davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2021, I, XXXX XXXX completed an online application with Capital One for a credit card. Capital One never specified the reason they denied me of credit. Capital One base their decision off a credit score with companys XXXX, XXXX, and XXXX. 15 U.S. Code 1681- Congressional findings and statement of purpose 15 U.S. Code 1681 ( a ) ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. According to the Fair Credit Reporting Act Capital One included Congress law base on a decision expected to be used or collected in whole or in part which in law never disclosed being denied of credit. Capital One is using false and deceptive practices against I, XXXX XXXX the consumer! According to adverse XXXX XXXX XXXX XXXX XXXX XXXX  can only be denied for insurance and employment purposes only not credit. I, XXXX XXXX is the original creditor. Capital One also violated 15 U.S. Code 1681a ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Consumer complaint received 2022-01-10
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. (NC)

I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to XXXX, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions.
Consumer complaint received 2022-01-11
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. (IN)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-10
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: WELLS FARGO & COMPANY (GA)

I am a victim of Identity theft. Please delete or remove this item on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (TX)

I already have a US Bank Credit card. I tried opening a easy checking account. It asked do you have some existing relationship with us, I said yes and tried to login. It gave me an error that it can not pre-fill the form and I need to enter all the information. I filled all the form accurately and then it declined my application. This account had a promotion also and I will miss the promotion if the account is not opened. 

I got this email We appreciate your interest in a U.S. Bank account. Based on the information you provided, were unable to grant your request for the following account : U.S. Bank Easy Checking The decision was made as a result of additional verification attempts made to protect your identity. In review of your application, there were inconsistencies in the information provided. As a result, an account can not be opened for you at this time. Please visit a U.S. Bank branch in person to provide proper identification. We take our customers identity and privacy very seriously and appreciate your understanding. 
XXXX ID : XXXX
Consumer complaint received 2022-01-10
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: EQUIFAX, INC. (FL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I did not give your company consent to furnish any hard inquiries on my consumer repor. I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 


This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any XXXX LOANS.
Consumer complaint received 2022-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank sent me a new closed debit card with no valid explanation. I contacted Chase Customer Service regarding this issue on XX/XX/2021. As per Chase Customer Service Representative, they were not able to provide me with a definitive response concerning the new debit card mailed to me within a 2 day period being closed. Why would Chase Bank expedite me a new debit card that was already closed. I didnt have access to get funds from any ATM machines of Chase nor was I able to check my statement from my checking account. Chase Bank put me in a tight situation with no funds to purchase the necessities for my family. Furthermore, Chase has been charging me a {$5.00} fee, to expedite my new debit cards for the third time. Chase hasnt done this charge in a while. I want a refund for the inconvenience, they put me through without having a debit card for the week, to purchase items that were needed.
Consumer complaint received 2022-01-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (MD)

I started a refinance application with Loan Depot nearly 6 months ago and the loan still has not closed. My income and DTI to cover this mortgage is at least 5:1 minimum and my credit score is well above average. I've given them everything they have asked for in a timely manner, and they have made numerous errors at nearly every step. They have tried to look for multiple ways to deny my loan, but every time I give them the information they needed, they come up with another excuse. They have admitted to mistakes and promised to close on this loan for past two months, but this is outrageous. I highly suspect some form of discrimination, because two people I personally know closed on loans within 30-45 days of submitting information. I know I have higher income/reserves/credit than any of these people so something is highly suspicious. I would like this matter looked into ASAP. Documentation you need I'll be happy to provide.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Please be advised that you are reporting incorrect personal information on my credit report. I need the following information updated as soon as possible. 

My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My current phone number is : XXXX My current Employer is : XXXX XXXX XXXX XXXX XXXX Please remove the following personal information from my credit report. My identity has been mistaken. 

Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capital Accounts, LLC (NM)

Reference Capital AccountsNo : XXXX First of all, a customize night guard should not cost {$1100.00} with Dental Insurance unless Im Tarantazours rex. Second, Im that rare debtor that dont like owning anyone anything, so I paid in full after each visit to XXXX XXXX XXXX XXXX 

I went to XXXX XXXX XXXX XX/XX/XXXX for the fitting and paid {$440.00}, I went back when the night was supposed to be in but wasnt on XX/XX/XXXX and paid {$390.00}. A week later the night guard finally came in and I asked the office manager, how much do I owe? She said she ran my insurance and that I overpaid and they owe me {$60.00}. 

I left my job at XXXX XX/XX/XXXX. The office manager called me in XXXX of XXXX and said that I owed {$300.00} ; I recounted my visits and she remembered me. I told her that I no longer worked at XXXX. She said shed run my Dental Insurance and give me a call back, she never did and they still have sent my {$60.00}. 

Attached is my bank statements proving payment in full. Ive sent the same documents to Capital Accounts, XXXX XXXX XXXX and XXXX ; neither of these companies have accepted my proof. 

FYI : I sent the same documentation to XXXX and XXXX and theyve removed the negative charge.
Consumer complaint received 2022-01-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NJ)

On three occassions I have applied for modificaiton with my current servicer FAYE Servicing, however, they have failed to respond. The first attempt was in XX/XX/XXXX, the second attempt was XX/XX/XXXX and the latest attempt was XX/XX/XXXX. Each time I was told my application was incomplete, not received or too old. When I spoke to FAYE Servicing last week they stated that the only was to prevent a sherrif 's sale was to pay the arrears in full and it was too late to modify my loan since there was a sale date scheduled for the end of the month. I am however, requesting a 60 day stay so the sale date will be delayed. I did successfully complete an application and was in the process of reviewing the terms with XXXX, in XX/XX/XXXX, when the servicer changed to FAYE Servicing. 

I have provided all attachments required as well as the application, which was completed in its entirety. 

In addition, it is peculiar that the current assignee of my mortgage " XXXX XXXX  XXXX XXXX XXXX, not in its individual capacity but solely as owner trustee for XXXX XXXX XXXX '' was assigned the note from XXXX Investors when XXXX investors was never assigned the Note. The only assignment in the chain of title that references any type of transfer the note and/or debt is the assignment dated XX/XX/XXXX, by Assignor XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX its attorney in fact assigned to XXXX XXXX  XXXX not in its individual capacity but solely as owner trustee for XXXX XXXX XXXX XXXX 

XXXX XXXX sold my loan to XXXX a subsidary of XXXX XXXX who specializes in purchasing under performing loans from Fannie Mae, purchased the loan in XX/XX/XXXX. A lien was placed on the home shortly thereafter. My loan was owned by Fannie Mae years prior to XXXX being taken into the receivership of XXXX. Therefore, XXXX could never have sold them the loan since it was not theirs to sell.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion decreased my credit score by 57 points after I notified them that they still had a balance on a account I had paid off about two months ago. Instead of increasing my crefit score they decrease it.
Consumer complaint received 2021-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently checked my credit reports and I saw so many inaccuracies that do not match the records I have been keeping for several years. I noticed accounts that are reporting late payments and I have never been late on any payments. I also noticed accounts that were considered charged off or written off on taxes of these companies are still reporting late payments unethically.
Consumer complaint received 2022-01-10
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. (MD)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXXXXXX XX/XX/XXXX {$65000.00}, XXXX XXXX XXXX XX/XX/XXXX {$93000.00}. Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2022-01-10
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. (NJ)

I have previously requested verification and validation of a negative item listed on my credit report. The result of the investigation did not produce any documentation requested and required to support their results. The collection company also responded without providing what was requested ( a copy of their response is attached ). If this is what was used to VERIFY and VALIDATE this item then they, the credit bureaus and the collection company are in violation. No contract was produced and a one page copy showing a " balance '' is not enough to validate an alleged debt or accurately produce verification. I am enclosing copies of my recent requests to the credit bureaus and the collection company with this complaint as well as a copy of their response.
Consumer complaint received 2022-01-10
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: EQUIFAX, INC. (GA)

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. 
XXXX XXXX {$2200.00} XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards, XXXX XXXX
Consumer complaint received 2023-11-17
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (MD)

PHH took over servicing the reverse mortgage on my late parents house. I am the XXXX  XXXX trying to sell the house. It took me several years to evict a squatter and the house has been in foreclosure during those years throughout the pandemic and eviction moratorium. I thought we had agreed to hold the foreclosure in abeyance to give the estate a chance to short sell. After we finally got access to the house we discovered that the tenant had trashed it. Our interested buyer who had patiently waited to submit their offer could finally see the interior of the house. The banks appraisal came in lower than they expected and they put my buyers short sale offer on hold pending a police report that they wanted the estate to file so they can file an insurance claim to offset their losses instead of negotiating the the short sale in good faith. Meanwhile the bank refused to stay the auction which is scheduled in 3 weeks. This is a bad faith maneuver. I have no choice but to put the estate into a bankruptcy action to stay the sale.
Consumer complaint received 2022-01-10
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: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-12-01
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. (LA)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2022-01-10
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: MARINER FINANCE, LLC (GA)

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. 
Mariner Finance {$2200.00} XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards, XXXX XXXX
Consumer complaint received 2019-06-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services (GA)

I have repeatedly contacted this company to correct my late fees as they call them. In the beginning I had problems with them talking to unauthorized members on my behalf which is illegal. I paid every month until they continually added late fees that were not justified. I feel they did this so I would not be able to pay the loan off. I am very upset with this. I have tried numerous times to have this handled. They also call me at least 14 times on any given day to bully me. Never to talk and try to handle it. I do not understand.
Consumer complaint received 2019-06-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (NJ)

Checking my credit reports, saw that I have a collections notices XXXX was the original debt {$440.00} but it was bought by Diversified Consultants. 

Requested validity of debt from XXXX. 

Received letter from Diversified Consultants with original XXXX bill. 

XXXX has the wrong state that I never lived in. 

I never received the bill from XXXX because they had the wrong address in turn they sold it to debt collections and it's on my 3 credit reports.