davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PLAZA HOME MORTGAGE, INC. (NC)

The company provided an incorrect 1098 tax form that does not reflect the points paid down at the time of purchase. I contacted the company about getting a corrected form. They first said they needed 48 hours to investigate and would contact me. After a week of not hearing back from them, I reached out, and they informed me the original company would have to provide a 1098 with that information, since they took over the loan. The deal was done in XXXX. The first payment went to this company in XXXX. Regardless, the 1098 should reflect points paid. They never contacted me with this info, and I don't believe they ever intended to. This has delayed the completion of my taxes.
Consumer complaint received 2023-06-06
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: Lockhart, Morris & Montgomery Inc. (IL)

I am stating that I have not received any communication from the debt collector regarding the alleged debt. Their failure to contact me directly has caused confusion and concern. I request a thorough investigation to verify the debt 's legitimacy and protect my consumer rights. I urge the debt collector to adhere to relevant regulations and demonstrate due diligence before taking further actions. I seek a fair resolution that allows me to address any valid concerns and upholds my rights as a consumer.
Consumer complaint received 2023-03-24
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. (IL)

hello I XXXX XXXX is not a third party is depressed because XXXX and Experian did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and Experian my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server depressed because this is causing damaging to the character of my name please please help me I've been thinking bout XXXX because of these issue with XXXX and Experian because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my two kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them and they still have not deleted these items off my report hello help me XXXX is ignoring me and Experian its been 5 months nothing done still
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NE)

XX/XX/2023 I talked with a representative of Citi Credit card. Even though they caused this situation she was very resistant to making things correct on the statements. " I'm on your side, here to help '' she said. She had not even looked at the account, she was responding to my claim from the Consumer Protection Bureau. Still they are not admitting to their poor performance by placing the payments in the wrong account! This was plainly denoted on the payment/check information area, she continued to blame me. She had to look at something and call me back, not having reviewed the situation beforehand. She said " but but they put it into another account of yours and you cashed the refund check ''. Yes that account XXXX is frozen at this time with a XXXX balance and for goodness sake don't you understand it was not the correct account-so it looks as if I didn't make payments into XXXX. I emailed and called right away after recieving that check from them but no one would help me. '' However she finally did remove some of the late fee 's after a lot of back and forth. And there would not be any finance fee 's either if they had processed the payments correctly. As the way they split the payment on the items we purchased, it delayed payment to both. Their software is charging me late fees after I make an electronic payment. This is a small account, they wipe away fraud of huge amounts daily and I was getting ignored, the run around, and escalating late fee 's. Where are the banking regulators and the credit card oversight? I don't recommend using Best Buy Citi card at all. Customer Service there is non exisistant and ONLY happened when I registered my claim with CFPB.
Consumer complaint received 2023-06-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (IN)

I was sent an email from CFPB which involves one main financial. The problem I see with this company is the add on interest and other high prices interest they made you take out in order in be approve for the installment loan. I was in a rough spot so I borrowed again and was hit with the add on interests.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I recently reviewed my credit reports and noticed some accounts that was not reporting accurately. I had late payments on accounts..that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, these account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates for the credit card ( XXXX  XXXX XXXX XXXX dated for XX/XX/XXXX ) and for ( XXXX XXXX XXXX XXXX dated for XX/XX/XXXX ) I'm now requesting you investigate these accounts and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/2016 BANKRUPTCY New York XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (LA)

On XX/XX/XXXX, there was a fake closing on my property which I was the seller with no funding. The Title Attorney/Escrow Officer for XXXX XXXX XXXX XXXX orchestrated the deception and fraud is XXXX XXXX XXXX XXXX Her location is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX, email : XXXX. XXXX XXXX of XXXX XXXX XXXX, XXXX was the Investor/Buyer in this closing. XXXX location is : XXXX XXXX XXXX XXXX, XXXX, TX XXXX, email : XXXX. XXXX and XXXX engaged in constructive fraud by misrepresenting a closing on XX/XX/XXXX in which they both knew there was no funding. The continued the deception by fraudulent non-disclose of material information including the closing records, proof of payoff. XXXX breached her duty of care and fiduciary duty to XXXX by failing to advise the XX/XX/XXXX closing was not legal. XXXX engaged in selling the property, again, from XXXX to another Investor Buyer, XXXX XXXX, of XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX address is : XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX, email : XXXX. XXXX XXXX, an Attorney, sent me a letter in XXXX stating that she purchased the property from XXXX on XX/XX/XXXX and knew that the XX/XX/XXXX closing had no funding. XXXX bad business practices included misappropriating of funds. XXXX recorded false security instruments, General Warranty Deeds executed on XX/XX/XXXX and XX/XX/XXXX to be recorded by a government agency, the XXXX XXXX Clerk, XXXX XXXX XXXX, of XXXX Texas on XX/XX/XXXX and XX/XX/XXXX respectively. XXXX intentionally filed the XX/XX/XXXX instrument after the XX/XX/XXXX closing was done and waited three weeks to file the XX/XX/XXXX closing so it wouldn't affect the chain to title on the property. XXXX knew that her conduct was contrary to my interest. Her actions incited me to vacate my property when it property was not legally sold so it may be illegally transferred. XXXX unprofessional conduct, fraudulent and deceptive actions caused me financial and mental damages. The Creditor, Caliber Home Loans , Inc., XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX refuse to send a copy of the check/wire that paid off the debt. There is no way to see what was paid off and/if a Short Sale was negotiated or the payoff was renegotiated since I had disputed the amount. I would not have sold my property to XXXX XXXX if I did not close on XX/XX/XXXX. XXXX took that option out of my hands when she misappropriated funds and property on XX/XX/XXXX. I have never received a closing package from XXXX. The only document I received was a HUD Settlement Statement in XX/XX/XXXX which has the XX/XX/XXXX closing information which is not true. The XXXX, XXXX XXXX, confirms she did not fund the property on XX/XX/XXXX or ever.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX 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 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.
Consumer complaint received 2023-06-06
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Attn : XXXX XXXX XXXX XXXXXX/XX/ To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-07
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Attn : Customer Relations Department XX/XX/2023 To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (CT)

I am having a problem with a credit Karma concerning my credit report .there is a car loan on my report from XXXX XXXX XXXX The account is closed but there still reporting, reports on my credit report..Like on XXXX XXXXmy balance increased but my score still went up XXXX points with this XXXX XXXX XXXX and thats just one thing.and ever time i contact credit karma the phone hangs up .Now on my report it says o accounts needs my attention .but im getting emails from credit karma saying my credit acceptance account needs some attention..and thats just to start.who ever is sending it are not the original loan houlders..please help XXXX XXXX XXXX... ..Thank you
Consumer complaint received 2023-03-24
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. (IL)

I'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. It is evident that this is a mistake on your part or the company 's fault in reporting this inaccurate information. Remove the late payment remarks and update to current or paid as agreed.
Consumer complaint received 2023-03-24
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. (PA)

I am putting this bureau on notice that the items listed do not belong to me or are incorrectly reporting on my credit file. I have submitted proper documentation and identity verification documents. I demand the information be removed from my Credit profile immediately as this company is in direct violation of the Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information.
Consumer complaint received 2023-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (FL)

I have contacted Selene Finance and they have told me if I can reinstate the past due mortgage balance, the terms of the loan will continue the same. Since my past due mortgage is in the amount of +/- {$94000.00}, they will accept {$50000.00} from HAF and the rest from a family member.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-08-06
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: EQUIFAX, INC. (OR)

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA. I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me? 

XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Ive been charged {$140.00} in overdraft fees because of fraud on my account. My bank has taken way too long to clear this up and CONTINUES to allow this merchant to take money out my account. In XXXX I was charged {$100.00} in overdraft fees. This company has taken over a XXXX dollars from me in negligent overdraft fees and sucks all the money out of my account constantly. Every time I call they act like they cant reverse the fees immediately but they can. Im tired of being fraudulently charged by Wells Fargo
Consumer complaint received 2024-08-06
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (TN)

Cash app has no issue with the purchasing bitcoin at all but when it comes to sending or receiving bitcoin and Im unable to do so due to not being able to verify identity. I have sent all necessary documents as well as proof of identity and it has been over seven days they have allowed me to send money as well as buy bitcoin but cant do anything else. This is a violation of my right to supply information. I did what I was told by agent and Im still unable to use my bitcoin account as to digital currency will be only way of funds soon I need a quicker resolution than we keep emailing and sending messaging to support
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I looked at my XXXX, credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.