davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BB&T CORPORATION (AL)

The complete an utter failure of this banking institution has caused me to almost lose the house I was trying to buy. The lack of communication between the customer ( me ) and the lender ( BB & T ) was disgraceful, unprofessional, and tiresome. The inner workings of the employees of this institution are not at a professional level and no one was eager to help or answer questions related to the loan itself. Here is 2 different timelines from myself and my realtor about what happened : XXXX XXXX - purchase contract sent to XXXX XXXX @ BB & T XXXX XXXX - first response from BB & T and confirmation of receipt of contract XXXX XXXX - emailed BB & T for an update, no response XXXX XXXX - emailed BB & T for an update, no response XXXX XXXX - emailed BB & T for update, received response with notification we will not be closing on time XXXX XXXX - the contract closing date. As of today we are still unaware of the loan status and I have not been notified from anyone at BB & T with an updated closing date. 





XXXX/XXXX/XXXX -- -XXXX received prequal application after filling out application XXXX/XXXX/XXXX -- -I called XXXX several times between XXXX and XXXX to find out about the application. After several calls I never heard from XXXX so I reached out to my friend to find out an update from him ( This friend recommended XXXX to me, very highly ). Then I got an email from my friend with the prequal approval attached and not from XXXX. WHICH SHOULD HAVE BEEN A HUGE RED FLAG. 

XXXX/XXXX/XXXX -- -Received loan disclosure package and reviewed and signed all documents and paid all fees that day Between XXXX there has been a giant lack of communication between XXXX and myself and my realtor XXXX. I would say countless phone calls from myself and XXXX along with many emails from XXXX and myself as well went unanswered for days if not weeks. Until finally it got into XXXX XXXX hands on XXXX/XXXX/XXXX. She was I guess more helpful than XXXX and I continued giving more paperwork regarding my application that the underwriter needed in my case. 

At this point in time we still do not have a definite date of closing from XXXX or XXXX and I am asking that this loan be pushed through or an explanation of why the ball was dropped on this whole case. 

I would also like for BB & T to not charge me the fees associated with the origination of this loan BC I do n't think you have earned it, or a 1 % drop in my loan whichever is greater.
Consumer complaint received 2018-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (IA)

I got behind on my XXXX Credit Cards. I have 4 of them. They have called me 14 times since this morning starting at XXXX. I have told them that I will be paying them off in full soon. They wanted to know how. That is none of their business as long as they get the money. In the meantime, I would like for them to stop overly excessively calling and harassing me.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I graduated from college in XXXX and in XXXX the school went under and lost their accreditation for doling out high interest rate loans. When the school lost accreditation, I worked with Navient to try and pay this off while clearly struggling with payments to no luck. Hoping someone can help me sort through this! I hate how they will offer absolutely no resolve and instead hot potato you to different departments. I'm so underwater with payments for a school that got punished for these loans, myself getting punished by these loans, and not one ounce of consequences for the loan companies.
Consumer complaint received 2020-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am an authorized user on XXXX XXXX account # XXXX, a credit card with a {$3500.00} limit and very low balance. 

This company is not reporting a credit account with a good payment history, low balance, and high credit limit, which adversely lowers my credit score preventing me from obtaining new credit accounts and purchasing a home, Failing to report that I have other credit accounts that are in very good standing very good credit worthiness is a violation of my consumer rights and an unfair credit reporting practice.
Consumer complaint received 2020-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX  XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX  XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ARE FRAUDULENT INQUIRIES. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. 

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer
Consumer complaint received 2017-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I am unable to sign up for Equifax 's TrustedID Premier service using the link provided via their email. The link repeatedly and consistently redirects to a " system unavailable '' message instead : https : //trustedidpremier.com/consumer-registration/html/system-error.html I 've called Equifax at XXXX and was instructed to " keep trying to enroll '' at different times of the day, before going to bed or early in the morning. I was also advised this website is the ONLY WAY to sign up for the service. I was not offered an offline or manual way to enroll into Equifax 's TrustedID Premier service. 

First, Equifax collects and profits from my credit information. Second, Equifax fails to protect my personally identifiable information. Finally Equifax offers one year free identity protection service as mea culpa but I CAN NOT SIGN UP FOR THE FREE SERVICE. This is not acceptable and no one is being held accountable for the massive failures and errors here.
Consumer complaint received 2017-10-08
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. (NY)

I pulled my credit report recently to discover XXXX XXXX had reported to all 3 credit bureau 's my account was deregulatory and/or over 30 days late as of XXXX-17 my account has been in good standing & current with all payments.
I requested a written validation letter, never received it & I also spoke with customer service at XXXX XXXX they informed me all reporting to credit agencies would be changed and updated right away due to my account being in good staying and current to date.
I wrote to all 3 credit bureau 's requesting this corrected on my reports, the error was never verified or validated in written.
Consumer complaint received 2017-12-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (CA)

The following statement consists of the information on the matter of the XXXX XXXX  account that we have gathered so far. 

After the statement there will be a few items we would like you to address. 

The XXXX XXXX statements that were emailed to us lists our address as a p.o. box address in XXXX XXXX S.D. However, we have never lived or even visited XXXX XXXX S.D. When we looked further into that p.o. box online we discovered an additional p.o. box in XXXX V.A. we were also unaware of. When we researched the new p.o. box we discovered an unknown owner that shared the p.o. box in XXXX and owned another p.o. box that shared a close proximity to the XXXX XXXX p.o. box. 

We have never received any statements prior to those you sent, upon request, thus we had no prior knowledge of the account until your company called. 

According to XXXX XXXX, payments were made from XXXX, XXXX through XXXX, XXXX, with payments ending on XXXX, which corresponds with the information you provided. However, our bank has no record of either themselves or us, the account holders, stopping the automatic payments. 

Additionally XXXX XXXX shows payments being made on XXXX and XXXX of XXXX but there is no record of payment for those two months in our bank records. 

Finally, XXXX XXXX states that the payments should have been XXXX XXXX dollars but the office depot statements you emailed to us only show XXXX XXXX dollars as payment due. 

In conclusion we have several requests for you to look into. And they are as follows. 

1 ) We request a list of all purchases made since the opening of the account in XXXX till the last purchase made in XXXX of XXXX. 

2 ) Find out why the account was closed and who authorized the closure. 

3 ) What is the location where the account was activated in XXXX.
Consumer complaint received 2017-12-02
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I submitted a complaint previously. Please refer to XXXX # XXXX. Please note all documents have previously been submitted to CFPB. 
Neither financial Institution XXXX XXXX or Citizens Bank have resolved this issue to date. Two insurance checks were stolen and the funds have not yet been returned to me. The individual that stole the checks have basically gotten away with fraud and thievery.
Consumer complaint received 2021-02-08
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: NATIONS DIRECT MORTGAGE, LLC (LA)

I was on a deferment plan that was approved for XX/XX/XXXX to XX/XX/XXXX due to me not working due to COVID19. Somehow, Nations Direct Mortgage reported me late on XX/XX/XXXX. I have attached my mortgage statement for that time period.
Consumer complaint received 2020-04-08
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: Experian Information Solutions Inc. (FL)

I am an authorized user on XXXX XXXX account # XXXX, a credit card with a {$3500.00} limit and very low balance. 

This company is not reporting a credit account with a good payment history, low balance, and high credit limit, which adversely lowers my credit score preventing me from obtaining new credit accounts and purchasing a home, Failing to report that I have other credit accounts that are in very good standing very good credit worthiness is a violation of my consumer rights and an unfair credit reporting practice.
Consumer complaint received 2017-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (SC)

EXPERIAN SCAM:  Experian is advertising on TV to visit Experian.com/scan to get a FREE deep web report to see if customers have been compromised after their data breach. I researched to ensure it was actually the Experian web site and confirmed it was Experian.

I accessed the site, entered my email address and clicked Scan.
In less than 1 minute I received an email from Experian (Experian ) stating that I had indeed been breached.

Copied email below:

We've scanned the Dark Web for your email address. This is what we've found. 
You and your information are at risk if your email address is compromised. This scan of the Dark Web will show compromised instances of your email address, which may put your identity at risk.

	View your report
XXXX 
	Report expires in 10 days

I tried to paste a screenshot of the results but this textbox will not allow the paste. 

The scan produced no useful information. Experian is trying to sell a service ($XXXX per month) for credit monitoring.  It was a sales pitch to make money off of the millions of people exposed due to their incompetency.
 
I am outraged that my personal information has been breached by Experian, the XXXX, XXXX and the list goes on. Cyber-security is not a new concept. The DoD, NIST (https://nvd.nist.gov/800-53/Rev4), and other technology standards groups, have created and published security controls in detail on multiple government web sites. There is no excuse for any company or government agency failing to protect the most private information of the people they serve.

Please take action to address the Experian issue and forward my complaint, the information I provided in the Action Requested section, and the screenshot, if needed, to any other agencies you feel could further address my complaints in general.

Thank you,
XXXX XXXX
Consumer complaint received 2022-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

I've been banking with Atlantic union bank for several years and didn't think that they would not have my back. I filed a fraudulent claim XX/XX/XXXX for a deposit that was sent for a home that I never received for {$1000.00}. I even filed a police report to try to get some explanation. The bank simply denied it less than a week indicating " no error occurred '' and I'm baffled. I contacted the bank and the same explanation abt " not having a recourse '' for this claim. How do I know my money is safe in a bank when they don't help me in my time of need?
Consumer complaint received 2018-01-11
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: Midwest Recovery Systems (TX)

Previously filed a complaint and requested a debt validation- it has been 30 days and the company has yet to be able to validate the debt.

Per 809. Validation of debts ( 15 USC 1692g ) the company is in violation. Please delete from all 3 credit bureaus immediately.
Consumer complaint received 2017-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (WI)

My Daughter XXXX XXXX and I have been trying to work with Cross Country Mortgage trying to resolve an escrow issue that I do not have the responsibility for paying. I signed a note that said my payment was to be {$570.00} per month. Then shortly after my payment went up from that amount to {$580.00}. I do n't understand why. Also, my mortgage company never paid my insurance escrow. So they put forced placed insurance on my loan due to their negligence of not ever paying my insurance company XXXX XXXX. I have never missed a {$580.00} payment since I began paying 2 years ago. They are now trying to collect {$2000.00} from me due to their negligence. I have never been without hazard insurance. My daughter faxed in my insurance information to them several times to show that I never had a lapse, and we spoke with XXXX XXXX and they also faxed it. Cross Country has ignored the paperwork. This has not helped. My Daughter spoke with the CEO of the company. That has not helped. Now they are reporting mortgage lates on my credit report lowering my credit scores. They have also sent my loan to loss mitigation. I have tons of loss mitigation letters that they keep sending. They have refused to rectify this situation from the beginning when I first bought the house. My insurance XXXX has also indicated to Cross Country Mortgage that I have never had a lapse in coverage and faxed in proof several times. If I ever did have a lapse, it was due to the Mortgage Company never paying for my escrow account. If I have a lapse now, it is as a result of Cross Country not paying my escrow account again. Again, they refused to remedy the issues. Instead, they keep trying to collect the money from me. It is n't my responsibility to pay.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have requested that XXXX, Transunion and XXXX remove the following collections without success. 

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

XXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX & XXXX : # XXXXXXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Talked to XXXX and reported that my info was compromised with XXXX XXXX. I never apply for money over internet nor give my social
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The credit card issued by Capital Bank has installment monthly payments that have been made on this account and setup by me, but have not been satisfied as yet. I am requesting once payments have been satisfied. That this account listed with all 3 credit bureaus, be undated to a Paid in full status/ account closed, also any damaging derogatory remarks listed on my credit file are removed, including this account being listed in charge off status and all prior and current monthly late payment reporting as late or missed. If you are unable to do so, A PAY FOR DELETION of this account would be fine. Please note that this account is severely damaging my credit report and hurting my chances in the future with creditors. Just as negative or missed payment information is reported monthly. The bureaus have stated that a creditor can also update an account status by reporting it and any other revised information to a positive status as they do when reporting negative information. Please acknowledge my request as I am approaching the end of my installment payment agreement. Next payment in the amount of {$100.00} is due on XX/XX/21, next payment {$100.00} due on XX/XX/21, next payment {$100.00} due on XX/XX/21 and Final payment is due on XX/XX/21 in the amount of {$79.00}.
Consumer complaint received 2017-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (HI)

XX/XX/XXXX my Equifax report was wiped clean. a glitch in their system removed everything and was later reinserted. They did not provide me with a 5 day notice it was reinserted on my report. And I know that 's they 're supposed to do this before reinserting anything! I want everything that is negative to be removed from my report! I am giving y'all 15 days to get this handled! I have proof that everything was deleted! I will be adding that to my complaint! I also contacted the. About it and they said I had no file just only three accounts that were readded. And they do record phone calls.