davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

This is becoming absolutely ridiculous in regards to how many complaints I've had to file regarding my issues. Here is a timeline of my most recent issues that need to be resolved : XX/XX/XXXX - I have been on a forbearance plan for 18 months. I called in to request a deferral agreement for the process of exiting my forbearance. The customer service representative initiated the process and told me to wait and that I would not make payments until everything had been done. 
XX/XX/XXXX - I receive an email ( attached ) saying the agreement has been approved and to wait on the agreement in the mail. I HAVE RECEIVED NO AGREEMENT XX/XX/XXXX - I receive a message from Loan Depot ( attached ) saying they need additional time to furnish a response. 
XX/XX/XXXX - I receive an email ( attached ) from Loan Depot saying {$8200.00} is being debited from my bank account. I DID NOT AUTHORIZE THIS PAYMENT. I logged into my account and was unable to stop the payment, edit my payment info, or even initiate a payment. 
XX/XX/XXXX - I receive an notice ( attached ) that my mortgage is delinquent despite the fact I have not been informed of the details of the deferral agreement. 
XX/XX/XXXX - I called Loan Depot and was told my deferral agreement is still pending and I am delinquent with a late charge, despite the fact my agreement is still pending. No one could give me information about the {$8200.00} payment and I was transferred around to multiple people without resolution or further information.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC (TX)

XX/XX/2021 submitted complaint with cfpb XX/XX/2021 tsi responded they would put the account in dispute status my complaint NEVER stated i wanted to dispute, my complaint stated to REMOVE THE DISPUTE COMMENTS from what you are reporting. The company 's response was they were putting the account in dispute, this is not what I requested. Please remove " account in dispute '' comments
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

FCRA Viloations not mine not my loan XXXX XXXX Account number XXXX Account type Note Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$6.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6500.00} Balance updated XX/XX/XXXX not my cc XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX was never late XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 

XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX not my phone numbers XXXX XXXX XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-02-17
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: Experian Information Solutions Inc. (FL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The Experian and XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXX FL XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX **** Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (KY)

I opened a bank account with Truist Bank in XXXX. I was promised a {$400.00} checking bonus for opening the account. I never received my bonus. I met the requirements by receiving direct deposits for 2 months. The information said that I would receive the bonus within 2 months of completing the requirements. By the time XXXX arrived, I realized I hadnt received the funds. I gave an extra month and contacted my local Truist bank in the beginning of XXXX. They said they would call back the next day with answers. They did not. I called customer support to try and fix my problem. They said that they had no bonus showing on my account and that when my account was created I didnt sign up for the offer ( which is not true ). They said it would take 25 business days to resolve and look into the issue. It has been far over that and I called them a second time this past week. They said that there is no actual date on how long it will take. I asked if I could speak to someone in promotions directly or someone else that can help and the agent said that there is no one I can talk to. No one can help. I have to wait an indefinite amount of time and they will address my situation when they have time ( I began this in XXXX and should have had the money by XXXX. ) They are withholding my bonus and will not speak with me or give me help.
Consumer complaint received 2016-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AZ)

I have written a few times and the bureaus just are n't doing anything for me and I am pretty certain that they are violating the FCRA by not correcting the items that I am disputing. They are reporting a bankruptcy on my file, and yet the accounts that are part of that bankruptcy still have " included in bankruptcy '' which is not supposed to be there. I have repeatedly notified them of this and they failed to remove it. They also did not provide any documentation whatsoever verifying anything.
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. (GA)

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2022-05-23
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX / XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
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
Consumer complaint received 2021-11-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NC)

In XXXX I received my XXXX XXXX XXXX from XXXX University in XXXX North Carolina. As of today, XX/XX/XXXX I have a student loan balance of {$97000.00}!! I would like to know how an XXXX XXXX XXXX from anywhere has the same debt as a XXXX scholar??? Not downplaying an XXXX XXXX XXXX because I'm glad to have it, but in some high schools this program is offered. There's no way I should have a debt of {$97000.00} for an XXXX XXXX XXXX from XXXX University, for that matter anywhere! I live in North Carolina I feel that navient has taken advantage of the interest payments on my student loan. When I was applying for these loans on campus with assistance from the staff of XXXX University, I stated to them that I had never been to college before and did not I understand the loan process. They sat beside me and assisted me in clicking different loans as I was unaware what I was doing.
Consumer complaint received 2021-11-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (GA)

Good Afternoon, I'm contacting you in reference to issues with my account # XXXX with PNC Bank.I have continuosly reached out to PNC bank concerning a XX/XX/XXXX late payment showing on my XXXX and XXXX credit report. I initially had bewn in contact with XXXX XXXX in executive client relations on XXXX XXXX XXXX corrected other issues with my account, but never removed the XX/XX/XXXX late payment.I reached out to CEO XXXX XXXX via email on XX/XX/XXXX whom referred me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX emailed me on XX/XX/XXXX and assured me she would look into the issue further. I asked for a detailed payment history and XXXX XXXX XXXX sent me a payment history with no dates or reference to payments.I emailed XXXX XXXX XXXX on XXXX XXXX informing her that the payment history she sent me showed no XX/XX/XXXX late payment and asked her to remove it. I received no response from XXXX. I emailed CEO XXXX XXXX on XX/XX/XXXX and forwarded the e-mail between XXXX XXXX and myself.I also sent a certified letter with return receipt to CEO XXXX XXXXPNC Bank hasn't updated my account on my credit report since XX/XX/XXXX. I can not get anyone from PNC Bank to resolve this issue on my behalf.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (TX)

TD bank is showing an account on my credit reports. This account had an initial delinquency date of XX/XX/XXXX However they are reporting the initial deliquency date as XX/XX/XXXX No payments or promises to pay have been made sense XX/XX/XXXX so this account should no longer be on my credit reports. 

re-aging is a violation of the FCRA
Consumer complaint received 2021-11-19
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. (AZ)

I am requesting the TIME FRAME in which data is processed once it is received by the credit reporting agency. THIS DOES NOT PERTAIN TO ANYTHING IN A DISPUTE. This information which I request is supposed to be PUBLIC INFORMATION. 

WHAT IS THE TIME FRAME FOR TRANSUNION TO PROCESS DATA ONCE IT IS RECEIVED BY A CREDITOR? 

Definition : time frame /tm frm/ Learn to pronounce noun a period of time, especially a specified period in which something occurs or is planned to take place. 
" The work had to be done in a time frame of fourteen working days ''
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is 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 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 inquiry that are reporting on my Credit Reports and needs to delete immediately. 
XXXX XX/XX/2021
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update from reporting. 
XXXX  XXXX {$0.00}
Consumer complaint received 2018-09-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

My closing disclosure document states on the page 4 that HOA fees were included in the Escrow costs from USAA for a monthly payment of {$370.00}.

When I signed my initial monthly Escrow payments disclosure the payments stayed at {$370.00}.

USAA has admitted that my

C losing Disclosure form is inaccurate, but now I'm stuck with the {$92.00} payment every month for my HOA when I thought that was included in my monthly Escrow Payment. It seems like a deceptive way to get someone into a mortgage and then come back with fees at a later date. The form on your website seems to say that's where I look for covered costs and HOA is written in there clearly. I've included my CD below where it states that HOAs are covered.
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Penn Credit Corporation (GA)

I contacted the debtor ( s ) on XX/XX/2019 requesting my signature proving this was my debt and/or that I had paid the accounts late. The companies are reporting this information to the 3 credit reporting agencies without providing validation of the debt and the credit reporting agences are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX 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 2022-04-15
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. (TX)

in accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights, 15 U.S.C 1681 section 602A. states that i have the right to privacy 15 U.S.C 1682 section 604A section 2 states that a consumer 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (TX)

American Express unfairly targeting small business customer. We pay {$690.00} a year for platinum business credit card and yet they put a very strict credit limit on my credit card. I have 4 business credit cards with American Express and have been paying on time and they never increased my credit limit and instead they decreased my limit. I think they're intentionally targeting me even though I've been using the credit cards responsibly. I strictly use these cards for business purpose. Current credit limits is too low to continue using these cards as rewards rate is too low and annual fee is way too high compared to other business credit cards that I have. All they do is declining my transactions whenever I spend something for my business. It is very frustrating and annoying. None of my other business credit cards do this.
Consumer complaint received 2021-11-19
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: AMERICAN PORTIFOLIO MORTGAGE (CT)

I have letter from creditor directly and email correspondence, about the mortgage being late and inaccurately reported. The mortgage company also has a mortgage for XXXX XXXX and I've never bought a house for more than {$400000.00}. This negative information needs to be deleted immediately.
Consumer complaint received 2024-02-17
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: Experian Information Solutions Inc. (FL)

My information was sold and bought illegally because I am a victim of XXXX data breach. I want these items deleted off my credit reports effective immediately, XXXX has already deleted these accounts and inquires off my report due to items being incorrect from the date breach I am asking XXXX and Experian to do the same as well. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these negative accounts and negative inquires on my credit reports : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX The Following Negative Inquires : XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I do not have any open accounts with any of the following companies above or and on the dates listed above as well. 
I am attaching the proof of accounts being deleted from other credit reports, proof of data being breached through black web and data breach from XXXX. All Credit Reports by Law List the Same Accounts for All Reports to Accurate and If and When Something Is Proven to Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do the Same.
Consumer complaint received 2021-11-19
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

An inquiry from XXXX XXXX is reporting on my XXXX, XXXX and XXXX report. I have disputed this request numerous times and reached out to XXXX XXXX, nothing has been resolved. I'm requesting this inquiry deleted and removed from my account. I am not aware of this inquiry. It does not belong to me.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXXDate of Inquiry XX/XX/XXXX