davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I applied for a mortgage loan assistance. I turned in all the documents and still haven't a problem. Every time they ask for something i get it within XXXX hours. They fail to print all the documents out and give it to the underwriter. I submitted the documents on XXXX. I was told they have the gas bill and the letter stating that I am not receiving unemployment benefits. I sent XXXX loss and profits statements in the same email and my file was turned over to the attorney to put foreclosure fees on my account. I am a XXXX worker in my state and I am XXXX. I am not being help because of my XXXX and XXXX.
Consumer complaint received 2022-11-24
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: EQUIFAX, INC. (MI)

I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (AR)

I have been a customer of American Express bluebird for over 9 yrs and today XXXX XXXX i made a transfer into the account and American Express locked my card permanently without any explanation except i would receive an email when i called to see why card was locked. No email never came. I currently have XXXX and sum change on this card. I just want to get my money back at this point
Consumer complaint received 2022-11-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have already filed an complaint against them & nothing has been resolved. Also Bank of America told me that they have no funds to obtain back to me. Which I sent them proof of me being scammed with the police report and claim. How ever I still have yet to receive my funds. 


XXXX XXXX XXXXXXXX
Consumer complaint received 2017-05-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: URS Holding, LLC (NC)

I have receiv ed two differ ent letters from  XXXX  different debt collection companies for the same debt originating from  XXXX   XXXX   XXXX . I receiv ed one lette r from  XXXX   XXXX    XXXX   on  XXXX / XXXX /   2017  and I also received another letter from from Alltran Financial , LP on  XXXX / XXXX / 2017 . the amount on both account is  XXXX  which it is not accurate at all. I dont know which one actually owns the account.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (IL)

Us bank refuses to uphold protest to fraud charge on my credit card. 
Us bank says the seller provided proof of my name address email and usps delivery All these things the scammer has so this is no proof. 
Seller supposedly sent XXXX XXXX to XXXX XXXX ( never got anything ) and package to house ( never got anything ).
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I made a payment to Capital One on XX/XX/XXXX via a cashier 's check for {$4100.00}. The check was sent through XXXX with tracking # XXXX delivered on XX/XX/XXXX signed for by XXXX XXXX at Payment Processing Capital One XXXX XXXX XXXX XXXX NC XXXX. The cashier 's check cleared XXXX XXXX XXXX on XX/XX/XXXX. The payment was never posted to my account. I started an investigation with capital on XX/XX/XXXX Case number XXXX. On XX/XX/XXXX, a letter stating that proof of check was needed. I faxed over copies of the check, letter, XXXX slip and proof of delivery. On XX/XX/XXXX received another letter from capital one stating that was not enough information/proof. On XX/XX/XXXX faxed over proof of the cleared cashier 's check. On XX/XX/XXXX received a letter from capital one stating that We received your request concerning your payment for {$4100.00}, processed on XX/XX/XXXX. Your account was not credited because the funds were sent to an invalid account and returned to the originating bank account. I have not received the money back to my original account. I have contacted capital one several time and they do not have an answer as to where my {$4100.00} is at. One of the last phone calls we had both financial institutions on the line and capital one told XXXX XXXXXXXX XXXX that they returned the original check back to them, which would not work due to check was already cleared. Then the next person for capital one said that she needed to start a new case to find out where the money is at. This payment was not made to any type of loan that has a lien attached to the account. It was made to a credit card payment. I have requested a check number and tracking number from capital one. Capital one would not provide this information to me. I also, requested that they do a stop payment on the check and deposit the funds into my checking account with capital one. They would not accommodate this request. They then informed me that the funds were being sent back electronically, I advised them with XXXX XXXX XXXX on the line, that they can not return electronically due to the check was a cashiers check.
Consumer complaint received 2022-11-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC. (TX)

Santander Consumer, USA is reporting inaccurate information on my consumer report and is engaging in XXXX XXXX. There is no evidence of a debt, only an extension of credit that I am being extorted to REPAY. Santander agreed to comply with my cease and desist but has continued to speak to me indirectly on my consumer reports. The provision of the FDCPA is in contradiction to this debt collectors actions. 

I went to XXXX XXXX XXXX XXXX XXXX to extend credit for personal use through my open-end credit plan. XXXX charged a discount which is a finance charge of {$16000.00} according to the Truth in Lending Act. XXXX received nominal consideration for the closed-end credit transaction. I received no benefit from the authorization I provided to XXXX on my application for credit. XXXX assigned security interest and my non-public personal information to a non-affiliated third party named Santander Consumer, USA. I was not presented with my rights under the XXXX to opt-out of the sharing of my non-public personal info. Both financial institutions conspired to extort me into repaying an extension credit. That is contrary to public policy. My reputation has been harmed with the 3 credit bureaus and its harming my ability to operate in commerce. My vehicle was stolen from a XXXX parking lot during my XXXX XXXX Exam at about XXXX on XX/XX/22, two days before XXXX. My cell phone was still in the car so I tracked it to XXXX XXXX XXXX XXXX XXXX in XXXX, TX. I am being punished for non repayment of an extension of credit and extortion is racketeering activity. XXXX willfully advanced property as a loan, by unilateral agreement with no mutual assent, and knew their purpose was to make an extortionate extension of credit. See 18 USC 891-894.
Consumer complaint received 2015-04-30
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have been trying to obtain a modification of my current mortgage for 4 years. Please see # XXXX. Bank of America recently responded with letter that has inaccurate information. This has been their pattern for 4 years. I am under the impression the Making Home Affordable program can help me reduce my payment to 31 % ( or less ) of my gross income. My payment ( principal + interest + tax + insurance ) is currently {$2000.00}. I have asked many times for a MODIFICATION to a fixed rate loan. I am currently on an adjustable rate loan. In Bank of America 's recent communication copied to CFPB, the letter states I requesed a REFINANCE. That is not true. Had Bank of America modified my loan 4 years ago, my payment would have been reduced approximately {$400.00} per month, but they have drug this out as my income has slowly increased and reducing my payment now would only result in a reduction of a few dollars - my ask is that this be done and that I be on a fixed rate loan, not an adjustable rate loan that can increase beyond my ability to pay. I have not asked for my principal to be reduced, only that my loan be modified to a fixed rate with a payment less than 31 % of my income. Delays in inaccurate calculations over the last 4 years do not seem reasonable or legal to me. I am current on my payments but fear the next increase will push the payment beyond my means.
Consumer complaint received 2023-05-13
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: EQUIFAX, INC. (OH)

I recently disputed the XXXX XXXX collection thats on my credit report this inaccurate detail have adversely affected my credit worthiness and hampered my chances of acquiring new credit. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following items in my credit report be re-verified and removed : XXXX  XXXX
Consumer complaint received 2023-01-25
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. (OH)

Im an active Credit Report checker. I check all 3 credit bureau at least 4 out of 7 days. I missed there being inquires I didnt recognize on XXXX XXXX XXXX Equifax XXXX They both report the same names for the accounts on both bureaus! 

XXXX - XXXX. XXXX XXXX, XX/XX/2022 XXXX XXXX, XX/XX/2022 Equifax - XXXX. XXXX XXXX, XX/XX/2022 XXXX XXXX, XX/XX/2022 XXXX, XX/XX/2022 2022
Consumer complaint received 2023-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (VA)

Hello! 
I checked my credit yesterday and noticed that an address where I have not lived before popped up on my credit. Then today, I noticed that my credit dropped XXXX points. I saw it was from National Credit Systems. I sent two emails describing that I am a victim of Identity Theft due to my mother taking out credit cards and now rent, in my name. I have yet to get a reply from them. I have been calling and no one is answering. ( The number on the site. ) On my credit it said it originated in XXXX, but it is just now popping up on my credit. My mother passed in XXXX, and I am still dealing with the consequences of her taking stuff in my name. I already have the identity theft report on my credit. I am XXXX XXXX military and I have been XXXX XXXX since XXXX. I just came back to the states less than XXXX XXXX  ago. Attached is the report as well as my orders stating I do not live there.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (OH)

This Concerns an account on my credit report form XXXX XXXX XXXX. 
The account is showing a outstanding balance of {$210.00}. This is not correct. The balance on this account is {$0.00}. I have contacted the company and they have done nothing to resolve this situation. I am filing this complaint in hopes that you can resolve this issue '
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-24
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: EQUIFAX, INC. (MI)

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 1681XXXX 
Account Name : XXXX XXXX XXXX. Account Number : XXXX Account Name : XXXX  XXXX  XXXX XXXX. Account Number XXXX Account Name : XXXX XXXX. Account XXXX XXXX Account Name : XXXX  XXXX XXXX XXXX. Account Number XXXX Account Name : XXXX XXXX XXXX. Account XXXX : XXXX. Has violated my rights.

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

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-24
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days. 

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 XXXX XXXX
Consumer complaint received 2023-05-13
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. (LA)

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the XXXX XXXX XXXX XXXX XXXX. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.
Consumer complaint received 2017-05-16
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: COAST PROFESSIONAL INC (CO)

Sent in documents they asked for. Was setting up a payment plan. Then got a letter from my employer that they are garnishing my check. After they already took my taxes. Had gave my bank information for payment plan . 2 pay ments were already taking out : called had everything set up. Then my check was garnished. Called again to see what was going on. And just kept getting transferred or hungup on. Told me I need to fax thema letter say i give them permission to call me. Then I need to fax them a paper saying I give them permission to fax me. Keeps me on hold for longer the n 45min.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The accounts in question are as follows : XXXX XXXX XXXX Balance : {$6900.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-24
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: EQUIFAX, INC. (SC)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have 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.
Consumer complaint received 2023-02-24
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX FCU XXXX Balance : {$0.00} XXXX FCU XXXX Balance : {$0.00}