davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

loanDepot, LLC. falsely advertises home equity loans ( closed-end second mortgages ) on its website loandepot.com, but when consumers inquire about obtaining one, they're told loanDepot doesn't issue home equity loans and are encouraged to obtain a cash-out refinance instead. 

Source : https : //www.loandepot.comXXXX https : //www.loandepot.comXXXX This is a classic bait-and-switch scam.
Consumer complaint received 2018-08-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cordoza & Wexler Recovery Services (CA)

For the last couple of months XX/XX/XXXX through present Ihave been receiving a call from some company which looks like a local number calling - could not recognize what they were saying on my voicemail - person speaking sounded distorted - stated something about need signature and social security number - press 1 to accept message or call back an XXXX number - couldn't really understand them - I ignored it but on Tuesday XX/XX/XXXX received another call so I finally returned a call to the number on my caller ID which looked local and someone answered and I asked them who they were and why were they calling me - they stated they were from Cordoza and Wexler a settlement company and asked is this and they stated my name and that they were trying to collect a debt on a payday loan from XXXX which was never repaid - what was really upsetting was they had my bank name and some of my other personal information & my email address - I do not remember taking out a payday loan from the company they stated and for the amount they stated which was quite large and what is really crazy is the payday loan companies only allow you to take out loans in an amount comparable to your wages - I know for a fact I could not have taken out a loan for that amount - she told me that I could find proof of payment and send it to them so I went through all my XXXX receipts and could not find any record of any type of payday loan - I knew there wouldn't be one - after that I was really upset so I called them back and I flat told them I don't know who the XXXX you are & how you possibly got my personal information but you can go take a flying powder as far as I'm concerned and please send me proof of any type of documentation that I owe this debt and paperwork with my signature and I will be forwarding this on to my attorney and I will be filing a complaint with the Consumer Finance group - as of today I have not seen any type of documentation from them through email and I don't know if they have my address so I will be checking my mail the next several days to see if anything is mailed to me which I doubt - I plan to contact local law enforcement and Lodge a complaint for fraud and extortion against this group of people - I am truly sick and tired of all the scam artists in this world who try to take from people who have worked hard all their life. One thing further I was part of the breach at XXXX  and possibly they got information from there and that is how they're trying to scam people Please be aware that this group of people are scam artists and are trying to collect money that you do not owe or possibly have already paid back.
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

I have a loan with CHASE CARD. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CHASE CARD with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, and XX/XX/2016.
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX and Transunion continues to PARROT unverified inaccurate information on my CR. CFPB the attachments confirms these accounts are inaccurate and can not be verified. The reporting agencies identified are in violation of the FCRA. XXXX XXXX  Reports charge off but performs a unrequested fraud investigation. I DID NOT REQUEST A FRAUD INVESTIGATION ON ANY ACCOUNTS THROUGH XXXXXXXX XXXX!
Consumer complaint received 2018-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (ME)

Someone gained access to my online bank account and transfer {$4500.00} from my checking account to a XXXX XXXX XXXX Account XXXX indicating I am the owner of this XXXX XXXX XXXX Account. I do not have a XXXX  XXXX XXXX Account, and the account is not mine. I have contacted XXXX XXXX XXXX myself and confirmed this is not my account. My bank is holding me accountable for the lost, denied my fraud claim. They argued that since the transfer was originated from one of my devices according to their IT, so I 'highly likely have made this transfer '. I did  not create the external account indicating its my account in my online banking account, then transfer {$4500.00} to this particular account I have no access to. 
I did not authorize the transfer of {$4500.00} from my check on XX/XX/2018. I informed the bank of this unauthorized transfer on XX/XX/2018. I do not have access to this external XXXX XXXX XXXX Account, and it is not under my name. My bank is only willing to send a letter to XXXX XXXX XXXX to request the return of {$4500.00}, and they did not iniliate the transfer after a week of me informing them. My bank known the external account is not mine, even despite it indicate it is transferring to me, but holding me accountable without evidence proving I made the transfer. My Bank is : Navy Federal Credit Union Account Number : old ( compromised account ) XXXX new:XXXX  Call NFCU multiple times each day. Submitted appeal over 10 days ago. First was told they received the appeal and it takes time. Then was told today they didn't receive the appeal and I would need to resubmit the appeal. Called three times today to ask to speak to the agent who handled the case but was told she can't speak to me. In all three calls today I was told no one is working on this case or looking into it.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAINE & WEINER COMPANY, INC. (FL)

This is being sent in response to notices sent to me from " Caine & Weiner '' and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.
Consumer complaint received 2023-02-03
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: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2017 XXXX  : {$0.00}.
Consumer complaint received 2018-08-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

XXXX was deleted but reinserted into my credit files with experian and XXXX   without notifying me whatsoever, in violation Under the FCRA Section 611 ( a ) ( 5 ) ( ( ii ) ".... reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

There is a delinquent amount reported by Experian, XXXX, and XXXX the company reporting the late payment is XXXX  XXXX for the Month of XX/XX/2022. I have not made any Late payments and I have disputed this matter with the Bureaus. I have requesting documents supporting theirs decision and the companys lies have failed to respond with supporting documentation.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ALLY FINANCIAL INC. (CA)

I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. I have sent this complaint to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

CAPTIAL ONE has violated my consumer rights and per their response letter, they are refusing to update/remove negative information from my credit reports. I sent them a Notice to Opt-out and requested that they cease reporting negative information on my credit reports. The letter was sent by certified mail # XXXX XXXX XXXX XXXX XXXX and was delivered to them on XX/XX/23. 
They are in violation of the following consumer law : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) NEGATIVE INFORMATION ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
( G ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Negative information The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default.
Consumer complaint received 2018-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation (CA)

XXXX XXXX IS CERTIFYING A DEBT THAT DOES NOT BELONG TO ME. 
I SENT COPIES OF MY POLICE REPORT TO THE COMPANY AND TO THE CREDIT BUREAUS AND XXXX XXXX KEEPS CERTIFYING WITH THE REPORTING AGENCIES THAT THIS MY DEBT.
Consumer complaint received 2023-02-03
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: Experian Information Solutions Inc. (NV)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on 01/11/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-03
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. (WV)

Experian is showing that I have a balance on my XXXX credit card, my XXXX credit card, and my XXXX XXXX credit card when in reality all three have been paid off. The XXXX  and XXXX credit cards have been reported as delinquent, but h paid both of them off before they were even reported as delinquent. Im not sure why experian is showing this inaccurate information, but I was never late on either one of those cards.
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

I filed a complaint on American Express. Today I received a call from someone in their call center in XXXX who was using discriminatory statements, laughing about me the costumer not being to make the payment she was requesting {$3000.00} so they would stop reporting the wrong information on me, even though, I have a payment agreement with them and have been paying on time ( automatic payments ) the person on the phone was challenging me to pay $ XXXX+ three times what my agreed payment is to see IF from here on they will start reporting correctly, this is out right discrimination, extortion and unlawful that a credit card company reports false information on a customer. They also closed my account several months ago, they reported it to the credit bureaus which hit my credit score substantially, then they filed with the bureaus that my credit card was open and marked my credit with three late payments even on the months that I have paid my agreements. The account shows open in the credit bureaus and on their site is closed. These credit cards are abusers!
Consumer complaint received 2024-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I called XXXXXXXX XXXX regarding a hard credit inquiry on XX/XX/XXXX about an inquiry dated XX/XX/XXXX that was fraudulent. I called again on XX/XX/XXXX and it still wasn't removed. Does the CFPB actually do anything? or, just another waste of taxpayer funds? I need to know who oversees the CFPB, because I'm concerned about what it is that you actually do.
Consumer complaint received 2018-08-23
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (MI)

There is a equity loan with Chase bank on my house. It is a 2nd mortgage that is only in my ex-husbands name. I was awarded the property in the divorce and he quit claimed his interest to me. I am the sole owner of the property. The loan went past due and all communications and written notices were redirected to my ex husband. Chase foreclosed and a sheriff sale is scheduled.

I work for a XXXX  and contacted our Director of Collections. He made me aware of my rights as the Successor in Interest. When I called and told Chase that I could easily prove my Successor interest, they clearly had no idea how to handle the situation, even after I provided the divorce decree and quit claim deed. One representative said that my ex husband had to be dead. Based on the recent regulation that went into affect XX/XX/2018, it is my understanding that my divorce situation qualifies me as the Successor. All I want is for someone at chase to provide me basic loan info so I can pay this debt and avoid foreclosure. I have been rotting on hold and have been passed around to people who clearly are not properly trained.
Consumer complaint received 2018-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (CO)

Please note that the selections available for describing my problem on the previous page were limited and no not accurately represent my issue. 

Earlier this month my identity was compromised. This thief has just about all my information and has opened credit cards and accounts credit unions in my name. I received a call from PNC on XX/XX/18 notifying me that there was man calling saying he was me and asking to change my address and attempt to open credit cards. I confirmed that this was fraudulent and the representative at PNC ensured me that the underwriting department has 1 ) stopped the credit card attempts before they would go through, and 2 ) inform the credit unions that my identity had been compromised and that I needed a fraud alert put in place. Today I learned that no fraud alert was put through to the credit unions by PNC and that a credit card was successfully opened. 

Since then, multiple credit cards have been attempted to be opened in my name. I believe one was attempt was successful but I am unable to find out what company the credit card was opened with because I cant access my credit report because the thief has created accounts with the credit unions and virtually locked me out.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Companies Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Transunion XXXX  XXXX My credit report was obtained via XXXX by someone using my SSN, Name, DOB and other information. XXXX does not have a phone number where I can report this fraudulent activity or speak with someone about what information was given out on my credit report and accessed by someone else. The XXXX XXXX information was then used to open a XXXX XXXX account in my name and SSN and previous address. The XXXX XXXX account number is XXXX - which was not paid and then sent to collections for {$6000.00}. I realized this account was on my credit reports and attempted to dispute this account and all charges associated. All three credit reporting agencies have denied my requests. The claim/report numbers below : XXXX - XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Fraud Claim - XXXX XXXX XXXX denied and completed by fraud claim ( # XXXX ) without contacting me. In order to speak with a fraud agent, I have to wait on hold for 30+ minutes. I have sent the police report to XXXX and am waiting for them to remove the account from my credit report.
Consumer complaint received 2023-03-10
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. (NC)

In Accordance with the Fair Credit Reporting act, The following accounts XXXX XXXX XXXX XXXX ; account # XXXXXXXX XXXX XXXX ; account # XXXX, XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  ; account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have 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.