davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (UT)

I have ordered my Lexis Nexis reports on XX/XX/XXXX and XX/XX/XXXX via mail and online with no success. 
On XX/XX/XXXX I have requested LEXIS NEXIS to dispute an item off my report via registered mail XXXX sent to LexisNexis Consumer Center, ATTN : FACT Act Dispute Request, XXXXXXXX XXXX XXXX XXXX XXXX XXXX and delivered on XX/XX/XXXX at XXXX XXXX 
Lexis Nexis completely ignored my request to dispute AND remove the item in question and have sent documentation back to me stating the dispute was not requested by me. It was a complete hassle to receive a copy of my Lexis Nexis report and this was the first time they finally gave me a copy of my Lexis Nexis report. This goes against FCRA rules.
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I ran a credit check for myself, trying to refinance my truck to get my ex off of my truck and found credit cards opened and maxed out and I didn't open them. Called the companies and without the last 4 digits of the credit cards and secure code on the back they wouldn't let me cancel the cards or give me any informations
Consumer complaint received 2024-03-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX of XXXX I sent XXXX XXXX {$400.00} for a children 's bed. Not thinking that I would get scammed because I know her personally. I've contacted Capital One, XXXX and XXXX several times without hearing anything back. I've opened disputes and sent countless emails with proof that I never received what I paid for. I contacted Capital One again XX/XX/XXXX because I never received a call or email back about the previous dispute. Only to be told someone would be emailing me about the status. Today, a year later I still have not received a refund or the item that I paid for.
Consumer complaint received 2023-06-15
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)

In accordance with the Fair Credit Reporting Act XXXX Account ( s ) has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am writing to express my profound dissatisfaction with the delayed removal of fraudulent items from my credit report and the multiple unsuccessful attempts to rectify this issue. I consider the handling of this matter unacceptable and am compelled to bring it to your attention formally. 

I discovered unauthorized and fraudulent items on my credit report. Recognizing the severity of the situation, I promptly contacted your institution to report the issue and request the immediate removal of these items. I was assured that corrective measures would be taken without undue delay. 

Regrettably, since my initial contact, these fraudulent items persist on my credit report. Despite repeated attempts to rectify the situation by contacting your customer service department, the issue remains unresolved, causing significant distress and concern on my part. 

I understand the importance of maintaining the accuracy of credit reports and the urgency of addressing fraudulent activities. The prolonged delay and multiple failed attempts to resolve this matter are not only frustrating but also damaging to my financial standing. 

In light of the gravity of the situation, I insist on an immediate and thorough investigation into the reasons for the delays and the failed attempts to remove the fraudulent items. I request a detailed explanation of the steps being taken to expedite the resolution of this matter and prevent such lapses in the future. 

Furthermore, I demand that you provide a formal, written confirmation of the removal of the fraudulent item within the exact timeframe of receiving this letter. Failure to address this concern promptly will compel me to escalate this matter to the appropriate regulatory authorities and consumer protection agencies. I am asking for your assistance to remove the fraud items : 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 2023-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

All inquiries are fraudulent as Ive not apply for anything in the past 3-4 years so all recent inquiries from any company is fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And more
Consumer complaint received 2023-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

The Current issues and concern I have are : XXXX. PHHs failure to properly service the account and ; process and apply payments in the total of XXXX made to PHH on XX/XX/XXXX For the reinstatement of the mortgage and escrow account. 
2. That as of XX/XX/XXXX PHH has stopped properly servicing the mortgage account due to the fact despite my repeated request for an accurate copy of the monthly mortgage statement. 

On XX/XX/XXXX, XXXX XXXX Consumer Account Analyst of PHH informed Texas Department of Savings and Mortgage Lending : a reinstatement of {$17000.00} was provided, were applied to satisfy past due payments, {$2500.00} was posted to cure the escrow shortage, and {$380.00} posted as an additional principal payment. 

On XX/XX/XXXX, XXXX XXXX informed Texas Department of Savings and Mortgage Lending : ..the HAF request included the escrow shortage. The escrow shortage is not determined by the appraisal district, rather it is the amount lacking in the escrow account which would result in a payment increase. The funds received were posted correctly The records of XXXX XXXX XXXX XXXX I presented to Savings and Mortgage Lending Is to show that prior to the payment made on the XXXX of XXXX there were no shortages in escrow. 

The mortgage statement dated XX/XX/XXXX not only reflects the total amount due for past payments but also, the amount in escrow which may result in a escrow shortage and/or payment increase. 

After the reinstatement of mortgage, no records support PHH claims of : 1. A lack, or shortage in the escrow account that would result for an extra XXXX cushion. 
2. An increase of the mortgage payment in the amount of {$1500.00}.

3. A account balance due for the XX/XX/XXXX. 

XXXX XXXX also stated On XX/XX/XXXX, .PHH does not determine the assistance available or how to apply it. PHH applies the funds it receives from HAF according to HAFs instructions and these instructions we followed when PHH applied {$17000.00} to this account.

Tx Haf provided me with the instructions and guidelines regarding their mortgage Reinstatement Program. [ See attachment Enclosed. ] A reinstatement program is, by definition, to cure delinquency.

Since the reinstatement of mortgage, PHH has failed to Fully comply with Tx Haf program and has stopped properly servicing the mortgage account. 

enclosed documentation : 1. my compliant to Texas Department of Savings and Mortgage Lending. 
2. Information showing : the balance outstanding balance prior to the {$17000.00} payment [ see statement dated XX/XX/XXXX ]. 
3. Information showing there was NO escrow deficiency or shortage prior to the reinstatement of mortgage [ see XXXX XXXX XXXX XXXX receipt and statement ]. 
4.Information showing : the original fixed mortgage payment of XXXX [ see statement dated XX/XX/XXXX ] 5.Information showing : PHH are providing me inaccurate monthly mortgage statements [ see mortgage statements dated XX/XX/XXXX and XX/XX/XXXX ]. 
6.PHH correspondence submitted through Texas Department of Savings and Mortgage Lending.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is information from XXXX XXXX  ( XX/XX/2023 ) on my credit report that I am not responsible for. This was something that I did not authorize and have no knowledge of. Furthermore, 15 USC section 602 A. States I have the right to privacy. 15 USC 1681 section 604 section 2. States that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681b Permissible Purpose of Consumer reports, I never gave this institution written consent to pull my credit report. 15 usc section 1681 s-2 Block of information resulting from identity theft. I asked Trans Union to remove this information from XXXX XXXX  immediately. 

*I have attached a copy of my ID *Social security card *Identity Theft Report ( XXXX )
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 sent a letter on XX/XX/2022 to XXXX. 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? 
How did they complete this investigation?
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am a victim of ID theft and most companies have happily removed their listings from my credit report. The following companies just keep verfying accounts as mine and reporting them to the three bureaus as well as XXXX XXXX XXXX and XXXX. XXXX  XXXX XXXX, XXXX XXXX XXXX, and the Collections agency that purchased the fraudulent XXXX XXXX XXXX account. i have also been unsuccessful in getting the CRAs to block these records from my report.
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am filing to formally raise my complaint regarding the inaccurate credit information present on my credit file. These inaccuracies not only cause embarrassment but also hinder my ability to access the credit I rightfully deserve. It is well-established by law that credit bureaus must report only precise credit information. It is evident that the inclusion of this erroneous information is either a mistake on your part or on the part of the reporting creditor. It is disconcerting to find that the following information has been included in my credit report : XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Please delete these fraudulent accounts in my credit ASAP.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

EQUIFAX IS VIOLATING MY FCRA RIGHTS FOR ALLOWING THIS ACCOUNT TO CONTINUE REPORTING ON MY CREDIT REPORT. 

XXXX XXXX XXXX THIS ACCOUNT HAS BEEN CHANGED MULTIPLE TIMES, DUE TO MULTIPLE REPORTING ERRORS. THE FCRA CLEARLY MENTIONS ALL INCORRECT ACCOUNTS BEING REPORTED MUST BE REMOVED. 

THIS ACCOUNT WAS PAID OFF ( NOT IN DELINQUENT ), XXXX REPORTED INCORRECT HISTORY, DID NOT INCLUDE THE GAP COVERAGE, UPON RETURNING THE LEASE AT THE END OF LEASE AGREEMENT. EQUIFAX CHANGED THE INFORMATION 5 TIMES AND IT STILL NOT CORRECT.
Consumer complaint received 2023-02-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: Regional Management Corporation (MO)

CEASE AND DESIST Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. 

I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) Zero out the balance on this account Delete account from all consumer reports Your company also inserted information into a non-affiliated third party ( consumer report ) without my permission. 



Best, Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2022-12-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.
Consumer complaint received 2023-11-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

Since XXXX I dont escrow reason why Im a XXXX XXXX Im exempt from real estate taxes and since XXXX I have maintained home insurance and I pay insurance once a year. In XXXX I refinance my home with XXXX XXXX XXXX. From XXXX I have XXXX, XXXX and now Carrington mortgage services. I have been paying Carrington since last year XXXX and the other the same amount now since last month they raise my monthly payment they implemented their own insurance and taxes when theirs no taxes bills.
Consumer complaint received 2018-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS, Specialized Loan Services purchased our home owners loan in XX/XX/2018. They advised us of this fact after we had made a payment to our previous loan company, and then have made harassing calls ever since they acquired the loan. 

If they do not receive the payment by the first of every month, they are leaving messages, or calling my cell phone about payment, and the payment is not considered late until the XXXX of the month My wife and I have credit scores in the 800 's, and have never, in 20 years had issues with making our loan payments. In fact, we generally pay more than is required to get the loan paid off earlier.
Consumer complaint received 2023-11-06
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP (OH)

I was sent to a collection agency. I have had some major life changing events and my finances have suffered. The interest on this account is outrageous. In this day and time it is unconscionable. With the price of groceries and gas and as a single person I am struggling to even eat.
Consumer complaint received 2018-09-07
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: MONEY SOURCE, INC., THE (FL)

I have a credit monitoring program and was twice Alerted. I had been very busy and when I took the time to review, I saw two unauthorized hard hit entrys :. 
1 ) XX/XX/2018 XXXX  for XXXX XXXX and 2 ) XX/XX/2018 XXXX for XXXX XXXX I contacted XXXX XXXX and XXXX advised reports were ordered by The Money Source and submitted a dispute on my behalf. 

I then called The Money Source and supervisor XXXX XXXX advised that Section 9 allowed them the authority to order these reports without specific written consent and no further action would be taken. 

I disagree and believe they should remove these entries where ever applicable. 

Thank you, XXXX XXXX
Consumer complaint received 2023-12-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (VA)

Requested that the company via account disputed with XXXX, XXXX to verify that the debit was paid directly with XXXX on XXXX of XXXX via debit card. XXXX XXXX failed verify debt or even request proof I payment from XXXX.
Consumer complaint received 2023-05-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Mobiloans, LLC (KY)

I applied for an online installment loan. Was approved for up to {$1500.00} so it asks how much I pick {$1500.00}. Just trying to find out what my monthly payment would be what my interest rate would be and click continue without showing me any of that information it automatically tells me that the money has been funded still no information on monthly payment or interest. I'm immediately on XX/XX/XXXX right after it said it was funded I immediately contacted them telling them that I was not interested that I was just trying to get my quote for my interest rate and monthly payments. And now they charge me {$170.00} twice a month when I can't afford twice a month payment I'm on XXXX which is noted on the application the interest rate is astronomical but I still don't even know what it is because they never sent me that information or gave me an opportunity to review it.. I think they should have to lower my interest rate to what my States legal limit is because like I said I don't know what rate they gave me but it is astronomically High and should be illegal especially to not disclose it to somebody before they submit because even when I did click an area that might tell me what it would be it only gave me examples not what mine specifically would be. I think they should have to knock my interest rate down to at least 26 % that my state would allow. And also make my payments once a month instead of twice a month. They should also have to stop reporting it to my credit report because I did not agree on this loan overall they should just completely wipe the loan out because I never agreed on their terms they never showed me the terms I have a copy of their email responding to me that it had all been canceled and that I would not be charged anything I have that email
Consumer complaint received 2023-03-31
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. (TX)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.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 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 2023-11-30
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)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights.
Consumer complaint received 2023-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (GA)

Credit reporting is voluntary Edfinancial Services never had my written consent nor permissible purpose to report these tradelines. XX/XX/2023 I received correspondence from US Department of Education that my borrower defense application was approved and my loans will be discharged and the tradelines will be deleted from my consumer report. The tradelines are still reporting and they are reporting inaccurate information. See more details in the attachments.