davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My car loan was on deferment due to Covid. Bank of America mishandled the re-payment process, very poorly. They failed to inform customers, they failed to connect the customer to the people to get additional help, they failed to even know where to connect the customer, they failed to care, they failed to do everything right, but did a great job at doing everything wrong. I requested a call from Corporate 27 times via physical mail, XXXX, emails and phone calls. They failed to respond to the XXXX XXXX XXXX complaint report. Now the bank is harassing me with phone calls even though they RECEIVED their payment in XX/XX/2020, trace number XXXX / XXXX ID XXXX. The staff is extremely rude, dismissive, condescending and make things up. I am an outstanding customer for many years, I will never do business with them again. I want results asap.
Consumer complaint received 2022-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (UT)

I received a text message from Sequium on Thursday XX/XX/XXXX at XXXX to contact them and that Sequium is a debt collector and then provided me with a reference number. After inputting the reference number I have a collections from XXXX in the amount of {$870.00}. 

On Wednesday XX/XX/XXXX I called XXXX to ask for solutions and prevent my account from going into collections. Only to find out I have been charged for a service I haven't used in over 2 years! There's XXXX accounts I have for the XXXX security system. XXXX XXXX which is the loan for the products and XXXX for the services ( apps ). I was being charged for the app services which I have called in to pause the account because my system isn't set up and not in use since I moved in XXXX of XXXX. 

I was being charged for a service that is not in use, nor was I notified or contacted in any way about the status of my account on when my services started again, when they started charging me, no billing statement was sent via email, and then I wasn't notified of my account with an owed balance. The only time I was notified of my XXXX service account was when Sequium texted me trying to collect a debt.
Consumer complaint received 2021-12-04
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. (TX)

Equifax, XXXX XXXX XXXX has violated all of my The Fair Credit Reporting Act ( FCRA ) Rights by repeatedly reporting an account that is both inaccurate and fraud! XXXX XXXX is reporting different information to each consumer reporting agency. With Equifax they are reporting A balance owed of XXXX & A charge off date of XX/XX/XXXX. With XXXX they have reported XXXX balance. I have attached screen shots of this inaccurate info. They've reported to both XXXX and XXXX different dates also. XXXX show XX/XX/XXXX & XXXX Says XX/XX/XXXX. This account is fraud and has been reporting inaccurate information across the 3 consumer reporting agencies.
Consumer complaint received 2021-01-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: U.S. BANCORP (CA)

Dear Sir/Madam XX/XX/2020, I applied for a Car loan with US BANK through their website for around ( {$55000.00} ). After two days, I checked my loan status through their website ; the position was pending. On the third day, I rechecked and still pending. On the fourth day, I made a call at XXXX, and someone told me that too early, please wait for next week. 
After waiting for a week, I made a callback at XXXX, and some told me to call your branch at XXXX XXXX. I called US Bank at XXXX, and the branch manager XXXX XXXX XXXX said to me that at this moment, he was not sure what is going on with your loan, and I will give you a call today about the situation. After two days waited, I made a callback to US Bank Branch at XXXX XXXX, and the lady XXXX XXXX XXXX told me that my loan declined because the amount too high for my credit score. At this moment, the loan approves for {$50000.00} with an interest rate of 3.9 percent 72 months, 3.76 percent 60 months, and 3.6 percent with direct payment. 
I asked XXXX what I should do? Because this is my first time to loan with a direct bank. XXXX told me to get a contract from the dealer and bring it here ( nothing about how the loan work ). 
After one and a half weeks, I got a contract from XXXX XXXX for the car for {$49000.00} On Monday, XX/XX/2020, I brought the contract to the US Bank, and I met with XXXX. He told me that he couldn't find my loan application, and I told him that I applied, and the branch manager ( XXXX XXXX knows it. He called XXXX, and XXXX and XXXX were looking into the system. Finally, they both couldn't find it, and XXXX suggested to replied the loan application, and XXXX explained that the Loan is base on the value of the VIN. XXXX checks my car VIN #, and the deal only {$37000.00}. I said to XXXX, why you never called me back, and why you were never explaining how to apply for the car loan. Also, why your co-worker XXXX XXXX XXXX told me, " just got the contract from the dealer and brought it here, and we will take care of the rest, XXXX XXXX couldn't answer my question ). 
Since I must deal with my problem, I told XXXX to reply to my loan application and get {$44000.00}. He told me I tried. 
On XX/XX/2020, I got the answer from XXXX the loan was approved, only the car 's value {$37000.00}, I must deal with the remaining balance XXXX {$7000.00} XXXX. 
I appreciate your valuable time to review my problem.
Consumer complaint received 2022-04-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2021-12-04
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. (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
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. (NJ)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2022-04-28
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. (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-17
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. (TN)

Since XX/XX/XXXX, I have written many certified letters to Equifax regarding inaccuracies and FCRA violations for the XXXX XXXX XXXX account found on my Equifax credit report. Despite my numerous requests, they have not corrected those multiple problems nor, and most importantly, they have not posted a Notice of Dispute for this account on any of my credit reports since my initial request back in XX/XX/XXXX. In follow up letters dated XX/XX/XXXX and recently XX/XX/XXXX, I again asked why they had not posted a Notice of Dispute to my credit repost and have never received an answer or a correction. I have attached the three letters of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have highlighted in yellow the account we are discussing. I have also included a PFD two page document of this account from my most current Equifax credit report to show that even after 12 months, Equifax has refused to post my Notice of Dispute in the comment section for this account. 

As youre aware it is required under the FCRA requirements to place a Notice of Dispute within 30 days on an account when a credit reporting agency is notified of a dispute. Failure to do that is a violation whereby the violating credit bureau can be be sued for statutory damages of {$1000.00}.
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP (FL)

Im trying to use my debit card while travelling but the bank locked my card and I called them to unlock something they are refussing to do it.

They sent me a code to my phone and I never receive, but the sms code to access online banking I receive that whithout any problem
Consumer complaint received 2022-04-07
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: EQUIFAX, INC. (TX)

I sent disputed to XXXX and Equifax for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-12-04
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. (TX)

XXXX, XXXX XXXX Transuniin has violated all of my The Fair Credit Reporting Act ( FCRA ) Rights by repeatedly reporting an account that is both inaccurate and fraud! XXXX XXXX is reporting different information to each consumer reporting agency. With XXXX they are reporting A balance owed of XXXX & A charge off date of XX/XX/XXXX. With Transunion they have reported XXXX balance. I have attached screen shots of this inaccurate info. They've reported to both Transunion and XXXX different dates also. Transunuon show XX/XX/XXXX & XXXX Says XX/XX/XXXX. This account is fraud and has been reporting inaccurate information across the 3 consumer reporting agencies.
Consumer complaint received 2021-12-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC (NJ)

Someone has been repeatedly calling me from MRS BPO, almost every day and several times a day since XX/XX/2021. They never leave a message and have never sent me any correspondence as to who they are and why they are calling me. I do not have any delinquent payments nor is anything negative on my credit report so I'm not sure why they are harassing me.
Consumer complaint received 2021-05-25
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Reverse Mortgage Solutions, Inc. (TX)

My mother was misled into taking out a reverse mortgage on her home in 2008, at which time she was given a net amount to her of roughly {$12000.00}. She did not take any additional funds through the course of the loan against the original available amount. 
She is in the process of selling her home and has been told that her buyout amount is {$200000.00} - again she ONLY received {$12000.00} from RMS. Thus, the company is saying that the fees on this transaction are now {$180000.00}?? 
I am attaching all of the original loan documents as well as her current buyout statement. 
Nothing about this adds up. 
Please help!
Consumer complaint received 2017-12-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. ()

I opened complaint XXXX about checking account because Chase effectively stole {$2200.00} from me by failing to execute a verified wire transfer. The details of my complaint to CFPB of XXXX/XXXX/XXXX were : " I opened a checking and savings bank account when I was training in the USA. I have since returned to the XXXX XXXX where I live and work. In about XXXX XXXX I concluded there was no further point in having a US bank account and I instructed Chase to transfer the balance of the money - {$2200.00} - to a XXXX bank account. I passed the online and telephone process in place to avoid fraud and was informed the transfer would take place. Instead of that, Chase terminated my online access to the account and did not transfer the money. I telephoned them and they passed me on to a wide range of people over a very long phone call. They first said I should go into a branch of Chase in the US,  which is obviously not practical as I am in the XXXX XXXX and have no reason to return to the US.  After the very long phone call I was cut off and thought it impractical to phone back given the many layers of supervisory staff I had gone through in the earlier call. I therefore wrote to the bank to complain on XXXX XXXX XXXX and again on XXXX XXXX XXXX. I have not had a reply or solution and the practical effect is that they have stolen my money. What I want to happen is for all of the money to be transferred to me in the XXXX by wire transfer as I originally instructed. If any compensation is payable that would be great. Obviously I do n't want Chase to have eroded my money through account charges since they had the instruction in XXXX. '' In response, the bank said they would pay out the money on receipt of a faxed notarised letter. I faxed they letter and they still did not pay. On XXXX/XXXX/XXXX I responded through CFPB as follows : " I paid an attorney to notarize a letter and faxed it as instructed. The bank still did not transfer the money as instructed and as they say they would in their response to my complaint to you. Instead the bank sent a letter dated XXXX XXXX which I received today XXXX XXXX. I tried to phone to talk about it, but could not get past their security as my account is on hold for security reasons. '' The bank still did not pay my money and wrote to me say that fax was not sufficient, the notarized letter must be posted. I therefore posted it to them and there has been no response at all. 

The bottom line is that Chase still has my {$2200.00}. I am worried they will steal it by a ) not returning it to me at all, because they have not complied with their agreement through CFPB and b ) they will have found a way to reduce the balance by applying charges because they sent me a letter in about XXXX XXXX to say they will be levying charges on the balance. I have had no reply to my letter of XXXX/XXXX/XXXX complaining yet again and insisting they send me my money. They do not seem trustworthy.
Consumer complaint received 2018-07-27
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. (LA)

I CALL IN XX/XX/XXXX THE FIRST WEEK STATING THAT I HAD INQUIRES NEED TOO BE REMOVED DUE TOO FRAUD IN XX/XX/2015 NOTHING HAS BEEN DONE
Consumer complaint received 2022-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Shellpoint Mortgage has been reporting my mortgage as past due for MONTHS. This is not correct. I signed up for bi-monthly auto payments with them. They've been taking out the bi-monthly payments for months with no issues. 

When I finally reviewed my latest bill I noticed there was a late fee on it so I contacted them to find out why. They advised me that even though I was set up for bi-monthly payments I was a month behind? WHY would a mortgage company set someone up on auto pay without telling them they were behind and would remain so? So my credit score is suffering because of THEIR negligence!!

.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX Account # shows XX/XX/2019 and XX/XX/2019 as 30-day late payments. This should be changed to paid on time. 

I attached a letter from XXXX XXXX stating that I have no late payments with the company.
Consumer complaint received 2021-05-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CA)

We refinanced our home with another lender. When we closed the current lender Mr. Cooper and new lender XXXX XXXX both paid the XX/XX/2021 taxes. XXXX paid the taxes because the lender stated they paid them on XX/XX/2021. The county did not have any record of the funds. Since this was not paid, XXXX paid them. I contacted the county of XXXX and was advised the payment that was received was from the new lender, XXXX XXXX. The funds from Mr. Cooper were not received until XX/XX/2021. Since the taxes had already been paid they rejected the payment and sent it back to the Mr. Cooper. I then called Mr. Cooper on XX/XX/2021 and was told they would send the refund within 2 weeks. It was not received. I emailed them on XXXX XXXX through their website and was provided incorrect information. I then emailed again on XX/XX/2021 to the complaint department to receive a letter stating they will respond on XX/XX/2021. 
They have held my escrow refund since XX/XX/2021.
Consumer complaint received 2022-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (IL)

In XXXX XXXXXXXX, I submitted my application for PSLF to determine how many eligible payments I have made as well as if i received/am covered by the temporary waiver. I have received two separate correspondences informing me that they received my application but I have not heard anything since. I've tried contacting both EdFinancial and XXXX XXXX to get an update in the status ; however, neither institutions are able to give me PSLF-specific information. I have periodically reached out to both institutions, with the most recent inquiries taking place during the week of XX/XX/XXXX. EdFinancial sent me a copy of my payment history but it does not indicate PSLF-eligible payments or the eligible payments under the government pandemic forbearance, and XXXX XXXX indicates that they still do not have any record of me in their system. With the latter, I am constantly transferred and left on hold.
Consumer complaint received 2021-12-04
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)

To Whom It May Concern, My name is XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit XXXX. Please delete the items as soon as possible.
Consumer complaint received 2020-09-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Pinnacle Credit Services, LLC (CA)

Someone by the name of XXXX XXXX called me today at work XX/XX/2020 and this was not the first time. He called me multiple times and every time he calls I tell him Im not allowed to except phone calls at work. he then gets belligerent and tells me that I am required to talk to him. He called my boss today and the bookkeeper and demanded that they tell him information about me where I work and other private information they told him they were not going to give him any information and he became very belligerent with them and tried to tell them that they are required by law to answer his questions. This has caused me an undue amount of stress and I just want him to stop calling me