davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

Sent out multiple disputes never acknowledge my issues that I addressed by letters. 
XX/XX/XXXX and XX/XX/XXXX and XX/XX/11 this letters were not taking into consideration. I feel like my issues are being neglected on the behalf of the credit bureaus. 
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 XXXXXXXX ) this accounts are showing inaccurate with the incorrect date, and also not entered in the dispute status
Consumer complaint received 2020-06-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP. (TX)

I applied for a XXXX XXXX RV loan with 21st Mortgage initially on XX/XX/2020. Currently, I have not received approval due to the income requirements as stated by 21st Mortgage company as they say Im not currently within federal regulation requirements. I have 3 jobs - one is a XXXX, one is XXXX, and the third is a new XXXX job. 21st mortgage states that they can not include ALL my income as the XXXX job is too new ( I started a month ago ) and my XXXX and XXXX  income isnt sufficient as I write off my work from home expenses and they say my taxes are not meeting the guidelines. How can one build credit, begin to own a new ( first ) home, and create good equity if these income/credit regulations/standards continue to suppress those very capable of managing an estimated $ XXXX month mortgage payment? 

Please help those of us trying to better our lives by loosening the strict Financial regulations/guidelines put upon these mortgage companies.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (UT)

The Apple Card app told me that to avoid an interest charge of {$14.00}, I needed to make a payment of {$560.00} by XXXX on XX/XX/XXXX. I made a payment of {$560.00} on XX/XX/XXXX and I was charged interest of {$14.00} on XX/XX/XXXX. 

I reported an issue through the app and I was routed to chat with a Goldman Sachs representative. I was told that I was charged because it is a " trailing interest charge. '' I said that it was fraudulent and went back and forth discussing it and the representative processed a request to waive the interest and filed a complaint on my behalf. 

The Apple Card is advertised as being straightforward and easy to use and understand, such as the following quote from the apple website, " With Apple Card, we completely reinvented the credit card. Your information lives on your XXXX, beautifully laid out and easy to understand. We eliminated fees and built tools to help you pay less interest ... '' The app told me how much I needed to pay and when to avoid the interest charge and I was still charged interest. 

Waiving interest this time does not fix the problem. It is fraudulent to tout about the benefits of the card, the ease of use, and plain terms that anyone can understand and explicitly state pay this amount by this date to avoid this interest charge and still charge the interest. Apple and Goldman Sachs need to fix their app and advertising to reflect their policies or change their policies to match their advertising and the information they provide.
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (NH)

This is for a Cable company called XXXX who made it nearly impossible to cancel. ( i.e. insisting that I call with long wait times, and constatnt disconnects, no chat or online account portal is available to cancel ). I returned my equipment thru their cahannels before a new month was started. I had to secure Support thru their XXXX account and have them close my account. I have the confirmation but they never apparently closed it formally and still continue to send me bills. I appealed to them again to tell them to stop sending bills - that the account was closed... And then today I get a letter from a collection agency. Here is a paste of the whole support conversation that confirmed that the account is closed - and in time to not incur more charges. 

Attached in PDF below is the actual support conversation thru XXXX.
Consumer complaint received 2023-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (WI)

I received a false collection on my credit report from a debt collection scam company called Credit Collection Srvs services for {$740.00} that they claim is for a company called XXXX. It is a fraudulent debt. I have never heard of XXXX. I have never utilized a service by XXXX. I have never contacted XXXX. I have never received a bill, invoice, contract, agreement or service from XXXX. I have not received a phone call or have had any interaction or engagement with XXXX or Credit Collection Srvs. I have not initiated contact with this company. I have not visited any facility that is owned by this company. I have not used a product from this company. I have not had any interaction with this company or any tangentially affiliated company with XXXX. I have never been billed by this company. I have never had a contract with this company. I have never been issued an invoice or agreement by this company. I have never received a single service at all from this company or their debt collector, who is claiming I owe {$740.00}. 

Within 24 hours of sending this false / fraudulent debt, to XXXX, Credit Collection Services closed the claim immediately, as settled, I suppose because I would dispute the claim. I googled what this meant when a bill collection settles a debt : The reason the company closed the fraudulent debt is because a debt closed by a debt collector remains on a person 's credit report for 10 years. I do not believe that this scam attack was an actual attempt to collect a legitimate debt. The company knowingly did this to leave a blemish on my credit report for 10 years, that's why they closed it within 24 hours of filing the fraudulent debt. XXXX immediately removed the fraudulent debt so no action on my part was necessary. However, I am filing complaints at every government agency to bring awareness to this scam and to ensure that consumers are protected from bad actors. I also filing until I am made whole again after this attack on my credit for a debt I did not owe. I don't know why I was targeted, but I will not be harassed by a debt collector to whom I do not owe money for a company I never heard of, for a debt that did not belong to me in the first place. I will be filing a congressional complaint in order to open a full investigation into this debt collector and their fraudulent actions. I am not familiar with XXXX and I did not engage in any transaction or service from this company or Credit Collection Services on any date past or present.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC. (CA)

Im on hold as we speak, after speaking to XXXX several times regarding my disputes Due to Covid, I could not pay original credit company and I ask XXXX to make a not of My concerns and let companies know my status I ask that the old account be removed Instead my account was sold to a different credit And my past is affecting my future Please help thanks
Consumer complaint received 2023-05-05
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)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXXXX
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (PA)

under 15u.s.c6802 I have the right to privacy and never gave consent to the bank to report my account, then i send them a certified letter with tracking number XXXX they never respond, I never recieve my OPT out form, its my consumer rights to can opt out from them reporting to 3 partys and they are violating my rights and this is a federal law but they don't care and also this is identity theft I never gave consent
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (CA)

Im on hold as we speak, after speaking to XXXX  several times regarding my disputes Due to Covid, I could not pay original credit company and I ask XXXX to make a not of My concerns and let companies know my status I ask that the old account be removed Instead my account was sold to a different credit And my past is affecting my future Please help thanks
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$2100.00}
Consumer complaint received 2020-06-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America has been dragging out my refinance mortgage application, and charged me excess fees. 

I first applied for a refinance with Bank of America during XX/XX/2019. They pulled my credit and started the application. I supplied all documents required by them as soon as I was asked for it. They asked me to trigger a XXXX process with my current mortgage bank - XXXX, which I did and for which I was charged non-refundable fees of {$250.00}. 

Then without explanation, they cancelled my application in early XXXX, and re-started another mortgage application with a different loan number, and I had to resubmit all the documents all over again. 

It has been almost 5 months since then, and we still have not closed, despite no issues with my credit score or documents. They have pulled my credit twice again since then, and have charged me excess fees on appraisal. I still have no information on if and when they will close my loan. 

I had started this refinance process ahead of my ARM mortgage re-setting on XX/XX/XXXX and had planned to have a new mortgage by that time. Unfortunately that is not going to happen and I have to pay a significantly higher mortgage on XX/XX/XXXX. 
I understand that because of Covid-19, there would be delays, but Bank of America has not offered me any information or explanation for the delays.
Consumer complaint received 2023-05-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Thaxton Investment Corporation (TX)

In XXXX of XXXX, someone fraudulently applied for and received a loan from Covington Credit using my information. I didn't find out about this until the middle of XXXX. I asked for and received an affidavit from Covington Credit to dispute the loan. I filled out the paperwork and took it to Covington  Credit after receiving it. I was told I could not use the paperwork because I wasn't supposed to sign it without a witness. I asked for another set of paperwork and it was supposedly sent on XX/XX/XXXX. It took me until XXXX to finally receive a new set of paperwork after repeated attempts since XXXX to get a new set. After finally receiving the paperwork, I mailed it back after I completed it except for needing to notarize one particular form, which was not clear to me because the way the form was presented seemed it needed **either** a police officer 's witnessed signature or notary 's signature, rather than both. They sent me a new copy of the form which I managed to have notarized the way they required, and sent that form back to them in midXXXX. I have not received any mail from Covington Credit since then, and the fraudulently-obtained loan remains on my credit. 

I request that CFPB investigate this - not only the fraud but the incompetence of Covington  Credit in getting it resolved. The final result I expect from Covington Credit is a letter stating that I am not responsible and the loan is removed from all three credit bureaus.
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

I initially understood the company would be freezing interest and minimum payments due to the Covid 19 pandemic. I have lost more than 50 % of my income due to the virus circumstances. Later I was informed that interest was still accruing. I do not see any help at all from this, in fact they are actually making more profit off me than normal because of Covid 19.
Consumer complaint received 2023-05-04
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Dear Sir / Madam I noticed that my credit score had decreased by more than XXXX points, I have worked extra hard to keep my score high and divulge into exactly what is making my score at the number that it is. 
When I checked I saw an inquiry that is not familiar to me that took place on XXXX XXXX XXXX  to XXXX XXXX XXXX XXXX. 

In addition there are XXXX negative accounts on my credit report that should be removed from Capital One. 
Then to add insult to injury-My old card has expired -Capital ONE has refused to send my new business credit card-because of the past issues that I have had with them. I spoke to a supervisor XXXX XXXX-she informed me of this, I have been vigorously attempting to remedy this incident. So the account of XXXX is still open, only I have NO physical card. They are holding my account hostage as retaliation. This is totally against the law I know it is. I am seeking legal advice on this as well.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-17
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. (TX)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-17
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. (SC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-17
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXXXXXX Balance : {$4800.00} XXXX BANK XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance XXXX {$43000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$50000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XX/XX/
Consumer complaint received 2023-03-17
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance XXXX {$43000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$50000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX
Consumer complaint received 2023-03-17
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)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-03-17
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. (FL)

After reviewing my credit report I found XXXX XXXX to show a lot of inconsistencies. According to the FCRA my report should be 100 % accurate. The account number is different across the three bureaus. Date opened, date last reported, date last active and date of last payment all have inconsistencies. Please correct all these errors or delete the account.