davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (TN)

On XXXX, I was informed that I was pre-approved for a mortgage and was provided with a letter documenting this. 
Finding a home where I was looking was difficult and so time passed, and I received updated letters twice : I received another pre-approval letter on XXXX and again on XXXX. 
The letter on XXXX showed that I was locked into a 4.25 % interest rate. 
On XXXX, I put an offer in on a house, based on the pre-approval, and the offer was accepted. 
The deal was for a short close ( 30 days, on XXXX ) and so the lending agent collected all of the information quickly, had me fill out all of the forms, had me open a bank account with his bank, and submitted all of the information to the underwriter. 
During this time ( XX/XX/2022 ), the fed increased interest rates. 
On XX/XX/2022, I was informed that my loan was declined by the underwriter. This was despite having generous assets, a low-risk job, generous income, a top credit score, and being pre-approved. 
When I requested a reason for being declined, I was provided reasons that were based on wrong information. 
I requested that the agent provide the correct information to the underwriter, and he said he would do so. 
On XX/XX/XXXX, he informed me that they would not change their minds - despite basing their decision on wrong information. 
That same day ( XXXX ), I contacted the agent 's manager ( with the head of the mortgage department of the bank on cc ) requesting that he remedy this. 
He replied on XXXX to say that he could not reach the underwriter but that he spoke with the underwriter 's manager and that they were refusing to look at any new information or change their minds. 
I then called a different mortgage lender that same day and was granted a mortgage without difficulty -- though at an interest rate reflecting the fed increase in XXXX -- and was able to purchase the home on time. 

It appears that either : 1 ) the agent didn't want to admit his mistake, 2 ) the agent 's manager didn't want to admit his agent made a mistake, 3 ) the underwriter didn't want to provide a loan at the lower interest rate that was locked in, 4 ) the underwriter 's manager didn't care about my situation ( and/or didn't want to grant the loan at the lower interest rate ), or 5 ) the agent and the agent 's manager were lying for some reason. 

In any event, none of it makes sense - given how easy it was for me to get a mortgage with someone else at the current interest rate. 

And the human side of this was that my spouse and I went through severe mental anguish, became physically ill, had our vacation ruined, had to take dozens of hours off of work, had to pay extra to have multiple steps of the new mortgage expedited in order to be ready by closing, and had our relationship with the sellers strained- when we were still negotiating some last-minute arrangements with the house. 

The actions of First National Bank of Pennsylvania appear unethical and highly irregular.
Consumer complaint received 2023-08-07
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. (PA)

hello my name is XXXX XXXX I recently went to purchase a car thinking I had a blank credit report because I have never used my ssn to obtain anything other than my house in my name. they informed me in the dealership that my credit score was mid XXXX. a shocker to me. I created a credit karma account to check my credit and there were several fraudulent accounts reporting on my report. I notified my local police department and filed a complaint with the ftc. I would like the following accounts listed removed from my credit report as they as fraudulent and I do not know who opened themXXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX AMOUNT OWED {$1300.00} DATE OPENED XX/XX/XXXX. XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX AMOUNT OWED {$950.00} XXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX {$1300.00} XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX. XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX AMOUNT OWED {$0.00} XXXX  ACCOUNT # XXXX XX/XX/XXXX AMOUNT OWED {$360.00} XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX AMOUNT OWED {$0.00} XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX AMOUNT OWED {$0.00}
Consumer complaint received 2022-06-10
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. (IL)

In accordance with the Fair Credit Reporting act XX/XX/XXXX Account # XXXX XX/XX/XXXX XX/XX/XXXX Account # : XXXX XXXX Account # 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
Consumer complaint received 2023-09-28
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. (NC)

I told them I did not understand or authorize, or know about any of the listed inquiries they did not help theyre violating my rights by law as a consumer 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!!
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

Account was paid in full and should never have been turned over to collections. We paid this balance in full, {$200.00} was paid on XX/XX/XXXX another {$200.00} was paid on XX/XX/XXXX and {$380.00} was paid on XX/XX/XXXX. On XX/XX/XXXX the company still attempted to collect a payment of {$480.00} by sending me a debt collections letter saying we had 30 days to dispute but then they reported a collections on my credit on XX/XX/XXXX after the debt was paid in full. When we reached out to the company on XX/XX/XXXX to dispute this and have this corrected we received an email back from XXXX XXXX on XX/XX/XXXX stating that it was due to an internal error on their part and that we were actually getting money back because their system was reporting incorrectly. The collections still remains on my credit and should be removed.
Consumer complaint received 2023-05-09
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (CA)

Vehicle registration paperwork has been in limbo since XXXX. Have not been able to register vehicle and not able XXXX XXXX vehicle because of this. Late and missing payments due to loss of hours at work and recently suffered a work related injury resulting in partial amputation on left hand. Chase has not resolved the XXXX registration issue and not willing to work with me about payment options. Most recently a payment which would have kept me from going beyond XXXX late has been returned, forcing me into full payment of remaining balance or repossession of vehicle. Chase claims to be mailing paperwork but I have yet to see anything since XXXX of XXXX. And messages they claim to have left have not been received due to callers not identifying themselves as part of Chase Bank. Please Help.
Consumer complaint received 2019-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Green & Sons Agency, Inc. (UT)

XXXX XXXX XXXX has improperly reported debt to the credit bureaus knowingly that the debt they allege is a result of identity theft. Additionally they have uploaded documents stating this was a debt I owed but after carefully reviewing the documents they uploaded to the CFPB the name had " XXXX. XXXX '' on all the documents they have failed to provide actual documents with my signature and 100 % veritable proof under the FCRA which states the proof has to be 100 % accurate and verifiable to report any information. How is this 100 %??? 


Police report of the allege debt occurrence REPORT NUMBER : XXXX
Consumer complaint received 2022-08-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent XXXX and XXXX and also transunion a detailed police report to make them aware I was a Id theft victim for XXXX XXXXXXXX and XXXX XXXX  XXXX I mailed them a police report and I emailed them a police report there investigation failed to remove the id theft account from my credit report creating hardship for me obtaining credit my score was good before all this I have been fighting with credit bureaus for over 3 months to fix this and they are in violation of fcra for not removing the Id theft debt after I produced a police report for XXXX XXXX and XXXX XXXX accounts and inquiries on my credit report Im asking these agencies to please remove this permanently off my account so I can get on with my life XXXX XXXX was removed once before than added back XXXX failed to investigate and put a pending satus on my report instead of full removal and its been past 30 days
Consumer complaint received 2023-11-20
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. (MS)

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  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-09
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. (FL)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-12-05
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: CAVALRY INVESTMENTS, LLC (FL)

XXXX XXXX XXXX XXXX XXXX settled this account, Settlement Amount {$800.00}! I enrolled this account, XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX Enrolled Balance ) at that time was {$830.00}. Between XX/XX/XXXX and XX/XX/XXXX ( Two Years ) the balance rose to {$1300.00}. At this point it was settled for {$1300.00} XX/XX/XXXX ; Settlement Amount {$800.00}, Settlement Percentage 60 %, Debt Reduction {$39.00}, Settlement Fees {$170.00}. 

PROBLEM : Cavalry Portfolio Services has received payments in accordance with the payment plan through XXXX XXXX XXXX XXXX XXXX. Cavalry Portfolio Services refused to document these payments to XX/XX/XXXX, XX/XX/XXXX &XX/XX/XXXX Cavalry Portfolio Services reports & XXXX on the Credit Report. How can this be correct when the settlement balance was {$800.00} & Cavalry Portfolio Services received monthly payments from XXXX, a period on one year?
Consumer complaint received 2019-05-05
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. (FL)

This account was previously removed by all three credit agencies XXXX, XXXX and experian.There is someone with a similar name as mine and some of there credit items are being reported on my credit report, this item was removed from my report and placed back on my report without my knowledge.I was not notified that this was placed back on my report nor did I received verification or validation that I asked them to send me verifying that this is my account so the account was removed.Then it was later placed back on my report. 
Agency : XXXX XXXX Original creditor : XXXX XXXX XXXX balanceLXXXX   account # XXXX
Consumer complaint received 2022-09-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (SC)

Account number ending in XXXX was sold/ transferred to XXXX XXXX XXXX XXXX and with the assistance of the CFPB I was able to stop them from reporting inaccurate information to my credit files and to cease and desist. 

Since the time of the complaint. An unnamed authorized representative of Citibank , N.A . mailed a letter dated XX/XX/XXXX, requestion my personal private information based off my dispute with XXXX XXXX XXXX XXXX. ( See attachments ) Neither Citibank , N.A . nor XXXX XXXX XXXX XXXX are Holders in Due Course and I would like to know the name of the authorized representative who released the information provided to XXXX XXXX XXXX XXXX in efforts to collect an alleged debt. 

Citibank N.A does not have a permissible purpose to contact me in efforts of obtaining my private information. Please be advised XXXX XXXX XXXX XXXX have cease and desist as Ive previously requested and there has been no damage to my credit files regarding their debt collection attempts. 

I will not release any information to Citibank N.A. Please cease and desist. An honorable Holder in due course would be able prove any contractual agreements with an actual authorized representative. 

Please be advised the computer-generated letter provided by Your Security Operations Service Team XXXX Is not an authorized representative as Citibank N.A. are not Holders in Due Course.
Consumer complaint received 2019-05-05
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. (FL)

This account was previously removed by all three credit agencies XXXX, transunioun and XXXX.There is someone with a similar name as mine and some of there credit items are being reported on my credit report, this item was removed from my report and placed back on my report without my knowledge.I was not notified that this was placed back on my report nor did I received verification or validation that I asked them to send me verifying that this is my account so the account was removed.Then it was later placed back on my report. 
Agency : XXXX XXXX Original creditor : XXXX XXXX XXXX   balanceLXXXX account # XXXX
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( ORIGINAL CREDIT - XXXX XXXX XXXX ) DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMMONWEALTH OF VA violated my rights I have not supplied proof under the estoppel by silence, Engelhardt v. gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-01-31
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. (MD)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/2023 and XX/XX/2023 : When the balance in my checking account indicated that it was available, I transferred {$750.00} and {$250.00} from the checking to the Capital One credit card to pay off the balance. Instead, Capital One reversed and rejected the payments on XX/XX/2023 even though the Capital One representative confirmed that the funds would be available by the 3rd business day. 

XX/XX/2023 : I attempted to make another payment for {$1000.00} from my personal checking to the credit card because Capital One informed me that funds would be available but on XX/XX/2023, the transaction was reversed and rejected again. 

XX/XX/2023 : I received a letter in the mail from Capital One credit card department who informed me that they are force closing my accounts.
Consumer complaint received 2020-12-24
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. (CA)

After numerous certified letters and FTC Identity theft reports, Transunion still fails to correct my credit report. This is may last attempt to reach out and request to have the following accounts blocked from my credit report or I do will not have a choice but to file a suit against Transunion. 

Account Name : XXXX Account Number : XXXX Reason : Identity Theft
Consumer complaint received 2022-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I went to the car dealership they ran me for financing without my consent multiple times! Listed below are all the times I'm aware that they ran my credit. 

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 The rest below were pulled off my Trans Union credit report that I am unaware of. 

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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-18
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2019-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I had an account with XXXX XXXX XXXX XXXX. The vendor, XXXX XXXX, in XXXX, did not complete the job I paid for and cause additional damage to the transmission. I had to have the job re-done at XXXX XXXX  XXXX in XXXX, and the owner agreed to supply me with a letter stating the damage was caused by XXXX 's mechanic. I submitted the documentation and asked for the charges to be reversed as per my contract. XXXX refused, so I disputed the charges. On XX/XX/2018 I settled with XXXX through XXXX, XXXX 's collection agency, who agreed to list the account as " paid in full, '' without any derogatory comments, including the account having been settled or any monetary amounts having been " written off. '' At the time, I needed to have the account cleared per the requirements of my mortgage company who was financing my new home. 

I have a voice recording of the conversation with the agent from XXXX who agreed to these terms, and a letter from the collection agency, XXXX, stating these are the terms. 

XXXX has assured me that all the credit bureaus were notified of this update, but all three credit major credit bureaus ( XXXX, XXXX, and Transunion ) all have inaccuracies still listed.