davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (MN)

U.S. Bank received a copy of my bankruptcy discharge notice from the United States District Court District of Minnesota on XX/XX/2020 in regards to all of my debt with U.S. Bank has been discharged under Chapter XXXX. U.S. Bank is in violation of The Equal Credit Opportunity Act ( ECOA ) for credit discrimination under federal law because U.S. Bank is discriminating against me by not allowing me to open a U.S. Bank Checking account online or in-person.
Consumer complaint received 2023-08-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Theft via Capital One who allowed an account created in my name on XXXX. 

I was alerted and they canceled the account, saying was FRAUD. 

But they have Hard Inquiries on my account from that day. I put FRAUD ALERT on all Credit Bureas ; however they allowed another HARD INQUIRY on XXXX. 

They say it takes a lot of time to remove these things, but XXXX finally told me to file this report. 

They should be sued for allowing a second attempt without calling me due to the FRAUD ALERT, which is also now a Security Freeze. 

Thank you kindly, XXXX XXXX
Consumer complaint received 2023-08-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NC)

I reached out to Shellpoint Mortgage on XX/XX/XXXX when my mortgage was only 21 days past due. I spoke with a representative who submitted a 3 month forbearance that only required a verbal request from me ( no paperwork needed ). She stated that a decision would be made in 48 hours. I never heard back so I called again on XX/XX/XXXX. The new rep said that he didnt see a forbearance request so he will submit a new request and again to call back in 48 hours to see if a decision has been made. I called a week later, around XX/XX/XXXX. A new rep said that they mailed out a packet for loss mitigation that needed to be completed and I would hear from XXXX in the loss mitigation department. I never heard from anyone so I returned the packet on XX/XX/XXXX. I called on XX/XX/XXXX to see if they received the packet and they explained they would need income documentation and a new packet filled out. At this point I believe the mortgage company is giving me the run around, they will not return my calls or make a decision regarding my forbearance request, causing me to get further behind ( now due for 3 months ).
Consumer complaint received 2021-09-16
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)

Numerous times ive been disputing with Experian to have this incorrect address removed from my credit report. XXXX XXXX XXXX, XXXX, mi, XXXX. Is not my address. I do not live at this address. At this point, Experian is going against the fair credit act. ive provided proof that i do not live at this address. But yet, they still fail to remove it. I want this address removed immediately.
Consumer complaint received 2020-11-15
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. (MS)

on XX/XX/2020 I mailed a letter requesting verification for inaccurate accounts listed on my credit report. I still haven't received a response and the accounts are still showing on my credit report.
Consumer complaint received 2021-09-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

Hello On XX/XX/XXXX and XX/XX/XXXX XXXX was deducted from my account. There was an issue of the seller being fraud-lent. Notified pay pal on several occasions they did not help me. Attempted to contact seller but was blocked from communication. Could you please assist me with this matter? Thanks in advance.
Consumer complaint received 2023-01-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp. (CA)

This company refuses to provide me any information about this debt. Continually harasses me. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Hello, I am requesting the original wet signature purchase agreement that shows you are the legal owner of this alleged debt. 
Thank you, XXXX -- XXXX XXXX ( XXXX ) XX/XX/2023, XXXX XXXX XXXX XXXX XXXX, Im sorry for any confusion about our email, but Im happy to clear things up for you.

We are TrueAccord, a XXXX party collections agency, working on behalf of XXXX to help collect on this outstanding balance. We are happy to work with you to get this account resolved for the outstanding {$26.00}, but requests for compensation, refunds can not be resolved with TrueAccord. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Navient ignored my " borrowers '' best interests in violation of its government contract to prevent borrowers from moving to XXXX ( the student loan servicer that administers the Public Service Loan Forgiveness program ),  so that Navient could continue to earn fees. 

During XX/XX/XXXX - XX/XX/XXXX I was advised by ancient to enter into an unemployment deferment. I was eligible to enter into an IBR that would count towards my 120 payments in a PSLF program. In XX/XX/XXXX, I was then advised to enter into standard repayment. Only because I could not afford repayment I looked into the matter further and realized I could have been an an IBR plan. 

During XX/XX/XXXX - XX/XX/XXXX, I went against advisement and managed my account and entered an IBR. My financial situation was exactly the same as the previous 3 years. I was part-time employed at several colleges working over 30 hrs. In fact, since I was working over 30 hours I did not qualify for the deferment that was suggested. 

I am requesting that the months from XX/XX/XXXX - XX/XX/XXXX be  counted towards my IBR. I am willing to pay back payments at the same rate that was determined for the period between XX/XX/XXXX - XX/XX/XXXX. 

My current IBR payment is slightly high because I am now full-time which is a different financial situation. 

I have requested documentation from navies but was referred to my online account. they informed me all the information I need is there. but dates on deferments do not show.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I called XXXX company and cancelled my contract due to the contractor XXXX XXXX never coming out to start the job. XXXX ( The company ) and XXXX XXXX of XXXXXXXX XXXX XXXX ( The contractor ) both agreed to cancel the contract and not have it report to the credit bureaus. On XX/XX/2022 XXXX has since reported the account to the credit bureaus ( Experin, XXXX, XXXX ). The account is reporting as XXXX XXXX account # is XXXX and XXXX  # XXXX. 

XXXX XXXX opened the fraudulent account on XX/XX/2022. I have spoke with both the contractor XXXX as well as the lender XXXX and XXXX assured me that this information would not be reported on my credit report and thatchy would cancel the contract. 

I spoke with XXXX XXXX ( XXXX XXXX ) over at XXXX at XXXX EXT # XXXX and he provided me with a case # XXXX regarding the cancellation of this loan and it should have never been reported to the credit bureaus.
Consumer complaint received 2023-02-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (TN)

In XXXX of XXXX, my mortgage was transferred from Stearns Lending , LLC to Guaranteed Rate , Inc. I started forwarding payments to Guaranteed Rate in May, as per the notice received. I talked to an agent to find out what was going on and to make sure they got all of my information from Stearns, as well as my Loss Mitigation paperwork. My Payments were {$730.00}. Payments went smooth, as planned. On XX/XX/XXXX, I received a notice in the mail that my mortgage was transferred, yet again. This time, from Guaranteed Rate , Inc ( subserviced by XXXX Mortgage ) to Guaranteed Rate, Inc. ( subserviced by XXXX XXXX XXXX ). Payments start on XX/XX/XXXX going to XXXX. The payment amount due per notice is {$730.00}. My XXXX payment got kicked back to my bank. I called customer service. They could not find my account. They told me that it just may not be in the system yet and to try again after the holidays and that I could not be penalized due to RESPA. I tried paying twice more after the holidays. Both payments kicked back. I called customer service and they told me to call XXXX. I did and went over my account. The agent told me that they have not received a payment since XXXX and that my mortgage would not be transferred to XXXX until XX/XX/XXXX. She told me to call and find out what I owe because she couldn't tell me because they don't have my entire account. 

I have been unable to contact anyone by phone. When they call me, I am either working or no one is on the line when I answer. It just hangs up. I got an email from XXXX stating that my transfer was supposed to occur but it was stopped and she doesn't know where my account is. 

As of today, I have been unable to pay my mortgage due to technical errors and no one can tell me where my account is or what my Loss Mitigation terms are or where my money is.
Consumer complaint received 2023-02-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/XXXX XXXX XXXX  to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2024-02-21
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: LEXISNEXIS (GA)

Lexis Nexis provided information to XXXX and XXXX that is not accurate. Lexis Nexis did a reinvestigation and stated that they verified the XXXX  as accurate after using XXXX which provides information about accessing and filing federal XXXX  records electronically. As was disputed the on XXXX and XXXX the following bankruptcy information per the FCRA. U.S XXXX XXXX does not provide information to credit reporting agency and I did not sign a contract with Lexis Nexis or XXXX. This is a demand to remove this erroneous and inaccurate information immediately from my Lexis Nexis, XXXX and XXXX reports. 

The Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023 I attempted to deposit some cash at a Bank of America, ATM, and the machine told me that my card could not be used. So I called the bank, and they informed me that my account had been closed due to a business decision. They refused to give me any other reason, and after I spoke with a supervisor, he informed me that in their terms and conditions they were allowed to close any account for any reason. I asked him did I break the terms and conditions or something and he said that I had not however, they were still closing my account, and will not be able to open me a new account ever again. I am completely confused, because I did not do anything wrong, he even told me that I didnt do anything wrong, yet they are just closing my account, for no provided reason. I am starting to feel like I am being discriminated against, because they have just closed my account without any reason.
Consumer complaint received 2021-01-15
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-12-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Freeway Funding, Inc. (CA)

On XX/XX/XXXX I went back to the dealership that I bought this car from in XXXX of XXXX. I tried to dispute the account through the credit bureaus in XXXX because the car is being reported as a repo charge off. What happened is I got into a car accident on XX/XX/XXXX and the car was completely wreck so the insurance company paid off the loan. I went to complain at the dealership because Freeway funding was reporting my account as in repossession AND had a balance of XXXX! I attached the credit report for that date. The car was never in repossession, it was wrecked and paid off by the loan company. I went to the dealership and they called Freeway funding and explained to them that I purchased GAP insurance and that the whole car should have been paid off by the insurance company. The dealership said he saw on my credit report that theres a balance due of XXXX lady at Freeway funding said that they show a balance of XXXX like the car was never paid. They were giving us the run around then forward me their legal department that went straight to voicemail. I left a message and they never responded. 

So on XX/XX/XXXX XXXX funding updated my credit report to show a charge off with a balance of XXXX. I know with the GAP insurance everything would have been paid off. Now for sure with them updating my credit report I know they got the money so at this point they are just back tracking and adding all these fees.
Consumer complaint received 2023-07-30
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. (NY)

Subject : Urgent Request to Correct Address and XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to urgently address an issue regarding inaccurate information on my credit profile. Despite my previous efforts to rectify the situation by contacting the credit bureaus, the necessary actions have not been taken. 

As a consumer, I am aware of the laws that safeguard my right to have accurate information on my credit report. Specifically, I am concerned about the reporting of an incorrect address and name that does not align with my actual details. 

I kindly request your assistance in resolving this matter promptly. Your intervention would greatly help in ensuring that my credit profile accurately reflects my personal information. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Credit Karma (NJ)

I am writing to file a formal complaint against Credit Karma , LLC and XXXX regarding the recent closure of my XXXX line of credit and their disregard of my notice for arbitration. I believe that both companies may have violated consumer protection laws, and I am seeking your assistance in addressing this issue. 

Here are the details of my complaint : Background : I had a XXXX  line of credit that I responsibly managed for one year, making on-time payments and demonstrating good financial behavior. 
After Credit Karma acquired XXXX, I received a notification informing me of the closure of my line of credit. However, the notification provided inadequate explanation for the closure, leaving me with unanswered questions. 

Notice for Arbitration Disregarded : In response to the closure of my account, I exercised my right to initiate arbitration proceedings by sending a notice for arbitration to Credit Karma , LLC as stated in their terms of use.Despite providing proper notice and following the required procedure, Credit Karma , LLC disregarded my notice for arbitration and failed to engage in the arbitration process. 

Negative Impact : The closure of my XXXX line of credit and Credit Karma 's refusal to address the matter through arbitration have had a significant negative impact on my financial well-being. As a result of the closure, my credit score has dropped by XXXX points, making it difficult for me to secure loans or obtain favorable credit terms. This adverse consequence has hindered my financial opportunities and caused undue financial hardship. 

Violations : I believe that Credit Karma , LLC  and XXXX XXXX have violated consumer protection laws, including but not limited to the Equal Credit Opportunity Act ( ECOA ) and the Consumer Financial Protection Act ( CFPA ). By disregarding my notice for arbitration, Credit Karma , LLC may have violated the terms of their own agreement and denied me the opportunity to seek a fair resolution through the appropriate legal process.
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (CT)

We are XXXX & XXXX XXXX and we are filing a complaint against Monterey Collections. We have tried to cooperate with this company so we can get our credit in good standing and bring our association with Monterey to an end. We have not gotten a straight answer from the agency, and have hardly received any notifications from them. Our account was sent to them when our timeshare membership with XXXX XXXX was still opened. We have been notified by XXXX XXXX that our account has now been terminated. When we called Monterey they refused to speak to us about the situation, claiming we can not be helped until our balance is paid. Monterey told us we owe {$1900.00} in maintenance fees and {$1600.00} for the contract. This is a contradiction to what the resort has told us. We are no longer timeshare owners so we need this balance removed from our credit report. Monterey is still demanding the money from us and has stated that even if we pay them they can not confirm that our account will be canceled. We feel Monterey is trying to get paid under false pretenses. They are paying pennies for this debt, why are they insisting on holding onto it? They want to take our funds without canceling our account. They have ruined our credit and have set us back from moving forward in our lives. We can not buy a house or refinance. This situation has caused us a great deal of stress, and we feel it is unnecessary. Monterey has revealed to us that they are greedy and have little to no understanding of fair business ethics. We ask that you please help us solve this matter so we can return for the sense of normalcy that we are desperately longing for.
Consumer complaint received 2021-09-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (DC)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2023-01-20
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. (VA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) TRANSUNION CREDIT BUREAU is required to remove this inaccurate address not later than 4 business days after the receipt. 
XXXX XXXX XXXX XXXX, MA XXXX.
Consumer complaint received 2024-01-31
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. (OH)

I have received and reviewed a copy of my credit report and I noticed that there are some fraud accounts and unauthorized inquiries listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request.
Consumer complaint received 2024-01-31
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. (CT)

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX