davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION (WA)

Simple was closed by BBVA. They transitioned over XX/XX/XXXX. Beginning that XXXX morning I have been unable to access my account or funds. My card is getting declined intermittently. Have tried calling multiple times with no luck getting help. I think I am up to like 20 or 30 times calling now. They claim there is technical issues with the call center but one time I called in and got someone. They could clearly hear me and I made no mention of Simple. I said I just needed help since my debit card would not work. They said they would be happy to help and then when I said it was tied to the Simple transition they said Oh and then it clicked dead. Looking online I am not isolated in my issues but this is getting insane.
Consumer complaint received 2021-05-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

XX/XX/2021 Called to inform them that I was refinancing and taxes were due by XX/XX/2021 and needed escrow to pay in order to refinance. 

XX/XX/2021 follow up and informed them that I couldn't wait and went ahead and paid taxes out of pocket and would need the escrow refunded. 

XX/XX/2021 refinanced and balance paid off. 

XX/XX/2021 received a letter informing me that escrow is being processed. 

XX/XX/2021 alleged day escrow was mailed out by mail XX/XX/2021 filed with XXXX to get assistance 20days after XX/XX/2021 Got a call that payment has been overnighted. Still no information
Consumer complaint received 2021-05-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

PMI Cancellation XX/XX/XXXX, I requested to get my PMI removed. 
XX/XX/XXXX received noticed from service provider via letter ( Shellpoint Mortgage Servicing ), that I need to pay for a BPO. Payment ( {$150.00} ) sent on XX/XX/XXXX. Their letter also stated on line 3, that I will receive notice regarding the outcome of my PMI removable request and long with a valuation results 30 days of obtaining the property evaluation. An agent did the property evaluation on XX/XX/XXXX. 
I have not received any communication from Shellpoint, with the exception of them responding with a standard letter replying to the email I sent them. Their letter basically said to call them with questions. 
XX/XX/XXXX, XXXX @ XXXX EST - I called. They confirmed that the PMI would be removed effective XX/XX/XXXX, I also requested the letter they promised me to be mailed. 
XX/XX/XXXX - XXXX 's statement showed no PMI removed. 
XX/XX/XXXX - Called again. 1st person stated I should get a response in 30 " BUSINESS '' DAYS, I never heard that before, their letter said " 30 days '', so I told them to escalate the call. The call was escalated to Tier 2 who told me my request to remove PMI was approved and I should see the changes on my statement. Again, I requested the letter promised to me, be mailed to me. 
XX/XX/XXXX - no changes to my statement and no letter regarding the valuations results. 
XX/XX/XXXX - email them again regarding what's the status XX/XX/XXXX - decided to put in a compliant. I feel 4 months of trying is unacceptable.
Consumer complaint received 2016-10-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

I get repeated calls from Conns on a daily basis after the XXXX of the month. I have told them that I have lost my job and though I am late, they are always paid during the month. They start at XXXX and call my home, my cell and will continue to call even when I tell them I cant pay today. It is constant and it is harassment. The calls are over XXXX calls on both phones daily. Sometimes back to back within XXXX minutes on both phones.
Consumer complaint received 2023-06-02
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. (NV)

This complaint is to inform you that the accounts listed below are reporting erroneously & is inaccurate. The banks are reporting this account inaccurately. They informed me they had an internal issue & posted me past due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please investigate these accounts & please update the accounts to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-10
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: EQUIFAX, INC. (PA)

Hello, My name is XXXX XXXX. I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.
Consumer complaint received 2021-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (CA)

I have been a victim of identity theft and numerous utility accounts have been opened and charged up and unpaid in Texas. I have been able to clear some of these thus far and have placed a freeze on my credit. I have never lived in Texas ( have resided in XXXX since birth ) and have not given my permission to anyone to use my information. My former name is being used as well as my birthdate and social security number. XXXX XXXX XXXX XXXX {$660.00} ( reported as XXXX filed dispute ), XX/XX/2021 -- XXXX XXXX : {$420.00} ( reported as XXXX filed dispute ). I was made aware of both of these fraudulent accounts via debt collectors.
Consumer complaint received 2022-11-02
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. (NE)

I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the account corrected as soon as possible : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-11
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. (TX)

MY NAME IS XXXX XXXX, I HAVE SUBMITTED OVER 5 DISPUTE LETTERS TO EQUIFAX, XXXX, AND XXXX THEY ARE CLAIMING THAT MY DISPUTES ARENT GOOD ENOUGH FOR THEM, CAUSING ME SEVERE PAIN IN LIFE, I CAN NOT LIVE THE LIFE I WANT WITH THESE FRAUDULENT ACCOUNTS ON MY CREDIT, I AM HOPING THE CFPB CAN ENFORCE SECTION 605B OF THE FCRA. I HAVE SUBMITTED ALL DOCUMENTS REQUIRED FOR THE DISPUTE TO BE TAKEN SERIOUSLY ... ..ID, SSN, FTC REPORT XXXX STATEMENT OF ID THEFT. I WANT THIS RESOLVED. I HAVE CONNECTIONS AND POPULAR TV OUTLETS AND LARGE AUDIENCES WHERE I WILL SLANDER THE NAMES OF EQUIFAX, XXXX AND XXXX, ALONG WITH GETTING A LEGAL TEAM TO SUE!
Consumer complaint received 2021-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (AZ)

We lost income due to the coronavirus pandemic and were forced to enter a forbearance program. When we were able to start making payments again, our previous servicer sold our mortgage to Flagstar Mortgage. From the beginning, it was a nightmare of an experience. Each person I talked to was rude and even laughed at me while I was discussing my situation on XXXX XXXX, 2021. I was never adequately informed of the process coming out of forbearance. My goal was to refinance due to the low-interest rates back in XXXX of 2021. Although, I quickly found out I was not able to refinance until I ended my forbearance. So I called multiple times just to be told to wait. They were not able to finish my forbearance even after I told them I was sending my payments. Eventually, they went to the lengths of blocking my payments for no apparent reason and then sending me bills for over {$20000.00}. During this time, I received collection calls telling me I was writing " bad checks ''. These accusations were not the case and caused me unbearable mental anguish of being accused of writing bad checks. I had the money to make payments, but they continued to block my payments. They would then call and ask me to make a DOUBLE payment which put us into an even more difficult situation while we had to wait over two weeks to get our first payment back. When I would ask questions on why they weren't accepting our checks, they could not give me an answer. I feel as though they were taking advantage of our situation. This entire process took over six months and is still not resolved. My family lost time and money because of the failure of this company to adhere to even the most basic principles of a financial servicer. I have endured XXXX for the last six months of not knowing if they were going to foreclose on my house, I have lost the opportunity to refinance at a rate lower than 2.9 %, I have lost the time talking to dozens of representatives who acted like I was unworthy of their time.
Consumer complaint received 2017-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I applied XXXX XXXX card on XX/XX/XXXX. According to the offer, I should get XXXX bonus starpoints after I spent XXXX in 6 months. On XX/XX/XXXX, I confirmed with XXXX that I have met the spending requirement for getting the XXXX bonus starpoints. However, XXXX only gave me XXXX bonus starpoints.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : XXXX
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Please update all of my personal information on XXXX, XXXX  and Experian.There are forms of my name and addresses that should not appear on my credit report. 

My only name is XXXX XXXX. 
My only address is XXXX XXXX XXXX. XXXX XXXX, OH XXXX.
Consumer complaint received 2022-11-02
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. (NE)

I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. I need the accounts corrected as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: D&A Services, LLC (KY)

D & A Services, XXXX XXXX, Illinois sent us a collection notice for {$3500.00}. I tried telling her we paid this in a credit consolidation in 2017. She continued to insist we owed it so I made the mistake of giving in to her because we do not want to be sued. She insisted that I provide her with my bank account routing number, account number and said she was post dating the check for an amount of {$1500.00}. 

I am stopping payment on this check tomorrow and hopefully its not already been processed, but this was illegal for her to request this information per the laws Ive been reading up on. 

We have paid this years ago, I have XXXX and XXXX and have trouble trying to remember the name of the agency we went through. I am XXXX and so is my husband and we are on a very limited income and can not afford to pay this twice. 

Would you please help us get this matter reserved? 

Our number is XXXX. The D & A # for them is XXXX and reference # XXXX. 

Thank you. 
XXXX and XXXX XXXX
Consumer complaint received 2022-11-02
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: EQUIFAX, INC. (NY)

I keep getting hard inquiries on my credit report for the past year. Last time I looked there was something like 30 of them on all three credit reporting agencies and they tell me you can not dispute it. They are not mine and I would like them all removed immediately.
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

I put a down payment on my Chase Visa at the end of XXXX for a garage we are having built. It did not appear on my statement until XXXX when we were going to pay that full amount. The XXXX statement had a {$82.00} charge referred to as a purchase charge. In my communication with Chase Visa they state since the charge came to them n XX/XX/XXXX they can do that. It said nowhere on the statement that this had to be payed by a certain date to avoid any charge. They since I had a balance of {$120.00} they can charge me interest on the amount of {$8600.00} even thought it was not on the XXXX bill when we payed it.
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I was charged the late fee and the interest in XXXX by Bank of America, I tried to call them to waive that for my first-time violation, but they refused. I feel very sorry and innocent for that, because I had a very good record before. 

I think that The Bank of America also had responsibility for that because I used to receive the bank statement in the mail before, so I could read and remind myself to return, but I haven't received that mails for some times, I am not sure if BOA switched from a paper statement to electronic statement in order to save the cost. 

Normally, the bank will give people at least one chance to recovery, this is my first time of late, I don't know why they refuse to waive the charge. 

Please help me to communicate with the bank to compensate for the loss. 

Thank you
Consumer complaint received 2021-05-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UMPQUA HOLDINGS CORPORATION (OR)

i live in a home which my XXXX and i inherited from my parents via a living trust, years ago my parent took out a home equity loan which i have been paying through a checking account that my sister opened ( loan payment automatically deducted ) recently my sister passed away, the funds in the checking account will be reconciled between my brother in law and myself, however when i approached umqua bank of XXXX, Oregon to apply for a review to be named " successor in interest '' as allowed by the garn-st Germain act and CFPB amendments to RESPA and TILA the manager/loan officer told she could not talk to me without court order, when i attempted to provide her documentation about the federal laws mentioned previously she pushed the documentation back across her desk and refused to view them, when if she could call someone with more experience in the matter, she said she would not, i am concerned that the loan payments are not being paid due the checking be frozen upon my sisters death, i do not want my house to go into foreclosure, i have submitted complaints with umqua bank, XXXX and the XXXX. Thank you for your consideration, the events above happened XXXX XXXX
Consumer complaint received 2023-03-14
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. (AL)

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  Bankruptcy : XXXX, XXXX  XXXX Bankruptcy : 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 2021-05-10
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: EQUIFAX, INC. (GA)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.