davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

B OF A HAS FAILED TO UPDATE MY RECORDS, DESPITE NUMEROUS ATTEMPTS TO REACH OUT TO THEM. B OF A HAS NOT CREDITED MY ACCOUNT FOR TWO SEPARATE CREDITS FROM XXXX DESPITE EMAILS FROM XXXX DOCUMENTING THEIR CREDITS TO MY ACCOUNT. B OF A HAS FAILED TO INVESTIGATE A DUPLICATE CHARGE MADE BY MODERN THAI HOTEL DESPITE PROVIDING THEM WITH DOCUMENTS SUPPORTING MY POSITION. B OF A HAS REFUSED TO CREDIT MY ACCOUNT WITH AN ALREADY EARNED XXXX OF CASH REWARD POINTS UP UNTIL B OF A ABRUPTLY CLOSED MY ACCOUNT WITHOUT PROVIDING ME WITH ANY REASONS FOR THEIR ACTION AFTER BEING A LOYAL CUSTOMER FOR OVER 14 YEARS. IN FACT B OF A OWES ME MONEY AFTER CORRECTING THEIR RECORDS AND CREDIT MY ACCOUNT PROPERLY. B OF A MUST ISSUE AN APOLOGY AND CORRECT ALL THEIR ERRORS IN THEIR REPORTING.
Consumer complaint received 2020-03-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Just saw a Bank of America hard inquiry show up on my credit report. I did not apply for any Bank of America cards. Not sure why this popped up. 

Only thing I can think of is somebody got my information off of my stolen phone and my accounts compromised. 

That being said Id like it if this hard inquiry was removed from my credit report if possible at your earliest convenience as this was done fraudulently. 

Thank you.
Consumer complaint received 2020-03-20
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. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and two other other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2023-05-05
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. (NY)

Hi I recently checked my credit report and realized that the following account from XXXX XXXX XXXX XXXX is an account I did not open. This account is really hindering my credit report and in result can not get a mortgage for a house I'm trying to buy.
Consumer complaint received 2020-03-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (VA)

I called Suntrust/ Truist to discuss options for extending my payment for a couple months due to being quarantined from COVID19 and not having sick leave or paid time off. 

First call was XX/XX/XXXX and they responded rather quickly, told me they could issue a forbearance for 3 months. 

At the end of those 3 months all payments are due ( 3 months of mortgage payments! ) .This is pretty much the " help '' they are discussing on every website. This does not help at all as in 3 months a massive payment would be financially devastating! They told me to call back. 

Called XX/XX/XXXX and they responded after 1 hour and 15 minutes. They ended up telling me the exact same thing. Forbearance with a 3 month balloon payment at the end. 

Simple fix, add a couple months on to the maturity date. Let the next couple months pass for people affected by COVID 19. 

Please help!
Consumer complaint received 2024-02-24
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. (FL)

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 2022-12-31
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. (NJ)

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items failure to do so I will file litigation against your company for furnishing a false account on my report. This is exactly why these companies are being sued lack of protection to the consumer credit profile. 

Account XXXX XXXX XXXX XXXX Showing 2 Different Account numbers along with a lot of other reporting inconsistencies clearly violates Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded15 U.S.C. 1681-1681x As well as 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

please see attached proof
Consumer complaint received 2021-06-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (SC)

Loan was paid off 6 years ago. I am trading the vehicle in for a new car and when I went to the DMV to get a duplicate title I was informed that there was still a lien on the title. We don't recall ever getting a title. I called TD Bank on Monday and explained that we needed the lien release and that this was a very urgent matter as I was not going to have a vehicle to drive until I was able to get the title. I was told that the request was expedited and should take 1-2 days to get the release. When I called to check the status I was told that the release was faxed to my # as well as the DMV 's fax #. I had not received in my box but went to the DMV to check with them ( we can not contact the local branches in SC ). They had not received the fax. I called TD Bank back and was then informed that my request had just been reviewed ( 3 days after I called to file the request ) and it was take an additional 1-2 business days and the release had not been faxed. I called back on Thursday trying to get somewhere with getting the release and was told again that the fax had been sent to both # s that afternoon. I still had not received in my box but on Friday morning I went to the DMV again and they still did not have the fax. Called TD Bank again and was told that it was sent. I explained to them they must have some problem on their end because out of two fax # s neither are receiving the document. I finally received the lien release Friday at XXXX and took to the DMV to only now be informed when they tried to release the lien that it was electronic and TD Bank had never released the title. TD Bank must electronically release the lien so that the title will be printed. Why was my account not researched at the time that I put in my original lien release request and the lien released? Why was this not done 6 years ago when the vehicle was paid off? This has caused me to miss time at work with having made 4 separate trips to the DMV and hardship that was unnecessary if the lien had been released when the loan was paid off. I will now have to wait for another unknown amount of time to be able to get a drivable car since I can not provide a clean title. Expediting any request does not work as it took just as long as a normal request.
Consumer complaint received 2020-03-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

Suntrust put a hold on my account to investigate and close it without notifying me. I have over 1k in the account that i cant access and use to pay my rent or buy food. I have been on hold with different people for hours to no avail.
Consumer complaint received 2020-03-31
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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (TX)

XX/XX/XXXX I mailed letters to several companys and havent seen any change it has also been pass 30 days and should be removed from my credit report Im very unset with the reporting.
Consumer complaint received 2020-03-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (VA)

I'm filing this complaint on Fay Financing company for transferring my mortgage to XXXX XXXX  company with an uncorrected error on my mortgage account. I received notice of an increase in my mortgage payment by Fay Finance. Stated that they did an analysis on XXXX and my mortgage was raised to XXXX. I called and asked why the high increase in my payment I found out that the analysis was done without my property tax exemption, then I was told that when they received the loan package from XXXX XXXX there was no tax exemption document stating that I was entitled to any exception. My mortgage was transferred to Fay Servicing from XXXX XXXX which had the proof of my exemption. I have no control of how documents are handled by the creditors, but would hope they would be handled with care to avoid a situation that would cause such an error. My proof of exemption should have transferred with all of the rest of the important documents that was issued to Fay Financial. Then Fay Finance couldn't justify the over three hundred dollars added to my mortgage.Fay Finance found out that my stormwater fee was behind in payment and paid the XXXX XXXX XXXX dollars to my city who I had a XXXX dollars a month payment agreement with paying on a monthly basis. The stormwater utility fee is similar to fees paid for water and sewer service, trash collection, or electricity. It has nothing to do with my mortgage payment until I was caught up. Then Fay Finance started paying my stormwater fee before I could get a chance to pay it. I never asked them to pay my bill. I then made the city treasury department aware of what Fay Finance was doing. I then received notice that my account would be transferred in XX/XX/2019. I paid my payments to you including the stormwater fee and was still not satisfied with how my account was handled. You transferred my account to XXXX XXXX as late and that is the state it has been in. Fay Finance has reported me late 30, 60. 90 days late. Dragging down my credit score now XXXX XXXX is doing the same thing
Consumer complaint received 2020-03-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems (FL)

I am receiving derogatory remarks on my credit score and credit report from an account in collections from a company I do not owe for {$140.00}. I have not received any calls about the amount due nor was I served any paperwork from this company. Its weighing down my credit score and I would like to resolve the issue as it is effecting me negatively.
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

1-XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , MA XXXX ( XXXX ) XXXX Placed For Collection : XX/XX/2017 Responsibility : Individual Account Account Type : " OPEN ACCOUNT '' Loan Type : COLLECTION AGENCY/ATTORNEY Original Creditor : XXXX XXXX XXXX XXXX 2-XXXX  XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Placed For Collection:XX/XX/XXXX Responsibility : Individual Account Account Type : " OPEN ACCOUNT '' Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX 3-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, GA XXXX ( XXXX XXXX XXXX Placed For Collection:XX/XX/XXXX Responsibility : Individual Account Account Type : " OPEN ACCOUNT '' Loan Type : COLLECTION AGENCY/ATTORNEY Original Creditor : XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MD)

I currently have a mortgage with Lakeview Loan Servicing , LLC, which was acquired in XX/XX/2019.

My semi annual property taxes were due XX/XX/2019. I have received now two notices via mail for Overdue Property Taxes/Final Bill/Legal notice on these property taxes, both in XXXX and now in XXXX. At the time, I have submitted two Service of Error letters/complaints to Lakeview Servicing. The last complaint was on XX/XX/XXXX. Prior to that, I was told property taxes would be satisfied XX/XX/XXXX. As of XX/XX/XXXX it was communicated that the lender had until XX/XX/XXXX to pay my property taxes. 

There is currently {$4700.00} in my escrow account with {$2400.00} in overdue taxes. No one seems to call me back or give me any indication as to why these taxes are overdue.Property will be advertised for auction XX/XX/XXXX if not paid.
Consumer complaint received 2021-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

paypal closed my account for no reason and will not help me whith getting it back up and going i am not sure if this some mistake as i assume it has to be i have not been able to get help from them for months but i just rememberedi could file a report on here as i feel they are not doing their job properity and it is effecting me a great deal as i used paypal quite frequently my email linked to my paypal is XXXX XXXX
Consumer complaint received 2020-03-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA (MA)

In XX/XX/XXXX, XX/XX/XXXX, they continue to contact my references listed on my loan who have no bearing on paying this loan. They will not lower my payment, they change every other day on the overdue days. They mis report payments. 
Their interest rates constantly change and not within the market rates.
Consumer complaint received 2024-02-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, I am writing to dispute a hard inquiry that appears on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an investigation into the validity of the inquiry and its compliance with FCRA regulations. BANK OF AMERICA ( Bank Credit Cards ) This is what I reviewed and I believe that this hard inquiry was made without permissible purpose or without my consent, which violates my rights under the FCRA. According to FCRA Section 604, inquiries into my credit report must have a permissible purpose and must be initiated with my consent. I have not authorized this inquiry, nor do I have any association with the company listed. Furthermore, FCRA Section 611 requires that inaccurate or unverifiable information be promptly corrected or removed from my credit report. Since this inquiry was made without my consent and does not reflect any legitimate credit activity on my part, it is both inaccurate and unverifiable. I am hereby requesting that CFPB investigate this matter and provide documentation verifying the legitimacy of the hard inquiry. If no such documentation can be provided, I request that the inquiry be promptly removed from my credit report in accordance with FCRA regulations. Please provide written notification of the results of your investigation and any actions taken to address this dispute within the timeframe specified by FCRA Section 611.Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

Upon reviewing my credit report, I noticed entries related to transaction history that I believe are not relevant to my creditworthiness. 

I would like to bring to your attention that reporting transaction history, as opposed to credit-related information, may not comply with the Fair Credit Reporting Act ( FCRA ). I request a thorough investigation into the accuracy and relevance of these entries. 

The transactions in question do not reflect my creditworthiness and may not be legally reportable.
Consumer complaint received 2021-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION (AZ)

I paid off my loan in full after closing on the sale of the home. The lender has confirmed receipt of the full payoff amount as of XX/XX/2021 and loan balance was confirmed as {$0.00}. The escrow balance has not been refunded to me as of XX/XX/2021. I have requested the refund 3 times but the lender is unable to trace status of payment or give a date of when payment will be issued to me.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing this due to non compliance with the Experian. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-03-20
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: Dovenmuehle Mortgage, Inc. (NC)

On XX/XX/2019 Two mortgages were reporting on my credit report resulting in an incorrect debt to income ratio. This was due to one mortgage being transferred to another lender. During this time I disputed DMI/XXXX XXXX to be removed from my credit report as this was not the current lender. XXXX  instead removed both loans from my personal credit report, thus negatively affecting my credit score and not reporting accurate or correct information. I have contacted the lender Dovenmuehle to have this re-submitted to the credit bureaus, attached are letters stating the information has been re-submitted to XXXX  and this has taken longer than 90 days to fix. I would like Dovenmuehle account XXXX to be put back on my credit report. Thank you
Consumer complaint received 2022-12-31
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. (GA)

In accordance with the fair credit reporting act, XXXX acct # XXXX has violated my rights.15 U.S.C . 1681 section 602 A. states I have the rights to privacy 15 U.S.C. 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-03-28
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. (GA)

I am writing this due to non compliance with the XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-03-20
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: STATE EMPLOYEES CREDIT UNION (NC)

North Carolina State Employee 's Credit Union recently started reporting auto loan to XXXX. Disputed missing payment history with XXXX  and North Carolina State Employee 's credit union. North Carolina State Employee 's Credit union has submitted information to XXXX  to update and information has not yet been updated. Seeking assistance so my credit report reflect 's actual and accurate up to date payment history. Actual payment history is attached with my XXXX credit report as an example of what should be reporting to XXXX
Consumer complaint received 2020-03-20
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX recently started reporting auto loan to Experian. Disputed missing payment history with experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX has submitted information to Experian to update and information has not yet been updated. Seeking assistance so my credit report reflect 's actual and accurate up to date payment history. Actual payment history is attached with my XXXX  credit report as an example of what should be reporting to experian