davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

Dear CFPB, I have now complained about unauthorized hard inquiries through the CFPB and directly with Experian by mail and the entire issue has gone too far and I 'm getting ready to sue both Experian via class action and the companies who made the hard inquiries. As I indicated XXXX times before I only submitted applications this year that guaranteed a soft pull with the exception of a recent inquiry from XXXX XXXX. I have attached and circled in red the inquiries which were " never '' given any type of permissible purpose and clearly stated soft pull on the applications. According to the FCRA and language written on the front of the Experian report a soft pull is not shared with others. I as the consumer should not be harassed and treated like a ping pong ball with both Experian and the original initiator of the credit inquiry giving evasive answers and leaving me with the damage. They did not have any type of permissible purpose in this universe that allowed them to change a soft pull to a hard inquiry. I have been misled and dislike getting the same answer from Experian who prefers to defend the original inquiry because this means money for the company! I 'm tired of being pulled back and forth from both sides.
Consumer complaint received 2016-05-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (CA)

Caliber Home loans charged excessive fees without an explanation on the nature of the charges. Caliber Home Loans charged more fees on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016 after they received the pay off {$770000.00}, .I closed escrow on XXXX/XXXX/2016. 
Caliber Home Loans did not sent any explanation, receipt, invoice or proof of payment to persons or institutions. 
It seems that Caliber Home Loans can charge whatever in a spreadsheet ( all kind of numbers ) and nobody in customer service can explain what those charges are.
Consumer complaint received 2022-09-07
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (NJ)

I have been working with the Department of Education and XXXX  for 2 years trying to get a 90 day late payment from XX/XX/XXXX2020 removed that was given to me during XXXX. I was told if I had made a prior payment arrangement or I was given special accommodations and my loans were not delinquent I would not incur a late payment however I did have a special arrangement made. This is causing me so much pain and not to mention the depressive state I am in because I am constantly being denied for loans and funding. THIS IS NOT FAIR and MY RIGHTS are being violated. I am being treated as though I am not a human being. 15 USC ( F ) Reporting information during XXXX pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XXXX ( XXXX ) pandemic during the covered period. 
( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.
Consumer complaint received 2016-09-15
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: VANDYK MORTGAGE CORPORATION (FL)

I was referred to use this company in the process of obtaining a home loan. They have been extremely careless with my file, requesting extension after extension of the closing date. We have had over XXXX extensions and now the seller has cancelled the file and our deposit money is in jeopardy of not being refunded. On top of the deposit money, we are out of pocket over {$2500.00} on various inspections that were required by Van Dyk Mortgage. In addition to causing the seller to cancel the contract after four months of trying to get it closed they were attempting to charge me nearly {$5000.00} in rate lock extension fees at closing to which I believe is their modus operandi to force extensions so they can pocket thousands of dollars in rate lock fees. They also refused to provide documents for legal review, stating " we do n't like lawyers reviewing our paperwork ''. I am currently out of pocket over {$12000.00} and the company is threatening me with legal action for posting negative reviews of their services. I have documentation to back up my claims and to prove these extensions were through no fault of ours yet they still refuse to even apologize for the 4 month runaround and losing me a significant portion of my life savings.
Consumer complaint received 2017-03-08
Product: Credit card — 
Issue: Transaction issue — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WY)

I was contacted by Alpha Tech on XX/XX/2016.I received a lot of phone calls concerning search engines, key words, algorythms I ended up signing up with them, I paid them {$3500.00} plus {$75.00} per month on my USAA Mastercard , I would like to dispute those charges made by XXXX last year on XX/XX/2016. They promised me a web page, on 1st page in 30 to 45 days all I received was a lot of phone calls from different representatives offering more services and asking for more fees stating in order that my business be successful I needed a new service. Needless to say my website never moved up and I never had a customer inquiry. They have n't done anything that they promised they would and if I had any question I could never get in touch with anyone but they would always call me to ask for more money for sure. I would like to get my full refund from TSE. And I would like to start a dispute on these charges please. They prey on the elderly offering services that you do n't need, they overcharged ( price gauge ) and you lied making promises that you could not fulfill.
Consumer complaint received 2022-03-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was affected by Covid 19 and as a result had a total of 4 payments late in XXXX XXXX and 1 late payment in XXXX of XXXX with Bank of America XXXX I was told at the time of asking for deferring the payments if it would still be reported and advised no. When it appeared on my credit report I called and asked that these be removed and was advised no. I have madw great strides in getting my balance down to below 20 % and would love to just get this behind me
Consumer complaint received 2015-09-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Williams, Alexander & Associates, Inc (NJ)

I filed a complaint with the Attorney General 's Office in New Jersey and the FCC because I currently go to XXXX and there is no way I am in collections with them. I spoke with the XXXX Manager in XXXX, NJ about this and said that it was an error. His name is XXXX XXXX, phone number ( XXXX ) XXXX. You can contact him and he will let you know that this should not be in collections or on my credit report.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

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. 

Account Name : XXXXXXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2022-02-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/XXXX I ( XXXX ) received a transfer of {$3000.00} from a relative from California into my checking account. 

XX/XX/XXXX A Bank of America ( BoA ) rep called me and informed me that the {$3000.00} was drawn from an XXXX account, that I was not supposed to receive XXXX money and my account would be closed and I needed to go to the nearest branch to open a new account. I immediately went to the nearest BoA branch to open a new checking account. The banker assisted me to open a new checking account and transfer everything minus the {$3000.00} to the new account. I was told that the money would be returned to the XXXX office in XXXX and returned to the original sender. My old checking account was closed shortly after. 

XX/XX/XXXX Relative informed me that she have not heard anything or received anything from the fund and proceeded to call BoA to open a claim. Later, BoA informed her that the money was sent to me and I have already received it and there is nothing they can do. For now both of us was out {$3000.00}. 

XX/XX/XXXX I called BoA and inquire about the missing fund, labeled " ACCOUNT CLOSING TRANSACTION : - {$3000.00} ''. After being transferred to multiple departments and giving the runaround, I finally got a hold of a supervisor, who confirmed on call ( I have all audio recordings of the call ) that the account closing fund ( - {$3000.00} ) was currently in BoA internal back office and she would not give me any date or estimated date when the fund will be released. It's been XXXX months since I closed the account and I still have not received a check for the remaining fund. BoA offered no solution and according to them they can just keep the fund there indefinitely without a date of release. The supervisor advised the original sender to call BoA and " recall '' the transaction. 

XX/XX/XXXX Relative called BoA and tried to do a " recall '' but BoA once again told her there is no such thing as a " recall '' and that there is nothing they can do. I then proceed with a formal complaint with CFPB about BoA 's practice.
Consumer complaint received 2017-05-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

The loan company refuses to accept my payments for pay off. They have terrible means of resolution advising I can either use the phone system or send a payment by mail and I do not wish to send because of security issues. Payment systems state my account number is invalid. I work at a bank in the loan industry and I know there limited service and means of payment are unexcusible. I called customer service and they stated that " it should be working '' I just want to pay off my loan and get my title however they reject all electronic payments from my large financial institution. They should be looked into for regulatory compliance.
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is a credit reporting company on my XXXX report named XXXX XXXX XXXX for the amount of {$1500.00} from a XXXX which states it was opened XXXX XXXX, 2013. I have no idea what this charge is for and for whom, I have never received a bill on this charge/account. I have always had health insurance which for any procedure done would have been covered, this charge at this time is more than what my health coverage deductible would have been. This is a inaccurate charge that I am not responsible for and I never had a procedure during this time frame. 
I want this removed from my credit report, which is only reported with XXXX bureau inaccurately immediately. I have no knowledge of this account and it 's falsely reported.
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX - {$170.00} Account was not verified as according to law, no documents were sent.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency have in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within XXXX days of XXXX/XXXX/2016 please remove accounts from my credit report.
Consumer complaint received 2015-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I have dispute the information with the XXXX credit bureaus to no avail, and they will not remove this item from my report. I have submitted a letter from the acutal creditor stating the account is closed and they will remove it. The credit bureaus will not update my reports to remove this account.
Consumer complaint received 2016-04-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Tormey Bewley Corporation (NM)

I had requested more information regarding the debt they were attempting to collect and was told due to HIIPA they could not release that information. After a couple of different contacts I finally received the information in the mail from one of the collectors. I called the Advantage group to let them know that I was disputing the medical charges due to my daughter having XXXX insurances and XXXX XXXX XXXX XXXX were at fault. I received a letter in the mail from the Advantage Group dated XXXX/XXXX/2016 stating that charges were confirmed and had been paid in full with the total equaling {$0.00}.
Consumer complaint received 2017-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of Lancaster County, Inc. (PA)

Credit Bureau  of Lancaster County , Inc   XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX , PA  XXXX   XXXX  : (  XXXX  )  XXXX  Toll Free : (  XXXX  )  XXXX  Fax : (  XXXX  )  XXXX  See below : The company ( Credit Bureau  of Lancaster County , Inc ) s aid  XXXX   XXXX  owed {$270.00} when this is false.   The debt is not mine.   I am  XXXX   years old,  have medicaid and  XXXX   XXXX   XXXX  with co-pays of {$0.00}.   See document.   Thank you.    XXXX   XXXX
Consumer complaint received 2016-03-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (WA)

We are a small XXXX and this home has sat vacant for at least 5 years. We periodically get notices of pending foreclosure that will happen but nothing does. This home owes the association {$4700.00} as of XXXX XXXX, 2016. This home has had multiple break ins and the front door is no longer secure. Additionally the yard is an eyesore.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXXXXXX XXXXXXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2022-02-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

My family was affected by Covid-19, I requested a mortgage forbearance because of the reduction in our income. Carrington granted the forbearance which expires XX/XX/2022. We received a foreclosure sale date for our home prior to the forbearance expiring. I requested mortgage assistance recently and Financials and all required documents have been forwarded to Carrington for them to process our request.
Consumer complaint received 2021-06-06
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: EQUIFAX, INC. (AR)

On XX/XX/2021 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 feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-06
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: EQUIFAX, INC. (NY)

As a consumer ( XXXX XXXX ) and the one with ALL THE POWER, these accounts on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission. I sent these credit reporting agencies a letter on XX/XX/2021 letting them know that these Fraudulent accounts were on my credit report. they were supposed to remove them after 4 days of receiving my statement, but still to this day XX/XX/2021 they have not removed it. this is against the FCRA laws and I feel violated. I pray the CFPB handles this case properly. Erroneous RESULT OF The Equifax /XXXX  Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX  XXXX  and Equifax. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.SO DON'T TRY TO PULL THAT STALL TACTIC. If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). Also i request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove. Please see attached invoice and issue proper CONSIDERATION for damages I suffered immediately upon receipt of this letter.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative
Consumer complaint received 2016-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (VA)

We moved XXXX in XXXX and our renters in our home stopped paying rent so we were unable to pay our mortgage starting in XXXX. The foreclosure on our home took quite a long time and is therefore still on our credit report. I 'd like to complain of prolonged process and hardship for this foreclosure and have it removed from our credit as soon as possible.
Consumer complaint received 2022-08-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland funding at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Has been sending me collection notices in the amount of XXXX the collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

This account belongs to my father. Experian updates the account and states that it belongs to me. My father XXXX XXXX called XXXX in XXXX and recorded to the CS rep. that he did not authorize XXXX to add me XXXX XXXX as an authorized user. He requested that they terminate me from his account and they did. XXXX re-investigated and removed XXXX from my Credit Report. I need Experian to do the same. I request that Experian to review the recordings that my father left with the XXXX Customer Service Rep in XXXX. In doing so, Experian will find that XXXX added me without my or my father 's authorization. ( THIS ACCOUNT DOES NOT BELONG TO ME ).