davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: U.S. BANCORP (TN)

I have some concerns, USBank Wealth Management product offered, secured against my own cash, and using the elite product offered, after 1 month of use I suffered from a 95pt credit loss. Looks like the liquid assets line of credit, had posted. Its reported as other vs equity line or remarks for adding secured Is there anything the bank could do to work on how it reports?

1. Liquid assets presentation 2. The loan policy on the product 3. Signed liquid assets line of credit agreement 4. Benefits Brochure of the product there have been multiple clients, 2 clients also that have this locally.
Consumer complaint received 2021-08-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

XXXX OF 2021, XXXX OF 2021, XXXX OF 2021. I ASK ALL THREE CREDIT COMPANY, EXPERIAN, XXXX, XXXX..TO REMOVE XXXX XXXXXXXX XXXX  ACCOUNT ENDING IN # XXXX AND XXXX XXXXXXXX XXXX ACCOUNT ENDING IN # XXXX. I HAVE LETTER STATING THAT THEY AGREE TO REMOVE THIS ITEMS AND HAS NOT.. THE ATTACHMENT IS BELOW ...
Consumer complaint received 2020-09-21
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. (AZ)

On XX/XX/2020, two months ago, I sent a letter to Equifax and XXXX XXXX XXXX, asking for validation and verification of a debt that was reported on my Equifax credit report. Equifax has been very good, for the most part, at investigating my fraudulent accounts, and in fact, they have removed around 8-10 negative credit items leaving me with three remaining. One of these is from XXXX XXXX XXXX ( also sometimes called XXXX XXXX XXXX ). In all this time, I have yet to receive any information at all about this debt from the Creditor, and yet, despite my disputing this item and giving reasons why on every credit report I have ever received from Equifax, the item remains on my account. In addition, I find it curious that with only three negative items on my report, my credit score is still in the " Poor '' range. This month, I was forced to sign up for an independent 3-bureau monthly credit reporting service and learned the truth ; that this XXXX/XXXX account has been reported as a charge-off 46 times!!!! As far as I know, you can only charge off an account once! I am infuriated and plan to also file a complaint with the FTC as well as sue Equifax in federal court. No wonder why my score is so low!
Consumer complaint received 2018-07-16
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. (MO)

The credit reporting agencies are continuing to report these accounts inwhich has not been physically verified but only told by an agent of the company that the account is mines, however according to FCRA, them accounts need to physically verified and the consumer needs copies of such documentation.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, OH, XXXX Please see attached the debt validation letter and the cease and desist that was sent to XXXX XXXX back in XXXX. XXXX XXXX has failed to send any form of validation after it was requested by I, XXXX XXXX, the consumer who is in fact a natural person, original creditor, lender, executor, and administrator. XXXX XXXX has also chosen to disregard the cease and desist which was sent to them. I, XXXX XXXX, who is the consumer and original creditor am the only one who is able to validate this alleged debt as said so by congress under the FDCPA, 15 USC 1692g. Both XXXX XXXX and Experian has and continues to invade my individual privacy, as congress has said so under the FDCPA 15 USC 1692 ( a ). There is no law that says a debt collector or consumer reporting agency MUST report any information to a consumer report. The law DOES say under 15 USC 1681b that a consumer reporting agency can only furnish a consumer report in accordance to written instructions by the consumer to who it relates. I, XXXX XXXX did not give neither XXXX XXXX or Experian any consent. No consent is identity theft. This is a communication and final notice to cease and desist and pursuant to 15 USC 1692 ( c ) ( c ) ( 2 ). I am invoking my specified remedy to : 1. XXXX out the balance of this alleged account.

2. Delete any and all references to this alleged account.
Consumer complaint received 2021-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I applied for bearance during covid and approved for 12 months which was ended on XX/XX/XXXX. I elected for forbearance and loan modification offered by Bank of America and I applied for it ( who was my original lender for 20 plus years ). Initially I was asigned a loan officer for the file for the first two months ( Ms. XXXX ) and everything went well ( loan application was sent, completed and was send for underwriting ).

But without any reason given my loan officer was taken form from the file and my file was handled by pool of representative who were working from home until XXXX. I tediously followed up on every request and fullfill them. Unforfunatelly this folks from home never had full excess to bank of America and always were vague or incoherent in following ... with excuses inludes lost electric, baby sitting etc. Finally, On XX/XX/XXXX a young lady on the phone indicated the file is approved and there sending the document out to me for signature. I waited for two weeks and nothing came. I called back and got another guy called XXXX, shocking he said no documents were send out and the file is still and the underwring but acknowledge that the representaive conversation on XX/XX/XXXX saying file approved and docs out. I ask for the supervisor but he promise to get all of them because of the seriousness and revert back in two hours. Three days passed and no call came. I called back again on XX/XX/XXXX and this time I got account manager on the line but this time something strange happened. Since I filed for bankruptcy on XXXX and closed on XXXX and reopened for some technically error by the judge ( which was acknowledge in writing ). He indicated that he needs athorization from banckruptycy lawyer to talk to me, I have indicated that authorization given and thats the reason everyone was talking and emailing and mailing me stuff. He indicated that was missing now and needed another one .I feels this was done to cover ups their scam and scruplous activities. anyway my lawyers immdiatttely send another aurhorization. To my suprise another account manager XXXX from texas told me today XX/XX/XXXX that he apologies for all errors and shortcomings but I needed start another application which he going to send. I told him I am appalled and shock to hear on that but will accept the application without prejudice. I even paid few months in betwen the forbearnce in good faith. My house is worth XXXX XXXX and I have XXXX plus in mortgage. I am worried and concern bank of American might be engaging in some fraudulent scam practice with their customer. I am also going to file the same with attorney general office.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX has been reporting incorrectly for a car loan that was established in XXXX and was included in my Chapter XXXX bankruptcy in XX/XX/XXXX and discharged in XX/XX/XXXX. They are reporting it as 11 charge-offs and transferred to another lender. This is greatly effecting my credit score which I have been trying very hard to re-establish. I have tried on a few occasions already to dispute and have corrected by the credit agencies and the lender. This needs to be rectified immediately.
Consumer complaint received 2020-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC. (OR)

On XX/XX/XXXX purchased a XXXX XXXX XXXX for {$14000.00} Exeter Finance is the lender, payments of {$370.00} per month Had total of 6 months deferred payments since XXXX. Shows late fees for this year of {$25.00}. Balance still due is {$5400.00}. Was given a 10 day payoff on XX/XX/XXXX for amount of {$5700.00}, since XX/XX/XXXX made {$900.00} in payments, that only reduces pay off by {$340.00}. 
This account is at its mature of the loan .... Interest 23.99 % I feel there are additional fees that I am unaware of and that if that is the case they exceed the federal limit of 18 %
Consumer complaint received 2021-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

I've had my PayPal account closed and my balance of {$18000.00} has been frozen for 180 days. I have not been provided with a reason for this by PayPal. They limited my account on XX/XX/XXXX and requested documents from me. I provided these documents on XX/XX/XXXX. There was also a request for an explanation of the use of my account, but before I could respond to this, I received an email saying that they have closed my account. They did not allow me to provide an explanation of the use. 

I use the account to send money to my friends, as well as with my casino accounts where PayPal is an option in the cashier. 

I haven't broken any of their terms as far as I'm aware and they haven't told me what I've done to cause this to happen. I can't believe it's legal for them to take my money away. Can you please help me.
Consumer complaint received 2020-05-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FEARON FINANCIAL LLC (NY)

On XX/XX/2020 I applied for a mortgage through Keller mortgage located at XXXX, OH. 
As with applying for any loan, I submitted all legal and confidential information. I immediately made plans and flew to Florida to locate the home that is right for me. I found a home and my realtor made an offer on same with the said pre-approval. I have a copy of my pre-approval from Keller Mortgage. The sellers approved my offer and I Immediately applied for the mortgage to purchase said home. I was then advised on XX/XX/XXXX by XXXX XXXX of Keller mortgage that I have been denied the mortgage. I was confused as I had received a pre-approval previously through the same company! 
Upon trying to understand why and how this could happen I was not provided with any reason. No professional reasoning for same. I was very confused and disheartened as I had provided this company all my private information, had paid to fly to Florida with this pre-approval in hand and wasted much time to be denied without reason. Mr. XXXX has been of no assistance at all to say the least. He has been unprofessional and not supplying ample reasoning for the denial. I met every criteria for this approval and now have to start all over after all this time to apply for another mortgage. I am confidant it is through no fault of my own for this denial. The house I was purchasing was less then what I applied for with the pre-approved mortgage, I meet the income criteria for same as well as hold an excellent credit score. XXXX XXXX has ruined my buying experience for my very first home in Florida. I did some research after this traumatizing order and I can see Keller Mortgage has many negative reviews that have suffered through same. As a XXXX XXXX for over 20 years, none of this made any sense to me or other mortgage instistutions I have consulted. While this has been a trying time for me with the unnecessary waste of time and money as well as lack of professionalism on Keller Mortgage and XXXX XXXX, I am extremely concerned and uncomfortable since this unprofessional company and unethical mortgage banker has all my confidential information.
Consumer complaint received 2017-08-08
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (NJ)

Dear CPFB, Please reference : Complaint # XXXX ( Submitted XX/XX/XXXX ; Closed, XX/XX/XXXX ) SIMPLE Bank offered {$100.00} compensation in closed complaint on XX/XX/XXXX, but no compensation has been received by XX/XX/XXXX. I feel that 30 Days after complaint was closed was sufficient time to send the {$100.00} compensation that was promised. However, in the closed complaint, they did not specify a date as to when they would send the {$100.00} compensation. From SIMPLE in the closed compliant : To acknowledge the issues that you faced and to show our appreciation to you for the time you were a customer with Simple, Compass will be sending you a gift card in the amount of {$100.00} to the address that was listed on your account.
Consumer complaint received 2020-05-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (VA)

Around three months ago I attempted to trade a vehicle. I backed out of this transaction, but not before the dealer paid off the loan. The account was closed for approximately three months, before being re-opened without any notification to myself. I had initiated this process, and was advised that I would be told when the account was returned to a normal state. Ever since I have been fighting the finance company to remove late fees and correct the balance so I can accurately settle the account. The information I give them never goes beyond the customer service rep I speak to, and written communications in their portal go for long periods without reply, and when they do finally reply there is again no action being taken. I don't know what else to do besides submit an official complaint, as my attempts to correct this with the company have gone nowhere for two months now.
Consumer complaint received 2021-01-25
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. (AL)

In XXXX and XXXX of 2020, I disputed a unverified collection item, XXXX, XXXX Account number XXXX, with this credit bureau and as of today, I have not received any response from them. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to this bureau in XXXX of 2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove thisUnverified collection item because of the Fair Credit Reporting Act that states 30 days of investigation response and the item should have been deleted or verified. thanks
Consumer complaint received 2021-07-19
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB Corporation (PA)

On XX/XX/2021 I sent a dispute validation letter, cease and desist letter to USCB Corporation. Under 15 USC 1692 C ( c ), 15 USC 1692 C ( c ) ( 2 ), 15 USC 1692G this company is in Federal Violation and did not follow the proper guidelines under the Fair Debt Collection Practices Act.
Consumer complaint received 2020-05-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (WA)

I just learned from my healthcare employer that I will be furloughed. Same day, I called my service provider, United Wholesale Mortgage, to learn what my options would be should i need to request a forbearance. My loan if backed my XXXX XXXX. UWM told me that XXXX XXXX offers no provision under The Cares Act to tack on any payment missed while in forbearance due to the pandemic ( UWM operator # XXXX ). They said there were no guidelines that allowed them to do that. I then asked for the guidelines. The operator could not provide any information and had nothing to offer clarity, except that what they were told was that tacking forbearance payments onto the end of the loan was not an option. But I looked at the provisions allowed by XXXX XXXX and a tack-on to end of loan is allowable. I explained that to the operator to no avail. The operator then told me that if I elected forbearance, all would be due at end, that I would be delinquent if not paid upfront, and an option was a payment plan ( up to 6 months ) that would run parallel to mortgage payments once I was able to resume. Another option, she said was to request a loan modification and then she told me that the interest rate could be higher, terms longer -- up to 35 years.. This last bit sounded like a huge amount of extra money for the service provider based on a limited # of missed payments. I would like my mortgage servicer to clearly outline the options for those requesting forbearance due to coronavirus layoffs/furloughs, as I believe the XXXX XXXX option is either not known to them, or they are willfully disregarding it. Either way, the options provided by the service provider will cause people to lose their homes with no way to make-up huge lump sump payment. This was not the intent of The Cares Act. Please help them understand the options. I work for XXXX XXXX XXXX in XXXX, WA. We are considered a hot spot and the epicenter of the breakout in Washington state. I am shocked to have to face a furlough but more terrified to think I could go delinquent on my mortgage ( only 8 months into it!! ) and lose my house.
Consumer complaint received 2020-11-19
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. (CA)

Equifax continues to report an account with XXXX with a balance of {$40000.00} since I only see it on XXXX XXXX it does not report an account number. It shows I was an authorized user which I was unaware of anyone placing me on this account. This is not mine and it should not be listed on my credit file.
Consumer complaint received 2023-01-31
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. (FL)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

I already reached out to the credit bureaus and to Fifth Third Bank, and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.