davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-18
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. (CA)

Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite three written requests, the unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. I am a victim of identity theft and I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed from my credit report : Dept of Edu/ XXXX  : 20 various accounts US Dept of Education- XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX & XXXX : XXXX XXXX XXXX XXXX  : XXXX  # # # # # # XXXX Hard Inquiries XXXX/XXXX  Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Finance Companies XXXX non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Specialty Clothing Store Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Following Inaccurate Addresses XXXX XXXX XXXX XXXX , CA, XXXX XXXX XXXX XXXX XXXX XXXX , CA, XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX , NJ, XXXX XXXX XXXX XXXX   XXXX, WA, XXXX
Consumer complaint received 2020-09-12
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. (DE)

My name is XXXX XXXX and I am writing about an entry listed on my credit report which does not belong to me and should not be listed. Apparently someone with a similar name to mine filed bankruptcy in the US Bankruptcy Court of XXXX, and it appeared on my credit report. Frustrated I decided to contact the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau, any information relating to any bankruptcy cases. They said it may have come from a 3rd party furnisher called XXXX XXXX. I contacted XXXX XXXX with my address, full name and full social security and they do not have any record. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately.
Consumer complaint received 2023-03-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TN)

I am a XXXX XXXX XXXXXXXX veteran with a XXXX injury. Sometimes I forget things. I have a mortgage with Dovenmuehle dba XXXX XXXX. I set up my online account and have been making payments. I set up autopay to make sure I didn't miss a payment. To date, I am current on all payments due. 

Unfortunately, I forgot that I had set up autopay, and in an effort to ensure my payment was made, I made a one-time payment online. ( I have done this twice. ) There was no warning that popped up to let me know that it may incur a duplicate payment. It just let me make it. 

Fast forward to XX/XX/2023 : I went to my online account to see that my autopay was still engaged, but they had disabled my ability to make online payments. I thought this was the fix to my issue. It wasn't. It was punitive. Not only have they disabled my ability to pay online, they removed the autopay ( even though it still says that it's active ). I called them to verify my payments, and that's when I found out. I reminded them that my autopay was not the problem ; they didn't care. I told them that this is undue hardship on a XXXX veteran, and I told them that their actions are punitive as a direct result of my XXXX. They said, " Sorry. '' But did nothing to change it. So, in an effort to work with them, I offered for them to use my husband 's account, since the issue had been with me. They flatly refused. They want us to go spend money with XXXX XXXX or buy a Money Order to pay the mortgage, rather than work with my husband or acknowledge that their system is not XXXX XXXX friendly.
Consumer complaint received 2019-06-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Borrower is requesting the help of the Consumer Financial Protection Bureau to assist him in having his mortgage company correct several accounting errors in their ledgers, that do not conform to the Loan Agreement Agreement. On XX/XX/XXXX, the Borrower, had a Mortgage loan held by Bank of America ( BOA ) with a beginning principal balance of {$430000.00}. On XX/XX/XXXX, BOA transferred the loan to XXXX XXXXXXXX XXXX  ( XXXX ) for servicing, which at that time of the transfer had a balance of {$420000.00}. On XX/XX/XXXX, XXXX entered into a Loan Adjustment Agreement ( LAA ) with the Borrower. 
Shortly after receiving XXXX first monthly statement, Borrower noticed that the statement did not accurately reflect the terms of the LAA. Upon noticing the inaccuracies, Borrower contacted XXXX numerous times to ask them to correct their monthly statements to no avail. On XXXX XXXX, the loan was transferred back to Bank of America. Borrower also contacted BOA on numerous occasions to ask them to correct their ledger to no avail. 
Contrary to the LAA, XXXX reduced the original unpaid principal balance of {$420000.00} by only {$24000.00}, and therefore incorrectly calculated the new principal balance as {$400000.00}. Pursuant to the LAA, the original principal balance of {$420000.00} should have been reduced by {$27000.00}, and the new principal balance should have been correctly reflected on XXXX statements and ledger as {$400000.00}. 
Also, contrary to the LAA, XXXX statements indicate that XXXX added {$51000.00} to their incorrectly calculated new principal balance, and that XXXX intends that the {$51000.00} be paid as a balloon payment on the maturity date. But, according the LAA, interest should be waived on {$51000.00} of the XXXX XXXX, and if the Borrower fails to make timely payment on the final {$51000.00} of the principal, then the waived interest on the {$51000.00} becomes due as a balloon payment on the maturity date. 
Also, XXXX statements and ledger incorrectly show a 4.5 % interest rate on the loan, but the LAA clearly states that the interest rate on the loan is fixed at 3.5 % for the remaining life of the loan. 
Because of XXXX deviations from the LAA,  XXXX ledger shows that, for the 28 months that the loan was with XXXX, the original principal balance was reduced by {$24000.00} and that the Borrower made total principal payments of only {$8800.00} ; for a combined total reduction of the original principal of {$32000.00}. Therefore, at the time the loan was transferred back to BOA for servicing, XXXX miscalculated the principal balance as {$390000.00} instead of the actual {$370000.00}.
Consumer complaint received 2022-03-30
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: REGIONS FINANCIAL CORPORATION (CA)

On XX/XX/2022 ENERBANK USA company used my social without my authorization. XXXX XXXX Is another company and XXXX. Also XXXX  XXXX XXXX. 
Please remove all the credit inquiries I did not made starting the month of XXXX, so my 3 credit bureaus are not hurt.
Consumer complaint received 2020-11-18
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: Experian Information Solutions Inc. (TX)

I have disputed several accounts from my credit report with XXXX, Experian, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020
Consumer complaint received 2020-05-05
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. (AR)

I decided to get my credit pulled due to bills i continued to receive in the mail. I have never heard from the place before, I immediately suspected identity theft. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$890.00}
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

I made a one time purchase on my Apple credit card for {$19.00}. But this company charged my account several times like {$120.00}, {$140.00}, {$140.00}, {$49.00} and some other charges I can't recall. Every time I called Apple company and disputed these charges. Apple company one time even told me that they are changing my card number, but the charges still kept coming in. I asked the Apple card to block this company so I don't have to keep calling them and dispute these charges, but they refused to do that. Eventually I closed the account. But few days later I received this email " Goldman Sachs Bank USA has investigated your transaction dispute and found that no billing error occurred for the following reason : We reviewed available information which confirms that you authorized the purchase with the merchant. '' They reversed all the disputed charges and all the credit balance was washed out and additionally mad me me pay another {$120.00}. Altogether they stole my approximately {$500.00}.
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

{$200.00} Cash Cruise Deposit with XXXX XXXX XXXX XXXX and Bank of America which they refuse to refund me. 

Submitted request to Office of the Comptroller and Currencycase XXXX. They in turn forwarded request to your office. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2019-06-05
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. (OR)

I applied for XXXX XXXX 's pre-approval on their website, which clearly states " Checking your rate won't impact your credit score ''. I was given an approval of {$1500.00} at 100 % interest and decided not to move forward. 

On XX/XX/2019 I contacted XXXX phone support ( XXXX ) XXXX to find out how to cancel the Better Cash pre-approval I had received so that I could take out my XXXX XXXX {$500.00}, no credit check loan. 

( XXXX XXXX & XXXX XXXX are apparently the same company and you can't have a pre-approval with XXXX XXXX and get the no-credit check loan with XXXX unless you cancel the pre-approval. ) If they listen to the phone call recording for my account at XXXX Pacific on XX/XX/2019, theyll hear that the representative at no time warned me that by going through the application process to Decline and Cancel the XXXX XXXX loan offer, would I incur a hard credit inquiry. 

She consistently told me to continue clicking through the options, not to bother reading anything ( as it wouldnt apply ) until I got to the option to decline the offer. 

HOWEVER, after clicking through the options, and finally getting to the page that offered the Decline button, I began receiving notices from XXXX XXXX and other similar services I use to monitor my credit, that XXXX XXXX DID IN FACT check my credit report with a hard inquiry.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (NC)

I went into truist bank in the area i am located and i tried to open up a business bank account at wt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX XXXX XXXX was very helpful we attempted to process the application but unfortunately i was denied and given a document but i was unable to open up the account i asked the bank rep why and he told me he didnt have a number i could call but to contact THE CFPB XXXX told him i was aware that my information had leaked and i was a victim of the XXXX XXXX XXXX incident, and he said his system rejected me because my info was a part of a trade disclosure of use of information obtained from an outside source or some type of fraudulent alert i filed this complaint to get some transparency and to have these alerts or information removed from my credit because its preventing me from obtaining credit and opening up a bank account. there has to be some other way to cover or remove this info from reporting so i can be able to open up an account as a consumer right i don't have any other idea why other than what he saw on his screen. i didn't have any alerts or credit freezes on file i removed all the fraud alerts from my credit beforehand but the way my information is reporting to other agencies is preventing them to extend credit. im aware that credit agencies may disclose that my info was involved with the incident to other agencies being that my personal info was a risk because to the XXXX data breach but to get denied because of the way my information is reporting to the banks im just seeking help on the situation make it make sense if i cant use my personal info?
Consumer complaint received 2020-11-18
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. (GA)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-06-24
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. (TX)

Experian said there was a mix up of reporting on my report and updated an item that was over 7 years old. The update had changed the date to a current date which is incorrect. Experian would not get me over to a supervisor to get the issue resolved. There is no information on the collector and no way to get in touch with them in regards to this issue. Experian was the ones that mixed up my accounts and information and will not help to remove what is my legal right to have it removed.
Consumer complaint received 2020-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (CA)

My home loan servicer was recently transferred to Arvest Central Mortgage. In the past 25 years, I have had over 10 home loans across 7 properties, with even more servicers along the way, since it seems every other year the loan is being transferred. 

Arvest is the first servicer I have encountered that charges any fee ( in their case, it's {$5.00} ), to submit a payment online. I do not believe that incurring a {$5.00} charge to submit an online mortgage is acceptable industry practice. That is a barrier to making a payment, in which they assess steep late fees if not received. This is the year 2020 in which entire businesses are conducted online, so charging {$5.00} to submit a payment, as opposed to mailing a check where there is no fee, is archaic and a money-grab.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (VA)

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 2022-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

Hello -- I requested a refund of the payments I made during the pandemic to my student loans. I did in fact pay off this balance in full and the loan has been closed. In light of the recent student debt relief announcements though, I've requested a refund of the payments I made as eligible under the CARES Act. 

However, I find the lack of any information from my loan provider, EdFinancial, concerning. After requesting the refund, I received no sort of confirmation email or letter. The associate I spoke with was also uncertain of several of my questions, and I got differing answers from other associates. 

I am hoping to get more clarify on my refund request. 
1. Was it successfully processed?

2. When will the refund appear and my loan be re-instated on my account? There must be a better timeline than what was provided to me.

3. How will I be receiving my refunds?

That last question is of utmost important as I paid from several different payment methods, including bank accounts that are closed. I've requested the refund payments ALL via check but I have not received any confirmation that is how they will come.
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2022-03-30
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. (TX)

File # XXXX XXXX, XXXX XXXX I received a response from the TransUnion regarding the validity of a bankruptcy that is being reported on my credit report. I have sent in multiple letter regarding this public record on my credit report. XXXX, XXXX, XXXX i also received a response from TransUnion regarding the erroneous item on my credit report, each time the item came back as " verified ''. I've asked how the item was verified the only response I have got was the item was " verified ''. up on further investigation on WWW.TransUnion.COM/LEGAL/PUBLIC-RECORD. 

Based on the information I gathered on the website it was " XXXX '' that furnished the erroneous item to TransUnion. This was taken directly from TransUnion 's website " For bankruptcy public records collected through XX/XX/XXXX, TransUnion obtained information about your bankruptcy from third-party vendor, XXXX. XXXX I then again contacted XXXX about the bankruptcy reporting on my credit report and there respond was " the item is not on my consumer report ''. Now I'm lost for words. 
Based on TransUnion 's website, XXXX reported that unverified information to TransUnion. The date my credit report was updated by TransUnion was XXXX, XXXX, XXXX.