i am the sole surviving son and executor of her last will and testament my residence is in NYC USA payments where miss and on a visit to PR for house maintanance discover Court papers to procede with sentence on the auction of the property, got in contact with the Lawyers that submitted the testament for advice and hire them for representation in PR, and temporarily has stopped the process.Since that time numerous attemps to reach an agreement or accomodation has not been offer or not even answer, from the begining i have stated that im willing to continue payments on the morgage my bank (   XXXX   ) send two checks {$2000.00}, {$220.00} to cover until  XX/XX/XXXX they proceeded to refund those checks on behalf on my deceased Mother to the address of the residence which is uninhabited by regular mail, in my view completely inproper and close to " mail fraud '', i don`t earn enough and have no collateral, meanwhile the days keep passing, lawyers continue billining and ( BPPR ) continues sending account statements but don`t allow to update the account
Consumer complaint received 2018-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I was charged a fee in error by Citibank after my balance was paid in with a verified online transfer from my checking account for {$590.00} on XX/XX/2018. During that call and when the online payment was made and verified, an agreement was made with the Citibank agent that my account would be closed with no further action required on my part. On XX/XX/XXXX my account that was since closed was charged a late fee of {$34.00}. Since then the account has accumulated additional late fees and interest to almost {$300.00}. I would expect that during the transaction made on XX/XX/XXXX that they would have a recording of that phone call. I believe they have charged off the balance but they have not addressed the negative reporting to all of the credit reporting agencies.
Consumer complaint received 2017-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (TX)

I have accumulate points which I wanted to redeem ; the amount was the equivalent of {$100.00} (   XXXX   XXXX   dollars ) towards deposit to one of my accounts or an equivalent of {$50.00} towards a restaurant or gift card from   XXXX  . I was promised it would take less than a week. The first telephone contact was on or about   XXXX   XXXX  , 2017 ; I was told to call on   XXXX   XXXX   to confirm ; I called, I was told to call back on   XXXX   XXXX  , 2017. I have been calling, I am being promised but NOTHING IS HAPPENING, I BELIEVE I AM BEING LIED TO.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (IL)

Navy Federal Credit Union are in violation of sections 1053 and 1055 of the Consumer Financial Protection Act, 12 U.S.C. 5563 and 5565 and section 1036 ( a ) ( 1 ) ( B ) of the Consumer Financial Protection Act and 12 U.S.C. 5536 ( a ) ( B ) that prohibits unfair, deceptive or abusive acts or practices. According to FILE NUMBER XXXX ( with the CFPB ) under sections 1053 1055 of the CFPA. 12 U.S.C. 5531 and 5536, Navy Federal was ordered to cease and desist from engaging in any unfair act or practice involving restricting a consumers electronic account access when the consumer is delinquent or overdrawn on any navy federal credit union account. 

Navy Federal Credit Union has continually violated my consumer rights per the Consumer Financial Protection Act. Navy Federal Credit Union has unfairly restricted my electronic access, blocking my debit card usage and online account functions. This restriction is a direct result of having missed payments on my business credit card and personal credit card according to the Navy Federal Credit Union. 

Navy Federal Credit Union transferred those funds electronically towards my Business Credit Card. The amount transferred was {$300.00} dollars to cover an unpaid balance of roughly {$700.00} dollars on a closed business credit card account. Navy Federal Credit Unions actions caused my personal checking account to go negative in the sum of {$58.00}. When I called to speak with multiple Navy Federal representatives, they said they would not reverse the transfer and I will be responsible for the overdraft and all fees associated with the overdraft daily.
Consumer complaint received 2024-03-06
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (AL)

I filed a complaint against national credit systems and XXXX XXXX XXXX, on XX/XX/2023. File # XXXX. 

NCS response was that they are a third-party collection agency that now takes full ownership of this debt, and sent an 189 page attachment of a leasing contract. 

This debit is for an eviction. XXXX XXXX XXXX illegally evicted me from my unit. There is no eviction letter, and no eviction filed against me in the magistrate court of XXXX XXXX. 

I am requesting the eviction letter that validates this debt. If the documents can not be provided. I am requesting immediate deletion of this debt.
Consumer complaint received 2024-03-06
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed in document
Consumer complaint received 2023-05-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I would like to see them return my money and and pay off my car for asking for a down payment of XXXX and pressuring me to buy an extended warranty for XXXX. So a car that started off at XXXX ends up costing XXXX Which the car isnt even worth that much. 
As a woman I felt like I was being taken advantage of.
Consumer complaint received 2023-03-14
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Concerned, On or about XX/XX/XXXX I received a letter with a check from Bank of America, explaining I had been overcharged one or more fees & interest by mistake. They apologized & were sending me a refund in the amount of {$980.00}. I received the check, which was in the business name, that was closed in XXXX. I took the check to Band of America, who wouldn't cash the check for the fact that the business was closed. I couldn't cash it at my present bank for it wasn't in my name! I phoned Bank of America XX/XX/XXXX, they needed me to fill out a form to change the business name, XXXX XXXX on the check to my name, XXXX XXXX XXXX. I haven't received this form yet! I've phoned twice! The date of my last phone call was XX/XX/XXXX, they continue to tell me the form is on the way! I don't understand why it has to take two months to change the name on the form. How long will it take to receive the amended check! 

Thank you XXXX XXXX XXXX
Consumer complaint received 2023-06-03
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. (AZ)

I called both creditors directly and they told me they would Not remove the inquiries from my credit report. 

XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2023-06-03
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. (WA)

Experian refuses to conduct a reasonable investigation into numerous disputes I have submitted. They continue to verify clearly inaccurate and or incomplete accounts on my consumer report. This has caused me severe emotional distress, financial opportunity loss, and damage to my credit reputation. I have taken legal action against Experian, SEE Attachments as they continue to ignore my issues.
Consumer complaint received 2024-11-19
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. (TN)

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. ( XXXX XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX  ) ( XXXX XXXX XXXX )
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of personal line of credit, loans and more, these accounts are XXXX XXXX XXXX Account XXXX Opened XX/XX/XXXX, XXXX XXXX XXXX Account XXXX Opened XX/XX/XXXX, XXXX XXXX XXXX Account XXXX Opened XX/XX/XXXX, XXXX XXXX XXXX Account XXXX Opened XX/XX/XXXX, and XXXX XXXX XXXX Account XXXX Opened XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-06-03
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. (NY)

I have disputed a XXXX XXXX account with the account # ending in XXXX via certified mail to Experian and XXXX several times. Each time, both credit bureaus have claimed that the information was investigated and verified as accurate. However, I have attached copies of my most recent credit reports from Experian and XXXX showing the same XXXX XXXX account with different payment history information on each bureau. This blatantly proves what I have said all along which is that Experian and XXXX have not acted in good faith in the past in regard to this account and continue to report inaccurate information on my credit file which implicates several violations under the FCRA. 

In accordance with the Fair Credit Reporting act, Experian and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 

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. 
Also, they aren't even in compliance with Metro 2 credit reporting. I have attached evidence to prove my claims.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (TN)

In accordance with this fair credit reporting act XXXX XXXX # XXXX has violated my rights. 

15 US C 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states, a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-19
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. (SC)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2018-10-11
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (IL)

I bought a building in XXXX of XX/XX/2018 and the people that were hired to help with the purchase completely took advantage of me being a first time buyer. These people ( Agent, Bank, POA representative, and the Appraiser ) are all involved. I believe that my loan is preparatory because of the following : 1 ) .Property sold for too much.

2 ) .Previous owner told me things were fixed but weren't.

3 ) .In the Last six months not one property has been sold for the amount that i paid for my property.

4 ) .I was sold this building without any regards for my financial obligations.

I would like help getting my money back and getting completely out of the deal so this property doesn't put me in a financial hardship that i am on my way to being!
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

Upon opening a regions checking account XX/XX/2023 at least once or twice a month ( when I deposit a check weekly ) is held for a minimum of 4 days. They never give me a specific reason why nor are they able to release the hold. The letter they say gets sent each time with more detailed information says the exact same thing the email says and the exact same thing the customer service representative can tell me. Just general information that doesnt apply to anyone specifically. Initially I was told it was due to the age of my account and that once I got to 6 months it would stop happening. It has not stopped. My account is never in the negative, none of the PAYCHECKS have ever been denied due to lack of funds. There is genuinely no reason for it. The checks are never over {$1000.00} so its not even like theyre big number checks. They average $ XXXX. Ive spoken to a few friends who have had the same issue and have resorted to cashing the checks and then depositing the funds for use. I shouldnt have to do that. I have XXXX XXXX  children and limited time to be doing things like this. And regular expenses like most people that are constantly affected by these held checks. Whats the point of having the ability to deposit a check if I then have to wait a minimum 4-11 days to actually access my money. No one can give me a reason why. The checks are from another regions account so that shouldnt even be a factor. I dont understand and Im tired of it happening.
Consumer complaint received 2024-03-06
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. (TX)

I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 
Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions.

( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another These account are inaccurate under 15 U.S.C. 1692g validation of debt. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. Below I have attached the definition of the law as this is my right. Please have this inaccurate account removed from my credit as it is damaging my personal life or pay the {$1000.00} fine for breaking this law.
Consumer complaint received 2022-11-30
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. 

Account name : Attorney XXXX XXXX ( Child Support Division ) # XXXX ( XXXX ), Account name : Chapter XXXX Bankruptcy : Bankruptcy # 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 XXXX 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.