davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (NY)

DITECH is the absolute worst mortgage company to deal with. They have been holding our insurance check since XXXX and still have yet to release our funds to us so we can begin repairs on our property. We have called them every single day to check on the status of our check and they have noted our calls and that all of our paperwork was processed. Today our check is supposed to be released and sent overnight. When my husband called to make sure of this they tried to inform him that there was documentation missing from the file. At this point, DITECH is playing games with us. We get a different rep every single time we call in and the operator gives you very basic information. It is so frustrating dealing with this company. The amount of the check is more than the value we owe on the property. It is our money. It is for us to begin repairs. It is not a difficult case and a few documents that were needed have been given to DITECH back on XX/XX/XXXX. They keep pushing us days later and saying they are behind schedule because of hurricane claims. I should also mention that DITECH was not even our mortgage company when the accident occurred. We have been running around and dealing with a dozen other things in order to get this process started and yet DITECH who is handling our claim has NEVER REACHED OUT TO US! We always had to call into their call center and try to figure out what is going on.
Consumer complaint received 2018-11-18
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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (NY)

I opened my NAVIENT account on XX/XX/XXXX when I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX.XXXX, XXXX and XXXX of XXXX I was late with payments, XXXX, XXXX, and XXXX. In XX/XX/XXXX, I arranged scheduled payments of {$81.00} to be withdrawal from my bank account on the XXXX day of each month. Since arranging this my account has been a great standing until last month. 

I was informed by XXXX  that my credit scored dropped 8 points due to late payments on my Navient account. When I called Navient they informed me that I was late on payments in XXXX. I found this information very confusing. I'm confused why they are hitting my credit after six years of great standing on my payments. When I asked the Navient rep to transfer me to a supervisor, I was told there was nothing more I could do to resolve this issue. The rep then reminded me of when I opened the account and the months I was late. But them reporting late payments after six years doesn't make sense at all. 

I hope you are able to resolve this issue. I'm not sure how my dispute was settle by XXXX because my credit score has not gained its 8 points back.
Consumer complaint received 2020-06-12
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX I reviewed my account with XXXX  and according to my payment history I was not late on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as XXXX is reporting on all 3 major credit bureaus.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

15 usc 1681 section 602 : states I have the right to privacy! 15 usc 1681 section 604A section 2 : it also states, a consumer reporting agency can not furnish a account without my written instructions 15usc 1666 B : a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose
Consumer complaint received 2022-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FB FINANCIAL CORPORATION (AZ)

FirstBank hold my mortgage. On XX/XX/XXXX the sent a letter explaining that the servicing of my mortgage was changing to another company and that the very next payment would not be accepted on XX/XX/XXXX... my next payment date just days away. 

I understand that these things can change but .... 
1 ) such short notice to comply with the change is ridiculous 2 ) the letter looked like it could have come from anybody setting up the prefect scam to have people start sending their payments to this new address 3 ) my payment was on auto pay and it the payment was controlled by firstbank. The payment could have been initiated by the new servicer but it was not. 

I'm wondering how many people are going to be hit by late fees generating possibly millions of dollars in late fees for this bank that never would have happened if they had executed this transfer more responsibly. I would like the record noted at the CFPB that is a possible scam to reward managers at this bank.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Vehicle Solutions Corp (FL)

i sent the credit Bureaus letters asking them to verify the on my report.the have sent it back stating that everything is verified correctly. my credit report is still showing inaccuracies 15 U.S.C 1681s-2 AX1 A person shall not fumish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-08-06
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)

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX has violated my rights. Regarding alleged account # 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 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I would like to file a complaint against Citibank XXXX XXXX XXXX California for misleading advertising by offering {$700.00} credit offer voucher whenever I open a business streamline business checking account at this branch, and making a deposit of {$25000.00} dollars or more and maintaining the balance in this business streamline account for more than 60 days. But I opened my business streamline account on XXXX2021 and deposit on the account more than $ XXXX and since then over 90 days and up-to-date, I still have not yet received the {$700.00} credit voucher as promised. I feel like that I have been cheat and misleading by the bank. I demand for your help and investigation on this matter. Please do advise, I did contact the bank officer several time, left voicemail and sent email but still no answer. I even visited the Citibank Branch yesterday but the branch is closed with the sign posted in front of the window. 
I have all the supporting documents in regard to the credit offer of {$700.00} dollars. 

Thank you very much
Consumer complaint received 2020-06-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

I have been receiving emails from QuickenLoans almost daily saying that rates have gone down every time I tried to see what the rates were and the closing costs they would call me I finally spoke to XXXX XXXX and told her I was interested in refinancing my current Quicken Loan mortgage but first wanted to know exact closing costs interest rate and payment but I didnt want a hard hit on my credit I did tell her on the second or third call that my credit was in the mid 700s she replied my exact number I asked her how she got that without me giving her my social security number she told me she had it and my financials because I have my mortgage with Quicken she then quoted me a payment, rate and {$5000.00} closing costs we did become quite friendly in our conversations taking about matters other than the loan then at the end of our long conversation she told me I would have to pay {$6000.00} in closing costs if I wasnt living there I told her I shad rented it on a month to month to a young man that is a son to me. I then received paperwork with closing costs of $ {$8500.00} and saying estimate cash to close from me would be {$740.00} which really upset me when I contacted her about this I had already made up my mind that even if I were going to refinance with Quicken I would never use her as my agent I told her that and that she ran my credit without my approval her reply email said I stated on a recorded line that I allowed her to pull my credit ( not true ) and as far as the paperwork she wrote to be legally in compliance have to mail documents to each client and the computer software chooses the paperwork that is sent and often wrong. That totally perplexed me as its paperwork they wanted me to sign.
Consumer complaint received 2020-06-29
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: EQUIFAX, INC. (NE)

Someone try apply for a credit card in my name on XX/XX/19 and XX/XX/19. I have disputed this with XXXX XXXX which is the card application out in my name. I have been working on this almost a year now and equifax will not remove these 2 hard inquiries off of my credit report I have called every month since then, XXXX XXXX has sent over numerous documentation to Equifax and they refuse to remove this off. I have spoken with a rep from Equifax and they state they never rec 'd anything and requested that I send ss # , dr license, and other personal information not once but numerous times and every time its been a different address to sent to. The rep. with XXXX XXXX has been very helpful she wanted some information and I sent it last week I spoke with them and they rec 'd it and immediately sent it over to Equifax and asked once again to have this 2 hard inquires remove on my credit report. Equifax has been very rude about everything and dont help they state that it will take 30-90 days to have this remove. I stated NO I have done everything you have asked from me plus more and you haven't fulled you part of removing this off. I have spoken with my attorney and he states this is ridiculous again you are going through this and I said YES. I have also gone online and dispute items there too and they closed out my dispute with in days if even researching anything. My credit acccount with all 3 major credit bureaus have a fraud alert on it and still Equifax will not do anything. I have had XXXX  and XXXX  remove this off immediately never had to do with I have to submit to Equifax. All Im asking is if you cant have this remove this fraudulent reporting off my credit report.
Consumer complaint received 2021-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (MO)

My account information is being sold to several debt collectors companies and they report it to my credit. One company after another. I send in my information and the debt goes away, then they sell it again and put it on my credit constantly dragging my credit down
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX has violated my rights. Regarding alleged account # 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 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : states that a consumer reporting agency should Block and remove information in 4 days.
Consumer complaint received 2020-07-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC (NY)

I found in XX/XX/XXXX on my XXXX Credit Report a collection account from Contract Callers, Inc in the amount of {$11000.00}. This is listed as assigned XX/XX/XXXX. To this day XX/XX/XXXX I have not received any documentation, phone calls, no correspondence at all, I have a right under the FDCPA to validate and dispute this debt. I wrote to the company on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have not received anything from Contract Callers, Inc.
Consumer complaint received 2023-03-22
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: HUNTINGTON NATIONAL BANK, THE (WV)

I reached out to Huntington Bank on Monday, XX/XX/XXXX regarding a first time home buyers assistance program in my state that Huntington is an approved lender for. The person I contact via email is XXXX XXXX. After 24 hours of no response, I called and she answered. Although the customer service was far below satisfactory throughout the process, I know this report is not regarding those issues. My issue is that, after specifically noting in writing that I had only been using soft inquiries for reapproval, XXXX, without my consent or mention thereof, pulled a hard inquiry of my credit. I only received notice when I received a report from a soft pull by another company. I reached out immediately and demanded removal. XXXX did not respond until after I left a voicemail for her boss the following day. She tried to justify the pull by a " miscommunication '' but offered to remove the hard inquiry. Her boss also agreed to do so. I provided all information requested and placed a complaint with the company that Huntington used to complete the hard inquiry. After 2 days, I emailed again and demanded the report be removed or some update or I would report for the illegal activity. I have received no response.
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (CO)

XXXX XXXX I received a post card like piece of mail from Wells Fargo. They stated they had updated my address for my ( NONEXISTENT ) Wells Fargo account " in response to your request or a notification we received from the United States Postal Service ''. 
It ends by saying " Your address has been updated on the following accounts : XXXX Platinum Debit Card I spoke with XXXX and then XXXX in the " unauthorized accounts '' department. XXXX stated he had opened Identity Theft Case # XXXX and I should expect a call on Monday from XXXX. 

Last XXXX Wells Fargo sent me an actual credit card with a different ending stating I had opened an account. I filed a complaint with you and the bank and it was resolved. And now this. 
Please, please CARE. I have not had an account with them in over a decade and I was affected by their schemes back then. This is ongoing theft. 
On page 5 of your form you ask the billing address for the card. It is NOT my card and I have no real info other than the last 4 digits they sent. I put CO and my zip so I could submit the form.
Consumer complaint received 2019-06-13
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. (MI)

I submitted a complaint with your company ( cdpb ) on XX/XX/18 case number XXXX and XXXX XXXX agreed to update my credit report and remove the charge off from all credit bureaus. TransUnion was the only one reporting charge off. TranUnion removed the charge off status in XXXX and placed it back in XXXX. When I contact them they stated XXXX XXXX told them to report it as charge off again. This has caused me problems I am trying to refinance my home.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have several inquiries on my TransUnion Credit Report that I did not authorize and are fraudulent. 

The following inquired that need to be removed are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-07
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: PNC Bank N.A. (TN)

Im a victim of identity theft and have had a fraudulent personal loan, and credit card that has been opened in my name with your company Pnc Bank. I didnt consent, authorize, apply, nor request for this fraudulent credit card/personal loan to be opened in my name. The address, phone number, and to these accounts on file does not belong to me, and non of the information regarding these accounts where verified that they belong to me. Per the Fair Credit Reporting Act ( FCRA SECTION 603 ) if an account is reporting inaccurately or if a consumer is a victim of identity theft the account in question is to be removed/deleted off of a consumers credit file. I have sent you a Debt Validation Letter, ftc identity theft report, and police report showing that these accounts are deemed as fraud. In spite of that Pnc Bank has failed to provide me with a proper validation of the debt. You have been notified that your actions are detrimental to me and that your company has violated ( including but not limited to ) the Consumer Credit Protection Act,  the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your bank knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX XXXX, and XXXX XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at Pnc Bank for intentional infliction of emotional distress and at the other diminishes of the quality of my life. These 2 fraudulent accounts need to be removed out of my name, and off of my credit files immediately! Please take in consideration my concerns regarding this matter and I hope to hear from you in a timely manner.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

i sent the credit Bureaus letters asking them to verify the on my report.the have sent it back stating that everything is verified correctly. my credit report is still showing inaccuracies 15 U.S.C 1681s-2 AX1 A person shall not fumish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-03-22
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: Global Lending Services LLC (GA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states " I have the right to privacy ''. 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Consumer complaint received 2020-07-07
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. (KS)

To whom it may concern, I recently looked at my XXXX XXXX XX/XX/XXXX. I noticed there was a lot of inquries I have no clue what they are and never applied for. I feel these were all fraud as to my knowledge I never asked any of these companies to run my credit. They were not authorized by me. I would like all of the following to be removed from my credit report through any reporting agency. I never signed any documents or heard of some of these companies. XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I have shown pictures below. Under the fair credit reporting act 609 you will see none of this stuff is accurate. Thank you for your time and hopefully all this can be fixed as I am trying to fix my credit and have accurate information.