davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XX/XX/2020 : Refinanced my mortgage and funded on XX/XX/2020. Bank of America was paid off. 

As of XX/XX/2020 : 29 days after loan funding, Bank of America has not issued the escrow refund check per Reg X 1024.34 : Except as provided in paragraph ( b ) ( 2 ) of this section, within 20 days ( excluding legal public holidays, XXXX, and Sundays ) of a borrower 's payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicer 's control. 

Have been on hold for over 1 hour and sent messages to Bank of America requesting assistance. Still on hold of no response. 

Bank of America removed online access to statements and documents from my old mortgage on XX/XX/2020 so I can not self service or view my former loan like their XXXX encourages me to do.
Consumer complaint received 2020-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (PA)

I was recently informed of fraudulent accounts on my credit report and these are causing financial difficulties/hardships due to the negative effect to my credit report I have recently disputed other fraud that was detected and the items were removed. However I have just noticed more that recently popped up.
Consumer complaint received 2017-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Recovery Consultants, Inc. (FL)

this debt is showing on my XXXX credit report its not mind this account was opened in ohio i NEVER been or lived in ohio, i called them and wrote them and they still can not find proof its mind there causing harm to my name and credit report they dont even have my correct social XXXX
Consumer complaint received 2017-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, National Association (TX)

My account is es crowed with NYCB and I see a significant delay in paying my home owner insurance payment. Two months back I have opted for new home owner insurance policy, informed bank about it and I made couple of call to inform them about my new insurance premium payment. Insurance agent sent them invoice but bank never paid them. I have received a cancellation notice from insurance company, I called bank on XXXX XXXX 2017 to inquire about the payment and they admitted they never paid it ( my online account says they paid premium but it was not the case ) but there a confusion from their side ( not sure what it is ). When I asked them did they get cancellation notice from insurance company, they said yes as they got it on XXXX XXXX 2017 then why did n't they act immediately? why are they waiting until I call and let them know about missing payment? I call them on XXXX XXXX, they initiated payment on XXXX XXXX ( online account says disbursed on XXXX XXXX - false details ). Today is the last day insurance company would cancel my policy if they do n't receive payment, I called bank, CSR says we need allow 7 days to deliver the check, and CSR assumes it will be delivered and insurance would reinstate the policy, who is responsible if payment is not made by end of today? what if damage happens over the weekend? Bank put me corner and I was in scary mode now, surprisingly second time happening this to me like this as Title company never paid premium amount to insurance for which I lived in home for 7 months without home insurance and no one took responsibility about it. Always CSR speaks something not sure it is recorded they assume a lot but they do n't take responsibility, they give robot type answers, not allowed me to speak to their manager when needed. But CSR gave random answers, different CSR 's give different answers. I 'm worried and I see negligence from bank.
Consumer complaint received 2022-04-06
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. (IN)

In accordance with the Fair Credit Reporting act the following creditors have 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 an account without my written instructions. 

Account # 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 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
Consumer complaint received 2021-09-17
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: EQUIFAX, INC. (GA)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2020-11-27
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (SC)

It has recently come to my attention that your company has placed an inquiry on my credit report. I would like to exercise my right under section 809 of the 1972 FCRA. It is my right to request that YOU send me proof that I authorized your company to check my credit on XX/XX/XXXX. Please provide me a copy of a signed credit application and documents showing I specifically gave your company the authorization to review my credit. 
If you can not provide me the requested proof within 10 days I request that you immediately DELETE this item from my credit report. Please note any templates, or off subject information letters will be taken as an avoidance tactic by your company. 
Please attach a document on your company letterhead stating your findings and result of deletion of this inquiry along with Confirmation Deletion Request Number.
Consumer complaint received 2019-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.
Consumer complaint received 2020-11-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT BUREAU OF FARMINGTON, INC (NM)

XX/XX/XXXX I Left my apartment located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NM XXXX when i received the charges from leaving the apartment I noticed the amount owed was completely incorrect. I was being wrongfully charged, so i decided to reach out & dispute with the original company ( XXXX AKA the XXXX XXXX ) about the incorrect balance owed. On multiple occasions & even calling them but no response was ever submitted back to me. Once This in-accurate debt started posting on my credit report through CBF SERVICES I made multiple attempts to reach out to CBF SERVICES & told them " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. '' no proper evidence was ever sent to me providing my signature showing that I owed, or was in debt, or ever have been in debt with CBF SERVICES. 

Dates attempted to reach XXXX AKA the XXXX XXXX XX/XX/XXXX XXXX XXXX  & XX/XX/XXXX XXXX XXXX ( Via email ) Dates attempted to reach CBF SERVICES ( Via certified mail ) XX/XX/XXXX & XX/XX/XXXX CBF SERVICES Acct # XXXX
Consumer complaint received 2017-09-14
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: EQUIFAX, INC. (MD)

Equifax was a victim of a significant cyber attack. My identity was stolen in this attack. I have set up alerts on my credit but as one of many victims of this attack, I have not sought recourse. Their free credit monitoring offer makes it so that I am unable to participate in a class action lawsuit which is unappealing and deceitful.
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (NY)

XX/XX/21 at XXXX - I asked the Manager with XXXX XXXX  to reverse a {$25.00} fee because I was misinformed by the bank. They rudely REFUSED to reverse the fee even when it was not my fault.
Consumer complaint received 2019-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I have tried to contact this credit card company, XXXX   XXXX/XXXX  as well as the collection agency Portfolio Recovery Associates LLC asking them several times to send me Verifiable Proof ( An Original Consumer Contract with my signature on it ) stating this debt of {$2000.00} is mine. They have failed to positively verify this account which has hurt my ability to obtain credit. XXXX   XXXX/XXXX as well as the collection agency Portfolio Recovery Associates LLC continuously sends bills and collection letters in the mail that DO NOT belong to me. Under the FCRA, unverified accounts must be deleted if the company is unable to provide me a copy of verifiable proof and this company is refusing to do so. Please assist in having this account remove from my XXXX, XXXX and XXXX Credit Report. Thank you!
Consumer complaint received 2022-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (CO)

On XX/XX/2022 I logged into check my credit report and found an account that was fraudulently opened in my name with BB & T Bank in the amount of {$11000.00}. I have since resolved this issue with XXXX  ( XXXX XXXX XXXX XXXX ) who is the debt collector and I am now working with Truist Bank ( BB & T ) to make sure my case has been discharged as fraudulent.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Because of the XXXX security breach, I 'm requesting a credit report freeze. It took around five minutes to do this with XXXX and XXXX, using their toll-free numbers. TransUnion, however, is totally inaccessible, either by phone or online, and has been since I started trying to reach them on XXXX XXXX. Five phone calls resulted in my being placed on hold for 20 minutes the first time, and then disconnected. The other 4 times, I was placed on hold for only a few seconds before I was disconnected. TransUnion 's website explains the heavy internet and phone traffic due to the XXXX breach, but this has been going on for days, and has n't happened with the other two credit reporting companies. The website asks for al my information, then, at the end, says it 's temporarily unavailable.
Consumer complaint received 2022-04-06
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: Experian Information Solutions Inc. (TX)

XX/XX/XXXX2011 ACCOUNT PAID IN FULL ACCOUNT CLOSED BUT STILL SHOWS ON CREDIT REPORT AS 1 MONTH DELINQUIENT XX/XX/XXXX XXXX XXXX XXXX ACCOUNT # XXXX EXPERIAN IS THE ONLY CREDIT BUREAU STILL REFLECTING THIS OLD ACCOUNT
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MO)

My identity has been compromised and there's unauthorized inquiries on my credit file. I'm demanding immediate removal of these unknown and unauthorized inquires. Please remove these immediately. 

1 ) XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX (XX/XX/XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX (XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2019-02-21
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. (CA)

Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$6500.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately.

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Consumer complaint received 2021-09-17
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)

I contacted TransUnion, XXXX and XXXX in writing informing them of my new mailing address : XXXX XXXX XXXX, XXXX, FL XXXX. I sent all required proof to make the change on XX/XX/2021 in writiing. I requested a free annual credit report and I want a copy of my credit score. But to no avail.

I have not received my annual credit report or credit score at my new mailing address from any of the 3 credit bureaus.

please help in this matter.
Consumer complaint received 2021-03-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

I deposited XXXX. XXXX owned to XXXX XXXX I deposited XXXX FIL coin owned to cXXXX XXXX And some other coins I already owned like {$300.00} worth. 

All in all about {$2500.00} worth of coins Anyways I made two purchases for {$350.00} each on crypto on XXXX XXXX. 

My bank rejected the transaction so XXXX XXXX  disabled the trades and withdraws on not just what I bought but ON THE ENTIRE ACCOUNT HOLDING MY MONEY XXXX. 

This is a OUTRAGE .... anyways i resolve the bank problem and a few days later. And XXXX XXXX is now paid. 

But now they still have my account disabled I canr withdraw my crypto they refuse to respond to a email they just keep emailing saying they are " sending my email to a specialists which according to users online who have issues with XXXX this is there way of saying XXXX you were never fixing the issue.
Consumer complaint received 2017-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I 've been working for a XXXX employer since XX/XX/XXXX. I recently ( XX/XX/XXXX ) had my loans transferred from XXXX to Fedloan Servicing ( Pennsylvania Higher Education Assistance Agency ) as part of signing up for the Public Service Loan Forgiveness program. 

They have been dragging their feet in explaining to me why they only counting my qualifying payments from XX/XX/XXXX forward, which means I would have to pay for an additional 3 years before my student loans are forgiven. They have made no attempt to properly explain their logic for determining this decision, nor have they sent me any kind of communication regarding my PSLF payments. 

I 've spoken with customer service reps and I 'm either given conflicting answers or no explanation at all.
Consumer complaint received 2020-11-27
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 Days but no response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach.
Consumer complaint received 2020-11-27
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. (FL)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2017-11-11
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: CITIBANK, N.A. (WA)

Sears/Citibank reps will not help me remove an inquiry for a credit card after they canceled the application.
Sears website stated I could apply for the card and use it for an order on their website. Today XX/XX/17. Online price expires tomorrow and the Sears credit card rep told me I could not use it until I received the physical card so I stopped the application. I called another sears credit card rep and they told me to talk to sears.com regarding this situation when I asked to have the inquiry removed from my credit or if I could somehow finish the application and use the card. Sears.com rep told me it would be fine and I could pay for it now then change the order to the sears card when I received it.
Called sears credit card services to finish the application again and they are telling me it was canceled and that I will have to have ANOTHER inquiry on my report in order to get the card. I 'm requesting that Sears/Citi remove the original inquiry since their rep was not educated enough to help me with my order and made me cancel the application.
Consumer complaint received 2023-01-03
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. (CA)

This is my endeavor AGAIN to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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  : {$570.00} ; XXXX XXXX XXXX Balance : {$7000.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$310.00} ; XXXX XXXX XX/XX/XXXX.