davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (NV)

I wrote to my mortgage company citing my complete compliance with all industry wide standards : i. e. an LTV of 53 %, a XXXX score in the top 2 %, no missed payments, a flawless credit history, more than 1 year old mortgage. 

I requested CCM to remove an escrow account from my mortgage with Cross Country Mortgage. This was after they attempted to increase my monthly escrow payments by 58 %. I refused to accept that amount and they lowered it to a 15 % increase. 

I then requested to waiver the escrow account, having fulfilled all the reasonable and normal requirements. They refused citing that my LTV, which is 53 % ( current loan to current market property ), by stating that THEIR calculation of LTV is based on loan to property value AT THE TIME OF THE LOAN, and it showed an LTV of 92 %. 

I vehemently disagree with their calculation, which seems to be constructed solely for their benefit of collecting higher monthly payments, and unreasonably padding their escrow account. The industry wide norm for LTV calculation in demonstrated on the XXXX website, and used by most all the mortgage companies. 

This appears to me as deceptive and unfair business practices.
Consumer complaint received 2022-03-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Verisk Analytics Inc (AL)

I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.
Consumer complaint received 2022-03-06
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. (CA)

I have repeatedly told Experian in writing and in phone calls that these accounts are a result of fraud and they have failed to help me.

1. XXXX XXXX XXXX address identification is XXXX on my report. I have never had an account with this company.

2. XXXX XXXX states the original creditor is XXXX XXXX XXXX  XXXX XXXX XXXX and the address identification number is XXXX. I have never had an account with this company, and it was fraudulently opened. Experian does not have the authority to allow a company to report false information on my credit report because they have a duty to FIRST validate the debts before they put them on a consumers report. I have never had an account with this company, and it was fraudulently opened. I will pursue legal action if this is not corrected immediately. They have no means to validate this debt because its fraud and has been reported to the XXXX XXXX Police Dept. 

3. XXXX  is on there twice. The original creditor is listed as XXXX XXXXXXXX XXXX XXXXXXXX. The address identification number is XXXX. I have never had an account with this company, and it was fraudulently opened. I will pursue legal action if this is not corrected immediately. They have no means to validate this debt because its fraud and has been reported to the XXXX XXXX Police Dept. 

4XXXX XXXX XXXX XXXXXXXX XXXXthe address identification number is XXXX- I have never had an account with this company, and it was fraudulently opened. I will pursue legal action if this is not corrected immediately. They sold this fraudulent account to a collection agency by the name of XXXX. They have no means to validate this debt because its fraud and has been reported to the XXXX XXXX Police Dept.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 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 2018-05-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (CA)

concerning complaint # XXXX filed with the CFPB on XX/XX/XXXX. 

Thank you for the response filed on XX/XX/XXXX, and the reply on XX/XX/XXXX. 
XXXXXXXX XXXX has replied to me that there was a cash retract at the ATM at the time of my withdrawal for XXXX dollars plus XXXX dollar ATM fee. 
XXXXXXXX XXXX has told me ( in a letter ) from their Executive Office ( Mail Code XXXX ) XXXX XXXX  XXXX XXXX, OH XXXX ; to contact my financial institution which is XXXX XXXX Debit Card. XXXX XXXX deposit my Social Security payments to the card each month. 
I have contacted XXXX XXXX FOUR times now, 3 times by fax and one time through the U. S. Mail. Each time I called after sending the further proof sent to me from XXXX XXXX, but XXXX XXXX insist that they have received nothing from me. 
The XXXX XXXX ID, or Complaint number dated XX/XX/XXXX is XXXX My letter from XXXXXX/XX/XXXX is from XXXX XXXX Phone XXXX RE Executive Office Case ID is XXXX
Consumer complaint received 2018-05-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (NC)

Diversified Consultants just reported a {$510.00} collection account on my credit report. Prior to this account appearing on my report, I did not receive a 30-day notice of my right to dispute. By reporting this debt on my report without providing this notice, Diversified has violated my federal rights, as protected under the Fair Debt Collection Practices Act.
Consumer complaint received 2022-06-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was selling a washer and dryer on XXXX XXXX and a person messaged me saying they would like to purchase. They requested to use XXXX to send me payment. They messaged me again and said Dear customer, We have a problem crediting your {$600.00} USD because the status of your account is not a business user which makes your account have limits. This amount seems to be above your limit. 

To fully expand your account into a business account and deposit your funds now, contact ( XXXX ) immediately to send you an additional payment of {$400.00} USD into your account to expand your account limit. Soon as this is done, we will credit your account with the total sum of {$1000.00} USD An alert has been sent to ( XXXX ) in regards to the {$400.00} additional payment she has to send to you, we will secure this transaction with high priority that neither the buyer nor the seller will lose a dime in this transaction. I then sent them a payment via XXXX and then I received this email. 
Dear customer, This is to inform you that we have received your payment of XXXX USD which has been approved, in order to get the full total {$1000.00} USD transferred into your XXXX account, you are hereby to pay the certificate form fee of XXXX of {$500.00} USD so that we can start the processing of the funds, the certificate form fee represents the approval of your funds and also stands as insurance to your Business account, the money will be added to your pending fund and you will be credited with the total sum of {$1600.00} USD plus free $ XXXX compensation fee from XXXX. 

Below Is The Instructions : Below is the Agent XXXX details : XXXX : XXXX : * XXXX XXXX XXXX XXXX : Amount to Pay : {$500.00} USD Total Amount to be credited : {$1600.00} USD
Consumer complaint received 2022-03-06
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. (AL)

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 attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-03-06
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. (AL)

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 attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-07-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Tally Technologies (NY)

I had registered for tally line of credit and added a unsupported card on my account to get the tally limit but I never expected tally to make an payment to my card due to it being unsupported plus the payments being made were set as " you pay '' tally made the payment without my authorization but I'm trying to get the cardholders company to return the payment to my tally account but it is taking longer than usual and tally is reporting the account as late payments on my credit report... 

it is not my responsibility to correct their mistake but I have tried to get them to get the money back because I never authorized it but they refused to help me again and again.
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act, the listed accounts below has violated my federally protected consumers right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX  ) Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 


15 USC 1681 section 602 A states I have the right to privacy.

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

15 Usc 1681c ( a ) ( 5 ) section states, no consumer reporting agency may take 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 USC 1681s-2 ( A ) ( ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency it the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

RE : Complaint against USAA Federal Savings Bank ; Refusing to Allow Deposit of {$160000.00} U.S. Treasury Check Dear CFPB Representative : This is a complaint against USAA Federal Savings Bank for its problematic online-deposit policy and breathtakingly deficient service. USAAs behemoth bureaucracypersonified by its process-over-people, systems-over-service apparatushas become too big to assist a lone customer. Thus, Im turning to the CFBP for help. 

As your agency reviews this complaint, please recognize my honorably-retired-veteran status and afford any protections the CFPB might confer to similarly-situated consumers. 

Turning to the complaint, succinctly put, this is what happened. On XX/XX/21, I called USAA to ask if I would be permitted to mobile deposit a forthcoming U.S. Treasury check for about {$160000.00}. Bank employee XXXX assured me USAA could definitely take care of it [ and I ] could definitely get the check deposited. ( Attachment 1. ) But later that dayafter I received the Treasurys check in the mailanother USAA employee ( Adrianne ) gave a 180-degree different answer, saying USAAs maximum daily deposit increase limit was {$150000.00}. XXXX added that amount is set across the board ; no one would be able to raise that limit. there are no exceptions. ( Attachment 2. ) The next day, I tried escalating these conflicting answers to a member of management for what I hoped would be a short, simple call. But between the long hold time and bank employee XXXX call screening, reaching an Executive Resolutions employee took 33 minutes. ( Attachment 3. ) By then, I couldnt wait any longer. So the check remains uncashed, and Im checking with other financial institutions. Sadly, this is what its like to be a USAA customer. 

Thus, I respectfully ask the CFPB to investigate USAAs deposit policies, employee guesswork, and escalation barriers. Thank you for your assistance. 

*** Please see attached XX/XX/21 letter with enclosures.
Consumer complaint received 2018-12-18
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN FINANCING CORPORATION (TX)

We financed our thru American Financing in XX/XX/XXXX it has now been 8 months and we still DO NOT SHOW on our CREDIT report that we own a home? AF has lied even though they have been paid on a monthly basis and we are ahead on our mortgage. But they have failed to report our credit status, have lied to us for over 6 months. We have emaled, called trying to remedy their issue with not reporting to credit bureaus. Been told internal error, they selling our loan outside parties, other companies handling, but what it comes down to is that we show NO home loan, no credit history on our loan. Our last communication was XX/XX/XXXX AF is now saying it will not be until XX/XX/XXXX when they can make this issue go away. Last but not lease they indicated to me that I could call the credit bureaus myself to accounts added? What kind of low life says that? 

We attempted to purchase & take out loan for new business were denied for we can not show that we own a home, have no stability as home owners. This company has done nothing but damage our credit status. 

Amercian Financing is a fraud, after several attempt to resolve this issue we had no choice other than to start filing complaints. We want action immediatley please help.
Consumer complaint received 2022-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received an alert that an inquiry for a credit card was made in my name with Bank of America yesterday XX/XX/XXXX. I called Bank of America immediately. I spoke to Customer Service then to the Fraud department. Both departments said I had to call back again because there was no account number associated with the inquiry yet. I insisted they make a note. They still said I had to call back. I have spent more than 2 hours on hold yesterday and today, spoke last to " XXXX '' and am concerned this card is issuing. They confirmed an application was made in my name, social security number and home address but with a different telephone number. I'm concerned an account will open and that I have to continue to contact them. I want written confirmation from them that no account will be opened and confirm I have contacted them and no further action is needed.
Consumer complaint received 2022-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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
Consumer complaint received 2022-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-03-06
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. (CA)

Hello, I called and spoke to the XXXX XXXX XXXX  XX/XX/XXXX and explained to them there are several addresses on my credit report that I have not lived at and that my only address is the XXXX XXXX address in XXXX XXXX, CA and the representative didn't delete the incorrect addresses.
Consumer complaint received 2018-12-18
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. (OH)

After doing careful research reading the FCRA laws XXXX, XXXX, and Experian are in violation. Every debt that is listed in bankruptcy that shows on the credit report should say : XXXX ( XXXX ) balance XXXX in bankruptcy. That is the only designation that can appear on what is called the trade line for that particular debt. Importantly, debts that are XXXX in bankruptcy can not show anything else such as any balance still owed, in collections, delinquent, Derogatory, charge-off, or any other negative information. Again, to reiterate, any debt that has been XXXX in bankruptcy can only show XXXX balance-XXXX in bankruptcy. It appears that the " ACCOUNT STATUS '' on each of the trade lines shows : " DEROGATORY ', which violates the requirements of the FCRA. Also, the REMARKS section states " Dispute resolved ; reported by grantor '' which need to be removed for I did not authorize this comment on my credit report. I have prepared a letter to send to each of the corporate offices for the CEO 's of each  credit reporting agencies in preparation to start a lawsuit. No one should have go through this continued craziness! Please do not send me a pre-made generated letter stating you verified! This is my final attempt!!!!!!
Consumer complaint received 2022-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Acct. name - XXXX XXXX, acct. # XXXX - acct. type - CLOSED date XX/XX/XXXX, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 an account without my written consent. 

Acct. name - XXXX XXXXXXXX, acct. # XXXX - acct. type - REVOLVING / CHARGE OFF date XX/XX/XXXX, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 an account without my written consent.
Consumer complaint received 2022-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (FL)

This is a formal complaint that the company NATIONAL CREDIT SYSTEM continues to report misleading, and unverifiable information on my credit report. My first attempt to dispute the validity of this account through the three credit bureaus ( XXXX, XXXX and XXXX ) and NATIONAL CREDIT SYSTEM was on XX/XX/2021. Since then, NATIONAL CREDIT SYSTEMS has not responded to me with verifiable proof. They continuing to report a collection account on my credit report. The account number is # XXXX. They are alleging that I owe {$1100.00}. By law they are required to show me proof with original documents with the agreement showing the amount that I owe and proof that I owe them. They continue to ignore me, and I feel I am being taken advantage of. This account is hurting my ability to obtain credit and is tremendously affecting my credit score. I have not saw any proof that this account belongs to me. 

They sent me a generic paper showing the balance of the account at {$0.00} owed and on my credit report claims I owe {$1100.00}. They are obviously reporting a fraudulent account. I am not familiar with this account at all. This company has cause me so much XXXX  and financial stress. I am requesting that they delete all my information from their system and stop reporting or I will take legal action.
Consumer complaint received 2022-03-06
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: EQUIFAX, INC. (AL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.