davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from chase on the XX/XX/XXXX and XX/XX/XXXX and also the XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard inquiries on my credit report which is affecting my credit score
Consumer complaint received 2022-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

Company violated over 33 of my consumer rights and caused extreme hardship for my person and consumer character in which infringed upon many rights and privileges and resulted in depreciation of livelihood. Included in the upload will have all documentation necessary. Please review.
Consumer complaint received 2018-12-15
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: BB&T CORPORATION (FL)

On XX/XX/2018, Regional Acc. pulled my credit report without my permission. I tried and tried to resolve this issue with XXXX and Regional Acc. but they are blaming each other but not resolving the issue of removing the inquiry. The dealership also tried to reach out to them about this unauthorized inquiry but they never responded. Attached is a copy of the letter from the dealership stating that the unauthorized inquiry is done without my permission. They allowed one of my family member fill out a application with my name, social security number and date of birth without my authorization and Driver License.
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I paid off the loan back in XX/XX/XXXX. recently popped back on my credit about two years ago and theyre stating I owe the loan I paid off back in XX/XX/XXXX and then not take it off my credit. It is greatly affecting my credit score.
Consumer complaint received 2018-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Advantage LNS Inc. (TX)

Still a ridiclous situation with this collection company ; The original company which debt is from never EVER had the intention to send this to collections ; It was supposed to be removed as it the entire situation was mediated by a lawyer with the original management company of the property. I would like for this to be immediately removed as I am no longer responsible for this debt. 

Company claimed that " Mr. XXXX abandoned the unit XX/XX/2014, resulting in unpaid rent and lease termination penalties '' however the unit was never abandoned, and all of this was handled out of the management companies main office who oversaw the property. 

Thank you for doing the right thing.
Consumer complaint received 2018-12-15
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: Exeter Finance, LLC. (FL)

On XX/XX/2018, Exeter Fin. pulled my credit report without my permission. I tried and tried to resolve this issue with XXXX  and Exeter Fin. but they are blaming each other but not resolving the issue of removing the inquiry. The dealership also tried to reach out to them about this unauthorized inquiry but they never responded. Attached is a copy of the letter from the dealership stating that the unauthorized inquiry is done without my permission. They allowed one of my family member fill out a application with my name, social security number and date of birth without my authorization and Driver License.
Consumer complaint received 2015-09-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I HAD MY A/C WITH XXXX XXXX BANK SINCE XXXX XXXX AND LATER MERGED TO " BANK OF AMERICA '' IN XXXX ALONG WITH MY SAFE DEPOSIT BOX. 
SAFE DEPOSIT BOX FEE WAS DETECTING AUTOMATICALLY FROM MY CHECKING A/C ANNUALLY. AFTER XXXX BOA STOP TAKING OUT FEE FROM MY A/C, I AM BUSSY IN MY LIFE AND NEVER PAID ATTENTION, BOA STAFF NEVER STOP TO GOING TO MY SAFE DEPOSIT BOX IN ALL YEARS AND IN AVERAGE ME AND MY WIFE WAS GOING TO CHECK OUR BOX THREE TO FIVE TIMES A YEAR. IN XXXX XXXX RIGHT FEW DAYS BEFORE WHEN I WAS GOING ON MY TRIP TO XXXX RECIEVED NOTICE FROM BOA THAT YOU OWE US $ XXXX. IN PANIC I WENT TO MY BOA BRANCH WHERE I HAVE BOX " XXXX XXXX XXXX '' THAT STAFF GIVING RUN AROUND, I CAME BACK TO MY HOME AND CALLED BOA HEADQUARTER AND REQUEST TO HANDLE THIS SITUATION, BUT NO HELP THEN I WENT BACK NEXT DAY TO BRANCH DUE TO I NEED TO TRAVEL IN FEW DAYS. 
BUT XXXX XXXX SAID TO ME THAT IF YOU DO NOT PAY THESE ALL YEARS RENTAL FEE PLUS ALL LATE CHARGES THEN WE WILL USE DRILL MACHINE AND CANCEL YOUR BOX, THEY NEVER SENT ME ANY TYPE OF NOTICE IN THOSE YEARS AND WAS NOT MY FAULT. 
I NEED TO TRAVEL IN FEW DAYS XXXX SO I PAID $ XXXX RIGHT A WAY, TOOK MY ALL STUFF FROM MY BOX AND EMPTIED AND CANCEL MY BOX, AND STOPED BY XXXX XXXX BANK AND OPEN NEW BOX. 
AFTER I RETURNED FROM MY TRIP AND TRY TO GET MY ALL CHARGES $ XXXX REIMBURSE AGAIN RUN AROUNDBESIDE XXXX XXXX HIS OTHER ASSOCIATE TALKED TO ME THEN VERY RUDE LADY WAS BAD APPROCED TO MESHAME, SHAME, SHAME AND SHAMETHEN I CALLED FEW TIMES TO BOA HEADQUARTER AND THEY JUST TRANSFRED TO SAME BRANCH MY COMPLAINT. 
AFTER ALL DONE AT THE LAST BRANCH MANAGER " XXXX XXXX '' CALLED ME AND REFUSED TO REIMBURSE MY ALL ILLEGAL CHARGES WHAT THEY COLLECTED ON XXXX XXXX XXXX. 
THANKS A LOT TO READ THIS COMPLAINT AND I SHALL BE GRATEFUL
Consumer complaint received 2022-02-04
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: EQUIFAX, INC. (PA)

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 the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifaxhas NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-20
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: Experian Information Solutions Inc. (FL)

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX, Never gave the following Consumer Reporting Agencies XXXX XXXX XXXX XXXX, Experian Information Solutions Inc, nor XXXX XXXX, the written instructions to furnish the information for Inquiries in the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S. Code 1681s2 ( 6 ) ( A ) ( B ) A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. The Credit Reporting Agencies shall be fined {$100000.00} ( Per Violation ) for non-compliance under the Gramm-Leach-Bliley Act if you fail to comply and remove the items mentioned above.
Consumer complaint received 2018-12-15
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. (OH)

Looking at my Transunion credit report it shows that XXXX XXXX  account and credit acceptance account " NEEDS ATTENTION ''. That comment needs to be removed. Both of those accounts are in Chapt. XXXX. No bankruptcy account needs that type of comment because the account is closed showing wage earner and a XXXX balance. There should be not other comments on these accounts.
Consumer complaint received 2020-06-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6900.00}, {$5400.00}, {$11000.00}, {$8000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2018-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (PA)

Company : RoundPoint Mortgage Servicing Corporation XXXX XXXX XXXX XXXX, NC XXXX XXXX Current LTV : 77.9 %. 

Payment History : Current and have never missed a payment from inception. 

PMI still on loan. 

Mortgage Company has refused to comply with automatic termination of PMI on loan. Several reminders -email and phone calls - have been made by homeowner to the mortgage company but they have declined the termination in line with Federal HPA regulation on automatic termination of PMI.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

For your consideration, All three credit bureaus have incorrect information listed on my credit report pertaining to previous employers. Unfortunately, there are hidden and unfair forms of stigma and discrimination in society one of which involves black box algorithms which filter according to categories such as names of previous employers.

Such black box algorithms are hidden forms of stigma and discrimination on the part of lenders and other companies reviewing my credit. To protect my right to privacy from these and other unethical forms of practice until these come under greater regulatory scrutiny please remove from all of my credit reports mention of previous employers in accordance with the Fair Credit Reporting Act.

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 States a consumer reporting agency can not furnish an account with my written instructions which none of the three major credit reporting agencies have obtained from me.
Consumer complaint received 2018-12-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

First paperwork i did was 33 pages i filled out that XXXX XXXX sent me do and copied digitally to my email at library, XXXX printed them and sent them to Wells Fargo. 

Later on i went to XXXX XXXXk and hot current statement which was 8 pages sent to them. 
I sent copy of my income tax, I sent them the social security award letter {$1500.00} which is my only income. 
I sent copies of electric bill and my medicine etc. 
I would have been in a better situation if they had let me start paying something, My amount owed just grew and grew. 
Back in XX/XX/2017 they would not let me unless i paid them all owed. My only money i got every month was social security which does not leave money for mortgage payments, That is not there fault but if they lowered my payment to {$900.00} a month i would have paid them every month. I still want to pay them but i can not back pay. I could start paying them {$800.00} every month now and try to send more if i can spare. 
Thanks for your time. I have sent messages for a while on their site to let me start paying but no response, if i get moved out on street XX/XX/17 XXXX i don't what to do!
Consumer complaint received 2020-06-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (AZ)

PayPal has been holding my money for a while now and will not release it so that I can buys the kids uniforms. You can not talk to anyone due to Covid so I can not get nothing solved. I need the money to be release so I can pay for my football leagues fields and uniforms.
Consumer complaint received 2018-12-15
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: Consumer Portfolio Services, Inc. (FL)

On XX/XX/2018, CPS pulled my credit report without my permission. I tried and tried to resolve this issue with XXXX   and CPS but they are blaming each other but not resolving the issue of removing the inquiry. The dealership also tried to reach out to them about this unauthorized inquiry but they never responded. Attached is a copy of the letter from the dealership stating that the unauthorized inquiry is done without my permission. They allowed one of my family member fill out a application with my name, social security number and date of birth without my authorization and Driver License.
Consumer complaint received 2018-05-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (GA)

I have outstanding medical debts that violate the hippa law. I have reached out to these companies on numerous occasions trying to get this debt resolved.Nothing is being done with this matter. I have sent out 609 letters violating rights and etc. I have tried to reach out to the main company as well as the bureaus.
Consumer complaint received 2018-05-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

Hello, Short story : Chase Bank refuses to open Business Checking accounts for General Partnerships licensed in XXXX XXXX. They keep changing what documents are " required '' for KYC despite us complying with everything. 


On XX/XX/15 I walked into Chase Bank to ask questions about opening a Business Checking Account for my band. My band has a Federal TIN and is registered/licensed with the city of XXXX XXXX as a general partnership ( only two owners ). We already have a XXXX XXXX account with XXXX XXXX XXXX XXXX but decided to move to Chase. After I confirmed with the banker at Chase that everything was in order, I then closed the account at XXXX and walked back to Chase with an Official Check and my business documents. 


The banker then proceeded to inform me that I don't have " partnership agreements ''. In the city of XXXX XXXX, such agreements are not necessary, moreover, that is not an actual legal document. I've already successfully filed taxes and had checking accounts with this business for a year - it's tiny, just a band that I have on the side. 


I then called XXXX and asked what they would need. We have driver 's licenses for both partners, passports ( or debit cards for second form of ID ), XXXX XXXX Registration Certificate, and a Federal TIN. They said that should be enough to open the account. When I tried a second time they then said my XXXX Registration Certificate is wrong and should list both partners. I checked with the city and even logged into my online portal to be absolutely sure I registered the business properly with both partners. Both partners are accurately listed with the city but the city does not identify partners on their certificates, just the DBA/Business Name. Here is an example of a XXXX  Registration Certificate I found online : https : XXXX Partners can be verified using the city 's online portal by anyone, but they charge a fee which I'm assuming the bank does not want to pay. I even offered to pay this fee and they refused. So I'm literally stuck with no bank account right now because the bank is unable to figure out their own KYC requirements. I'd understand if I had made a mistake on my paperwork but that is definitely not the case. I used to work in compliance at a bank and I'm frankly puzzled by what additional documentation we'd have beyond Federal TIN, XXXX, and Driver 's Licenses for the owners. This isn't an XXXX so no Articles of XXXX or anything are needed. Not only that, but the bank keeps changing the requirements as if they are making this up each time. We are just a small funk band that makes maybe a few grand a year as a side project. 

Locations involved : Downtown XXXX XXXX and XXXX and XXXX XXXX.
Consumer complaint received 2018-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

On XX/XX/2018 I paid an amount to settle a debt in full to USAA Bank, and the payment has cleard and was accepted by USAA Bank as complete settlement. A confirmation was recieved from both USAA and their third party collection agency ( XXXX ) confirming such. I have reached out to USAA regarding their inaccurate reporting to all credit reporting agencies that this debt still has a balance due which in fact is inaccurate and damaging information. Which is directly impacting my efforts to resolve this unfortunate situation that was a direct result of multiple untimely and unexpected immediate family deaths including my Mother, Aunt, and Grandmother within only a 3 month period. I have unsuccessfully reached out to this creditor asking that if this debt is settled to please extend their goodwill and remove this account in its entirty upon settlement from my credit reports. This has not been done nor is it reporting accurately. Attached are supporting documents I ask for CFPB 's assistance in this matter sincerely. 

Thank You
Consumer complaint received 2023-10-11
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Freedom Mortgage Company (TX)

We sold our home on XXXX XX/XX/2023 and had an escrow balance of {$1000.00} after paying off the mortgage. The lender sent the refund to the house we sold! So the check got lost. 

We contacted Freedom mortgage and they said they sent a check to our new address. It did not arrive. We called and they said they had to wait 30 days. No reason given. When it still had not arrived they said they sent another one. Finally, on XXXX XXXX we called and they said since it still wasnt there ( over XXXX months later ) they would overnight it. We called today, XXXX XXXX to tell them it did not arrive and they said it would be here on XXXX days. We asked how an overnight letter can take XXXX days. No answer. 

They gave us a tracking number. When we looked at it, it showed the letter still has not even been sent. 

They are liars and criminals. Had we not paid our mortgage for XXXX months we would have a mound of late fees and penalties as well as probably be looking at foreclosure.
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2018, I applied fir a XXXX XXXX credit card and was approved for a Card with a {$300.00} credit limit. The XXXX XXXX employer told me that only 1 inquire will be apply to my credit report. But that was not correct ... XXXX XXXX summit 3 inquiry and pulled my credit with unauthorized inquiry. I only authorized them to pull my credit report 1 time. I tried 3 month to resolve them matter with XXXX XXXX but they keep telling to Dispute it with the TransUnion, so I did it. I summited a Dispute with TransUnion them to tell me that they dont do inquiry Dispute, which is not true. They are 2 inquiry dating on XX/XX/2018 and XX/XX/2018. These inquiries are effecting my credit score bad and negatively.