davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Dovenmuehle Mortgage, Inc. (IL)

Since XX/XX/2024, XXXX has been reporting that home equity loan has been paid 30 days late. It has definitely not. The payment due date is the XXXX. While the loan has been paid late, it has NEVER been 30 days late. The servicer DOES NOT give credit on the dates payments have been made. When payments are made at the branch, it takes XXXX days to update on the servicer 's system. Proof of payments are attached. Additionally, a dispute was submitted in writing on XX/XX/XXXX. On XX/XX/XXXX, XXXX sent a letter requesting an additional 15 days. It is now XX/XX/XXXX and there has not been a resolution or disclosure of their findings.
Consumer complaint received 2024-02-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: PNC Bank N.A. (FL)

I am writing to file a formal complaint regarding my recent experience at your branch onI visited the branch XXXX XXXX XXXX XXXX XXXX XX/XX/2024 the intention of applying for a no-documentation business loan, as per my scheduled appointment with XXXX at XXXX XXXX. 

Upon arrival, XXXX thought that I needed to open a business account, which was contrary to my original intent. Despite my explanation of seeking a no-doc loan, he proceeded to initiate an application and requested my social security number. Feeling uncomfortable, I questioned the necessity of providing this sensitive information for a no-doc loan application. 

To my surprise, XXXX insisted on obtaining my social security number, citing the need to start a business line of credit. It became evident that he was steering me towards applying for line of credit instead of the initial product I sought. Throughout the process, I felt misled and uninformed about the options available to me. 

Furthermore, I expressed concern when XXXX retained a physical copy of my social security number. Despite my request to shred the document for security purposes, my request was not honored. 

My primary grievance lies in the mishandling of my personal information and the misleading tactics employed to push me towards a different product than originally intended. I believe that my trust as a consumer was violated, and I urge PNC to investigate this matter promptly. 

I appreciate your attention to this matter and request a thorough review of the incident. Additionally, I seek assurance that my personal information has been handled securely and in accordance with relevant privacy regulations.
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (RI)

I attempted to pay my TD Double Up credit card as I normally do in late XXXX. It should be prefaced that TD Bank had made recent changes to the way you pay their own credit cards online and the process was quite convoluted. For example, you had to click " Pay a non-TD account '' in order to pay your TD credit card account, which of course makes no sense. So we should establish that the people behind TD 's bill pay system aren't exactly the best and brightest. 

When I attempted to make my payment as I did every prior month, I got a generic error screen that read " We apologize for the inconvenience '' ( see attached video ). I tried several more times over several days and continued to get this message. I even tried a different browser, so this was clearly an issue on TD Bank 's end. I wrote them and asked how I was supposed to make a payment online. They admitted issues with the Bill Pay system and to try in a few hours. However, the error persisted for what ended up being an astonishing 60+ days. During this time I again wrote them and asked if there had an plans to fix their system. They responded asking me to make a payment via their mobile app. I attempted to do so and got the exact same error message. At this point I gave up, as the due date had passed for payment. 

After a few weeks, I wrote them asking if they wanted to be paid, and if so they would need to remove the late fee and interest from the card since they were the result of TD Bank 's systems failing. They told me they would do so after I made my payment. Two weeks later, they finally fixed their system and I was able to make a payment online after several attempts. I then wrote them and asked that they remove the late fee and interest as promised. They removed the late fee but lied about removing the interest. They refused to do so.
Consumer complaint received 2024-06-22
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: Experian Information Solutions Inc. (AZ)

My credit report shows that this account was charged off. Thats fine. However, I called XXXX and paid them directly to settle my account in full. XXXX did not report that my account was paid at all, instead, they updated my credit report to show that it was charged off twice. Once AFTER I paid. I disputed this information with Experian and within 24 hours, XXXX dropped my score another XXXX points with showing the 2nd charge off. I called XXXX and customer service said they could not help me so they transferred me to the Collections Department who told me they are not required to report that an account is paid. Just that it is charged off. I know this to be false. I tried to explain that its false. XXXX is refusing to handle this matter.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2024-02-26
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: Experian Information Solutions Inc. (TX)

Dear CFPB, I am writing to express my deep concern and frustration upon discovering that XXXX and Experian have reinserted previously deleted accounts on my credit file, mirroring the inaccuracies reported by XXXX. This situation is profoundly unfair and highlights a troubling tolerance for inaccuracies within their reporting system. 

I was taken aback to find out that the once-deleted accounts are now reappearing on my credit reports without any prior notification or explanation from these bureaus. This lack of transparency and failure to communicate with their verification process is not only unsettling but also puts me at a significant disadvantage as a consumer. 

I strongly believe that the continued inclusion of these reinserted accounts is unfair, biased, and perpetuates discrepancies on my credit report. I insist on being informed of these bureau 's verification process and the rationale behind reinserting previously deleted accounts. Transparency in these procedures is crucial to maintaining trust and ensuring the accuracy of consumer credit reports. 

I request the prompt deletion of these unfair and biased discrepancies from my credit report to restore accuracy and fairness to my credit profile. It is my right as a consumer to have accurate and reliable information reflected in my credit report, and I trust that you will take swift action to rectify this situation. 

I appreciate your immediate attention to this matter and expect a timely resolution.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 
Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

To whom this may concern, I have lodged a Civil Rights US Dept. Of Justice/FTC complaint againstyour company for credit score bashing.Just 2 days ago my credit score was XXXX. Now all of a sudden 2 days later XXXX XXXX XXXX XXXX  with nothing wrong can my credit score drop to a score of XXXX.people that are working at this Equifax Credit Bureau XXXXXXXX XXXX XXXX XXXX XXXX. I will notstand for CONSTANT Credit Score BASHING harassment for no reason. 

I am consultingan attorney about this! I had enough! This CREDIT SCORE BASHING must stop! TAKE A LOOK YOU WILL SEE NO REASON FOR THIS BUREAU TO DROP MY CREDIT SCORE XXXX POINTS FOR NO REASON. 
YOU CAN SEE NOTHING RECENT HAS BEEN ADDED AND OR CHANGE! THIS IS CRUEL AND MEAN AND I AM READY TO SUE YOU PEOPLE THIS IS HARASSMENT. I AM XXXX YR. OLD XXXX XXXXXXXX XXXX AND I NEEDS THIS TO END. 

ALL I HAVE IS MY CREDIT AND I NEED MY CREDIT SCORE TO BE FAIR AND ACCURATE! 
I AM SO SICK AND TIRED O F THIS PLAYING AROUND WITH MY SCORES FOR NO REASONS Date : Fri, XX/XX/year> at XXXX Subject : Equifax current report To : XXXX XXXX XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In XX/XX/2023- I made complaint to this credit agency regarding INACCURATE AND INCORRECT information being reported on the consumer report WITHOUT MY PERMISSION. 

XXXX. XXXX XXXX is being reported as a delinquent account without my permission - violation of 15 USC 1681 ( b ) - the account is NOT in delinquency. SHOULD BE UPDATED TO REFLECT AS PAID or REMOVED IMMEDIATELY. 

XXXX. All DEPARTMENT OF EDUCATIONXXXX are still reporting late payments! This is FALSE AND INACCURATE. Both XXXX and Experian do NOT report such inaccuracies as the accounts are PAID. Experian needs to CORRECT THE REPORTING FOR ALL STUDENT LOAN ACCOUNTS to reflect its status as PAID! There are NO late payments. ( see attached evidence of the reporting shown via XXXX and XXXX. ) XXXX. There is a COLLECTION account that was previously removed that is now being again reported to the consumer account! THIS IS FALSE AND INACCURATE information! - XXXX XXXX XXXX is being reported as a {$130.00} past due which is FALSE! This issue was already reported as being inaccurate and incorrect by the apartment complex directly ( please see attached email proof ) // THIS ACCOUNT IS ALSO REFLECTING A COMPLETELY DIFFERENT DEBT COLLECTOR FROM THE PREVIOUS. False and inaccurate all around - REMOVE THIS ITEM IMMEDIATELY. 

XXXX. The identifying information being reported is false and inaccurate. REMOVE THE FOLLOWING ADDRESSES IMMEDIATELY : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THE FOLLOWING EMPLOYERS ( INACCURATE ) - XXXX XXXX - XXXX XXXX XXXX THESE INACCURACIES AND FALSE MISREPRESENTATIONS BEING REPORTED BY SUCH AN ELABORATE MECHANISM ( CREDIT AGENCY ) ARE ADVERSELY AFFECTING MY PURSUIT OF HAPPINESS IN OBTAINING CREDIT AND LIVLIHOOD. 

CORRECT THE ISSUES IMMEDIATELY.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

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 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 2023-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (TX)

XX/XX/XXXX Insurance Claim Event occured. XXXX (? ) XXXX XXXX payout around $ XXXX was sent to me, however, unfortunately had to go through mortgage escrow. We followed all of the requirements asked of our mortgage and were able to get some of the funds release ( only about 50 % ). XX/XX/XXXX, the mortgage was sold from XXXX to Shellpoint. XX/XX/XXXX almost all repairs completed including about $ XXXX in flooring replacement. XX/XX/XXXX finally had final inspector pass us with XXXX for full funds release. XX/XX/XXXX, finally get out of Shellpoint that they will not accept inspection from XXXX and request new inspection. XX/XX/XXXX, inspector ( from MCS ) comes out without setting an appointment and XXXX contact with us, and inspection attempt fails due to not being able to get through neighborhood gate ( again no contact with me attempted. XX/XX/XXXX finally new inspector comes out from Shellpoint. XX/XX/XXXX, Shellpoint has 100 % passed inspection report. XX/XX/XXXX, Shellpoint refuses to release funds and wants a lein to happen first from the contractor ( XXXX XXXX- whom I highly recommend ) who hasn't been paid since completing amazing work on XX/XX/XXXX.
Consumer complaint received 2024-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

I have filed an identity theft report after reviewing my credit report and discovering I have been a victim of identity theft. This inaccurate and unfair report has affected my eligibility in buying a home. I have requested proof of validation and method of validation and have not been provided the appropriate documentation. This account needs to be removed immediately. Please view attachments.
Consumer complaint received 2022-08-11
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. (PA)

On XX/XX/2022 I called Equifax to let them know they are in violation of their own Data Sharing Policy. They assured me that they WERE in violation of their Data Share Policy and the 2 accounts would be deleted within 72 hours. I confirmed over the phone with XXXX XXXX, Id # XXXX that Equifax was indeed in violation of their own Data Share Policy, and these accounts would be marked to be deleted in 72 hours. I confirmed AGAIN these accounts would not be put into " dispute '' but would be DELETED and she confirmed YES. The accounts were put into " dispute '' status without my consent, and then were marked as " validated '' with no documentation of my permission to report my personal and private information. Equifax 's Data Share Policy states that they have permission to report a consumer 's personal and private information because they obtained permission through the Lender. I do not remember being explicitly offered the option to opt out of having this information shared. I have requested that Equifax provide the documents from the lender that their Data Sharing Policy states they keep on file, to prove they have permission to share this information. This is a violation of my privacy and consent pursuant to 15 USC 6802 ( b ) ( 1 ). I was never given the option to opt out of having this information shared. AND I DO NOT recall being explicitly and clearly explained that I would be opting in to this information. And If I did, Equifax says they have those documents on file, and their Data Share Policy states that they can provide that to a consumer on request. I have requested it, and was denied it several times. I DO NOT want these accounts to be " investigated '' or put into a " dispute '' process. I have provided all the necessary documentation and Equifax has YET to prove that they do in fact have my express permission to report these accounts, which they do not. They need to be removed expeditiously.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In 2017, I was the victim of a robbery in my house and I reported the theft of all material belongings ( television, computers, jewelry, money, among other things ) to the police and notified the theft of my credit and debit cards. However, accounts payable appeared and others went into collection and do not disappear from my credit report. The case was even taken to court and each time the judge ruled in my favor. because it is clearly evident that the credit cards were not in my possession at the time of the consumption. However, this history has not been removed from my credit report and they appear as closed accounts but with a debit amount. despite the fact that I sent them proof that none of those cards were in my possession at the time of the consumption, which also took place in different parts of the country on the same day.
Consumer complaint received 2024-02-26
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. (FL)

I XXXX XXXX  have sent over several request to in regards to the misinformation on my credit report. And in response they come back advising that the information is verified but don't advise how when asked numerous times. And they send generic letters out saying that they think I disputed in error. I have attached all my complaints and their respective tracking numbers showing that I have also re sent them via certified mail to them as well. They have also neglected to update any of the disputed information to reflect they are under investigation after receiving my documentation.
The company has already exceeded the time allowed to address the concerns.
Please be advised by law they have 30 days to correct an issue or address it. And for FTC they have 4 days both of which have been ignored by the company. 

These complaints have also been uploaded to their document upload portal.

Tracking numbers: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX