davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
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)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (NJ)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX  sued by Cfpb before for not applying payments to consumers accounts correctly?
Consumer complaint received 2023-02-21
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AR XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2019-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Hello, my name is XXXX XXXX XXXX, my wife 's name is # # # # # # # # # # # # # # # # # #. On XX/XX/XXXX, Specialized Loan Servicing received the final payout payment on our 15 year mortgage, account #. The payment was an automatic electronic debit from a XXXX XXXX checking account ( see line below, cut and copied from the electronic statement ) XX/XX/XXXX SPECIALIZED LOAN SPECIALIZE # # # # # # # # # # # # # # # # XXXX XXXX {$2000.00} Over a month after the final payout was deducted from our checking account, we received a letter in the mail with the letter head Specialized Loan Servicing Part of the XXXX XXXX , dated XX/XX/XXXX. 
The first two lines are as follows : " Dear XXXX XXXX XXXX & # # # # # # # # # # # # # # # # # # According to our records, the above-referenced mortgage account is delinquent. '' On Friday XX/XX/XXXX, my wife telephoned the listed XXXX number, and spoke to XXXX ( a representative of SLS on a recorded call ). XXXX informed my wife that the account balance had been received, but had not been applied to the loan. The balance was fully paid off and we were to receive an excess dollar amount from the escrow. And that we should probably receive the check first, and the deed would follow. 

On Friday XX/XX/XXXX, I received in the mail with the letter head XXXX Loan Servicing Part of the XXXX XXXX, dated XX/XX/XXXX. 
The first two lines are as follows : " Dear XXXX XXXX XXXX & # # # # # # # # # # # # # # # # # # According to our records, the above-referenced mortgage account is in serious default. '' On Friday XX/XX/XXXX at ~ XXXX, I telephoned the listed XXXX number, and spoke first to XXXX ( a representative of SLS on a recorded call ) prior to getting disconnected. On XX/XX/XXXX ( a few minutes after the disconnect ) I again telephoned the listed XXXX number, and spoke secondly to XXXX ( a representative of SLS on a recorded call ). XXXX informed me, she ( XXXX ) had no listing of my wife 's call on XX/XX/XXXX. But that XXXX had set-up and inquest into my account. I then asked to speak to a supervisor. I was informed a request would be sent to a supervisor. The supervisor would then telephone in 24-48 business hours. I was further informed although SLS call center is open on Saturday, it is not considered a business day. 

The complaint is not complex. My wife & I have fully paid off the 15 year mortgage on our house ( account # ). The payments were all on time ( automatic electronic deduction from checking ). 2 months later, we are being harassed by SLS with incorrect letters regarding default and foreclosure. 
In short, we want the deed to our property. 

Some party at Specialized Loan Servicing Part of the XXXX XXXX has dropped the ball regarding the resolution of this matter. Therefore, I am sending my complaint to CFPB. 

Thank-you for your time and attention.
Consumer complaint received 2020-05-29
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. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX opened in XX/XX/2010 for XXXX as a charge off should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2023-02-21
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: CREDIT ACCEPTANCE CORPORATION (MI)

In Accordance with the fair Credit reporting act. This List of account below has violated my federal privacy and confidentiality under 15 USC1681. 

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 A section 2 : It also states a consumer reporting agency can not furnish a instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer items of information Any other adverse item of information, other than records of convictions of more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to a person knows or has reasonable cause to believe that the information is in accurate.
Consumer complaint received 2023-02-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NC)

The company that took the funds is called XXXX XXXX never heard of them I bank with a chime I got a deposit which was my tax refund sent to my chime account it came through around XXXX on XXXX the XXXXXXXX XXXX I was on my way to the ATM to make a withdrawal as soon as I tried to unblock my card to access my funds my account was logged out of approximately XXXX dollars was taken from me in minutes I've reached out to chime several times all they do is send automated messages saying they have a dispute team working on it in the mean time they have not provided me a credit I'm a single mom with XXXX I also have a XXXX arriving the best answer they gave was they will maybe credit my account by XXXX the XXXX my baby will be here on the XXXX not to mention I'm currently not working due to XXXX and my baby XXXX XXXX XXXX XXXXXXXXXXXX XXXX.I can't continue to wait for my funds I will be homeless soon this is ridiculous making me wait for a credit when clearly my account was hacked chime needs to do better with security and better by their members especially ones that have had chime for years.
Consumer complaint received 2020-05-29
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. (TX)

SHOWING A LATE ON MORTGAGE FCRA VIOLATIONS IF IT CANT BE CORRECTED MUST BE REMOVED FTC VIOLATIONS XXXX  XXXX XXXX XXXX   VIOLATIONS FILED AND SENT
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY (CA)

During this Covid-19 crises our XXXX XXXX had to close its doors, we still have not been able to reopen. There is has been so much confusion and misinformation out in the world during this crazy time. I contacted my credit cards and mortgage company letting them know how our family has been affected by this crises. I was told there would not be any late charges or credit reporting during this time. Nordstroms may have been missed in all of this, XXXX of 2020 they gave me a 30 day late, never called me and then in XX/XX/2020 they gave me a 60 day late. They finally called me after the 60 days to inform me they dinged my credit. In all of this we have had to sell our home, lucky we found a buyer quickly but now no lender will give us financing to purchase our new home because of the 60 day late charge. I don't believe this is ethically fair with all that is happening in our country. I have been a loyal customer for 13 years.
Consumer complaint received 2023-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation (CA)

I am writing the CFPB to inform you of the improprieties conducted on behalf of Fortiva. Fortiva has no Proof of Authority, written consent, or court order that gives them permission to report anything about XXXX XXXX XXXX publicly. The FDCPA Fair Debt Collection Practices Act was put in place to protect consumers from such trespasses. XXXX XXXX  is in direct violation of my right to privacy as pursuant to the Bill of Rights. Fortiva is Defaming my name and character to the public and is also in violation of the US Constitution. These discriminatory transactions that are being reported are impacting my ability to attain goods like buying a home for my personal, family, or household needs. My intent is to seek remedy in Federal Court
Consumer complaint received 2023-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (MN)

In XX/XX/XXXX I received an email from my bankruptcy attorney XXXX XXXX regarding a back payment on my mortgage XXXX XXXX XXXX XXXX in the amount of XXXX dollars line XXXX in this paperwork states the motion is denied. this Mortgage was sold to Midland Mortgage XX/XX/XXXX. Knowing I was behind I wanted a clean slate with the new lender and sent them a cashiers check from my bank in the amount of XXXX dollars XX/XX/XXXX and according to the transaction history I recently requested from Midland mortgage because it's blocked were I can't access online this was never applied to my mortgage. This caused my escrow account insufficient. on XX/XX/XXXX I received notice of postpetition fees, expenses, and changes for late fees. for XXXX dollars. Most resent I received a notice of mortgage change dated XXXX to the amount of XXXX from XXXX. As of XX/XX/XXXX all my payments that I pay thru my bank are recorded as misc receipt. Midland mortgage have not applied all the payment since they acquired my mortgage.
Consumer complaint received 2023-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

In XXXX of XXXX I became an employee of XXXX XXXX XXXX  and switch my account over from XXXX XXXX. I received {$750.00} in XXXX XXXX to pay off the remaining balance from XXXX which was I was told was {$580.00} and which I paid and was told I was ready to go. After 2 months I get a bill from XXXX saying that I owed them {$120.00}. I called and after multiple hours of speaking with several reps that I did not owe this and they would take the charges off my account. Yesterday XX/XX/XXXX I got a notice that my credit score has gone down XXXX points due to a derogatory claim on my account of XXXX from XXXX that I am now expected to pay. After talking to Jefferson Capital Systems this morning they have put in that I am disputing I was told the only way to get it off my credit was to get proof from XXXX of a conversation that took place over 4 years ago and on the phone. When I call XXXX to get in contact with someone it refers me back to Jefferson Capital stating they do not have access to any information on my account. I have worked incredibly hard over the last decade to build my credit and am infuriated to see it impacted by a bogus charge like this. There was more than enough left on those cards and if they would have asked me to pay that at the time of switching I would've gladly paid what I owed. Is there anyone who can help me?
Consumer complaint received 2023-02-20
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: EQUIFAX, INC. (GA)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX  XXXX Balance : {$2100.00} ; XXXX ( Original Creditor : XXXX XXXX ) Balance XXXX {$3700.00} ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2020-05-28
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. (GA)

Dear : CFPB I would like for someone to investigate my account that's listed below as it not reported correctly on my Equifax report. I've sent out 5 letters over the past 7 months signed signature notified by letter. Fighting trying to get inaccurate information disputes off my credit report. I spoke to this Credit Bureau goes by the name XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  on multiple Occasions asking for them to validate proof of images and accurate information for me yet and still, they refused to show proof of the information I requested. The matter is regarded in an apartment complex Ive lived in 5 years ago. I stayed until the end of my lease term I was paying the market rate at the time. Still, yet dont understand why this on my report its stopping me from moving on with my life. The amount that claimed I owe is XXXX $ its been on my report since XXXX XXXX its been 4 years & 5 months here is the information, I found from the company IM ASKING FOR THIS TO BE DISPUTED FROM MY EQUIFAX CREDIT ACCOUNT. 

( XXXX XXXX XXXX  ) XXXX  XXXX  /XXXX   XXXX  CREDITOR THE AMOUNT thats claimed XXXX
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (IL)

today XX/XX/20 I've wasted over 5 hours ( 2 on initial call then another over 3 unable to reach them ) trying to open a " home depot '' card thru cit-credit ( I imagine part of citibank ) ... .they left me on hold over an hour after online-application required " MORE info '' ... then rep got on phone with me & took over another hour to inquire further. 
This all for a " {$25.00} credit '' on first purchase. 
After having to pay for not one but TWO texts, they said I was approved & read me the TEMP card number & security code from back of temp card.

I read it back to this XXXX girl TWICE since she got nothing straight first time. 
GOT email stating I was approved & to electronically SIGN for it to use right away. STAYED on phone with her, she said she " saw it all going thru & active '' so I could immediately buy. 

Well NO, that was an entire lie.There is NOT only no {$25.00} credit offer TO BE honored but also card does NOT work. 

I've called back stated number XXXX for " if I have problems '' and have NOW BEEN ON HOLD OVER

3 HOURS. YES, 3 HOURS. still ON Hold & now ( 3hr. 15 min
utes ) having wasted over SIX hours of my day, am hanging up & want them to PAY for fraud & MY time. Also a credit inquiry that, as you know, impacts all our score negatively. 
please STOP these criminals right away & I will NEVER step into a HOME DEPOT IN MY life except to let others know my HORRID experience. 

please HELP stop this fraud. PLEASE!!!!!!!!!!
Consumer complaint received 2020-05-29
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Onity Group Inc. (GA)

We are a XXXX  XXXX that preformed work for homeowner through their insurance company. The homeowner has a mortgage company that the insurance company had to attach to two checks for the mortgage company to endorse. The mortgage company has been supplied with all necessary documentation proving that the work has been completed. The mortgage company will not release the checks back to the homeowner to pay us. The work was completed on XX/XX/2020 and we sent the mortgage company a certificate of completion, up to date copy of W9, a copy of our business licenses and insurance, a copy of the signed contract between the homeowner and our company and photos of the before, during & after process of work performed. We have sent emails, faxes and have called every day to follow up with them and they will not process us payment. Please help us and the homeowner. Thank you.
Consumer complaint received 2023-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hi Folks, Good Morning. I have 2 Credit Card accounts with Capital One. I was out of country for 2 months in 2022 and was unable to login to the accounts because Capital One send the OTP to my phone number only and they don't have the ability to send OTP via email. Since it is impossible to get phone access out of country I was unable to login and pay the credit card on time for that month. Capital One promptly reported it as late payment to the Credit Bureaus. Since I came back I put my accounts back on track cleared all dues and called Cap One and told them the whole situation but they were acting very unprofessionally and being rude instead of even bothering to listen to all that happened that caused the late payment. Finally I called back 5 months later and the supervisor XXXX did not even bother to understand the situation and instead gave a CapOne address in Utah that she wanted me to send documents by snail mail and complaints with all my details including SSN, DOB, Flight documents etc. She also said they don't have a website or even a phone number to reach out. Isn't this ridiculous in this day and age? Isn't it shameful for the Supervisor and Capital One to behave in such a careless manner? All you could have done is understand the issue of the customer see if that is valid and proceed from there? It is a simple question, Does Capital One have the ability to send OTP to Email or not? If you answer NO then accept it and apologize and work on it so other customers are not having same issue in future. Don't try to hide by being rude and talk rubbish. Also I insist that CapOne provides OTP by email so it does not impact other customers in future. Thanks, XXXX