davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MN)

Coming out of our covid 19 forbearance we were looking for a long term option for paying back the 18 months of missed mortgage payments So we submitted a request for assistance at the end of XXXX XXXX What I thought would be around a 30 day process ended up dragging out over 4 and a 1/2 months just to be considered to have a complete application.. Initially our application was denied once in late XXXX based on a software issue with accepting one of the bank 's many requests for information... The processing system failed to submit it to underwriting and we had to call again to get it push through We submitted copy after copy and letter after letter And then finally in early XXXX We knew it was an underwriting and were expecting to be presented with a couple of options in the next 3 weeks due to unforeseen XXXX complications I ended up hospitalized For a few weeks and then delivered a premature baby. Obviously I was under medical care and staying with family so When I returned back home approximately 6 weeks later I was shocked to find a letter stating from early XXXX stating we had been approved for a XXXX  modification pending proof of the awarded monthly XXXX benefits... Now granted this is 45 days later at this point Meaning we had already passed a 30 day mark XXXX mark and I'm scratching my head because I Knew that I initially submitted screenshots of my of my Minnesota state XXXXXXXX XXXX benefits in my original application back in XXXX bember and frankly never even knew what the federal additional XXXX funds were or when they were being added because it was part of the federal CARES act. No currently apparently I'm sitting with a letter of default andefault and after another 2 hour conversation on the phone with Lost medication I informed that our house is set for a sheriff 's sale on XX/XX/XXXX and the only way to to put a halt to it is to submit another another request for XXXX assistance and have a Complete application in with the company prior ire to 15 days before the date of sale meaning XX/XX/XXXX. it took me over 4 months to get the bank to consider our initial application complete how on XXXX would I be able to pull that off in less than 20 days!? Especially considering I had already submitted the requested document in my initial application but application! They make you jump through hoop after hoop As a means to make it almost impossible to satisfy their requests ... it's ridiculous! It's a complete case of the left side not talking to the right side and then telling me well there's nothing I can do about it Even though I had already submitted what they were asking for...
Consumer complaint received 2016-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I have sent numerous supporting documentation to Equifax in regards to fraudulent and unauthorized accounts on my credit report that do not belong to me. Equifax continue to disregard and refuse to look at the supporting documentation for proof that the following accounts do not belong to me : XXXX, XXXX, XXXX XXXX XXXX and MN Child Support Enforcement. I continue to get the same response over and over from Equifax which is, we have verified the item belongs to you, despite supporting documentation that is proof the fraudulent accounts do not belong to me.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

OPEN : Account Name : XXXX  XXXX XXXX Account Number : XXXX  Account Name : XXXX Account Number : XXXX CLOSED : Account Name : XXXX XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2022-05-23
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-19
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (OR)

My bag was stolen that contained my wallet & my phone & a few other things. After I figured out that who ever stole my bag was using my card and seen the fraudulent charges i called it in stolen. I made a police report. They sent me some forms in the mail I got them and i filled those out and signed the forms and faxed them in. & the same day I called to check if they received those forms they told me that they had denied my dispute claim and would not give me any sort of reason as to why. I dont understand how they denied it considering the charges are from a town 3 hours away from me. They basicly denied me and said sorry your XXXX.
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Once again I am starting a complaint to fix an ongoing problem. The original CFPB complaint was XXXX. Bank of America said they fixed the problem with my credit card. However, based on the latest statement they didn't do anything. I have a credit card that has a XXXX interest promotion. Yet each month I get interest charges where I have to call the card to have them removed. The spend 30 minutes to an hour each call trying to convince the individual that BoA is charging me when they shouldn't. Of course none of then believe me so they argue with me. Eventually after they do research they realize they are the real problem, not me. Every person I speak with has no clue how to get this to stop and obviously the last person for BoA that worked this same issue didn't either. Bank of America has a very bad reputation for a reason.
Consumer complaint received 2021-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc. (NJ)

I the consumer XXXX usc XXXX ( a ) is on the do not call registry and avant- credit card services has continuously text me harassing me about a bill due, when all debt obligations are to the XXXX XXXX usc XXXX
Consumer complaint received 2021-11-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

I am unable to get requested details or have a clear conversation with this loan servicing company. I have requested to speak with a point of contact regarding the loan which is in foreclosure. 
I have asked for an escrow history and was told only 2018 was available.Yet, at the same time, I was told that escrow analysis is done annually, but because the loan is in litigation and so far in default, all that was available was 2018.I am expected to accept Carrington 's calculations and add on fees without question. 
I have requested a copy of the XXXX XXXX ( original loan holder ) settlement with the state of Illinois and was told by XXXX, XXXX ID XXXX ) that only my attorney could request such documents. However, to date Carrington continues to have the lawyer originally retained 4 years ago listed on the account. Numerous attempts have been made to update the file with the current and correct attorney to no avail. I was again told on XXXX, XXXX that a third party authorization was needed Yet, previous authorizations have never been updated. This company contradicts itself in every phone call and lacks transparency. Please see attached confirmation of my experiences from a certified HUD counselor.
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. (GA)

Per the Fair 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 XXXXXXXX XXXX - Account number:XXXX The account was charged off. {$750.00} written off. {$410.00} is past due as of XX/XX/XXXX. 

Account name : XXXX XXXX  - Account number : XXXX The account was charged off. {$4100.00} written off. {$4100.00} past due as of XX/XX/XXXX. 

Account name : XXXX XXXX - Account number : XXXX The account was charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 

Account name : XXXX XXXX XXXX  - Account number : XXXX The account was Closed. {$170.00} past due as of XX/XX/XXXX. 

Account name : XXXX XXXX XXXX - Account number : XXXX The account was Closed. {$220.00} past due as of XX/XX/XXXX. 

Account name : XXXX XXXX XXXX  - Account number : XXXX The account was Closed. {$220.00} past due as of XX/XX/XXXX Account name : XXXXXXXX XXXX - Account number : XXXX The account was Closed. {$200.00} past due as of XX/XX/XXXX. 

HARD INQUIRY Account name : XXXX XXXX - Date reported XX/XX/XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may n treat a payment on a credit card 366 account under an open-end consumer credit plan as late for 15 U.S. Code 1681c Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I am not reliable for this debt. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS IMMEDIATELY. PLEASE DELETE INACCURATE INFORMATION, AND REMOVE ALL CLOSED, WRITTEN-OFF, AND CHARGED-OFF ACCOUNTS FROM MY CREDIT REPORT. PLEASE REMOVE ALL LATE PAYMENTS AS THIS IS A BREACH OF MY RIGHTS. IT'S A DEFAMATION TO MY CHARACTER.

...
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. (VA)

On Wednesday, XX/XX/XXXX I noticed that two payments had been taken out of my checking account by PNC Bank. I had only paid and submitted one payment with confirmation number. I called the PNC offices on Wednesday morning talked to one individual who said theyd put the money back in my checking account. They took the routing and check account number and she put me on hold. The total call was 58 minutes I was on hold for 45 minutes. While I waited about 30 minutes I called on my cell phone and another individual answered I told them I had been on hold for 45 minutes and I was done that I wanted to have this handled. 

This one at least explained something about a computer glitch where multiple people had multiple payments taken out. I was lucky apparently to just have two so she took the numbers and assured me the money would be put back in my account by Thursday morning. 

It is now Friday and no money. So I called again today- she informs me that the worker didnt hit the button to push it through. She does and tells me the money wont be in my account until the XXXX of XXXX. Which is unacceptable given their mistake and that it is a week before I get my money returned. Therefore making my accounts overdrawn, due to having other expenses already taken out and not budgeting for two car payments. I believe they are a complete fraud and have no intentions of returning the payment.
Consumer complaint received 2021-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (AZ)

I opened a credit card account under my business through XXXX. They advertised XXXX in XXXX XXXX bonus miles if I spent XXXX in purchased within 4 Months. I spent this amount and never received the miles. I spoke with a rep of Citi today and they said it does not apply because I had previously received miles for another credit card. From reviewing their terms which is available through a small link under " Pricing & Information '' they have a section that says it is for new accounts only. This was a brand new account I was opening with a new credit card under a new business name that I have never had a citi card before.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022 I submitted a dispute letter to the credit bureau agencies ( XXXX, Transunion, XXXX ) explaining that the accounts below on my report are stating inaccurate payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX never late PRIMARY RESIDENTIAL MO - payment never late I have not received a response from any other the credit agencies.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

XX/XX/2018 someone opened a fraudulent XXXX credit card in my name with a {$4000.00} limit. They spent {$1300.00}. They also used a fake address and misspelled my first name ( both of which I was able to remove from my credit report ). 

I filed an Identify Theft Report in XX/XX/2018, and have been trying to get this account removed from my name for 3 years. Equifax is still showing it on my credit report because XXXX still says that it was my card... even though it was not. I have disputed at least 5 times, and nothing has been resolved. Most recently the account was " charged off '' but still shows as a closed account, with late payments and an outstanding balance. 

This is incredibly frustrating, and totally unacceptable.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-07-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

I am a XXXX patient, XXXX does not charge for any XXXX related expenses if you have had the XXXX XXXX. XXXX has a contract to see XXXX patients. I told XXXX the {$50.00} should not be charged to me. I told I.C.system of XXXX, MN XXXX the same thing. I repeatedly gave I.C. system the account no : XXXX and I.C. System Reference No : XXXX and the true statements they repeatedly transferred me would not remove the charge and would not read me back the note that they had taken my statement.
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I joined an all women 's gym. They closed the location moved it to a farther location and made it a coed gym. Did not want a coed gym that 's why i joined. I disputed and closed my account. And now i see it on my credit report.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
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 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

I sent in a few letters over the past XXXX months the most recent one was stating the laws that Equifax violated and they sent me a letter in return stating that Inquiries are factual and can not be removed from a credit report. I also called them and the representative that I spoke to stated that they didn't have to abide by the United States XXXX XXXX XXXX XXXX. XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer and Permissible purposes of consumer reports Laws or any laws for that matter I asked to speak to a Senior XXXX Management to see if he would send me a affidavit of truth stating that they had something in written or signed by me authorizing Equifax to furnish the inquiries on my report in the first place and they said they didn't have to do that I asked could I have the name of the person I was speaking to they said no they didn't have to give that information out, so I said to the lady I was speaking with it seem to me that Equifax is able to furnish all my information for anyone to see with out my authorization and she said correct and then started acting like there was something wrong with the phone saying hello hello hello and hung up on me. I can't believe these are the people that are in control of our consumer credit reports. 
I have tried to take care of this matter with Equifax directly on a few different occasions but they will not operate within the guide lines of the law they refuse to.
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 sent letters to Equifax Credit Bureau last XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$290.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$15000.00}