davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CA)

I had the misfortune of working with XXXX and US Bank in XX/XX/2021 when I was looking to buy a family home in XXXX XXXX. The interactions started strong. XXXX provided competitive mortgage rates, issued a pre-approval for a mortgage amount far greater than I needed and was fairly quick to call me back ( always on his cell phone never on a recorded line ). This positive beginning gave me the false confidence to dismiss the other lenders and focus entirely on US Bank, a decision I would later strongly regret. 

The requests for documents started to come through very piecemeal ; a statement on one day, a screen shot two days later, another statement a couple of days after that. There didnt seem to be any set plan on the documentation needed to process my application. This made the whole ordeal extremely drawn out which posed a serious problem with meeting the escrow date targets.

The mortgage requirements also changed considerably. 3 weeks into the discussions the amount of cash needed to purchase my house was increased arbitrarily by $ XXXX, a sum that thankfully I was just about able to raise. This increase was not for an additional downpayment the LTV of the mortgage was to remain the same it was simply an additional requirement with no further details given. XXXX repeated asked me whether my mom could lend me money or whether I had any siblings generous enough to gift me some cash. He had no idea of my person circumstances and I found these questions unprofessional and intrusive. He even went as far to suggest that I take out a person loan, have the money deposited in an account that did not have visibility on, transfer the money to my spouse so that they could deposit the cash in the escrow account to make it look like a gift. Although this all sounded very unprofessional and possibly illegal, I reluctantly agreed. At this point I was too far involved and it was too late in the process to change to a different lender. After doing this, as you would expect, my FICO score plummeted as I took out an unsecured loan. 

In the end, due to XXXX incompetence and mismanagement of the whole ordeal, I was forced to back out of the house purchase which was a severe setback to myself and my family. He inability to do his job lost me a house, a considerable amount of money in the form of fees and other charges, and also took up a huge amount of my time.
Consumer complaint received 2022-09-24
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. (WA)

Since XXXX I have struggling with fraud on my personal identity. We got someone in XXXX the file IRS fraud taxes under my and wife social security numbers. Police report was file back in XXXX for identity theft, A other police report was file back in XXXX do to identity theft again. In XXXX of XXXX and XX/XX/XXXX. I got a letter from State of Washington Department of Licensing. That my personal information including SSN, ID, Address, email, full name, date of birth. XXXX exposed do a data breach to their systems. Some account ware open under my personal information. I have a new police report for identity theft I have file with the city of XXXX WA. Now this account is showing on my 3 credit reports agencies XXXX, TransUnion and XXXX, one months ago and it was place back on my credit report. I have disputed this account 3 times now, is not my account this a fraud open in the middle of the pandemic. I have requested to delete this account on my personal credit report do to Fraud and Identity Theft : to TransUnion, XXXX and XXXX to delete this account on all from my credit report and increase my XXXX XXXX to XXXX point how it was in XX/XX/XXXX. On Negative Collection and ChargeOff : ( XXXX ) XXXX XXXX XXXX # XXXX Date Opened : XXXX XX/XX/XXXX Balance : $ {$51000.00} ( XXXX ) XXXX XXXX XXXX # XXXX? Date Opened : XX/XX/XXXX Balance : {$440.00} ( XXXX ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00} XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.
Consumer complaint received 2021-05-27
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Key 2 Recovery, Inc. (TN)

I received a letter in the mail informing me of the debt collection from Key 2 Recovery for a little over {$7000.00}. After speaking with them initially, I told them that I could only pay a small amount due to only being part time. I also asked them on the initial call that I did not want them calling my job, since we are not allowed to take personal calls. 

The second time I spoke with someone, they were very rude and not understanding of my current financial situation. The woman I spoke with then asked for my work information ( name, phone number, etc ) and I refused to disclose that information and again told them that I did not want them calling my job. 

On XX/XX/2021 at XXXX, they called my job. I answered the phone and told them that I have told them twice to not call my job. I then went and called the company again from my personal phone and spoke with someone who then said that it just now said to not call while I was at work and the number was removed.
Consumer complaint received 2022-07-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NJ)

I received a call from XXXX XXXX ( their address is XXXX XXXX XXXX XXXX XXXXXXXX and their phone number is XXXX ) on XX/XX/XXXX. XXXX XXXX is a collection agency that claims that Navient has given them my account for collections services due to non payment. I contacted Navient at the number I have been contacting them for the last 7 years ( XXXX is Navient 's phone number ). That department of Navient informed me that my account was not transferred and that they received my most recent July payment and that I have future payments scheduled through XX/XX/XXXX. 

I called XXXX XXXX back and informed them that Navient states my account was never transferred to them. The representative from XXXX XXXX gives me another Navient Phone number and tells me to call that new Navient Number ( XXXX ) When I contacted the new Navient number ( XXXX ), this Navient Representative tells me that loans have been transferred to XXXX XXXX but can not explain why the other Navient department could not explain why the other department did not see this.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the fair credit reporting act XXXX  account name and numbers : XXXX XXXX Account number XXXX, U S DEPT OF EDXXXX Account number XXXX, U S DEPT OF ED/XXXXXXXX  Account number XXXX has violated my rights. 15 U.S.C. 1681 section 602 A, states that I have the right to privacy.

15 U.S.C. 1681 section 604A section 2, also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-02
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. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX IC Systems reported a derogatory debt on my credit report that was already paid to the original creditors XXXX XXXX  in 2020 which violated my rights to privacy. 

Ive tried reaching out to then on several occasions via mail and phone, yet they failed to provide me with verifying proof that this debt is owed to them. Ive spoken with different representatives explaining that I returned all equipment and paid the company directly and they failed to remove this debt from my credit report. 

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

This violation has caused me great grief as to my credit score.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

On XX/XX/XXXX, I contacted Equifax credit bureau to dispute an account reported in collections, that had already been deleted in XX/XX/XXXX. 
I spoke with the representative, and she agreed that she saw that the account had been deleted a year ago, due to fraudulence. She reviewed that I sent in a letter a long with the police report. 
She then told me that they would have to reinvestigate. Of course I was confused, but I allowed it. 
This morning XX/XX/XXXX, I spoke to another associate ID # XXXX she stated that they verified the account. 
I asked her what was used to verify the account. 
She stated that the furnisher provided the correct balance and name on the account. 
Being that I am claiming the account is fraudulent, I asked if the furnisher provided proof of contract with my signature and proof of Identification. 
She stated that they DID NOT provide such proof. 
She then demanded that I send all the information SENT LAST YEAR, AGAIN, because they no longer have all the documents Sent prior, that caused them to delete the account in XX/XX/XXXX. 
I find this to be ridiculous! I recently had to have other aliases and addresses from my report that did not belong to me. They also do not have all the positive accounts that belong to me on my report with them that appear on XXXX and XXXX. 
( This is clearly an error on their part due to a partial reinvestigation, and continuing to allow false information on my reports. Which I failed a claim on the data breach suit. ) When I asked to speak to someone else, she told me that she has no legal department for me to speak to. She then told me she would have to disconnect call, when I asked for her associate ID, because I had her on speaker phone. ( while sitting in my car alone ).
Consumer complaint received 2022-04-25
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: DISCOVER BANK (MA)

Dear Discover, Remove this Discover account number : XXXX, date opened on XX/XX/XXXX, for inaccuracy because you are reporting inaccurate and incomplete payments history Information on my XXXX and XXXX credit reports. 

I disputed the inaccuracy on the dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via XXXX and XXXX certified mail but the inaccurate incomplete payments history remained unchanged and inaccurate on my credit reports on XXXX and XXXX affecting my credit score. 

Discover is not reporting any of my previous positive payments. Discover wiped out all my payments history and I attached the supporting documents for you to review please follow the fair credit reporting act ( 15 u.s.c. 1681 ). 

Sincerely, Today 's date is XX/XX/XXXX
Consumer complaint received 2020-04-16
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: RateGenius Loan Services Inc (NC)

Was sent the following text from rategenius, I have never applied for credit or refinancing with rategenous. How did this company get my credit information and private number which is not listed. This is credit fraud! 

Hi from RateGenius! We got your auto refi application ( App # XXXX ). We will review and reach out with next steps soon. XXXX Reply STOP to unsubscribe
Consumer complaint received 2021-05-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Lending Club Corp (WA)

I am an investor with Lending Club and have been for 7 years. I want to withdraw the bulk of my investment ( {$3000.00} ) and transfer it into my checking account which is the original account that funded my investment however when I tried to do so on XX/XX/2021 I received an error message. Since that date I have called and sent Lending Club emails at least eight times and each time I get emails back saying my bank account is now attached. When I called to say it wasnt I was told I had to do it manually because 7 years was too long to keep my bank account active. Now every time I call and while on hold I get an email saying my bank account is attached but I still am getting the error message. Yesterday I left a voice message which hasnt been returned and sent an email stating that I was getting ready to file a complaint with the FTC but that also wasnt returned. I am beyond frustrated and do not know what to do. Can you help? 

I have emails that state when I started this process and several that state my bank account is attached but its not.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA violations : inquires not mine RESIDENT VERIFY Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Apartment complex XXXX XXXX XXXX XXXX  XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX TEXAS, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : payments never late XXXX XXXX BANK XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid , Closed. 

FCRA violations : accounts not mine XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$840.00} Status Collection account. {$840.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$730.00} Status Account charged off. {$730.00} written off. {$730.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$10000.00} written
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I mailed letters to Equifax advising them that. As a consumer by law these accounts on this letter must be deleted immediately ''. I only received a response when filing a complaint here, these accounts still have not been removed. I have also previously asked these bureaus to update incorrect addresses and names listed on my report and they have failed to correct this as well. As requested I want these removed now. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to an attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or alleged credit grantor can act as a debt collector.
Consumer complaint received 2018-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (LA)

This supposed debt owed to XXXX in the amount of {$480.00} was reported to credit bureaus about a year ago in XX/XX/XXXX by a collection agency named XXXX. I disputed the verification of this account. The debt account was then removed from my credit report. But, on XX/XX/XXXX, a collection agency by the name of AFNI has reported the exact same claim for this XXXX debt with a balance of {$480.00} to the credit bureau. Not only are they reporting a debt which was previously disputed and removed from my credit report by another company, but they have also placed a renewed date in which the former disputed debt was reported. I would like AFNI, Inc to provide accurate documentation which shows the validity of this said debt owed by me and/or remove this claim from my credit report immediately.
Consumer complaint received 2022-08-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CA)

We, XXXX XXXX XXXX and my husband, XXXX XXXX XXXX XXXX want to complain about our mortgage company , The Money Source, using predatory collection. This is our situation : We just finished paying a {$41000.00} XXXX  XXXX bankruptcy plan. 
During the plan, we fall behind with our mortgage payments. Our mortgage company , The Money Source took our case to court, and the court order that we pay a total of {$13000.00} in arrears. We paid that amount in three installments : {$1100.00} in XX/XX/2020, {$1100.00} in XX/XX/2020. The balance we paid with two checks totaling {$11000.00} on XX/XX/2020. 
After that, the monthly statements we received from The Money Source were very confusing. They always displayed a ( big ) balance still due. I made all the payments by phone, and I would ask the operator how much we really owed, if we still were behind in payments, which we were sure we were not. I was told every time that we were fine. Then we started getting letters saying we were behind and that we were going to get foreclosed. I called their collections department on XX/XX/XXXX, to get clarification. I spoke with a collections - our account is in collections! - representative who explained to me that we owed one month, plus {$920.00} fees in " corporate advances '' incurred for several visits to our home by investigators to make sure we were still living here (!!! ). I explained to her that we, my husband and I, believed we were not behind, because we have been paying faithfully after we paid off the amount in arrears. She said we were behind one monthly payment ( {$2300.00} ) plus the {$920.00} " corporate advances '' fees. Both me and my husband are very upset for getting this warning of foreclosure letters. We paid the amount in arrears, besides having to pay the IRS $ XXXX in back taxes. And this The Money Source company is not helping by sending us predatory letters, using the " foreclosure '' language.
Consumer complaint received 2022-03-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CT)

Dear CFPB, I have had a student loan of XXXX with AES the past several years. Last year I/ we set up a payment agreement over 160 months starting at approx. $ XXXX, the six months later approx $ XXXX and the six months later approx. {$230.00}, etc. A graduated payment plan. 
Well two weeks ago, I received a letter from the stating I have a new payment plan which would start this XXXX. This included {$220.00} for the $ XXXX loan and another {$65.00} for the $ XXXX loan! 
That amounts to almost {$300.00} dollars a month! I am XXXX y o, XXXX  and just filed bankruptcy which was XXXX in XX/XX/XXXX. 
I had a legally binding contract with them last year and now they tell me I have a new higher plan without even contacting me??? They then sent me a letter last week asking me how I felt about this new payment plan. Well I feel its XXXX!! I believe what they are attempting to do is illegal! 
Please help me resolve this matter. Some of the practices by these XXXXtudent Loan companies are ridiculous! 
Thank you, XXXX XXXX XXXX XXXX, CT. XXXX
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax, XXXX, and XXXX  has continuously and falsely verified this alleged account. XXXX, equifax and XXXX  have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board. 

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt.

Also the debt collector ( synerprise ) is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX
Consumer complaint received 2022-09-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (TX)

Debt Recovery solutions company try to collect a debt from I sent them a certified letters for The Original purchase Agreement to show that can legally collect this alleged debt proof that the debt was assigned to them like the bill of sale an Assignment or a receipt between them and XXXX XXXX XXXX XXXX.Debt Recovery Solutions Company is the creditor reporting inaccurate information on my credit report.They can not provide me with these documentation I asked them to delete this account immediately as its damaging my credit rating.I no account with Debt Recovery Solutions and if I have a account with XXXX XXXX XXXX XXXX XXXX not saying I do I never gave them permission to sell the Debt to Debt Recovery Solutions. Debt Recovery Solutions have 15 day to provide me with documentation I ask for if not I will file a lawsuit against them for damages and defamation of character