davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-29
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (CA)

To Whom It May Concern, I have been harassed by U.S. Bank or rather the U.S. Bank National Association since XXXX. After the market crash in XXXX, U.S. Bank became the Indenture Trustee of a student loan asset-backed security fund administered by the former XXXX XXXX XXXX. I obtained a prospectus from XXXX XXXX which confirms that U.S. Bank was the Indenture Trustee. Several years later, I was sued by this fund despite the fact that there was no letter of true sale or proof of true sale vis -- vis GAAP protocol. To use more candid wording, they sued me without proof that I even owed them any money. I have a deposition wherein this fraud is admitted. After years of emotional distress due to this unlawful lawsuit, I was forced to get 2 years of XXXX XXXX for XXXX and XXXX XXXX. In order to pay for this XXXX, I had to cash out an IRA that was managed by none other than U.S. Bank, the very organization that was suing me as Indenture Trustee. U.S. Bank delayed my check so long from my liquidated IRA that I had to delay my XXXX, remaining in XXXX all the while. Now, as a caregiver for my XXXX veteran grandfather over on XXXX XXXX, the only bank that is available is none other than U.S. Bank once again. In the last month, my U.S. Bank account has been hacked and I was urged to apply for a secured credit card for which I was promptly rejected. Prior to applying for this credit card, I was urged to do a money order for {$300.00}. I have yet to receive the {$300.00} back despite being rejected for the secured credit card. I am seeking full restitution for all the harm U.S. Bank has caused me over the past decade. Over the past decade, this bank has defrauded me via a lawsuit, delayed receipt of my IRA liquidation check so that I had to remain in XXXX, and now allowed me to get hacked and solicited me on a credit card for which I was ineligible. I plead for you to regulate this bank in order to stop its functionaries from destroying people 's lives as it has destroyed mine. 

Thank you for your assistance, XXXX XXXX
Consumer complaint received 2020-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (IL)

On XXXX I attempted to " Round Up '' my purchases to invest that partial dollar into investments. I was notified that PNC had changed their policies and this is no longer allowed. My husband is out of work so this is one of the few ways I can save money now. 

Please encourage or direct PNC to change their policy. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-03
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (MO)

THIS IS NOT A DUPLICATE COMPLAINT. 
National Credit Adjusters is reporting an account with the INCORRECT ACCOUNT NUMBER, thus all three bureaus are reporting on this item incorrectly. The account number XXXX. The collection was originally through a lender called XXXX. Nation credit adjusters, however, only reports with their reference number XXXX. Because of this error, XXXX  reports the item as Open and active in collections. XXXX  reports the item as a Charge Off, meaning that I still owe money for the account. XXXX  still shows the account as Open in collections. This account should not be displayed as Active or Open in collections. It should be Closed. I should have zero accounts active or open in collections. It should be displayed as Paid In Full, not as a Charge Off. I have been trying to refinance my mortgage and this issue being displayed incorrectly is causing me undue financial stress. I do not want to have to file suit under the Fair Credit Reporting Act but its at the point where theres no other option.
Consumer complaint received 2022-06-12
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. (GA)

In accordance with the Fair Credit Reporting act, 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 instructionsI
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP (TX)

THE 3 CREDIT BUREAUS AND XXXX ARE NOT REMOVING THE LATES FROM MY CREDIT REPORT. THE MOTOR BIKE WAS A TOTAL LOSS THE INSURANCE PAID THE ACCOUNT AND I ALSO MAILED A PAYMENT IN. I HAVE PROOF BELOW.
Consumer complaint received 2020-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MO)

On XX/XX/XXXX, I requested a full and complete audit on my Wells Fargo mortgage account because the monthly mortgage statements I have been receiving and still currently receiving are showing months that payments were paid as not paid. Monies sitting in unapplied funds and not being applied to my account. 

Every month I have been faxing copies of the incorrect mortgage statements along with copies of money orders and checks for payments made, for the months in question. 

A XXXX XXXX was assigned to process my audit, as of today 's current date, Thursday, XX/XX/XXXX, XXXX XXXX has not and refuses to provide any status of my requested XX/XX/XXXX audit. No communication and he provides a deadline that he will have the audit completed and continues to extend the deadline every month since XX/XX/XXXX.
Consumer complaint received 2020-01-31
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: Rocket Mortgage, LLC (MI)

Quicken Loans called me numerous times after telling them we are not interested in refinancing and kept harrasing us about refinancing with them. Then got an alert that they ran a hard inquiry on my credit report without my permission.
Consumer complaint received 2020-12-14
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. (IL)

ve been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2019-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I requested proof of ownership several times via certified mail. XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and again on XX/XX/2018. I have disputed this account with the collection company and all three credit reporting agencies. I have requested proof of ownership and have received no proof just different offers to settle the account.
Consumer complaint received 2022-09-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

on XX/XX/20 I sent a letter to all three bureaus regarding inaccurate information on my credit report and to this day over 60 days later I have not received a response yet.I feel like I am being taken advantage and being ignored of my disputes.I demand these inaccurate information removed immdiately.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2022-08-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (AZ)

In accordance with the Fair Credit Reporting Act XXXX, Diversified Adjustments account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602A states, I have a right to privacy. 15 U.S.C. 1681 section 602A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-12-07
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)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$470.00} XXXX {$0.00} XXXX XXXX {$470.00} XXXX XXXX {$57.00} XXXX XXXX {$3900.00}
Consumer complaint received 2021-12-07
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. (NV)

I have been a victim of identity fraud, I am elderly and XXXX. I have tried many times to all credit bureaus to have the incorrect information removed and they refuse or delete and add again. This complaint is against XXXX, XXXX, and Experian for violating my consumer rights during the covid 19 pandemic causing financial difficulties.
Consumer complaint received 2020-12-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanUnited.com, LLC (WA)

Recently I refinanced my home with LoanUnited. They sold my loan to another company and transferred all my principle amount. 
Meanwhile I sent them one month of payment via check. 
Now They are not acknowledging that they have cashed my check and have not refunded my money.
Consumer complaint received 2020-01-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC (NJ)

I've been in dispute with this company ( XXXX XXXX XXXX. ) and the bureaus to which this account has been deleted off my credit file. Now I'm receiving a letter from this company today saying I owe {$1900.00} ....??? Now that this is happening to which I don't know why. This company is not on my credit report. Attached is a copy of the deletion of my credit file. So I want this company to mail me what is it they have. 

Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Consumer complaint received 2022-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CO)

The value of my home has risen dramatically in the last 14 months. I sent in a request to have my PMI removed. First, the company provided an unreasonably low valuation of the home inflating my XXXX to 93 %. Secondly, the company is maintaining that I must wait 2 years to get an appraisal to remove PMI. Thirdly, the company only communicates via email which they respond to in one month or more via mail. Fourth, the company will not communicate with me on how the valuation was reached. 

All three of these are unacceptable and I believe, possibly, illegal.
Consumer complaint received 2021-10-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

To whom it may concern, I took out a SBA loan ( EIDL ) for XXXX. Loan was approved the money was sent to my Citibank personal checking account. ( The reason it went to personal and not business ) The loan was done as a Sole proprietor. I used around 25 to 30 thousand dollars out of the XXXX. There was around XXXX left in the account. Citibank decided to close my account for no reason given. They said that they can close account at any time they want. I had no problem with that. The only problem I'm having is that they kept the money. They don't want to issue me a check for the remaining balance. They don't want to sent the money back to the SBA either. So the bottom line is that I have to start making payments on a loan of XXXX ( which is close to XXXX with interest ). And citibank is holding onto XXXX of my money and making interest on it for over 12 MONTHS.
Consumer complaint received 2022-05-03
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. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (FL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2024-02-06
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. (NY)

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. 

Pursuant to XXXX U.S.C XXXX, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in XXXX CFR Part XXXX ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the CRRG.

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am currently applying for a mortgage. I initially applied for a mortgage on XX/XX/XXXX then again on XX/XX/XXXX and XX/XX/XXXX. All applications were within the 45 day period. However, XXXX and XXXX lowered my score by 50 points based solely on these inquiries-no other credit factors explain the drop in the score. Both companies are violating the 45 day rule.
Consumer complaint received 2022-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (IL)

The XXXX second installment Property Tax Bill was not paid from my escrow account. 
I contacted the mortgage server 5-6 times in the last three months when I became aware the payment was delinquent. 
The company agreed to make the payment as soon as possible, however, effective today ( XX/XX/XXXX ), they did not complete the corresponding payment. The bill was due on XX/XX/XXXX. 
This is mortgage server information : Selene Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX www.selenefinance.com
Consumer complaint received 2021-03-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlantic Recovery Solutions LLC (WV)

These people call me trying to collect from someone named XXXX XXXX. Apparantly she had my number before the cable company gave it to me. 
I Have asked them repeatedly to put me on a do not call list and they assure me that they've done that yet I still get calls at least three times a week and usually from someone with a really poor attitude.