davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Cascade CISS Holdings, LLC (TX)

I had my credit report pulled by xactus for a mortgage loan and they are showing inaccurate information on one of my accounts as being in collection when its not and its hurting my score. The account in question is my XXXX XXXX  account XXXX. This is in violation of the FCRA and needs to be fixed.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. Im beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging effect on my credit report and score.
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/16. I had a credit building account with XXXX I decided to go ahead and prepay the credit building loan. {$2500.00} was sent to my government t prepaid card with Bank of America. For 3 months I been trying to get my account back but they have not been very cooperative.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Consumer complaint received 2024-01-22
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: EQUIFAX, INC. (MA)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX I contact Bank of America and asked for a deferment on my mortgage due to COVID. They said that they would do a one month deferment and I would need to call back the following month to have it extended for another month. Well, I never called them the following month but the ended up doing a 3 month deferment for the XXXX, XXXX and XXXX payments and my next payment would be due on XX/XX/2020. XX/XX/XXXX came by and the regular automatic payments resumed and I thought I was done with the deferment/forbearance program. Then in XXXX they didn't draft a payment, so I made one manually. That payment went to principal only and not to Principal and Interest plus my impound account. I then realized that they had stuck me on ANOTHER deferment for XXXX, XXXX and XXXX and my next payment wasn't due until XX/XX/2020. So I called them and asked to to reverse that principal only payment and have it applied to my XXXX payment. Needless to say it wasn't done. So I called again and they said they can only do that if I cancel the forbearance/deferment program I am on. I told them to go ahead I made payments for the XXXX, XXXX and XXXX payments that were deferred. Well, they took the payments for those 3 months and applied it to Principal Only again. I called AGAIN and to have the forbearance/deferment canceled, which they finally did but they canceled it only for XXXX, XXXX and XXXX. They took all the payments that they had applied to Principal and reversed them and applied them to the XXXX, XXXX and XXXX payments making me due for XX/XX/XXXX again. What they should have done was applied the payments to XXXX, XXXX, XXXX, ( XXXX was already made ) and XXXX and had me due for XX/XX/XXXX. I called again and they said they will have my case manager call me on XX/XX/2020 at XXXX XXXX  but I never got the call. I don't know what else to do as I don't want to have my mortgage have a balance that is in deferment.
Consumer complaint received 2024-01-20
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. (IL)

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  Account Number : XXXX has violated my rights. Or 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 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

My Chase Checking account was " restricted '' with little to no explanation provided by Chase as to why. I was told that I will not have access to my funds pending an account closure review. After visiting the local Chase branch on 2 separate occasions, nothing was accomplished regarding my account. I was told the account would be closed and there will be no appeal process. 

I have now been told I will be mailed a check with my full account balance as it stands. It has now been 10 days and I have not received a check and I am still unable to access my funds. Chase will not answer me at this point and I need my funds as soon as possible. This is ridiculous and I need a response from Chase. 

I will be satisifed if my account is closed and the check mailed in full without delay.
Consumer complaint received 2020-10-01
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. (WA)

I am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute the following that I have included in this report. Please remove it immediately.
Consumer complaint received 2020-08-05
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)

In XX/XX/XXXX, a XXXX leased by my brother, of which I am a co-signer, was towed because it was parked on a public street with an expired registration. The car was unable to be retrieved from the impound lot because the XXXX Offices were closed due to COVID pandemic and a new registration could not be obtained. In XX/XX/XXXX, XXXX retrieved the vehicle and my brother paid approximately {$2300.00} to take possession of the vehicle. XXXX reported this actions as a repossession to all three credit bureaus. My credit score dropped from XXXX to XXXX. 

XXXX incorrectly reported that the account had an overdue balance of {$1900.00}, and was closed. I disputed the delinquency with all three bureaus. XXXX corrected the issue, and my credit score as of XX/XX/XXXX was back over XXXX. Experian corrected the information but did not adjust my credit score. XXXX is still processing the dispute. 

I am here to formally complain about Experian. It is impossible to speak with a representative of the company. I have ZERO late or delinquent payments in my 17 year credit history. The current credit score given by Experian is significantly impacting my life. Experian should correct my score to reflect that the XXXX retrieval was no due to missed or delinquent payments, is currently open, and in good standing. There is an exceptional payment history on that account. 

XXXX has me over XXXX, Experian below XXXX. Obviously this is an error on the part of Experian and must be addressed.
Consumer complaint received 2022-11-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (NJ)

Please note that this is not a duplicate complaint. This is about an unauthorized wire transfer done by XXXX because of their sheer incompetency and carelessness. 

XXXX has no internal controls or validations. They delayed my XXXX wire transfer requests of $ XXXX each ( to XXXX different banks ) for days for no valid reason. Now they have incorrectly sent both wire transfers of $ XXXX to the same bank. 

Not only that, when I called them to alert them about their mistake this morning, they still failed to do their due diligence and prevent this disaster. A supervisor named XXXX lied to me on a recorded line saying that even though there are XXXX debits in my account of $ XXXX going to the same bank ( XXXX ), the second transfer is indeed going to the correct bank XXXX XXXXXX/XX/XXXX). Of course that was again a lie. I just checked my XXXXXX/XX/XXXXand they have received $ XXXX and $ XXXX from XXXX. How can people running XXXX be soXX/XX/XXXX? They have put me over the FDIC insurance limit with the XXXXXX/XX/XXXXbecause my bank balance with that external bank is now over $ XXXX. 

On top of that, my financial transaction with the XXXXXX/XX/XXXXis on hold now as they never completed that $ XXXX wire transfer. Just now spoke to a supervisor XXXX and all she can do is say " I apologize '' with no way to fix anything. Because XXXX has fraudulently sent another $ XXXX to XXXX XX/XX/XXXX without my approval, there are not enough funds left in my account to send to XXXXXXXX XXXX XXXX XXXX as per my instructions. And XXXX is refusing to do anything about this other than to say " I apologize ''. 

I can't complete the transaction for which I needed the $ XXXX in XXXXXXXX XXXX XXXX XXXX and I have lost days of interest on the unauthorized XXXX transfer they sent to the XXXXXXXX XXXX 

History XX/XX/XXXX Outbound wire to XXXX XXXX XXXXXXXX. - {$250000.00} XX/XX/XXXX Outbound wire to XXXXXXXX XXXX XXXX  - {$250000.00} The one from XX/XX/XXXX in unauthorized wire transfer. 

Scheduled Transactions XX/XX/XXXX Outbound online wire to xxXXX - {$250000.00} My authorized wire transfer request to XXXX XXXX  is still pending and is still showing up in Scheduled Transactions even though there are not enough funds left in that account because of XXXX 's unauthorized activity. 


Here is the case number that was provided to me XXXX XXXX
Consumer complaint received 2020-10-01
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. (WA)

I am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute the following that I have included in this report. Please remove it immediately.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant XXXX, and I urgently request that you rectify this error by removing it from my account.
Consumer complaint received 2022-10-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROYAL UNITED MORTGAGE LLC (FL)

My partner ( XXXX XXXX ) and I applied for a mortgage refinance. XXXX was removed from the application. We were not given all the information on that. Then I was denied for " Unacceptable type of credit references provided. '' I don't know what that means.
Consumer complaint received 2020-10-01
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: Granite Edvance Corporation (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2020-10-01
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. (FL)

I made a complaint via CFPB XXXX about Experian reluctance to remove unverified accounts being reported on my credit file, instead of verifying and removing the accounts in question their response is to say they do not believe I am who I say I am and that they are not going to verify the accounts. I have sent copies of my drivers license and social security card which under FCRA is acceptable, my address is a P.O. box because currently I do not have a home and can not qualify for a home because of the unverified accounts being reported as mine, they are causing me tremendous financial and quality of life issues, If they would like a notarized letter stating that I am truly XXXX, I can do that. I have again uploaded all the letters, copies of ID, certified letter receipts.
Consumer complaint received 2024-01-26
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: EQUIFAX, INC. (OH)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXXXXXX Balance : {$26.00}
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I am a client of XXXX  XXXX XXXX since XX/XX/2020 to fix, dispute and correct inaccuracies on my credit report file monthly with the 3 major bureaus. 3 years later, ALL 3 credit bureaus still have incorrect information concerning my personal information as well as my place of employment. This must be addressed. XXXX XXXX XXXX has all of the information and paperwork regarding my history and relationship with them.
Consumer complaint received 2023-07-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp. (NY)

XXXX XXXX XXXX XXXX has placed a fraudulent account # XXXX with the unproven amount in collections on my credit report on XX/XX/2023. 

Without providing the requested documents in which I requested regarding the company alleged claims. 

I disputed the entire matter in writing to Absolute Resolutions Investment LLC service processor XXXX XXXX XXXX XXXX as required before XX/XX/2023 per notice received from XXXX XXXX XXXX XXXX. 

I disputed this matter in writing sent vis XXXX XXXX XXXX mail XXXX XXXX and via email to XXXX XXXX XXXX XXXX in care of Absolute Resolution Investment LLC. 

XXXX XXXX XXXX XXXX placed their account with the fraudulent amount allegedly owed in collection on my credit report on XX/XX/2023 prior to XX/XX/2023 in which their service processor XXXX XXXX XXXX XXXX notice stated to dispute the matter by XX/XX/2023. 

XXXX XXXX XXXX XXXX and Absolute Resolutions Investment LLC refuse to provide me documentation as requested, regarding this matter in which I am disputing. 

This company is using gross tactic, tricky and is threatening to sue me in court if I don't pay them. 

I also had to dispute Absolute Resolution Investment XXXX on my credit report to XXXX on XX/XX/2023 still awaiting a response. I do NOT owe this debt.
Consumer complaint received 2024-01-24
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: EQUIFAX, INC. (TX)

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had update. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. 
XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX Balance Owed : {$3800.00}
Consumer complaint received 2021-02-19
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: TRUIST FINANCIAL CORPORATION (NC)

XXXX and BB & t accounts continue to reappear on my credit report after being disputed and resolved as being removed and deleted from my credit report from XXXX. It had caused me adverse actions and obtaining the appropriate credit I deserve.
Consumer complaint received 2024-04-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Specialized Loan Servicing Holdings LLC (VA)

I made payment on account.. .in excess of what was owed for principal via electronic transfer.. .my payment amount of which they acknowledged receipt by sending an email to me... was {$19000.00}... 

Now they are saying because it more than paid the loan off give or take by {$60.00} that they are saying loan isn't paid off that they are going to send me the money back and that it can take up to 20 days .to get the monies back... and that I would have to send them a certified check to pay loan off verses wiring / electronic transfer of the money to them. They already have more than enough monies.. .my bank has verified that they have the monies, and for Specialized Loan Servicing to send monies back.. they would have to have the monies already.... the computer screen on their system shows I owe now {$19000.00}.... {$19000.00} more than covers this. 

this loan has an interest rate at 8.75 %.. .this kind of XXXX just allows them to get more monies from people.
Consumer complaint received 2022-11-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (GA)

I have been speaking with one of my mortgage company representatives and shes basically just giving me the runaround concerning my amortization schedule I have been clearly righting to her concerning my amortization schedule but the representative is giving me all these mixup emails concerning something opposite of what I am directly writing to her about this matter at hand Is concerning me deeply that a mortgage company will have Representatives to act in a manner that they are.