davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/XXXX, my wife was laid-off from work due covid-19. I called the mortgage company that I was having a hard time making the monthly payment. 
They put me in a forbearance and ended XX/XX/XXXX. I called the mortgage company to apply for mortgage assistance. I filed my documents on XXXX XXXX. The mortgage company replied and received the documents dated XXXX. XXXX. The only options they gave were short sale, Deed-in-Lieu of Foreclosure and pay the past due amount of {$18000.00}. In my application, I told them that I can resume paying my monthly mortgage. My salary increased from {$12.00} to {$14.00}, my social security also increased from {$1700.00} to {$1900.00}. My son also lives with us that is willing to contribute. 
I was very disappointed because of the options I got from them. They said that my financial hardship was not temporary. How can they say that after I mentioned to them all the changes to my income. I also got a renter recently to help pay our mortgage. We love our Home and we don't want to lose it. We are the original owner for 18 years. 
Please we need your help to save our house. 
Thank you and God Bless.
Consumer complaint received 2021-09-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Recently, I paid for my mother in laws funeral and was double charged. It's been over a week now and USAA still has not fixed my account. I have direct deposit and the money is getting eaten up by the overdrawn account. My account has been overdrawn by over {$5700.00} since XX/XX/XXXX. USAA admitted this was an error on their end but everyday they give a different refund timeline. At this point all of my payments are behind and at risk of disconnection. I have even escalated this issue to their CEO relations team and they have refused a temporary credit even though they know funds have been released by the 3rd party bank.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had a freeze put on my 3 credit bureau reports in 2013. They are still in force. Some one impersonated me while enrolling in credit monitoring at Transunion. They had my social and date of birth information. They were asked questions that were generated by my credit and answered them correctly. ( I have seen some of these questions, which any 10 year old could figure out the answer. ) I would like to know why Transunion releases credit reports when there is a freeze in place? When I re-lease my car, I have to release the freeze to get approval, but anyone with a credit card could get a copy of report immediately? 

This makes no sense to me. Can you help me secure my credit reports?
Consumer complaint received 2017-05-21
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc (CA)

I purchased a {$500.00}  XXXX  Gift card in   XXXX    back  two years ago. I used {$250.00} of the balance of the card. Last year my   XXXX    account got suspended without further explanation but my gift card was still linked to that account. Because of that, I can no longer use the {$240.00} remaining balance of that card. I tried to contact the company for a whole year already but got  pushed around between department. The last time I contacted them was    X/XX/2017 .
Consumer complaint received 2020-12-07
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. (MI)

I've held my XXXX XXXX card account uninterruptedly since 1982, as is evidenced on the front of my current XXXX card. I've had a continuously solid payment history with XXXX for over 38 years. My XXXX card recently changed from a XXXX XXXX to a XXXX XXXX XXXX card, but my length of continuous credit with XXXX XXXX remains at 38+ years. The problem is, my current credit report lists my " Length of Credit History '' as only 14 years ( that is the length of time I've held my 2nd-oldest card, a Visa through XXXX XXXX XXXX XXXX ). This erroneously-shortened length of credit history is having a negative impact on my credit score, lowering it by several dozen points. Please correct my length of credit history to reflect all my years of solid credit with XXXX XXXX. Thank you!
Consumer complaint received 2022-01-17
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. (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OH)

USBank ( hereinafter USB ) did repeatedly fail to correct the error that resulted from gross incompetence resulting from USB staffing cutbacks and their banking USB Agents. 

MULTIPLE EFFORTS WERE MADE TO ENABLE USB TO RECTIFY THEIR ERROR. 

Proof of offer enclosed. 
See Attachment ( EXHIBIT A ). Proof of fact is that I paid off my HELC in full and then borrowed the full paid off amount again to obtain a lower 3.99  % fixed rate. See USB account records from USB ( EXHIBIT B ) in USB account data file.
Consumer complaint received 2020-11-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

At the end of XXXX 2020, I closed on a refinance, with XXXX Loans paying off my mortgage to Bank of America. Based on discussion with a XXXX  Loans representative, the payoff was made with a wire transfer on XXXX/XXXX/20, which was the agreed upon disbursement date on my Closing Disclosure. Bank of America claims they did not receive payoff funds until XX/XX/XXXX and charged me 7 days of interest ( {$460.00} ) instead of 4 days ( {$260.00} ) as I expected, based off daily interest of {$66.00}. Bank of America also did not provide confirmation that my loan was paid off with a final statement or otherwise until I specifically contacted them to request the transaction history. 

XXXX  Loans provided me the following reference numbers for the wire transfer, which they say was made on XXXX at XXXX EST : Federal Reference Number : XXXX Bank Reference Number : XXXX Bank of America was unable to confirm or provide reference numbers for the received payoff payment.
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OK)

Since XXXX XXXX I found out that my SSN and my wife 's SSN were part of the Equifax data breach via their web site https : //www.equifaxsecurity2017.com/am-i-impacted/ I have been trying to follow the instructions on their web site to place a freeze and to enroll in their identity theft service. However I have not been able to successfully place the freeze, enroll or other wise access their identity theft service. I have tried almost daily to verify that a freeze is on the accounts but I either get a server busy error or a message saying that they will send a verification email that never comes.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

Never rent an apartment with that address, Collection agency can not confirm that the debt is belong to me moreover collection agency has no evidence, only my name and date of birth which is can not be used for debt validation, cuz its public information.
Consumer complaint received 2021-11-04
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. (NJ)

I came across a bankruptcy on my credit report that was not fully verified. I disputed on XX/XX/2021 this information to TransUnion and they claimed that it was verified XX/XX/2021. I asked for a description of procedures along with the source who provided them the information. On a phone call XX/XX/2021 they refused to provide the source other than stating that the courts hired a third party to verify the Information. Before filing the dispute I reached out to the court house and they responded to me in writing stating that they don't provide any information to credit reporting agencies or third parties and that they are unaware of how credit reporting agencies get there information. I also provided to the courts an Affidavit of facts that was notarized because I didn't authorize the release of any personal information. I then went on TransUnions 's website and came across XXXX and XXXX is the vendor for public records in which TransUnion records. Problem is, if TransUnion did a proper investigation from XX/XX/2021 dispute then they would have realized that XX/XX/2021 XXXX removed the alleged bankruptcy because it was unverifiable. On XXXX 's website it states " TransUnion, not XXXX, matches bankruptcy information to the TransUnion consumer credit files. '' XXXX trying to understand why TransUnion would tell me that the court house hired the third party? How can TransUnion trust this information if XXXX hasn't verified this XXXX before selling it to TransUnion? I want to make TransUnion aware that they must fully understand by law that they must fully identify anything they get from a reseller or vendor. This not only includes the name and address but it must include date of birth and full XXXX dight social security number. The FCRA also states that a bankruptcy may be on a consumers report up to 10 years but it never stated that it must be on a consumers report. Lastly I pulled a XXXX  report with the docket number provided on the consumer report and it lists incomplete information which makes the report unverifiable by not listing all 9 dights of the social security number and does not have any report of a birthdate making it unverifiable. In this complaint is attached of all the evidence that TransUnion should have investigated but they failed to do so because they would have to delete the bankruptcy that they erroneously reported.
Consumer complaint received 2021-10-08
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: TRUIST FINANCIAL CORPORATION (CA)

While XXXX and XXXX have properly fixed this issue, XXXX has committed numerous FCRA violations starting with not even ACKNOWLEDGING the certified mailing disputes.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

Despite my persistent efforts to address these concerns, they persist without resolution. Your firm 's response to my dispute of items on my credit report dismisses my request for verification as " frivolous '' or " irrelevant. '' However, I must emphasize the importance of this matter to me. If my initial request to verify these items, as outlined in my previous certified mail, continues to be disregarded, I will have no choice but to escalate the matter further by filing a complaint with the Federal Trade Commission. It is imperative that a thorough reevaluation of the information is conducted. Therefore, I respectfully urge your firm to provide validation of the alleged items, particularly through documentation such as contracts, notes, or signatures. Failure to provide such evidence will necessitate the immediate removal of these disputed items from my credit report. I trust your firm will handle this matter with the necessary seriousness to ensure a fair and timely resolution.
Consumer complaint received 2022-01-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

upon checking my report I stumbled across fraud on my account. after closely reviewing the information furnished on my report I can not understand nor remember going into a agreement with this company. They are furnishing bad reports and being deceptive to the system, my credit report and Transunion are allowing them to violate my consumer rights. I certified mailed a verification of debt and cease all communication until all things are solved but this is still on my credit until this day. Tranunion and this company received certified correspondence from me. attached is the document I sent to both companies
Consumer complaint received 2022-08-09
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)

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. 

XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX  XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022 & XXXX Date of Inquiry XX/XX/2022
Consumer complaint received 2022-01-17
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. (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (TX)

I paid my mortgage in full in XX/XX/XXXX and under XXXX the account still shows open with a {$260000.00} balance it also shows a payment in XX/XX/XXXX from when I opened a dispute through XXXX against Shellpoint but I have not made a payment since the payoff in XX/XX/XXXX. The XXXX XXXX report shows closed with an outstanding balance of {$260000.00}. The XXXX report shows closed with a {$0.00} balance. When I call Shell Point, also operating as New Rez, they confirm that the account was paid in full in XX/XX/XXXX and they have closed the account. I have disputed this through the credit agency and I have also called them and tried to get this resolved to no avail.
Consumer complaint received 2022-01-17
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. (NY)

This item is reporting late, yet it is closed and the balance is XXXX as reported in my Experian. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX )
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Checkr, Inc (FL)

I applied for employment with XXXX and XXXX. Checkr is stating that I need to download a copy of my driver 's license. The link the company gives does not work. When I contacted Checkr with the issue I get the same automated response via email that I need to download my drivers license. The link to download the driver license does not work, when I spoke to the representative at Checkr, they tell me to try again and if I have the same problem to call back. I called back and I receive a recording that they aren't accepting phone calls. The company is having me go in circles and preventing me from obtaining employment by not listening to my complaint that the link is not working. I sent a copy of my driver 's license via email and I'm told that it's not acceptable and I must upload the document. I can not do that as the program has a bug which is not allowing the upload and therefore I am unable to work. I have screenshots of what happens when trying to upload to help resolve the issue but the company looks the other way and states due to Covid-19 the offices are closed and there is only home based assisted representatives who can not help. It's ridiculous.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXXXXXXON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX, XXXXXXXX XXXX XXXX XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.