davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
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. (MA)

On XX/XX/XXXX a dispute letter was sent out, highlighted in red multiple inaccuracies. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970. ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2021-02-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Clear Mortgage Capital, Inc. (CA)

I applied with Clear Mortgage Capital ( XXXX XXXXXXXX XXXX mortgage originator ) to refinance my home in XX/XX/2021. On XX/XX/XXXX, I was provided a favorable mortgage disclosure of loan fees and credits after lender review of my credit, debt and income. Around XX/XX/XXXX, I was prompted to promptly sign a different mortgage disclosure estimate with a {$1700.00} increased pricing adjustment. After disputing the increased fees, the Loan Officer, XXXX XXXX, justified the increase to XXXX XXXX need to subordinate the new loan because of an existing Solar Panel lien on my home. After I explained that the XXXX XXXX XXXX  company confirms their willingness to subordinate their 6 year old lien and that XXXX XXXX  would be in sole lien position as expected, he later responded that any subordination triggers a price adjustment increase and that I have 12 days remaining to accept or reject the loan. 

After applying for a straight refinance for a minor ( .46 % ) interest rate reduction, submitting all reqested personal credit and financial information, and receiving a favorable mortgage loan disclosure estimate from Clear Mortgage Capital, I was surprised and disappointed to receive a subsequent disclosure increase with no logical connection to my credit, debt and financial standing. My experience from this encounter feels like a " bait & switch encounter.
Consumer complaint received 2020-07-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I purchased a XXXX XXXX XXXX in XX/XX/XXXX, XXXX XXXX XXXX was the original lien holder. XXXX XXXXXXXX XXXX was acquired I. XX/XX/XXXX by Capital One Bank, received a letter stating that the bank was acquired and I would be submitting the loan payments to Capital One Bank. I paid the loan off in XX/XX/XXXX. I contacted XXXX XXXX to have a lien release letter sent to me. I was told information could not be found without the VIN, I gave several representatives my name, date of birth, social security number and the VIN. My information could not be found within their system. I am totally baffled by this, especially since I made payments to Capital One Bank for 4 plus years. 
I paid the vehicle off in full.
Consumer complaint received 2019-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp (FL)

Equitable acceptance called me just about two years ago and informed me that the only way for me to lower my payment option on my loan was to go through a company that services loans. After several misleading questions they managed to make me believe that I was unable to lower my monthly payments without their services. I agreed since they informed me that it would be a third of what I was currently paying. Come to find out I didn't need their services to lower my payment and they scammed me into paying them more than what I'm paying towards my student loans.
Consumer complaint received 2022-08-07
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. (NC)

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 an account without my written instructions.

According to : 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.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I have made several attempts to have this issue resolved. I Certified Mail was sent on several occasions.
Consumer complaint received 2022-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-10-24
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: EQUIFAX, INC. (GA)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2019-10-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened a checking account with HSBC bank in their XXXX, CA branch in 2018, with a promise of {$350.00} bonus if I deposit {$10000.00} for 6 months. 

However, I never received the balance despite depositing over {$10000.00}. 

I have raised the issue multiple times with HSBC, and they always claimed that they needed to launch an investigation and keep me informed of the outcome. However, I have never heard from them about any outcome.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

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. 

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 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2019-10-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (DC)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NFCU XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-02-11
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: ENCORE CAPITAL GROUP INC. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX and Midland Credit Management. The Account Opened is XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00}. The Account Opened is XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is Midland Credit Management Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-08-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (AZ)

I moved from the XXXX XXXX to the XXXX XXXX a few days ago for education. Because my current bank is not common in the XXXX XXXX, I decided to open a bank account with Chase. 

My checking account was opened on XX/XX/2021. I called Chase Customer Service about the {$220.00} signing bonus, as I was a student and did not have direct deposit or active income, apart from student loans. The customer service representative said that it was fine and I could receive the signing bonus regardless. 

On the morning of XX/XX/2021, I checked my account to find that Chase had suspended my account to " protect it from suspicious activity. '' When I called them in the evening, I was told that Chase had decided to cease all relations with me and would be closing my account. In addition, I was told that I would be banned from any and all Chase banks and blacklisted from opening any accounts with them further.

Since opening the account, I had not touched it. Despite asking for clarification, they refused to give me any information on what their reasoning was. I wish to know the reasoning, even a general one, for such a dramatic response.

As far as I know, I have a good credit score, have not missed any payments, have a completely clean record. I have ordered and seen my personal XXXX  report and there is nothing to justify their decision. 

If there was a mistake and my account was closed, I could understand, but I can not understand or accept a complete blacklist.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I just looked at my credit report on XX/XX/year> and noticed that some of the information is incomplete or inaccurate and according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The accounts listed below are not complete and accurate : XXXX XXXX ( account # XXXX ) The opened date is not accurate, payment status is incorrect, High credit is not reported correctly, date last active and date of last payment is incorrect. 

XXXX ( Acct # XXXX ) Date late active is inaccurate XXXX ( Acct # XXXX ) Date opened is incorrect, date last reported is inaccurate and High credit and credit limit is not reporting accurately. 

XXXX ( Acct # XXXX ) The date opened is inaccurate, High Credit and credit limit are not correct, and date last reported, date last active and date of last payment is inaccurate XXXX  ( acct # XXXX ) The date opened is inaccurate, the date last active and date of last payment is not reporting accurately. 

XXXX XXXX XXXX ( Acct # XXXX ) The credit limit, past due, last reported date, date last active and date of last payment are all not reported accurately. 

XXXX XXXX Acct # XXXX ) The date opened, the high credit and credit limit are reported inaccurately. The date last reported in inaccurate. 

XXXX ( Acct # XXXX ) The date opened in inaccurate. The high credit, date last reported, date last active and date of last payment are all inaccurate. 

XXXX XXXX Acct # XXXX ) The date opened, high credit and credit limit are all inaccurate. The Last reported date, date last active and date of last payment is also reporting inaccurately.
Consumer complaint received 2022-06-28
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Remex, Inc. (NJ)

I had several MRI 's with XXXX XXXX as a result of a serious XXXX. They submitted the bills incorrectly and I was told they would be reprocessed. Remex, Inc contacted me and I never ran from the calls. When I spoke to my attorney about it, they also contacted Remex to advise they were working with the provider to correct it.

Remex took my account off hold and for {$220.00} dollars it was report to my credit and resulted in an over XXXX point decline. I have had exceptional credit for decades and was furious. I called and they were extremely curt and would not call my attorney to resolve the issue. I suffered a XXXX XXXX  and have XXXX for an serious accident that was not my fault. The last thing I need is to be dealing with this for {$200.00}. I would have paid it but was advised by attorney that according to the provider it was being resubmitted because it was not billed properly. 

They have unfair and unethical collection practices and judging from all the reviews I read that can be verified by others this same thing has happened to. 

Someone should investigate.
Consumer complaint received 2021-02-11
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (FL)

I received a debit/credit card in the mail for my Virginia state tax refund in the amount of {$580.00}. Shortly thereafter, I moved and put the letter with card attached in a moving box. I DID NOT activate the card or do anything with the letter and card. I decided to take care of it after my move. 

I recently found the card after unpacking boxes that were stored in my office storage room for a few years. The card had expired. I called the Go Program to find out if I could get a new card issued to me. I was told the balance was {$310.00} because I had activated the card years ago and was charged a {$5.00} per month inactivity fee. I NEVER activated the card.

After speaking with numerous agents and at least two people who called themselves supervisors, being kept on hold for a cumulative total of HOURS, after being rudely hung up on twice, after being spoken to VERY rudely, I decided to give up with the Go Program customer service and try to get relief online. Unfortunately, when I went on the Go Program website, there is no way to email them or to try to elevate the issue. The website simply directs people to call the same number that I had called several times to resolve my issue.

I went online to try to find out how to elevate this issue and get someone who could help me. All I found online were other horror stories about the Go Program and their horrendous customer service. Since I only had one card, one time, and read about others who have ongoing programs with the Go Program, I decided to cut my losses and learn my lesson. I tried to call back to get them to reissue me a card with the {$310.00} they said was remaining on my card, but lo and behold they never answered. I called numerous times and no one ever answered. Finally, I blocked my phone number and called again. Someone finally picked up, and I went through the process to get them to reissue me a new card and I did not dispute or even bring up with amount on the card. 

I totally think I was robbed of {$260.00} by the Go Program. I am 100 % certain I never activated the card. But I have no remedy for this complaint with Go Program. They don't seem to care one bit. I know I am not the only person who has had problems with the Go Program. I don't know if this complaint will matter in the least, but government entities need to stop using the Go Program.
Consumer complaint received 2019-03-26
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. (FL)

I have been disputing information on my credit file and noticed XXXX XXXX XXXX was reporting 2 old accounts. I asked for XXXX to send me payment history and all they did was send me a statement saying information was accurate. I didn't get any proof of payments or anything.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2019-10-24
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: Experian Information Solutions Inc. (OH)

I have requested proper legal documentation from XXXX XXXX XXXX XXXX XXXX. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP. I HAVE FILE A COMPLAINT WITH THE CFPB AND LOCAL XXXX POLICE DEPT
Consumer complaint received 2019-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MD)

Ditech did not run a correct escrow analysis on my account which shows my property taxes has changed to XXXX which I have a {$660.00} surplus that needs to be issued as a refund and change my monthly payment to the correct amount. Ditech still not reporting my correct mortgage balance each month to all 3 credit agencies. I sent Ditech a copy of my current tax bill which is XXXX ( {$0.00} ) they still are withholding my fund do to their legal team can not do basic math or look at the XXXX website and see I do not have a tax bill. I will provide CFPB with a copy and Ditech again.