davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I have had a home mortgage since 1997. I have always paid extra into the escrow to insure the insurance and taxes are paid. I am in good standing. XXXX sold my morgage to NationStar. XXXX said the terms will be the same. NationStar is now charging me fees of {$75.00} to pay taxes and insurance from my escrow account
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WA)

I have requested the removal of false addresses and phone numbers and names from experian which hold a false account from XXXXXX/XX/XXXX in my experian system and this is not in my XXXX account XXXX XXXX account is accurate and up to date
Consumer complaint received 2023-10-09
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I recently was denied my claim of Unemployment Insurance fraud concerning the use and spending of the amount of {$2900.00}. This amount was to be paid to me during the XXXX outbreak where citizens were ordered to stay home and and no non essential travels in the state of Nevada. My Unemployment check was hacked by an unknown user and my funds were never received. Their claim is that I activated the card, so therefore I'm responsible for the charges to this card, of which was never used! The Fraud department hung up on me when trying to dispute their findings!
Consumer complaint received 2023-05-17
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. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : XXXX, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; DEPARTMENT OF EDUCATION Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; BANK XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; RESIDENT VERIFY Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX  CO ) XXXX Balance : {$220.00}.
Consumer complaint received 2023-10-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

when trying to make a payment online on the day it is due, capitol one will not accept the payment and forces you to note the payment made on the following day. then they give you a late payment date. date payment due. XX/XX/XXXX, attempt to make payment, XXXX XXXX act. # is XXXX auto loan. XXXX XXXX made the amt. due payment of XXXX on the XXXX of XXXX but XXXX XXXX would not accept the online bank debit payment until the XXXX time of attempt approx. XXXXXXXX XXXX XXXX XXXXXXXX payment are due on the XXXX of each month.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2017-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MO)

I experienced a property loss on XX/XX/2016. NationStar Mortgage is withholding disbursement of my remaining insurance funds. They have not communicated to me about why funds are not released in spite of my meeting all repairs and inspections requirements completed in XX/XX/2016. I keep getting run around from them and this is affecting me negatively. They are not in compliance with Texas Insurance Code requiring the mortgage company to release funds within 10 days of my meeting the requirements or communicating the requirements.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

There are currently two installments loans reporting on my credit report from XXXX XXXX. Both these loans are paid in full and showing a balance owed. 

Date : XX/XX/XXXX Lessor : XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Agreement Number : XXXX lease Was paid in full as of XX/XX/XXXX Date : XXXX  - XXXX Agreement with an Option to Purchase XX/XX/XXXX Lessor : XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Agreement Number : XXXX lease Paid in full as of XX/XX/XXXX
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

Cover Letter For Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX Last XXXX SSN : XXXX Remove All Inquiries
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

DELETE FRAUDF ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.
Consumer complaint received 2023-10-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OPORTUN FINANCIAL CORPORATION (NJ)

I received an installment loan from Oportun. I have fallen behind, but the account is not in collections. 
Between XX/XX/XXXX and XX/XX/2023, I received 13 phone calls. 
Between XX/XX/XXXX and XX/XX/2023, I received 22 phone calls.
Consumer complaint received 2023-10-09
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I received an Amex gift card in XXXX. Since than I cant use it anywhere. I called to customer service in XXXX and XXXX and they said what I needed to do but I did everything already and still not working.
Consumer complaint received 2022-12-08
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. (FL)

XXXX has knowingly disregarded my disputes on the XXXX XXXX XXXX dispute. I submitted paperwork showing this was paid and closed to be removed in XX/XX/2022 and the continually keep violating the FCRA and keep inaccurately reporting it. It is supposed to be removed as part of the settlement.
Consumer complaint received 2023-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX XXXX Account NumberXXXX I did not authorize it. I am a victim of ID Theft please investigate and remove it from my credit report ASAP. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. This is causing great stress and greatly affecting my ability to buy a home for my family.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MN)

There are several bankruptcy on my credit however This is impossible I filed a XXXX  XXXX and something got miss they made me correct and refile and after all of that it was the wrong jurisdiction so they dismissed it and made me file in a total different State City and County I got a full discharge XX/XX/2018 I did give the courts or any bureau to publish my bankruptcy as many times as they did due to lack of knowledge from court. It is clear you can only have one or the other and you get one every XXXX years. The one in Ohio is accurate the rest are not. please correct my file immediately. lthough I continued to get wrong information I did not even qaulify for a XXXX  XXXX I did not meet the guidelines which was not very clear due to they had just change the law a few year prior to. 
This is what FRA says In accordance with the Fair Credit Reporting act 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 All is not reporting all my information correctly I know my cards report to all the credit agencies and you have missing information please update my file with the current address as well as the missing reports from my creditors and all those inquires need to be removed I did not allow my credit to be ran XXXX times or so and there is missing information on a couple of accts I do not know whom they are but need to be deleted I have been disputing these and you continue to leave them on my credit profile with no contact info or whom the original creditor was and I was not notified I don't who this is I have a common name and this is not mine
Consumer complaint received 2024-04-07
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. (AL)

This is improper use of my credit report with inaccurate information. 

In accordance with the Fair Credit Reporting Act ( XXXX XXXXXXXX with credit cards ending inXXXX XXXX XXXX and XXXX XXXX  ending in XXXX XXXX, XXXX XXXX  XXXX XXXX Credit Cards ending in XXXX, XXXX XXXX XXXX XXXX ending in XXXX XXXX  XXXX XXXX XXXXt card ending in XXXX. All of these companies has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-09
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. (GA)

I recently reviewed my credit report and found unauthorized inquiries.

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, 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. 
The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXXXXXX XXXX Inquiry XXXX XXXX XX/XX/2023 Reason : I don't recognize this inquiry
Consumer complaint received 2023-11-08
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: EQUIFAX, INC. (GA)

I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me XXXX stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (TX)

Dear CFPB, I am writing to file a complaint against Wells Fargo regarding their deceptive practices of unbinding my repayment account on my due date and their refusal to rectify the situation. On numerous occasions, I have contacted the bank to address this issue, and they claim that the repayment account, which has been used multiple times, is unverified. However, I have evidence that my XXXX XXXX XXXX account was verified on XX/XX/XXXX, as shown below, and I have made multiple repayments. 

I received {$38.00} in interest income, as evidenced by my account statement from XXXX XXXX. This demonstrates my financial stability and ability to meet my repayment obligations. 

The banks insistence that this is my fault is unjustifiable. Furthermore, they have requested that I re-enter my card information into the app, but the system only informs me that this account already exists and requires another card to be added. This mismanagement by the bank, which is on the brink of bankruptcy, is inexcusable, and they are wrongfully shifting blame onto their customers. 

I am submitting this complaint in the hope that the bank will promptly resolve this issue. In the meantime, I will not bear any interest incurred during this period, as this is not my error. 

Sincerely, XXXX
Consumer complaint received 2023-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX XXXX XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-05-17
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. (SC)

I am asking kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Great American Finance Co (IN)

Per the IRS, this account is canceled debt and its being reported on my credit as debt. I have requested a 1099-C form from this company to be furnished as this is ordinary income. I have not received this document. This report is inaccurate and is a violation of 15 USC 1681EB. I request immediate removal of this account to comply with the FCRA.
Consumer complaint received 2023-01-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

XX/XX/22 I paid for a service that I DID NOT RECIEVE AND STILL HAVE NOT RECEIVED through my Chime debit card. I have disputed and tried to get my money back thru Chime who is refusing to give me my {$300.00} back! I was scammed through a XXXX  XXXX  user and I sent in multiple Documents proving I never received what I paid for. They sent back a document of me requesting a refund from the scammer and said that was the reason they are not giving me my money back! How does that even make logical sense! Chime states they assist and refund customers who have been scammed or paid for something they did not receive however, they are not helping me! I have been patient, and tried to work this out but this is ridiculous! They have no reason to not assist me with this. The documents they provided makes XXXX sense and doesnt even state what I said or prove anything besides that my money was indeed stolen! Please help {$300.00} gone down the drain & my bank Chime/XXXX  is not helping! I have multiple documents of me trying to work this out with both XXXX XXXX, Chime, and the scammer who refuses to give me my money or respond after I sent the payment.
Consumer complaint received 2023-10-09
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. (IL)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
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: EQUIFAX, INC. (FL)

Equifax won't removed fraudulent inquires. They failed to updated the correct amount on student loan. I filed a dispute on XX/XX/2023 and they complete it that fast on XX/XX/2023. I contacted the XXXX in XXXX Tennessee . They stated not my inquiry. If not removed legal action will be require against Equifax.
Consumer complaint received 2023-10-09
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company (GA)

I have requested to revoke further ACH payments from my account till i can see if these were illegal loans. The Interest rates are ridiculous and none of the lenders were found in the NLMS. 

I was not aware that most payday loans were illegal in Georgia. 

I am attaching copies of Loan Agreements. 

Companies involved : Fine Day loans Crane Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX