davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-20
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Starting in XXXX of XXXX, Shellpoint the Loan Servicing Division of NewRez, started to send me notificatons about lack of insurance on XXXX properties. I have XXXX non-owner loans with Shellpoint, on all XXXX we pay the property taxes and insurance directly and never have had a impound account. I immediately uploaded the XXXX XXXX to the accounts in question. The following month I got another letter requesting same. I called the service number, they said its in process. The following month another set of letters and I had my insurance Agent upload. Eventually they placed insurance on XXXX of the properties. After more calls and 3 more uploads they finally removed the forced placed insurance on 2 of the 3 properties. The XXXX XXXX XXXX XXXX, I finally got a letter in XX/XX/XXXX stating that the forced placed Insurance was canceled and the insurance I provided was adequate and in force from XX/XX/XXXX to current. 

Unlike the other XXXX properties, the loan statement on this loan continues to show a {$1200.00} " escrow balance ''. I have made 3 payments since the acknowledgement that forced placed insurance was implemented in error. On the last XXXX payments, Shellpoint would not accept my payment unless I paid another {$120.00} for the phantom " escrow account '' balance. The representatives I speak to each time say that I need to send letters to the " servicing '' department and only that department can clear it up. I am not allowed to speak directly to the " servicing department ''. Meanwhile Shellpoint is extorting {$120.00} from me just to accept the {$1800.00} regular payment. I have to call in and manually make this extra payment, otherwise I will get a 30 day late payment on my crdit. In essence they are ignoring all my request to properly account for fraudulent statement they are sending. 

This is a classic case of a automated system gone awry. They have peppered me with notices for over XXXX months and Shellpoint either woefully understaffed or just refusing to respond in person and clean up the mess they created. I have spent the last 8 months with multiple calls, uploads, letters and I am at wits end to get this resolved. I need your help to compel Shellpoint to respond with a qualified staff member in a reasonable time frame.
Consumer complaint received 2022-05-31
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)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts which was inaccurate that were showing in my credit file. The accounts I am questioning are not affiliated with me nor received any money, goods, or services. These accounts are unknown to me. I have doubts in their accuracy and the reported payment history. As required by FCRA 605B ( c ) ( 1 ) ( C ) you are required by law to remove accounts which is found to be opened due to identity theft. These negative accounts are as follows : XXXX XXXX Balance : {$5300.00} ; XXXX XXXX Balance : {$0.00} ; and XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX )  XXXX Balance : {$1300.00}.
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NC)

It is very obvious that XXXX  is not concerned about accurate reporting ; instead the company bends to whatever untruths/mistakes that it's member corporations insist on reporting. I have submitted another dispute that is clearly a mistake on the company 's part, but XXXX either did not read the supporting evidence or refuses to force the company to modify the tradeline consistent with the status that is supported by the documentation. 
On XX/XX/XXXX, I submitted dispute # XXXX, is dispute to delete a tradeline. I filed because the creditor agreed to delete the tradeline as a result from a previous CFPB investigation ( XXXX ). The effective date of that deletion was XXXX, but as of XX/XX/XXXX, that tradeline still existed on my credit report. Evidently, the message to deltee the tradeline never made it to that company 's clerks who process credit reporting. So, in my most recent dispute, I attached the letter from the creditor which outlines the commitment and includes the tradeline deletion form. Instead of XXXX  reading and deleting the tradeline, they forwarded the dispute to Bayview ( now Community Loan Svcg XXXX again, and whatever clerk received the dispute responded back that the tradeline is reported correctly. So, it's clear that either XXXX didn't send the document to that clerk or that clerk didn't open to read the document from Bayview/Community committing to deleting the tradeline ( as of XX/XX/XXXX ). Attached is the documentation : 1. The CFPB complaint XXXX XX/XX/XXXX XXXX 2. Bayview/Community Loan Servicing Tradeline Deletion Commitment ( XX/XX/XXXX ) 3. Recent dispute results of tradeline deletion request showing Bayview/Community clerk responding the account is reporting accurately.
Consumer complaint received 2019-11-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC (NJ)

I purchased a new XXXX  at XXXX XXXX and at the last minute they used high pressure tactics to sell me a number of extended warranty products via XXXX XXXX. I wasn't too worried as the contract allowed cancellation within 60 days for a full refund, or a pro-rated refund after that. I have been trying for months to cancel this and just keep getting the run-around from XXXX  XXXX  who  say they can't get a response from XXXX. 

Two of the three products were eventually cancelled ( I don't believe I got the full refund I was entitled although it's hard to tell because the documentation is so poor ). I have tried numerous emails and calls and can not get the third cancelled. 

In the meantime, I've had to pay interest on the loan for these products.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (CA)

Dear Sir/Madam, I am writing to formally lodge a complaint against Barclays Bank regarding their denial of my application for a XXXX Airline XXXX XXXX MasterCard based on inaccurate information provided by their collections office. This issue has significantly impacted my creditworthiness and my ability to secure credit. 

Upon applying for the XXXX Airline XXXX XXXX MasterCard, I was informed that my application was denied due to a reported delinquency on an XXXX credit card from 2003. I categorically state that this account is not mine. Moreover, even if it were, the statute of limitations would have rendered this account ineligible to appear on my credit report. According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, I am entitled to a fair and accurate credit report. This federal law mandates that all information on my credit reports be accurate and verifiable. The continued presence of this erroneous account on my credit report constitutes a clear violation of this mandate and has adversely affected my creditworthiness. 

Furthermore, under 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may include in a consumer report any adverse item of information that is more than seven years old, other than records of convictions of crimes. The alleged delinquency from 2003 clearly falls outside this permissible reporting period. 

In light of these provisions, I am requesting the immediate deletion of this false account from Barclays Bank 's records and my credit report. Failure to rectify this situation promptly will compel me to take legal action to enforce my rights under the FCRA. 

I trust that the Consumer Financial Protection Bureau will investigate this matter and ensure that Barclays Bank complies with the legal requirements for maintaining accurate credit reports. I appreciate your attention to this urgent matter and look forward to your prompt response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2022-05-31
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. (PA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts which was inaccurate that were showing in my credit file. The accounts I am questioning are not affiliated with me nor received any money, goods, or services. These accounts are unknown to me. I have doubts in their accuracy and the reported payment history. As required by FCRA 605B ( c ) ( 1 ) ( C ) you are required by law to remove accounts which is found to be opened due to identity theft. These negative accounts are as follows : XXXX XXXX Balance : {$5300.00} ; XXXX XXXX Balance : {$0.00} ; and XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00}.
Consumer complaint received 2018-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

Chances are that PayPal created other alternatives to harm me. I got randomly hit by a vehicle back in XX/XX/XXXX in connection with PayPal. I've ended up in the hospital and stuck with all these ambulance bills and other bills for no reason.
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (FL)

in accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX has violated my right and opened an account without my consent 15 U.S.C 1681 section 602 A.States i have a rights to privacy 15 U.S.C 1681 604 A Section 2 .It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX - [ ] XXXX XX/XX/XXXX These inquiries were opened in my name without my consent. These are fraudulent accounts that were not open by me.
Consumer complaint received 2022-05-31
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. (VA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/2022, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2022-05-31
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. (VA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX  credit bureaus XX/XX/2022, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2022-05-31
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)

THIS IS A DIRECT RESULT OF IDENTITY THEFT. CAPITAL ONE IS REPEATEDLY REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORT. NEXT ACTION TAKEN WILL BE LAWSUIT AGAINST CAPITAL ONE.
Consumer complaint received 2022-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital one decided to close my accounts via no notification prior. stated they can't tell me why. I have {$9.00} in the account that belongs to me and frankly the account should have been closed and another opened when it was compromised. yet the have yet to communicate anything further to me going over a month now. 

they need thorough investigation. They offer upto {$50.00} for referrals. which Is legal I guess but they need a good talking too on my behalf. I was left without a means to buy gas and food and as hard as I work I want them held accountable. fine them. as well as ask the to disclose all info regarding the breach of my account. my ss # has been compromised no thanks to the SC dept of revenue breach in 2010. And here I have to worry how I will eat.
Consumer complaint received 2022-05-31
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. (VA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (NM)

USBank credit card over charged me on XX/XX/2022 above {$6000.00} for a Minimum Payment. This is Outrageous. I contact them and they wrote me that they could not lower. 
How in Earth a minimum payment its over {$6000.00}? 
I can not afford. I paid over {$3000.00} and asked them to make it reasonable. They raised the amount Without Any Notice Any Communication. 
Is this Right? They can do that? Raise an unbearable price? With No notifications so ever? 
How they could work to make reasonable for us to pay. Would that be possible? Please I am looking for a reasonable minimum payment that would not be this Outrageous {$6000.00} what is this? And no communication with customer to advise that they would cut your throat on XXXX? 
I am trying to pay my bill but they made impossible. 
Could they made possible. 
Also they charged me a fee on top of the {$6000.00} Thanks
Consumer complaint received 2018-09-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MA)

Bayview servicing illegally forclosed on my propertyat XXXX XXXX  XXXX XXXX .XXXX  mass broke the non-judicial laws of the safe of mass and consumer protection act banking law XXXX A never helped to modify my loan .XXXX XXXX and XXXX. XXXX filing this complaint.
Consumer complaint received 2018-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION (MD)

On sunday I was depositing cash at the BBT ATM machine, the ATM rejected some of the bills and started to return them to me but I was unable to get all the cash before the ATM took the remaining cash back into the machine and shut down with no receipt. I only got XXXX dollars back out of a XXXX dollar deposit, and when called they said it would take a couple of days. This created a couple of overdrafts and they have not refunded the fees.
Consumer complaint received 2015-08-05
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Geneva Financial, LLC, Chandler, AZ Branch (AZ)

The loan officer threatened to disqualify the buyer if I issued a cure notice. Loan doc 's were not at title 3 days prior to the close of escrow date. Clearly a breach of the purchase contract. I was protecting my seller.
Consumer complaint received 2022-06-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (NC)

Complaint XXXX was filed with the CPFB. CFPB closed the complaint because truist bank claimed the person on the complaint is not authorized to access the account. however, truist bank is well aware that the person filing the complaint has power of attorney from the account holder and in fact is authorized to access the account. What's more, truist bank required that the person making the complaint speak on the phone and give authorization to discuss the account. 

What is happening when truist bank requires that a person give authorization to discuss an account, but later - after that person files a complaint- says the same person is not authorized to access that account?