davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-17
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. (TX)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit Bureaus has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXXDEPT OF ED XXXX Balance : {$2400.00} ; XXXX/DEPT OF ED XXXX Balance : {$4000.00} ; XXXX/DEPT OF ED XXXX Balance : {$9000.00}
Consumer complaint received 2023-02-06
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-02-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (PA)

For the past few months Ive been constantly lied to by PNC Bank in reference to closing the Money Market Account with a zero balance that was put on hold due to PNCs Imaginary fraud games. So a new account was open now all of a sudden there are some unsettled disputes on that account. And I called in on Sunday XXXX to discuss this matter. However someone from a third world country acting as a call representative to whom once again dont know in the world of a basic customer service need. I then gets transferred to a U.S. Live Agent to whom played games by claiming that she needed various verifications. However my password was presented in which by PNCs own admission is valid. Then Im asked to verify a texted password and Im asked questions about the dispute and then Im asked for my address and phone number in which is totally ridiculous games. So please investigate these con artists to whom are using spiteful tactics because theyre being investigated for fraud concerning my late mother XXXX XXXX XXXX
Consumer complaint received 2022-05-23
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-09-26
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Capital One/XXXX XXXX XXXX XXXX of a fraudulent application submitted with his information without his consent XX/XX/XXXX that left an inquiry on his XXXX  credit report. An official dispute of this application was mailed certified with return receipt to Capital One/XXXX XXXX XXXX XX/XX/XXXX ; however as of this date Capital One/XXXX XXXX XXXX failed to provide a reply or an update to the investigation status of this issue. This is a violation of the FCRA and my client 's federal consumer rights.
Consumer complaint received 2017-10-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TCF NATIONAL BANK (MN)

I have been behind on my payments with XXXX Mortgage for over a year. Almost always less than 30 days behind. XXXX has done nothing to help me get up to date. I have asked for help and they indicated they can not help unless my payment is current. 

I am currently 30+ days delinquent and they showed up at my house to tell me they are going to start foreclosure! Can they even do that? My husband is XXXX and this has put him over the edge! I have always handled our finances and they knew that. They went to my husband ( he is on the mortgage ) without any warning. I am furious! 

Lastly, XXXX has refused to help me get caught up by offering a loan adjustment, and have been raking in a $ XXXX late fee for over a year.
Consumer complaint received 2017-10-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc. (CA)

my wife and i applied for a loan on our property in XXXX tennesee in XX/XX/XXXX after approx 45 days i received a request to pay off $ 50+K in debt, and close an account so that the loan would go through and i would receive docs the next week. 
we paid off the debt within 24 hours and provided all requested documentation to XXXX XXXX NMLS # XXXX OF AMERICAN FINANCIAL NETWORK INC. within 72 hours. this included letters from creditors. 
approximately 10 days later i then receive another request from the XXXX XXXX to pay off approximately 90 % of all of our debt in order to get the loan processed. 
my wife and i have now paid off over 50 thousand dollars in debt as requested and now they want us to pay off another 200+ thousand in debt. between these two amounts this exceeds the loan amount requested. some of these loans are also 0 % interest which they want to provide a loan for approx. 4-5 % which financially makes no sense. ( get rid of a zero percent loan to obtain a 4-5 % loan? ) after questioning XXXX XXXX he stated that 's what underwriting has requested. 
this process has now left me with approximately 3-5 hard inquiries on our credit which were NOT authorized and wasted 90 days of our opportunity to obtain this loan. 

the ramifications to me from the above is : XXXX of debt paid off for no reason and cash flow loss as requested by XXXX XXXX 90 days of time for a refinance on the property excessive AT LEAST 4 hard inquiries on my credit personal loss of time
Consumer complaint received 2022-05-23
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-02-18
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NJ)

Disputed Amount : {$610.00} paid by me to Synchrony Bank on XX/XX/XXXX. 
Issue : Synchrony Bank has not refunded the inaccurate and false charges posted to my account despite agreeing to refund the extra charges as stated in the last response, Synchrony Bank has failed to fulfilltheir promise. 
On XX/XX/XXXX I had mailed the proof of payment to SynchronyBank to the address theircustomer representativehad provided which is SYNCHRONY BANK FRAUD Department, Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CalledXXXX  XXXX ( person handlingmy case from SynchronyBank ) on XX/XX/XXXX and XX/XX/XXXX requesting that my refund be processed, but no action hasbeen taken. 
Besides destroyingmy creditreport, subjecting me thru mental and emotion torture, inflicting financial pain and making me spend endless amount of time in pursuing my case, running pillar to post, what else is remaining that will stratify Synchrony bank to follow thru their promise. 
For a simple law abiding personif this is not tyranny of rich and powerful financialinstitution like SynchronyBank, then please enlighten me with the new and appropriate definition of tyranny. 

Sincerely XXXX XXXX
Consumer complaint received 2023-07-21
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: JPMORGAN CHASE & CO. (GA)

In accordance with the fair credit Reporting act Chase Auto Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.
Consumer complaint received 2023-07-21
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 — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (WV)

Banana Republic Credit Card/Barclays Bank Delaware did not send me a bill for the charged amount if {$170.00} in XX/XX/2023. Therefore in XX/XX/2023 the amount became delinquent and went on my credit report causing my score to drop approximately XXXX points. The minute I found this out I immediately paid the account off.
Consumer complaint received 2023-07-21
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. (FL)

I made several attempts to have this company remove an address that isnt associate with me. Ive been a victim of identity theft since XX/XX/2021 and Im asking for them to remove the address.the address thats on my bank statement that I attached is my address.
Consumer complaint received 2024-02-17
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. (UT)

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.

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 2022-05-23
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2017-10-25
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROYAL UNITED MORTGAGE LLC (NJ)

I applied for a mortgage refi. With ROYAL UNITED MORTGAGE. We are currently in a adjustable rate mortgage. And wanted to refinance to get locked in. My credit score is a XXXX my income is over 100,000. we have about {$90000.00} of equity in our home. However I was steered into applying for an FHA loan. I paid {$500.00} for a home appraisal FHA.My wife happened to look over this loan application and realized that we qualify for a conventional loan, and paying almost 11,000 for points. We feel we were pushed into this loan so they could reap more monetary benefit from the government loan. Also I consider this predatory lending. If my wife did n't look into this loan it would 've cost us thousands of dollars and years to even get back the money that we put into it.The fees were astronomical, they were charging us for almost 3 1/2 points.
Consumer complaint received 2022-05-23
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # : 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
Consumer complaint received 2022-05-23
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: EQUIFAX, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MD)

I opened up an account with XXXX design with Synchrony Bank XXXX XX/XX/2021 my limit was {$3000.00} dollars and I paid a lump sum of the that amount leaving me with a bill {$530.00} they then decrease my limit just a few dollars above my balance to XXXX XXXX.Then without notice to me and all my payments were on time my credit score actually went up since I applied for credit from them now my credit score dropped XXXX points because they have reported Im using 94 % of my credit limit which is wrong they change my limit for no reason explained to me at all. This company unethical behavior has hurt several familys and there are many reviews and complaints from consumers as myself. This here is unfair to all
Consumer complaint received 2022-05-23
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # : 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
Consumer complaint received 2022-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX loan # 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
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is reported on my Credit Report and needs to delete immediately : Wrong Address XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2016-11-16
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: TCF NATIONAL BANK (IL)

I am currently behind on XXXX car payments and have been getting at least XXXX-XXXX calls a day, not including calls to family members stating if I do not call, it will not be in my best interest. My family members are afraid for me and feel threatened.
Consumer complaint received 2021-11-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (PA)

Wondering if you can assist us in a work around for this. We made such a low salary when I first started XXXX and my husband was a XXXX XXXX that the only way out realtor thought we would qualify for a mortgage was to consolidate our student loans. XXXX plus years later and more that XXXX payments, our loan still can not be forgiven because there is no way to convert a XXXX XXXX XXXX XXXX into a direct loan. Please help. We have been working in qualifying public service roles and due to the facts below, we can not get XXXX. 

XXXX type of XXXX student loan is a Joint or Spousal consolidation loan a now-defunct program that allowed XXXX spouses to combine their individual federal student loan balances into a single loan, with both spouses jointly responsible for its repayment. The program was discontinued, but some borrowers including those who have since divorced are stuck with these types of loans. Joint Spousal FFEL Consolidation loans can not be re-consolidated into a federal XXXX consolidation loan under current federal policy, and therefore can not qualify for XXXX. It may take an act of XXXX to address this problem. 

Thank you for your help. We have written to our senators and representative to try to assist with a work around. 

Thank you!
Consumer complaint received 2019-06-18
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: Lincoln Educational Services Corporation (NY)

My son signed for a private student loan with Lincoln Technical Institute in the amount of {$9100.00} on XX/XX/2017. He is the sole person to sign the loan. He did not start to pay the poan on time and Lincoln Technical Institute reported this loan on my credit report and put me down as co-signer of the loan. I have all the documents that where signed and there is no co-signer to the loan. I called Lincoln Technical Institute to have this loan removed from my credit report and was told that i signed on the loan. I was told that she had the document and i asked for a copy. Weeks later i received the same document showing only my sons signature and no co-cosigner, my signature is not on the loan.
Consumer complaint received 2017-10-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Dear CFPB, I am writing again because I need to be clear on this issue. As you already aware, I had placed many complaints against Bank Of America trying to take my home. I placed a complaint Last month XXXX and I see that CFPB closed my complaint. Why did you close my complaint allowing the BOA to have their way? On the response from BOA on my last complaint, they stated that on XXXX per dept of justice they sent out a program for me to save the house. I can clearly and truthfully state that this BANK did NOT do such thing. It is the same behavior pattern as before. LIES. How can they just get away treating customers like this? They get caught and fined a hefty amount as punishment and still go around with these lies. We need to get to the root of the problem. I want all copies of letters sent to me on XXXX like they mentioned. I want the BANK to submit to CFPB of all the letters I sent since XXXX of my issues. Lets get to the bottom of this please. We shall see who is lying. Let Bank Of America take me in front of court under oath. Once again, I have been crying for help since XXXX. And this month they will take my home away. 
I DO NOT WANT TO LOSE MY HOME. MY SON 'S HOME ... XXXX 

Thank you XXXX XXXX
Consumer complaint received 2022-05-23
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. (NC)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX account # 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