davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (OR)

We are trying to sell our house. We accepted an offer from XXXX XXXX XXXX and the pre-approval of {$450000.00} was supplied by XXXX XXXX XXXX  written by XXXX XXXX. After two addendum due to issues securing financing we gave them a third try but requested they use our lender. We had moved out prior to closing in anticipation of the first proposed closing date and after the second addendum passed we claimed the earnest money to cover the extra expenses of two payments etc. The entire time they requested repeatedly to move in prior to signing, due various hardships. Then as they walked away from the deal it became apparent that they could n't get the financing due to reported income and what appears to be blatant tax evasion by XXXX XXXX. In fact, the lender we recommended via my broker let it be known the the approval letter should never have been written. It was fraudulent and XXXX XXXX is the brother-in-law of XXXX XXXX. The pre-approval was dated XXXX XXXX 2017 and we accepted it on good faith. If we had let them move in early there is little chance they would have been able to secure financing in a reasonable time frame and I would have unwanted renters and not sure if they would even pay rent. This cost me time and money while eating up the prime season to sell a home. End of summer and they walk away. This needs to be looked into in case they are trying to wiggle into someone else 's home in order to squat with a phone pre-approval by a illegitimate lender approval and cost another seller so much time and money. More details are available upon request i.e. addendums, dates, etc.
Consumer complaint received 2017-09-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had released California tax liens on my report. As a result of the National Consumer Assistance Plan, both XXXX and XXXX removed the liens in XX/XX/XXXX/XX/XX/XXXX due to lack of identifying information as required by NCAP.When I noticed that Transunion had not removed the liens, I initiated a dispute with them using their web site. They responded that the investigation was complete, and the liens were not removed. They did not claim the required identifying information was present, they just refused to remove the liens.It appears to me Transunion is in violation of the NCAP by refusing to remove these liens.
Consumer complaint received 2020-10-08
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Consumer complaint received 2017-09-29
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. (WI)

i XXXX XXXX XXXX XXXX have sent complaints to all three reporting agencies about debts that have refused to verify the debts. on XX/XX/XXXX a letter of discovery requesting proof of acknowledgement ; copy of signature on agreement, or acknowledgement of debt document. also requedted was copy of 1 bill of deliquency of debt, and/or debt total ./ repeat letter was sent XXXX, and certified letter in XX/XX/XXXX. all requesting the same thing to these debtors ; XXXX XXXX XXXX. XXXX XXXX XXXX XXXX tn XXXX. amt {$230.00} org. XXXX XXXX XXXX XXXX md. trans union acct # XXXX # 2 XXXX XXXX XXXX XXXX XXXX XXXX, mo. XXXX amt {$150.00} XXXX XXXX XXXX  XXXX. trans union acct # XXXX. XXXX acct # XXXX
Consumer complaint received 2023-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (ME)

I submitted a request to change to a different Income Driven Repayment ( IDR ) plan on XX/XX/XXXX. I got confirmation of receipt of the request. On XX/XX/XXXX MOHELA placed me on administrative forbearance while the application was processed. On XX/XX/XXXX I received a letter from MOHELA saying my request was cancelled and that I was placed on the standard Level repayment plan. My monthly payment was changed from approximately {$500.00} a month to over {$3000.00} a month. The repayment plan is also not eligible for PSLF which I have been working toward for four years. I have attempted to contact MOHELA to fix this many times. They either disconnect the call or never complete my scheduled call back. My forbearance is scheduled to end at the end of XX/XX/XXXX and I can not afford the new payment.
Consumer complaint received 2020-10-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

Law office MBA Collections I am XXXX  % XXXX  veteran this company has me reporting to the Credit bureau. A debt of {$410.00} for medical never send a bill but they was giving all the information to get their money from the V.A.  This account is more than three years old. And its not removed from my credit report please have them report this collection.
Consumer complaint received 2017-12-26
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA (NY)

XX/XX/XXXX - XX/XX/XXXX : {$27.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$46.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$11.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$50.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$44.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$25.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$300.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$220.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$260.00} - per month when contacting XXXX XXXX regarding financial distress, XXXX provided me with information on hardship forbearance or deferment, instead of potentially giving me more beneficial repayment options like income-driven repayment plans. I request in writing and via customer service that I would like the inaccurate late payment information to be removed from my credit report. I received a notification stating that they were investigating my request, but I still have not received a final decision. It has been over 30 days.
Consumer complaint received 2017-12-25
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. (IN)

I had a credit card with XXXX XXXX/XXXX for a couple years and closed it earlier this year. I paid the full balance due and closed the card. Now, they are reporting to all credit bureaus that the card is charged off and paid after closing. This card has never been late and was closed in perfectly good standing. I 've contacted the company and was told to mail a request to correct the credit bureau information. I 've mailed the company a copy of my credit report showing the negative reporting and nothing has been updated.
Consumer complaint received 2019-10-26
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that BMW FINANCIAL SERVIC has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2017-12-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Experian has XXXX/XXXX XXXX XXXX XXXX on a Your Accounts that may be considered negative. 

XXXX XXXX XXXX XXXX 3 Different Loans XXXX/XXXX  XXXX XXXX XXXX Transferred the loan. I did not request nor have nothing to do with the transfer or the sale of the Student Loan. 

All my student loans was deferred so how or why does Experian have them showing late. 

Your accounts that may be considered negative by Experian has issues for the time that they have that goes good as I see 8 years as By XX/XX/XXXX 2023 this account is Scheduled to go positive status. so how is it that it takes 8 to 9 years on some accounts if your paying on time to go Positive and for the past 2 years its been paid It seems Experian just create things on credit files and incorrect information they gather and it makes no sense as I look at my report it takes or the wording that Experian uses to create may be considered negative that 's very vague with one way or the other.
Consumer complaint received 2017-09-29
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. (TX)

I am extremely concerned about XXXX's massive failure to safeguard my personal information. In addition, the entire system of credit reporting and security in this country needs to be overhauled. It is ridiculous that I have to pay a $XXXX fee to freeze and unfreeze each one of my credit reports. What's more, these credit bureaus don't even consider me a customer. They should charge the potential lenders the fee, not me. If you made this simple change to the laws, then this would cut down on 99% of the identity theft. Currently, it doesn't cost the thieves anything to make unlimited attempts to steal my identity. But if they were forced to pay $XXXX to attempt to access a credit report, it would cut down that activity significantly.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached a highlighted picture of the account with the inaccuracies.
Consumer complaint received 2021-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX on my life.
Consumer complaint received 2017-12-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX lower my score by 79 points with no reason. 
Transunion lower my credit score by 73 points with no reason.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, trans union, XXXX and the ftc unknowing that I have been a victim until my life been impact my life health and job. to be XXXX XXXX XXXX XXXX and tired of these company when I 'm a victim
Consumer complaint received 2017-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX credit reporting agency is reporting 2 accounts that has been verified to be deleted from my report. I am uploading proof from XXXX credit reporting agency that the results of the investigation is the items were deleted. XXXX should be receiving the same instructions to delete. However they just keep reporting it.
Consumer complaint received 2017-09-30
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)

Experian credit reporting agency is reporting 2 accounts that has been verified to be deleted from my report. I am uploading proof from XXXX credit reporting agency that the results of the investigation is the items were deleted. Experian should be receiving the same instructions to delete. However they just keep reporting it.
Consumer complaint received 2019-10-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/2019 I asked my bank-Huntington, the XXXX Michigan branch-to stop payment on several auto payments to high interest loan companies. The manager told me they couldn't stop payments unless there was fraudulent activity on my account, but a lawyer from a debt consolidation company called XXXX XXXX told me all I had to do was tell the bank which payments to stop and the bank had to stop them. I'm asking them to stop  payments because I'm a XXXX vet with XXXX  and other issues and I need to assign a payee to handle my finances and the bank knows this. The bank phone number is XXXX XXXX XXXX.
Consumer complaint received 2017-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is not reporting an account on my credit report that is in excellent standing I have requested this account be put on my credit report. The account is XXXX. Having this account report would help my credit score
Consumer complaint received 2017-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EXPERT GLOBAL SOLUTIONS, INC. (NY)

XXXX is not reporting an account on my credit report that is in excellent standing I have requested this account be put on my credit report. The account is XXXX. Having this account report would help my credit score
Consumer complaint received 2017-09-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (NV)

this complaint has already been received by the customer assistance case number.XXXX,,,,, XXXX XXXX XXXX XXXX these people sent me a letter XX/XX/XXXX saying they turned everything over to your company.. and today,, XX/XX/XXXX,,, i was told us bank had till XX/XX/XXXX to respond and they were to send a email to.. XXXX ... ... ... .... i did not receive this email so i would like you to send it again.. thank you XXXX XXXX,, i will call tomorrow
Consumer complaint received 2019-10-26
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: Bread Financial Holdings, Inc. (LA)

Here we go AGAIN with XXXX, XXXX, and Ann Taylor!! 

While one company corrects the false information reported, they put other old information they had once removed back on there or their XXXX XXXX counterpart puts it back on their site and instead of my score going up like it should it continues to go down which makes NO SENSE!! Their explanation to me is Pay your bills on time blah blah blah except this is from accounts that are either not mine or from accounts that have been closed for 8 years and were paid 100 % on time.
Consumer complaint received 2017-09-29
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: EQUIFAX, INC. (WI)

i XXXX XXXX XXXX XXXX have sent complaints to all three reporting agencies about debts that have refused to verify the  debts.  on XX/XX/XXXX a letter of discovery requesting proof of acknowledgement; copy of signature on agreement ,or  acknowledgement of debt document. also requedted was copy of 1 bill of deliquency of debt, and/or debt total ./ repeat letter was sent XX/XX/XXXX, and certified letter in XX/XX/XXXX . all requesting the same thing to these debtors;XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX XXXX. amt $XXXX org. creditor XXXX XXXX XXXX XXXX.  XXXX XXXX acct # XXXX#2   XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX  amt $XXXX XXXX XXXX XXXX XXXX. XXXX XXXX acct# XXXX. equifax acct# XXXX
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am writing to file a complaint regarding the denial of my credit card application with Bank of America, which I believe was wrongfully executed and in violation of consumer protection laws. 

On today, I submitted an online application for a credit card with Bank of America. However, to my dismay, I received a screen message informing me that my application had been denied. This decision came as a surprise to me, especially considering my previous positive credit history and the fact that I was recently approved for a car loan by the same institution. 

Upon receiving a denial, it was indicated that the decision was based on information obtained from a consumer reporting agency. However, under Section 615 ( a ) of the Fair Credit Reporting Act ( FCRA ), I have the right to receive a copy of the credit report that was used in the decision-making process. To date, I have not received any such report from Bank of America, which raises concerns about the transparency and fairness of the decision. 

Furthermore, I believe that Bank of America may have violated the Equal Credit Opportunity Act ( ECOA ) as outlined in 15 USC 1691 et seq. The denial of my credit card application appears to be discriminatory, as there is no valid reason for denying me credit when I have demonstrated responsible financial behavior and have been approved for credit by the same institution in the recent past.

Additionally, under the Truth in Lending Act ( TILA ) as stated in 15 USC 1601 et seq., consumers have the right to receive a written explanation of the reasons for credit denial. While I appreciate the brief explanation provided in the denial letter, it fails to provide specific details or reasoning behind the decision, which makes it difficult for me to understand why my application was denied. 

In light of the above, I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Bank of America if it is found to be in violation of any consumer protection laws. I also request that Bank of America provide me with a detailed explanation for the denial of my credit card application and furnish me with a copy of the credit report that was used in the decision-making process. 

Name : XXXX XXXX XXXX : XXXX SSN : XXXX