davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a home equity loan with Bank of America. It was paid off almost two months ago. I received nothing and all information was removed from online so on XXXX XXXX I called and I told them I wanted an accounting of the payoff since there was noting online. They told me I was to receive a {$260.00} but did not send an accounting which at this point I demanded. I reiterated several times my request for an accounting bringing all information current from my last statement. Subsequently I received a check in the mail for {$110.00} with absolutely nothing else - NO explanation as to how that amount had been arrived at. I called on XXXX XXXX an again demanded an accounting of all activity in the account from the date of my last statement up to when the issued the check. Instead of an accounting today ( XXXX XXXX ) I received a letter saying that the lien on my property was released and I could contact the country recorder to verify it. STILL no accounting. I called Bank of America once more and demanded to speak to the legal department. I got the total run-around. The person who was screening my calls said she had to have my credit card number so she could identify me. I had given her the loan number probably 10 times and explained numerous times that this matter had nothing whatsoever with a credit card. I came to realize that Bank of America is withholding financial information from customers to which they are entitled and no matter what you do you simply can not get that information. I figured if this is their policy they must be making XXXX dollars on the innocent public. I intend to find a lawf irm that is interested in filing a class action suit against them. Manwhile I felt they should be registered here. All I wanted was an accounting from my last statement through to when they issued the refund check and how the amount of the check was determined. I have a right to know that information but they refused to give it to me.
Consumer complaint received 2024-02-20
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. (IL)

I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.
Consumer complaint received 2020-04-21
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. (NE)

A collection account was removed from my credit on XXXX. However, my credit score only increased by 5 points. It should have increased by 23 points, since a collection account was removed from my credit report.
Consumer complaint received 2017-12-05
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I filed on XX/XX/XXXX both by phone and filed on line with XXXX. Reporting that my loan with Capital One Auto finance was incorrect. XXXX has not shown a payment since XX/XX/XXXX. The 1st excuse in improper credit reporting was Capitol One not reporting. 2nd excuse It takes XXXX 90 days to show credit payments. It is now XX/XX/XXXX and I have not received a correction of result.
Consumer complaint received 2015-12-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Wilber and Associates, P.C. (NY)

The collecting agent used extremely rude and abusive languages when they called me before XXXX XXXX and during my work. When I try to get more information about what this debt about, they are refuse to give me more details and keep asking me to give out my personal information. When I refused to give them my personal information, the representative threatened me then hang up on me immediately.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Consumer complaint received 2021-03-24
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: LendingPoint Holdings LLC (TN)

I received my credit report and found an inquiry from this company. I did not apply for credit with this company nor did I give authorization for them to check my report. I believe this inquiry to be fraudulent and I request that it be removed. The inquiry is reported as : LENDINGPOINT on XX/XX/2021.
Consumer complaint received 2017-12-05
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. (AZ)

I requested with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. I included a copy of my credit report with the disputed information highlighted. The items are as follows : XXXX XXXX XXXX XXXX # XXXX Amount : {$10000.00} I have never received a debt collection letter from XXXX XXXX XXXX XXXX. However, I have received a debt collection letter from a company called XXXX XXXX ( same address as XXXX XXXX ) who I believe is acting for XXXX XXXX. I received two debt collection letters from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX for an alleged debt. I sent certified letters in response to XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, requesting validation for the alleged debt. XXXX XXXX did not contact me again in any way or validate this alleged debt and XXXX XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by over a year. 

XXXX XXXX XXXX # XXXX Amount : {$610.00} I received a debt collection letter from XXXX XXXX XX/XX/XXXX for an alleged debt. I sent a certified letter to XXXX XXXX XX/XX/XXXX requesting validation for the alleged debt. XXXX did not contact me in any way or validate this alleged debt and XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by well over a year. 

I sent this information to all three credit bureaus - XXXX, Experian and XXXX and they have done nothing.
Consumer complaint received 2021-02-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation (NM)

On XX/XX/21 at Regional Finance I was approved for a loan even though I never filled out a application. The service was curbside and she brought the paperwork out to me. I asked about the amount, payments and was given vague answers. She not once explained the terms to me. She just continued to have me sign. I asked if she wanted to sit in my car so she could explain the terms to me. She said I cant do that. I know I should have insisted on a explanation of the terms. I trusted she would give me terms and payments I could afford. This was so rushed. She sent me home with the check no paperwork for me to look over. Then I get the payments in the mail XXXX monthly and this is for 3 years at 80.811 %. I can not afford these payments for 3 years. How she qualified me not sure. I do know that on the property she stated items that I do not own. I got this from the branch manager and I did tell her I do not have these items. Life insurance was added in which I did not want. I feel this representative did wrong by lying. Curbside for a loan. I have gone by and others are allowed to go in and sit down to have the terms explained. I also feel I was targeted. The branch manager said I have good credit. Then why was I given this interest rate and 3 years in payments. Something is not right in the way this representative gave me this loan. I was not given any paperwork to take home with me so I could review. I believe this was done intentionally. I should have insisted on having the loan explained to me in detail. I trusted she would do right by me. I was wrong.
Consumer complaint received 2018-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

About two years ago i purchased a copy of my credit report and noticed there exist a collection account for an unpaid XXXX XXXX XXXX and few other account that was not mine and i did not applied for any of them. After contacting credit bureaus i was informed that i need it to file a police report and also an FTC report which i did and send it to credit bureaus and the original source. They all did removed the fraudulent account from my report and everything was great till when i tried to refinance my home and i got turned down due to this collection account which they reinserted on my credit report and re aged it. Again i sent my dispute letters to credit bureaus and the ERC collection agency and in my letters to them i enclosed a copy of my police report and my FTC report. Not only they have not removed this fraudulent account from my credit report they sent letters to credit bureaus that this account belongs to me and been verified. So far this company caused me a great deal of stress and money and i need your help to resolve this issue.
Consumer complaint received 2016-07-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

Despite never, during my 9 years as a customer, being opted in for overdraft services on my checking account, First Citizens Bank explicitly applied XXXX overdraft charges to my checking account on XXXX/XXXX/16 totaling {$72.00}. This was apparently due to a trio of non-reoccurring purchases made over the two previous days using my debt card, totaling approximately {$13.00}. I contacted customer service to see if the problem could be resolved, but they declined to waive the fees. According to their own Basic Overdraft Service Disclosure, they had no choice but to decline the purchases, knowing I 'm not opted in, but they did n't.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (OH)

US XXXX was supposed to send my unemployment debit card on XXXX. As of today, i have not received. I have called 35 times in the last month and after waiting over 2 hours each time, the call disconnects. I have written the Senator a week and a half ago with no response. I have 8 unemployment claims that have been approved by the state, i am unable to access funds due to no card!
Consumer complaint received 2020-05-06
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. (TN)

In XXXX I received a letter in the ail about a bankruptcy, but I didnt pay much attention to it because my names were misspelled and I knew I had never filed for a bankruptcy so i just left it alone. In XXXX I try to finance a vehicle and I was denied because of a low credit score. I left that alone and tried again in XXXX and I was denied once again, I was not understanding why so I finally ask the salesman to show me my report and I wish I would of done this a long time ago. I was furious to kn ow I had accounts opened under my name that i never opened and even more shocked when i saw the bankruptcies. I have never filed for bankruptcy in my life. The things I am reporting from my credit do not belong to me. Please remove these things fro my report as soon as possible. XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2021-03-24
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. (GA)

I recently became aware of several inquiries on my credit reports. I discovered that a previous tenant of mine had fraudulently acquired and used my personal information to obtain credit while he lived with me. I contacted the police and due to a recent outbreak of XXXX XXXX  and XXXX  XXXX in my city they were unresponsive and advised me to take the matter to civil court and because the tenant had moved to another state there wasn't anything they could do. XXXX promptly and professionally removed the inquiries in question but XXXX  and TransUnion have refused to do so, telling me that hard inquiries can not be removed unless there is a police report. I will gladly list the inquiries that were done fraudulently for both XXXX  and TransUnion individually if they contact me so I can list them. 
Additionally, XXXX just lowered my credit score XXXX points with no new negative information being listed as the reason. I will attach a copy I obtained showing the drop and the " reasons '' they have done so. 
I am now not able to obtain credit and am in need of a new roof for my house ASAP.
Consumer complaint received 2024-02-20
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. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (WY)

We have called have emailed the documents that they requested and keep asking for the escrow to be removed. We pay our own taxes, and insurance policy. 
called once a month for the last 6 months. 
. Emailed the company XX/XX/XXXX { attached 2 ( two ) pages showing the following. The XXXX notice of assessment from XXXX XXXX, XXXX Wyoming to the county assessor that this property is not real property, we are asking again the escrow charges be removed from this loan we pay taxes on the land only and separate taxes on the trailer house XXXX XX/XX/XXXX asking for the escrow charges be removed, because we pay our own taxes and insurance policy information. The emailed included 4 { four } documents per their request and they still refuse all of our requests to set loan Straight. 
This loan was FOR LAND ONLY ( loan opened in XXXX ) by XXXX XXXX for the total amount of XXXX ( XXXX ) This loan has been sent to 10 ( ten different creditors since we opened ) Now today Fay Servicing has added escrow charges for taxes and insurance. 
every month on top of interest and principal. My XXXX is a XXXX Veteran, so our taxes are exempt, reducing the amount we pay on the Land Only and our XXXX XXXX,. Our total amount our loan is now {$91000.00}. We pay {$600.00}. dollars every monthly, never late always on time. 
This loan has caused a finial burden on our family, and we can not continue PAY FOR THE ESCOW CHARES. We have always provided any document they requested.
Consumer complaint received 2021-07-13
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: TD BANK US HOLDING COMPANY (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard.

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX Listed below are the Accounts that are being challenged XXXX - XXXX
Consumer complaint received 2018-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Hello Dear CFPB I am writing to ask please assist me to reopen my paypal account which is registered under : XXXXXXXXXXXX. I opened account with paypal with all terms and conditions. One day i got email verify my identity and explaining what transaction i was doing. I said i listed used items on XXXX and sold it there, since i do not accept cash buyer wanted to pay me with credit card and i had no chose to offer him pay by paypal. I accepted money and as all normal people disburs to myself in my checking account. After couple days i got this message. 



You ca n't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 


Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 
Reference ID : XXXX I have done nothing wrong and i feel its unfair to close my account for only reason i accepted payment. Please assist me to reopen and have paypal account because they are largest in the market and if i do not have it i can not even sell anything in XXXX they are monopoly in XXXX i have no choice. I think its not ok to not give option to your clients. Thank you very much.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

On XX/XX/XXXX, I filed a complaint with CFPB about Portfolio Recovering Associates ( PRA ) reporting three unknown accounts with credit reporting agancies. They responded revealing the original credor names and inaccurate dates of when those accounts were closed and charged of to them. 

I would like PRA to correct the records to match the original credtors, whom I contacted, with all credit bureau reporting agencies as follows : XXXX ( XXXX XXXX, account # XXXX ) PRA ( account # XXXX ) opened XX/XX/XXXX CLOSED XX/XX/XXXX PURCHASED BY PRA ON XX/XX/XXXX XXXX XXXX XXXX ( account # XXXX ) PRA ( account # XXXX ) opened XX/XX/XXXX CLOSED XX/XX/XXXX PURCHASED BY PRA ON XX/XX/XXXX XXXX XXXX XXXX ( account # XXXX ) PRA ( account # XXXX ) opened XX/XX/XXXX CLOSED XX/XX/XXXX PURCHASED BY PRA ON XX/XX/XXXX