davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
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: DISCOVER BANK (PA)

There were two hard inquires on XX/XX/23 on my credit report that XXXX alerted me of. 
One from XXXX XXXX XXXX and one from Discover on two new credit card applications that I never applied for. I called both companies so they said they would cancel the applications.
Consumer complaint received 2023-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (TN)

My loan was transferred from XXXX XXXX  to Flag Star Bank in XXXX of XXXX. The communication from Flag Star has been appalling. In XX/XX/2023 when they attempted to take money out of my account there was a transfer issue and right away I went to try and pay it online. I thought I had pressed pay through my checking account for a one time pay and when I went to check a few days later it said I had only paid a {$30.00} late fee. When I called to ask why it didnt do a XXXX time payment of the mortgage amount they came up with something that their system wont allow that and I should have called. Fast forward to XXXX, my mortgage payment was reversed and again instead of making it easy to pay online I had to call. I thought everything was fine as my XX/XX/XXXX payment came out automatically with no issues. XX/XX/XXXX comes around and when I looked at my XXXX XXXX account and the money was still there I figured because it was the weekend it would be taken out on Monday. On Tuesday I checked again and it was still there and I thought maybe because of XXXX of XXXX it hadnt been taken out yet. Finally on XX/XX/XXXX I call to inquire why it hasnt been taken out and they inform me that because of 2 reverse payments on my account I can no longer use automatic payments and that I would have to go to a XXXX XXXX with cash to pay my mortgage. I asked why they had not sent a letter or called to explain this and that I had to call and ask, which they claimed they did sent a letter. I can assure you no letter was sent and when I told them that they told me I was basically out of luck and they could email a letter for instructions on how to pay. They still have not emailed me this so called letter, I had to take out close to {$4000.00} cash and attempt to find a XXXX XXXX that would take that amount and just hope I was doing it correctly. Thursday, XX/XX/XXXX after attempting to make this transaction at XXXX different businesses and paying an extra {$22.00} for urgent service I thought the money was sent immediately. Today I go look on my Flag Star loan account and it still says, Next Payment Due XX/XX/XXXX. On the payments page it doesnt show my payment applied to any of my loan but shows Funds Held in Suspense. So I called to find out what was going on and the operator couldnt explain it and had to put me on hold. When she came back she said it would be posted on Monday. I paid it on Thursday before the end of the business day and paid extra for the rush service. If I hadnt called today who knows what would have happened with this payment. This should not be that hard to make a mortgage payment. I spent over XXXX hours on Friday just trying to give a company my mortgage. Their lack of communication, inconsistency, and agents who have no knowledge is outrageous.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX is reporting a duplicate credit card account on my credit report. 
It is a XXXX XXXX credit card dated XX/XX/XXXX. I already had a XXXX XXXX account that was opened in XXXX. 

I have contacted XXXX, Equifax, XXXX, and XXXX to have this XX/XX/XXXX XXXX XXXX account deleted from all of my credit reports. Only XXXX credit bureau has deleted it from my credit report.
Consumer complaint received 2023-07-08
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: FIRST PORTFOLIO SERVICING INC (CA)

Debt Collector Communications Concerning Identity Theft Section 615 ( g ) ; 15 U.S.C. 1681m ( g ) Section 615 ( g ) has specific requirements for persons, such as financial institutions, that act as debt collectors, whereby they collect debts on behalf of a third party that is a creditor or other user of a consumer report. The requirements do not apply when a person is collecting its own loans. When a person is notified that any information relating to a debt that it is attempting to collect may be fraudulent or may be the result of identity theft, the person must notify the third party of this fact. In addition, if the consumer, to whom the debt purportedly relates, requests information about the transaction, the person must provide all of the information the consumer would otherwise be entitled to if the consumer wished to dispute the debt under other provisions of law applicable to the person.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/18 I received a consumer report from XXXX ( XXXX XXXX XXXX ) after funds being placed on hold being denied the ability to open a checking and savings account at a financial institution. On the report, Wells Fargo erroneously reported 9 different accounts. Some accounts were opened and closed within less than a week to 30 days while others were open for at least a year. In addition to that, Wells Fargo left a notation stating that the accounts, as they seen it, were deemed as fraud due to fraudulent actions in my behalf. I immediately contacted Wells Fargo by calling the customer service number to get n explanation and gain clarity at to how theses accounts were open that I did not authorize. After being on the phone for over 3 hours and going thru the verification process Wells Fargo Executive and Claim team  advised me that the accounts were in fact not mine and they would contact XXXX to have any and all accounts and comments removed from XXXX. In addition to that I have several case numbers and claim numbers to prove what I am saying as factual. Unfortunately, I don't have 3 to 5 business days as my funds are being held. So this is why I am filing a complaint in addition to having this on file and record of all actions I have taken to resolve this matter. 
ID THEFT Case # XXXX ( Fraud Claim in Executive Fraud Dept ) and Case # XXXX ( Claim Mgmt )
Consumer complaint received 2023-07-08
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: Credit Corp Solutions Inc. (GA)

Upon receiving my credit report, I noticed some accounts that I didn't recognize. I immediately reached out to law enforcement and made a police report that's on file. These police reports have been mailed to the companies indicating that I am a victim of fraud and that the alleged account does not belong to me. The accounts are not mines and I totally dispute them. I have requested several times for the company to validate the debt and prove that I am indeed the correct person that opened and owes the debt. These letters were sent via USPS to the company ; I have not received anything that VALIDATES the debt as of today. I know my rights, and this is a direct violation of the FDCPA Guidelines. I want the items validated or removed immediately as this is causing me distress and it is interfering with my life goals to obtain a home for my daughter and I. Before contacting an attorney for legal advice, I wanted to contact your agency for guidance.
Consumer complaint received 2023-07-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I had initiated a bill payment to XXXX XXXX on XX/XX/XXXX. XXXX XXXX never received the payment nor applied the payment to my account. I did a dispute thru my Capital One and they denied because XXXX XXXX sent them a screenshot of the payment made on XX/XX/XXXX!!! Not the same payment. 

I have attached the payment history from both my capital one and other bank who sent the payment on XX/XX/XXXX.
Consumer complaint received 2015-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX XXXX XXXXandXXXX XXXX, XXXX bac XXXXALL the parties above, Have all committed Fraud and not allowed me to apply for short sale by home and given me the correct " notice of service '' to foreclose my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXXALL the parties above, Have all committed Fraud by not giving to me the correct " notice '' that XXXX XXXX is not the mortgage servicing agent to pay the monthly payment for my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX the parties above, Have all committed Fraud by their refusal to permit me to apply for HARP to lower my home loan payment to avoid the fore-closer of my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX XXXX XXXX officeXXXX cellXXXX XXXX XXXX officeXXXX cell
Consumer complaint received 2023-07-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC (IN)

This company charges upwards of 160 % interest and I believe it is a scam since the most they can charge is 21 % up to 74 % capped in Indiana per state law. I can not get into my account now and have attached a copy of what their loan papers look like and the interest rates they are currently charging against Indiana State Law.
Consumer complaint received 2023-07-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (MO)

I had submitted a payment via my banks bill pay system on XX/XX/XXXX. I called on XXXX XXXX regarding the payment not being posted on the account. The representative I spoke with suggested to dispute it via my bank if it had not posted, which I did. I filed the dispute but they denied the claim because I authorized the payment the payment they sent back was not the payment made on XX/XX/XXXX, instead it was made on XX/XX/XXXX!! They have no idea where the {$350.00} payment is or but will not return my funds!!
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2018-11-27
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: CORELOGIC INC (OH)

I was looking to get pre-approval for home mortgage ( new home ) around XX/XX/2018. After reading a lot of articles online, it was clear to me that when we start looking around for home loans, we will have 30-60 days time and there will only be one hit irrespective how many vendors you check with. But to my surprise, there were 3 hard hits on my credit within a period of 30days. Is there anything that can be done to get those hard inquiries off of my record?

Below are the details of the credit checks. 
Date : XX/XX/2018 Institution Information : XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX Date : XX/XX/2018 Institution Information : XXXX XXXX, XXXX, MD XXXX ( XXXX ) XXXX Date : XX/XX/2018 Institution Information : Credco, XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2023-07-08
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. (MO)

XX/XX/2023 Hello, This my final warning that I have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them. 

Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other XXXX bureaus from my investigation, thank you for getting back with me within XXXX  days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the XXXX credit bureaus with these accounts listed below. 

XXXX XXXX I have now pointed out the mistakes so this account needs to be deleted immediately not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX XXXX Equifax XXXX XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion. 

Thank you,
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I use XXXX XXXX to track my score. I've been working hard to improve my score and pleased to see that XXXX  has my score updated after 30 days. My score with them is XXXX. 

However with Equifax, it's still sitting at XXXX and they are telling me that they have to wait for lenders to send them updates. I don't understand how TransUnion can get updates from lenders but not Equifax. They're saying it can take up to 90 days which is more than 3 months to get an update while XXXX  is quick on their feet. 

I can not sit around and wait from Equifax to catch up to XXXX simply because they have a different update policy. So the compliant it to get Equifax to improve their update policy and have the score updated on a more frequent basis.
Consumer complaint received 2018-11-26
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: EQUIFAX, INC. (NY)

Dear Equifax : I want that you take a look at this account and figure out why there're in my credit file with multiple inaccurate, errors and mising information. 
It would be great if you send me the new report detailing the deletion. 

XXXX XXXX Account number : XXXX Opened Date : Equifax XXXX Opened Date : XXXX XXXX Inaccurate Open Date must be deleted inmidiatly. 

Account status : Equifax reports : OPEN XXXX reports : CLOSED Inaccurate account status must be deleted inmediatly. 

Payment history : Equifax reports : no payments XXXX reports : charge-off Missing payments history account must be deleted inmediatly. 

Also this account obviously has been open in a period of time where I been living in a shelter since XXXX until XXXX. 
Please see attached Residency letter from shelter. 

Theres a picture of the deletion of this account from XXXX  as proof of they are using the right method of verification.
Consumer complaint received 2023-07-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Overland Bond & Investment Corporation (IN)

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX {$23000.00} XXXX  {$11000.00} OVERLAND WAS PLACE ON MY CREDIT FOR A CAR I FINANCED IN HOUSE.. 
After My bankruptcy Things got overwhelming. 
I could not afford this car.. I volunteered to return the car.. The original loan date was XX/XX/XXXX.. 
The company keeps update the date so it do more damage to My Credit.. 
This should have been removed from my credit its been 7 years. 
According to the Fair Credit Reporting Act ( FCRA ), negative items can appear on your credit report for up to 7 years. These include items such as debt collections and late payments. The time frame begins from the original date of the delinquency ( the date of the missed payment ).
Consumer complaint received 2017-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (TX)

On XX/XX/XXXX I acquired an auto loan from Westlakes Financial. Monthly payments beginning XX/XX/XXXX. On XX/XX/XXXX I got an unsecured personal loan from XXXX XXXX to pay off Westakes. Now a year and a half later, I tried to finance a vehicle and was denied due to a charge-off on my credit report from Westlakes. I immediately contacted Westlakes and was told that the pay off was short by {$30.00} by XXXX XXXX and now interest had accumulated to {$97.00}. I paid this immediately that evening to resolve it. Now, my account status says Account Paid - Was a Charge-off, which is ruining my credit. I have been denied by numerous banks because of the charge-off. I have made countless phone calls to Westlakes. About 3 different employees at Westlakes looked at my account and said the charge-off was not my fault. All of them said it was common sense that it was not my fault. I was told to call back a week or so later for a final decision on whether they would remove the charge-off. When I called, I was told they decided to not remove the charge-off. If CFPB requests phone calls made by me, you will hear the employees and one supervisor say that the charge-off was not my fault. Westlakes has been sued in the past. They have a history of taking advantage of people with poor credit. CFPB forced Westlakes to pay XXXX XXXX dollars in damages. One of the things Westlakes has been sued for is for breaking or changing contracts without informing clients. I have attached a copy of our contract. The contract is good through XX/XX/XXXX. Westlakes broke our contract and put a charge-off on all of my credit reports over {$30.00} owed, which I was never notified about. The amount was paid and the {$97.00} in interest was paid as well. This financial institution has a history of this sort of activity. To further show you the type of questionable activity that happens at Westlakes, I have attached two letters sent to me and my wife from Westlakes. At the beginning of my search, I tried to finance a car through Westlakes. In the rejection letters we received, we were both told that we were denied due to a previous repossession with Westlakes. My credit reports will show that neither me or my wife have ever had a repossession with any financial institution. Finally, I have also attached a copy of the Westlakes contract and the pay off check from XXXX XXXX to show the documentation. Thank you for your time and for your help.
Consumer complaint received 2018-11-14
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. (VA)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account doesn't belong to me..I asked for evidence to prove the account is mine but Equifax did not provide..This error has greatly lowered my credit score..CFPB amp up and delete the account ( Original Creditor : )  XXXX asap
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Experian XXXX XXXX XXXXXXXX Re : Account Number : XXXX I am writing to dispute the validity of the account that has been reported on my credit report. The account in question is a charged-off account that has been reported by XXXX  XXXX XXXX.I am disputing this account based on violations of the Metro 2 credit guidelines. According to these guidelines, charges off account should be reported accurately and fairly, an ; d any inaccuracies or violations of these guidelines may result in the account being removed from my credit report. After reviewing my credit report and the information provided by XXXX XXXX XXXX. I have found several violations of the Metro 2 guidelines. These violations include : 1. Last Activity Date inconsistent across Credit Bureaus 2. Remarks inconsistent across Credit Bureaus 3. Time Late inconsistent across Credit Bureaus 4. Month 's Reviewed inconsistent across Credit Bureaus 5. Payment history inconsistent across Credit Bureaus Based on these violations, I request that you remove this account from my credit report. I have already contacted ( Creditor Name ) and requested that they remove the account, but they refused to do so. I have also included a copy of my previous dispute letter for your reference.Please investigate this matter and remove the account from my credit report if you find that it has been reported inaccurately or in violation of the Metro 2 guidelines. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX