davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (RI)

I've been a mortgage servicing customer ( for my residential home ) of Primary Residential Mortgage, Inc. ( PRMI ) for about a year with autopay setup from my XXXXXXXX XXXX checking account. 

On XX/XX/XXXX, I went to PRMI 's website/ payment portal to switch the bank ( from XXXXXXXX XXXX to XXXX ) from which the payment was to draw ( scheduled for XX/XX/XXXX ). The website told me it was too close to the payment deadline for me to switch banks. I decided to call PRMI for help. 

The loan servicing agent told me she could help. She helped me make a payment by phone ( from XXXX ) and told me by doing this, the payment from XXXX XXXX would automatically cancel. Being completely satisfied, we ended the call. This call was recorded and has been listened to by PRMI. 

On XX/XX/XXXX, PRMI pulled payments from both XXXX XXXX and XXXX. I called PRMI, and they advised I call XXXX XXXX to issue a stop payment. I called XXXX XXXX and they told me the payment would be automatically stopped due to insufficient funds. 

The week of XX/XX/XXXX, I called PRMI to determine what had happened. PRMI stated that they listened to the phone call and admitted I was advised in the wrong. The incorrect information was that I could not change banks within 5 days of the payment being drawn. I was not informed of this on my call with PRMI on XX/XX/XXXX. PRMI told me to submit a claim for any fees that I incurred from XXXXXXXX XXXX  and they would refund me. I sent them this information by email on XX/XX/XXXX. I did not hear back. 

In early XXXX ( on my XXXX mortgage statement ), I noticed that PRMI had added a {$25.00} NSF Return Fee to my statement. I began to call PRMI at this point. 

In the past 2 weeks, I have spoken to PRMI 3-4 times ... and have had to explain my story each time. All agents agree that I was misinformed, but nobody can seem to approve the {$37.00} reimbursement nor get the {$25.00} fee taken off of my statement. I was promised a call back last Friday ( XXXX ) ... and again yesterday ( XX/XX/XXXX ), but no one called. 

I'm simply looking for my {$37.00} reimbursement for the fees from XXXX XXXX as well as the removal of the {$25.00} NSF fee from my PRMI mortgage statement. PRMI caused this situation ( by the agent giving me incorrect information when I called for help ), and should thus fix this. It's not fair that I have paid fees due to PRMI 's errors. 

Please help me.
Consumer complaint received 2022-07-13
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/2022 XXXX am Email offering a cash bonus of {$200.00} and 1.5 % cash back credit card. 
XX/XX/2022 I completed the application on line XX/XX/2022 XXXX I received an email stating that Capital One was not able to approve my application, and I would receive a letter explaining why within 10 days. 
XXXX XXXX XXXX I received email notice that " there has been a change in XXXX credit report '' and that XXXX from Capital One could help me improve my Credit Score. And when I clicked on the link it said my XXXX was XXXX pts at XXXX and XXXX was also - XXXX at XXXX Was the purpose of this per motion just to lower my credit rating? Or what? Note it all happened in XXXX minutes. 
Please investigate and respond
Consumer complaint received 2022-10-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (NY)

I attempted to obtain a consolidation loan on line and the company keeps asking and accepting money from me via bit coin and gift cards. I am due back over XXXX My loan manager is XXXX XXXX and his number is XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-09-19
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)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 2023-01-26
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)

This is my XXXX 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-07-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

The CFPB own report shows that the agencies only solve 2 % of the disputes it receives. and the question is, are the agencies unwilling or incapable of handling these issues? 

Under the fair credit reporting act, my right has been violated. 
I have a right to privacy based on the law and I did not give written permission that any of the mentioned creditors in the case to share any information. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy Equifax had 30 days to investigate my mailed dispute. The dispute was mailed certified on XX/XX/22 and was received on XX/XX/22. I did not receive any response from Equifax. 

I have challenged factual inaccuracies and incomplete information on my file with Equifax. they did not respond in time according to the law. I have included tracks that they received the dispute. I have included the dispute itself. I have included a copy of a credit report to verify the inaccuracies. 

I also understand that Equifax will say that they do not compare their file to other XXXX but that is irrelevant when the consumer provides factual proof of reported inaccuracies. And the Credit reporting agency has an obligation to complete an investigation that is reasonable, that is according to 15 U.S. Code 1681i ( a ) 4 which states that the agency must consider and review all relevant information provided by the consumer. 

INcluded are the Full credit report to show factual inaccuracies, a copy of the original letter sent to Equifax that was received and proved by the attached certified mail receipt.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount # 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 an account without my written instructions
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CURO Intermediate Holdings (TX)

XXXX XXXX i disputed this creditor- AD ASTRA REC, XXXX XXXX XXXX  The date opened on all 3 credit bureaus is different and the " last active dates are all diffeent on all 3 credit bureaus. I have requested for proof of the validity of this account, to include signed contract and correct date opened and proof of last active date. I have also requested all 3 credit bureaus have the same information. Each dispute was resolved without proof and consumer responsibility.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: MOHELA (TX)

The FCRA requires that information reported to the credit bureaus must be accurate and up to date. FED LOAN is missing my positive payment history from XXXX and needs to be updated immediately so that it is reflecting accurately. 

Acct XXXX is missing my positive payment history from XXXX and needs to be added immediately This account should be reporting identical across all XXXX bureaus so that it is accurate and fair to follow the laws of the FCRA XXXX
Consumer complaint received 2022-08-09
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)

i am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Consumer complaint received 2022-07-13
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. (CA)

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (VA)

I have reached out to Cross Country Mortgage to discuss mortgage forbearance relief under the 2020 Cares Act due to Covid-related difficulties with my tenants who are unable to pay rent. There are two mortgages I have and both are XXXX XXXX  mortgages. I discussed the circumstances with the company and they have required a massive amount of documentation ( contrary to the Act declaring that such documentation is not needed ). The mortgage company is not treating this matter under the parameters of the Cares Act and they want to treat it as if it's a conventional request for mortgage forbearance ( which has much different ramifications ). I have attached the PDF document they have repeatedly sent me, which was published pre-pandemic ( XX/XX/2020 ) and is not related to the 2020 Cares Act provisions. They are not following federal law and this needs to be brought to their attention.
Consumer complaint received 2024-10-15
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: BARCLAYS BANK DELAWARE (CA)

I'll attach a letter from Barclays bank that I got in the mail. I noticed an inquiry on my credit report that I did not recognize. I'm writing this report to you so that your report can hopefully get that inquiry off my report, because it'll be there for XXXX yrs and it hurts my credit. I called Barclays because someone tried to open up an international credit card in my name. They had all my info but they had the wrong phone number. The credit didn't get approved, but still it's the fact they tried.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

On XX/XX/2024,, I made Experian aware of the misleading and inaccurate collection account alleging a debt in the amount of {$3200.00} that they are reporting on my credit report. Ive requested, Experian and the collection company to verify I owe such alleged debt, the date of first delinquency and that the debt is indeed valid. 

it has been well over 30 days for Experian to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit report immediately By the law it is the consumer reporting agencies responsibility when preparing a credit report to assure maximum possible accuracy. Experian, has failed to maintain reasonable procedures and maintain 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) Experian Is in violation of FCRA and if they fail to comply and delete this information from my credit report, they must be held liable per 15 usc 1681n.
Consumer complaint received 2022-07-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (NV)

I moved out XXXX XXXX XXXX in XXXX of XXXX. Prior to moving out, I called the office back in XXXX of XXXX to make sure I was good to go and did not have any outstanding balances, they told me I was fine and could move out. They did not inform me of any balance on my account then, or anytime after I moved out. 

Fast forward to XX/XX/XXXX, I see XXXX XXXX XXXX has sent a bill of {$180.00} to NATIONAL CREDIT SYSTEM, however I was NEVER notified of this. To this day, I have not received a single letter, email, or phone call from either creditor notifying me of this debt. I found out because it is now reflecting negatively on my credit. 

By not notifying me of this and sending the debt directly to collections, they are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I have included an email from XXXX XXXX I received after a phone call with them on XX/XX/XXXX, where they admit they " mixed '' things up, meaning they did not notify me of this balance or debt previously.
Consumer complaint received 2022-07-13
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: JPMORGAN CHASE & CO. (NY)

JPMCB AUTO ( Chase ) has been reporting me 30 days late for my XX/XX/2022 payment, as well as my payment for XX/XX/2022. This is clearly inaccurate as I have never paid late. 

I have spoken with Chase representatives on the phone and in person, and I have been assured that I was not late and that the issue would be resolved. One such conversation was recorded to confirm this verbal assurance of my good-standing ; however, these erroneous late payments still persist in showing up on my credit report.
Consumer complaint received 2022-07-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NV)

I've notified Experian, XXXX, and XXXX via written notice in accordance with 15 U.S.C. 1681 b 2 to remove all the fraudulent inquiries from my consumer report. Experian, XXXX, and XXXX have a blatant disregard for the law as they are failing to report what relates directly to me per my written instructions and right. I have also reached out via telephone and never reach a representative. There are currently 13 inquiries shown on Experian, a collection from XXXX XXXX who I've never contracted with, and 2 closed accounts from XXXX XXXX and XXXX. XXXX is fraudulently reporting 17 closed accounts, 2 collections from XXXX XXXX and XXXX XXXX Apartments, and an inquiry form XXXX XXXX that need to be removed per my written instruction and in accordance with 15 U.S.C. 1681 b 2. XXXX is reporting 11 closed accounts and 3 inquiries. These are all corporations who can not verify or speak for me the natural person. I am not in contract with any of them nor have I ever been. I would love for this to be taken care of immediately or i will start the administrative process as it is clear to me 2 or more corporations are conspiring against natural man. These are all corporations who can not verify or speak for me the natural person. I am not in contract with any of them nor have I ever been. I would love for this to be taken care of immediately or i will start the administrative process as it is clear to me 2 or more corporations are conspiring against natural man.
Consumer complaint received 2023-02-19
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. (MS)

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 2022-07-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (NY)

Etrade keeps restricting my account. I asked for the policy that governs this but I have yet to see it. I had to verify multiple bank accounts with invasive questions. The account was unlocked/unrestricted 4 times and then restricted again and again. When I made many transfers into the account I never had any restrictions. I withdrew my brokerage account funds in the past but the account remains open. One of my checking accounts has been attached to Etrade for years but I still had to verify the account. Its very hard to get connected to the activations team. When connected it seems they shoot from the hip as to why account is restricted and what is needed to remove the restriction. No bank should be allowed this much power over any persons account. I lost interest and fees due to Etrade restricting my account.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I've looked at my accounts across three different major bureaus and non of them have my current address and the previous ones are incorrect. I've contacted and submitted supporting documents to all of them as far as XXXX, XXXX, and Equifax with non of them properly updating the info