davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-06
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: EQUIFAX, INC. (MS)

On XX/XX/23, 2 salespersons from XXXX XXXX XXXX XXXX, XXXX XXXX came into my home to do a XXXX system  demonstration with the intent to try and sell the system to me. After completing the demonstration, they offered me with 2 financing options through XXXX XXXX XXXX to purchase the XXXX system. The salesperson then asked for my, or my fiance 's social security number to " put it under one of our names. '' They said it is a " light inquiry '' that will fall off in a couple of days, and let us know that this inquiry was unlike an inquiry when shopping for cars where the credit is sent off to multiple lenders for approval. Without acquiring permissible purpose to pull credit via a hard inquiry, they submitted my information to XXXX XXXX, XXXX for credit purposes without making it clear to me as a consumer the nature of the inquiry.
Consumer complaint received 2023-05-09
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. (OH)

I opened an account with XXXX XXXX XXXX XXXX in XX/XX/2022. I submitted making an ACH information for automatic withdrawal for 24 month loan. Two withdrawals were taken out of my account and then all of a sudden my ACH information was deleted from the account by lender and I did not know that the account was not withdrawing until it was already past due. As soon as I realized I added back same info and got account up to date. I am never late and pride myself on my credit being in good standing. This was not my fault.
Consumer complaint received 2017-09-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST CONTINENTAL MORTGAGE LTD (TX)

As of XX/XX/XXXX l have requested a relief on my VA Loan and mortgage payments and have filled application correctly and provided all documents, requested by lender for VA Loan Modification. 
In which in Texas Laws has a non disclosure ammendment in not disclosing your private information. 
It has been 90 days and there is no amicably remedy or resolutions in making my VA mortgage more affordable. 
In which lender knows that l am XXXX and Retired, Divorced  and live alone in my home and have XXXX Lifetime income pension, without Federal Taxes been deducted until VA Loan modification is ammended. 
Once, VA Loan Modification is ammended, than XXXX XXXX XXXX will start deducting {$600.00} to pay Federal taxes. 
I owed {$9000.00} in back taxes from XXXX, because of the high mortgage payment and lender VA loan process didnt disclose on Federal taxes not bern deducted during VA home purchase on XX/XX/XXXX. 
I have told prior lender XXXX XXXX of XXXX, Texas and First Continental Mortgage that l can not afford the VA mortgage of around  {$1700.00} or {$1800.00} @ month. 
But lenders refuse to take matters into account before selling home on XX/XX/XXXX l sign documents because lenders stating that my VA mortgage will be lowered. 
On XX/XX/XXXX l discovered Frauds on VA Loan and Escrow and filed various Federal complaints that Lender opted to pay my VA mortgage from XX/XX/XXXX till XX/XX/XXXX. 
First Continental Mortgage stated they supported me to give me financial hardship relief. 
Why didnt Lender modified my VA loan in XX/XX/XXXX and made it more affordable? 
Than on XX/XX/XXXX, lender modified loan but is was still to high for me at {$1900.00} or {$1.00} XXXX. 
I sign documents on XX/XX/XXXX because l was going through a foreclosure status as l am going through a Foreclosure status on XX/XX/XXXX. 
Why lender investors wouldnt approve VA Loan modification and lower VA mortgage payments? 
Maybe, because investors and lenders are tired of me alerting the Federal Government in reminding Federal Government of the VA  Loan Frauds and Escrow Frauds. 
I am going through XXXX XXXX XXXX XXXX and stress and fears in losing my home in been homeless on the streets of XXXX, Texas. 
My family in XXXX, XXXX has a major issues with Hurricane Irma and devastation and possible lives with be lost because of the Hurricanes. 
I am asking with resoect to lender investors to provide me with a affordable VA loan mortgage payment, so l can start making my timely monthly payments, each month. 
This is a Urgent matters on VA Loan Modification. 
As a XXXX XXXX XXXX Veteran l aporeciate the investors and lender support. 
Please, pray for my family in XXXX, XXXX as Hurricane Irma will be affecting XXXX community and my family.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (FL)

This account was a Charge off account and it was opened in 2015 and I have been reaching out because I am trying to close on my first mortgage, but the lender is telling me that I have to get all the negative stuff off my credit report before we can even close. Please help in getting this potentially negative account off my credit report.

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Consumer complaint received 2023-05-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (VT)

Some random company charged my account in HI for {$500.00} and it wasnt me but I have other bills o paid bounce and I got charged a overdraft fee and then when I filled a complaint they refunded the {$500.00} but not the overdraft fees and it is still on my report
Consumer complaint received 2017-08-23
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: EQUIFAX, INC. (NY)

XXXX-XXXX cancelled my cable service without my consent and then when I called to correct the error on my Acc # XXXX they conducted a hard inquire on my credit on XXXX XXXX 2017 that I never authorized. 1st, I should not have had to reopen an account that was in good standing due to XXXX 's error. 2nd, I never authorized a hard credit inquire. XXXX was only to check to see if I had any outstanding unpaid XXXX/XXXX balances within their company not perform a hard inquiry on my credit report on a service that should have never been canceled in the first place ...
Consumer complaint received 2023-05-09
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. (OH)

I opened an account with XXXX XXXX XXXX XXXX in XX/XX/2022. I submitted making an ACH information for automatic withdrawal for 24 month loan. Two withdrawals were taken out of my account and then all of a sudden my ACH information was deleted from the account by lender and I did not know that the account was not withdrawing until it was already past due. As soon as I realized I added back same info and got account up to date. I am never late and pride myself on my credit being in good standing. This was not my fault.
Consumer complaint received 2023-05-09
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-06
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)

I am interested in processing disputes to delete all inaccurate information on my credit report with experian. please review an delete the following information. this has been hurting my file for years. delete this items to fix my credit report asap.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE ENGELHARDT V. GRAVENS ( MO ) 281 SW 715,719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Consumer complaint received 2023-05-09
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-06
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. (NY)

I was charged by XXXX during Covid. I called company several times to report that the equipment was returned. I was told not to worry about it- it was an answering service not actually XXXX . The item is still being reported on my credit with no proof of the actual findings.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (FL)

This account was a Charge off account, and it was opened in 2016 and I have been reaching out because I am trying to close on my first mortgage, but the lender is telling me that I must get all the negative stuff off my credit report before we can even close. Please help in getting this potentially negative account off my credit report. This keeps showing in my report it's supposed to drop off after 7 years.

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Consumer complaint received 2017-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (KS)

My Alabama state tax lien was paid and released in XXXX/XXXX -- Income Tax Year : XXXX Case : XXXX Lien : XXXX However, it 's still showing up on two of my credit reports ( Equifax and XXXX XXXX. The fact that it is still on my credit reports has caused me to be denied a loan and has also caused my XXXX score to drop significantly. Other than this tax lien, my credit is PERFECT. 
I disputed this a couple of years ago but each of the credit bureaus told me that it has to stay on my credit reports for 10 years! 
You should also know that I was n't even aware that I owed the state of Alabama DOR any money. I did n't even know there was a tax lien until I noticed it on my credit reports. Needless to say, I paid it as soon as I could. 
I have worked very hard to maintain my excellent credit rating and have been a law-abiding and attentive consumer. Yet because of a ridiculous rule, I have to suffer this " punishment ''? When is someone going to start looking at these types of situations and realize that they only hinder the consumer? The whole credit reporting system has been messed up for years. 
I have attached a letter from the Alabama DOR stating that it has been " paid and released ''. How can I get Equifax and XXXX to remove this negative item?
Consumer complaint received 2023-05-09
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

so i have been trying to get my personal information corrected since 2021 i have sent dispute after dispute and the reporting agency refuses to update my information to the correct information they are violating my rights under 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ). the credit agencies are not reporting my infomation at 100 % accurate and every attempt of contacting them has been met with silence
Consumer complaint received 2017-02-22
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc. (TX)

CFPB -- This pertains to new management as of XXXX/XXXX/2016 at CALIBER HOME LOANS in XXXX, TX at the Consumer Direct department. These are the various issues which should be investigated : 1. Change in pay structure for Loan Consultants ( LCs ) where they are NOT paid on loans closing. The LC 's name is listed on the loan but is not compensated. 
2. With the name of the LC on the loan, they are cut-off from the back end of the loan process where the LC is technically still liable for anything that might go wrong. 
3. This new management would allow for a Pricing Exception ( PE ) for the new hires they brought on board and for a family-related co-worker in XXXX XXXX. However the same level of PE was not made available to other co-workers who had been with Caliber Home Loans for a longer period of time prior to the start date of new management. 
4. This new management would hire on their own new contacts almost all under the age of XXXX and almost all Male ; conversely new management would disincentivize and push-out the older LCs who have been employed there for a long period of time. This is widely viewed as an act of nepotism along with age and gender discrimination. 
5. ***This new management terminated a Manager in XXXX XXXX on XXXX/XXXX/2016 without sufficient justification. This manager as a result was put on Administrative leave still accepting pay for an extended period of time since there was not just cause after further review with HR. 
6. ***This new management would also terminate long-standing Loan Consultants in XXXX XXXX prior to year-end 2016 who have a strong historical record of performance over a period of years at Caliber Home Loans.
Consumer complaint received 2023-05-06
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. (TX)

i have constantly disputed the accuracies of said account XXXX, and the information reporting i have sent multiple letters requesting validation of the debt which they have never produced. the said companies have refused to answer me. they have violated the FCRA by the following 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

how can this be 100 % correct if yall are reporting it as open and a collection
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (CT)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-12-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

please refer to complaint XXXX. due to technical problem I did not submit my comments to XXXX XXXX XXXX responded on my complaint XXXX and I feel that in order to come to a resolution I need show evidence. 
FROMXXXX RESPONSED : XX/XX/XXXX and the loan was due at that time for your XX/XX/XXXX installment. We have confirmed that no payments were missed or received 30 days late in XXXX. FROM XXXX XXXX MY ORIGINAL ALLEGATION WAS AND CONTINUE TO BE THAT ( # 1 ) XXXX DETAIL PAYMENT HISTORY ) 1. ON XX/XX/XXXX REGULAR PAYMENT WAS POSTED {$1400.00} ON XX/XX/XXXX A INVESTOR REVERSAL ( - {$1400.00} ) back dated to XX/XX/XXXX ON XX/XX/XXXX {$1400.00} WAS POSTED AS A REGULAR PAYMENT satisfying the XX/XX/XXXX payment. this is just an example of how servicer have and continue to do what they please with my funds, XXXX have done lots of damage including is financial abuse. 
RESPONSE FROM XXXX We have reviewed your concerns about payments you paid in XX/XX/XXXX basically XXXX stands for my loan been late. FROM XXXX XXXX XXXX XXXX XXXX DID NOT DISCLOSE on many occasions requesting clarifications on payment receipts ( prove on all attempts upon request ) including my complaint mention above. 
PAYMENTS IN QUESTIONS!! 
Bill payment went out regular mail to XXXX in the amount of {$1400.00} on XXXX XX/XX/XXXX went out regular mail refer to payment history regular payment posted same day XX/XX/XXXX impossible to be the same payment I believe this is the XX/XX/XXXX payment missing ( please find bank statement.in addition a partial payment f {$1200.00} to unapplied funds was posted. 
Bill payment went out ( regular mail ) on XX/XX/XXXX in the amount of {$1500.00} XX/XX/XXXX another bill payment went out from my personal checking account in the amount of {$1600.00} for payment a not matching payment posted on my loan on XX/XX/XXXX for {$1600.00} please find attached fee history from XXXX stating that on the payment that posted on XX/XX/XXXX was a phone payment. leaving the XX/XX/XXXX {$1600.00} and XX/XX/XXXX {$1500.00} unposted to my loan. 
I HAVE ALSO ATTACHED A COPY OF MY CREDIT REPORT YOU CAN SEE HOW NEGATIVE DID IMPACTED MY CREDIT FOR THE SERVISER MISTAKES AND LACK OF NOT DISCLOSING INFORMATION TO COME TO A RESULUTION. 
for clarification XXXX responded that XXXX transfer my loan to XXXX please find attached loan documentation that states that I refinanced on XXXX/XXXX/XXXX with countrywide and later transfer to XXXX them to XXXX and now to Shellpoint.
Consumer complaint received 2017-03-08
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial (TN)

Received a phone call from XXXX threatening phone call at my job that XXXX in legal was going to sue me. I have told these people not to contact me again, yet they continue to do so violating the law and I have documentation each time they do so.
Consumer complaint received 2018-12-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

please refer to complaint No. XXXX XXXX XXXX v Capital one ( credit card ) my complaint is about Capital One, due to theirs abusive collections activities, in XXXX when my funds run out after a bank robbery that happened at work I happened to be the Branch Manager which by the way my employer has not taken responsibility for the incident. and after I explained the situation to capitol one, they promise to work with me ( but capitol one was demanding money that I didn't have ) I keep communication with the rep who was calling me and sideling I was sue. 
I have copy and paste the activity with the XXXX County Metropolitan Court, I also feel that the process was misleading due to how I was served documents, I have attached a file for your review ( Capitol one sent documents that were not file with the court ) please compare to what is was sent in the complaint number above. 
after these experience I learned that Capital One intentionally sent documents that weren't file with court causing me to believe it was too late to do anything for example after getting documents about a judgement, about a deposition, and when I called the court the court refer me to the law office ( left many voice mails without getting a call back } the law office who is listed as representing capitol one would not speak to me to give me information it almost felt like they had no intensions of working with me for example I spent a lot time calling them to make payments arrangements even after the judgment by error I was transfer to the attorney where he was obligated to transfer me to the gentlemen who is handling my case ( when made payments arrangements I was promise in writing about the payments arrangements I have not received anything and again I keep leaving voice mails never gotten a call back ) and by the way I have being making payments on this account, but none of the payments are being reported to credit report. 
I ALSO WANT TO ADD THE EVENT AFTER THE JUDGEMENT ON XX/XX/XXXX. CAPITAL ONE FILE A ABSTRACT JUDJUMENT WITH THE XXXX COUNTY ON OR ABOUT XX/XX/XXXX, in addition I RECEIVED DOCUMENTS FOR A DEPOSITION SCHEDULE WITH XXXX  XXXX XXXX, ( XX/XX/XXXX ) I FEEL THIS PROCESS IS VERY ABUSED FOR A CREDITCARD I FEEL THERE IS MORE TO THIS .... I ALSO FEEL THAT MY PRIVACY HAS BEEN CONPROMISE AND THE CAPITPOL CONTINUES TO SHARE MY PERSONAL INFORMATION INCLUDING XXXX  XXXX XXXX WHO HAD MY MORTGAGE LOAN.