davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have been disputing an account with XXXX since the beginning of XX/XX/XXXXXXXX  when they reported an account that was past due. This account was settled and paid off in XXXX XXXX. I have spoken to XXXX and they sent me a letter stating there was a XXXX balance. Still unresolved. I submitted a dispute through here, and XXXX came back and said the past due balance was correct. It is not. I am attaching the letter stating the XXXX balance, and the dispute resolution contradicting their first letter. I also spoke to the law office today who handled the pay off and they are emailing me a XXXX balance letter and stated that XXXX  in XX/XX/XXXX was notified the account was paid.
Consumer complaint received 2022-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital One Services LLC sold my debt for pennies on the dollar to a 3rd party XXXX XXXX XXXX XXXX without my permission a violation of the privacy act sold my name date of birth social security number first one XXXX XXXX nbr ending XXXX XXXX XXXX for {$2300.00} second one XXXX XXXX XXXX ending XXXX XXXX XXXX for {$6000.00} in addition to my privacy act Portfolio Recovery was in violation of the FCRA and within 5 days did not provide verification of debt. 


They have reported to all three credit bureaus that they own the debt as a collection and report that the accounts are seriously past due. a collection by default is past due. Ive attempted 3 times to get this removed from my credit report. most recent through the bureaus dated XX/XX/2022 with a verification of debt letter that was updated in the credit bureaus but no change and no verification sent to me. 
the credit bureaus repeatedly send to Portfolio rather than deleting the record with clear violations of the FCRA I have never done business intentional with XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MN)

The Company Synchrony Bank Lowered the Limit on my Verizon credit card from XXXX to XXXX dollars thus essentially maxing out my card. Thus tanking my score by XXXX points. I have now seen XXXX credit reports showing that I am over the limit on this card they are reporting a limit of XXXX $ but I have a limit of XXXX, and the balance on my card is XXXX thus I am not over my limit. Again this was done for no reason at all just a random act of kindness from a credit issuing bank in an effort to stop me from using a card because they fear that I am not going to pay it or what reason I have no idea..
Consumer complaint received 2019-06-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DataMax Corporation (MD)

I received an XXXX credit report in XXXX when applying for a car loan. This is when I first learned about the debt collection from a company called Interstate Credit Collection for {$100.00} from XXXX XXXX XXXX. At the time, I believed this was a debt that belonged to my father who shares the same name as me and at the time, we had the same home address. Neither my father nor I have every received any written or phone notifications from this company about the debt. I called them to obtain more information and they told me that the debt actually belonged to my father and that they would remove the debt from my credit report. I recently checked my credit report in XXXX and they are continuing to report this debt not at {$65.00}, even though I haven't made any payments to them or received any information from them. They are now using the name XXXX XXXX, XXXX. I disputed this debt collection with XXXX because I believe it is not mine but they told XXXX it was valid.
Consumer complaint received 2022-04-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Albert Corporation (NC)

On XX/XX/22, I signed up for a bank account with Albert. I clicked through my friend 's referral link, stating we would both earn {$150.00} after : -Receiving a qualifying Direct Deposit of {$200.00} or more every 30 days for 90 consecutive days.

-Spending at least {$100.00} or more on the debit card every 30 days for 90 consecutive days The attached " AlbertXXXX XXXX  shows the requirements for receiving the bonus. 
The attached " AlbertXXXX XXXX XXXXXXXX '' shows the terms & conditions, governing qualifying debit card spend and direct deposits. 
The attached " Albert_XXXXXXXX '', '' AlbertXXXXXXXX '' shows that I've met these requirements within the terms & conditions. 


I reached out on XX/XX/22 about not receiving the bonus, and received a canned response, shown in " AlbertXXXXXXXX XXXX', '' Albert_XXXX  '', '' AlbertXXXX  '' Despite all of this I'm receiving an apathy toward researching the matter. I'm hoping by filing this complaint, that the issue can be taken seriously, and that my friend and I can receive our bonuses.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines the acceptable reasons for obtaining a consumer report. The unauthorized inquiries do not fall under any permissible purpose.

15 U.S.C. 1681q - Obtaining Information Under False Pretenses : Obtaining a consumer report under false pretenses is illegal.

15 U.S.C. 1681i - Procedure in Case of Disputed Accuracy : I am disputing the accuracy of these inquiries and requesting their removal.
Consumer complaint received 2019-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

I need your assistance with US Bank Home Mortgage. I acquired the mortgage ( $ XXXX, XXXX ) through XXXX and it was sold to US BANK Home Mtg. The current status of my mortgage ( outstanding principal $ XXXX ), home is insured through XXXX and they estimate its value at $ XXXX. I have been paying PMI since XXXX. In the past few years I have been questioning why I am paying PMI ... .US Bank continues to ask for {$500.00} to appraise the home and do not give me the magic number they are looking for ... .just continue to press for the {$500.00}. Since I have been inquiring about PMI, the payment has miraculously dropped from {$87.00} ( XX/XX/XXXX ) to {$48.00} ( XX/XX/XXXX ) .with no explanation. 

Their customer service is such that you get passed from department to department, in a variety of states. I need help in getting the PMI totally removed from my mortgage and a REFUND of PMI for the past year. 

I have written numerous times, and telephoning is quite frustrating as there are so many people that I speak to and they all say different things. 

please help
Consumer complaint received 2022-04-03
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. (LA)

A XXXX account was reported on my credit report on XX/XX/2021. I never opened an account with XXXX. When i contacted XXXX  in regards to the open account, they were unable to verify an account with my name located. I then contacted Transunion, and was told that theyd send a email to XXXX  for verification. After weeks have gone by, XXXX  is still unable to find that account that is reported to my transunion account and transunion has still failed to delete the inquiry, causing a major effect to my report.
Consumer complaint received 2019-06-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I have been struggling for years with Navient to lower my payments to something I can afford in regards to my private loan. I have managed to work with them after 4-5 years and using ALL of my forbearances to get in their what they call rate reduction program. At one point, they even XXXX up my payments during the program. Now my payments are going up. And they say it is to match what was on my promissory note. I went from paying XXXX  something, to XXXX and change, to now XXXX for the next 6 months and I am afraid I will not be eligible for their program. When I went to renew, I wasn't even allowed to use a forbearance because they made me use them all in the course of the 4-5 years I argued with them to lower my payments because I could not afford almost XXXX a month after I graduated and didn't have a job. I have also tried to get my father released as a co-signed as he is XXXX and does not work and the only income he has is his SSD. I have  countlessly explained this to Navient AND made on time payments using the rate reduction program and they said he can not be released but i have proven to make payments ALONE without his help and I don't want them coming after his SSD.
Consumer complaint received 2022-04-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Experian is the only bureau reporting a bankruptcy but the other two bureaus are not. I did dispute this matter directly to them but they failed to get back at me in a timely manner. therefore they were obligated to remove it from my file.
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: FIRST ADVANTAGE CORPORATION (IA)

First advantage and XXXX shared and or reported negative information more than ten years old to prospective employers which in turn lengthened to job application process. In speaking with both companies that communication was uneventful and returned no positive results.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing XXXX such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

A derogatory record appeared on my account posted by CBNA indicating a card over limit. I do not have any cards with CBNA and none of my existing cards are over limit. 
The credit report is posted incorrectly and must be removed from my credit reports immediately.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX & Equifax are incorrectly reporting the account listed as XXXX XXXX XXXX This account has not been validated as accurate because what evidence was used to verify this account as belonging to me. I have no obligation to this company and there is there is no contractual agreement between them and I. XXXX & Equifax are required by federal law to report accurate information and they are not. Furthermore XXXX & Equifax are securitizing this report to make money from the sell of my personal information and this is not authorized since I gave them no permission to profits my the exploitation of my personal data. This has caused me serious harm since this is a collection and is intentionally intended to harm my character and consumer file. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

n accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2019-04-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IA)

Beginning XX/XX/2019 I was in phone call with lending service company OCWEN Loan Servicing.  The person on the phone specifically told me they had the Modification Application. Additionally told me the application had been reviewed and awaiting an answer. I then requested to speak to a " Relationship Manager ''. 

I received the call from the Relationship Manager on XX/XX/2019, where I was informed they in fact did not have the application only paystubs supporting income documentation. 
I at that time had to escalate my call to a supervisor to inform of this as it became a delay in the process of preventing foreclosure. And for the entire situation to be investigated internally. At this time I am uninformed as to whether forclosure is moving forward or if the application which they now have has placed a delay or stop to pending forclosure. 
Since the last call their system has been making attempts to call me when I answer the phone they hang up. 

Additionally, They refuse email service to send information which is what I require as I travel on business 330 days of the year, at times in other countries which becomes unfair practice, as I do not receive USPS mail in timely manner.
Consumer complaint received 2019-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY ()

Hello, since 2013 I have a savings account and a checking account, at Wells Fargo Bank. I live in XXXX XXXX, XXXX. My address information is loaded there. To save commissions, I requested that my checking account be closed and nobody warned me that if I did that I could not use my money because the debit card would be discharged. Now I am in XXXX I can not withdraw money or collect money and I could not pay to XXXX. I want to reopen the account but they tell me that it is personal that I must travel to Usa.
Consumer complaint received 2016-05-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

Loan servicer is Bayview. I 've been in my home for 12 yeasts, & Bayview has been the servicer for several of those years. I have had a modification done, but my loan balance is just as much as it was when I purchased the loan. When they received the loan, the balance was almost {$10000.00} less than it is today. The interest rate is still 3.00 %.
Consumer complaint received 2022-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (VA)

XX/XX/2022 - I phoned BSI Financial Services Customer Service to ask them if sending my mortgage payment earlier than the due date would save me any money in interest charges. The BSI agent insisted that I would not save any money, but she kept referring to the 'Grace Period ' which occurs after the due date. I knew that the grace period had nothing to do with what I was asking about. I asked the BSI agent if the mortgage interest was compounded daily, and she responded that the interest is compounded daily. I then asked her how it was possible that if I paid the mortgage 10 or 14 days before the due date that I would not save on compounded daily interest. The BSI agent responded that the mortgage interest will be the same no matter when I pay it.

Again, I asked the agent how paying early did not affect daily compounded interest ; the BSI agent again referred to the Grace Period.
Consumer complaint received 2019-04-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: General Service Bureau, Inc. (NE)

I continue to get robo calls from General Service Bureau to my CELL PHONE number. I do not know this company, I don not owe any money this company and I did not give this company permission to call my CELL PHONE with the use of an automated dialer. The TCPA prohibits companies from using automated dialers to call CELL PHONES. Of the 20+ calls I have received from General Service Bureau on my CELL PHONE with their automated dialer, not one time has a person been on the line. All 20+ calls, I hear a serious of beeps for 10 seconds then a hang up. When I call the number back they put me on hold.
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (LA)

I have reached out since XX/XX/XXXX regarding my inability to make payments due to divorce, death of parents and that finacncil responsibility as well as getting XXXX 3 times but to no avail no reply. Fast forward to XX/XX/XXXX. I was served sheriff sale papers by the local sherrif regarding the property but Mr Cooper has denied me several times for help towards my mortgage. I am a single mother with a XXXX XXXX XXXX son who has a career as a XXXX. The household income was decreased due to the divorce and I receive no support from the ex husband. I have asked for the loan to be modified or refinanced in order to lower payments to make them more affordable. At this point, I can not recieve any assistance for mortgage help with XXXX XXXX. I hired a company to try to reach out on my behalf that also called Mr Cooper out on their unfair practices in XX/XX/XXXX. This has been a nightmare. My son and I have no where to go. Mr Cooper and its private investors are aiming to put me and my son on the street. This has negatively affected my credit and I can not seek financial help to save my home.
Consumer complaint received 2022-04-03
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: CBC Companies, Inc. (IL)

I had items stolen form me and filed a police report as well as a FTC report letting everyone know that I was a victim of ID theft. I tried getting the information off my reports but XXXX and XXXX refused.
Consumer complaint received 2022-04-03
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( Original creditor 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 XXXX 

15 U.S.C.1681 section 602A.. States I have the right to privacy.

15 U.S. C. 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.