davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-03
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: FirstPoint Collection Resources (NC)

I've been working with XXXX credit company for several years and they honestly do not care or want to help me. There's several bad address on my credit file that are fraud and 24 fraud accounts on my credit file with them, but no one will help me. I deal with the office of the consumer affairs sense theirs been so much fraud on my credit file. I have faxed them a new police report every year with fraud accounts and they never remove the fraud accounts no once. I contacted everyone of the banks that had fraud accounts of my credit file and they all said we have never received anything from XXXX, but we have gotten reports from XXXX   to remove the accounts asap. I'm attaching a new police report with fraud address and accounts on it. Next step will be legal. i want those accounts off my credit file asap and for them to keep the police report on file. The office of the consumer affairs want even let me dispute anything until i give them a ID and police report, I have given them my ID and police report several times and they keep losing it for some reason. Please help me. My bank loan on my house is being called in because of the fraud account showing on my credit file with XXXX. Everything has been removed from XXXX, XXXX several years ago.
Consumer complaint received 2024-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (MD)

In my state, property taxes can be paid semi-annually or annually. If paid annually, an early payment discount is applied. If paid semi-annually, a penalty is applied and there is no discount. My mortgage was originally set up on a semi-annual payment method, but in XXXX XXXX XXXX, via chat with a Mr. Cooper agent before the property tax deadline in Maryland, I requested that my property tax be paid annually instead of semi-annually per language in my mortgage contract. At this time I was told Mr. Cooper is not able to pay Maryland property taxes annually, but that any difference in the total amount charged between annual and semi-annual would be refunded to my account. Indeed, their website says " Some tax authorities even offer 'early payment discounts. ' If youre eligible for these, well always try make your payments in time to get them. If, on the off chance, we miss the discount deadline, well cover the difference and reimburse the missed discount amount into your escrow account. '' So, I took Mr. Cooper on their word and did not insist that my taxes be paid annually as a legal option of my mortgage.

Mr. Cooper proceeded to pay my property taxes semi-annually ( in XXXX and XXXX ), but did not proceed to refund my escrow account for the early payment discount. Instead, the entire semi-annual amount was debited which includes the semi-annual payment service fee. I brought this issue up on XX/XX/XXXX via online Chat with a Mr. Cooper agent, and was directed to email XXXX to resolve the issue. I did ( see attached email ), and attached a copy of my property tax bill showing the service fee ( also attached below ). I was told that this issue would be resolved in XXXX business days. On XX/XX/XXXX ( XXXX business days later ), I called to follow up and was told my request was denied because the chat agent entered a " vague '' ticket. Therefore, due to an internal mistake by a Mr. Cooper agent, I was told to wait until XX/XX/XXXX. On XX/XX/XXXX, a Mr. Cooper agent did call me, and informed me that the new request was denied without reason. The agent did say a new ticket would be filed, and I would be updated in XXXX business days. This is when I decided to file a complaint as this whole process is taking an extraordinary amount of time and effort on my part to enforce a basic clause of my mortgage agreement.
Consumer complaint received 2024-03-21
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. (NY)

I'd like to dispute the reporting of a late payment on my credit report.I have contacted the bank regarding this late payment, and they have approved updating the account to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update this account to reflect that it has never been late. 

XXXX XXXX XXXX
Consumer complaint received 2018-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I have been double charged for the last 3 months plus by XXXX. I called them, emailed, etc and the false charges arent stopped and I havent been reimbursed. So I called Huntington bank to hold charges and investigate XXXX charges. The telephone clerk said they couldnt do that. I asked why I wasnt given any reason. I then asked for a policy letter and the person on Huntington call line identified herself as XXXX send, no. Secondly, I asked for company employee number she hung up. In short Huntington wouldnt put a hold on false charges and still hasnt correct false overcharges, complete account audit or tell me where nearly {$900.00} of overcharges came from or accounted for. XXXX likewise havent reimbursed me for false charges this clearly is account hacking on both accounts and they both are covering up companies insecurity.
Consumer complaint received 2023-05-08
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: CAINE & WEINER COMPANY, INC. (PA)

CEASE AND XXXX XXXX XXXX XXXX XXXX to a willing person, it is not a wrong CAINE & WEINER company this is a written request for you to cease and desist all forms communication with me effective immediately. 
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Furthermore you have no jurisdiction or authority to collect on this allege debt.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You CAINE & WEINER knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON XXXXXXXX XXXX XXXX XXXXXXXX Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
Consumer complaint received 2018-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX Bank issued [ 4 ] XXXX with identifiable event codes for the following accounts : XXXX, XXXX, XXXX, XXXX. Each of the accounts were disputed by me. I neither used, nor benefited from the accounts. On information or beleif, my former spouse opened these accounts without me knowing it. I never once used these cards. XXXX thought otherwise and continued to attempt collections even though I was insolvent. XXXX continues to report these accounts on my credit reports even though the debt has been discharged. XXXX is errant in reporting these accounts and does so four times each month.
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: HUNTINGTON NATIONAL BANK, THE (MO)

I am actually trying to lodge a complaint about credit inquery into my credit as part of mortgage applications and job applications. Previously I have never had issues with my credit but now I have multiple hard inquiry over a recent period. 

Huntington bank XX/XX/2017 and XX/XX/2017. Neither of these were authorized. I had submitted information to a mortgage broker to allow them to come up with a GENERALIZED idea of possible loan amounts. After the first one was completed, i had emailed a different broker within the same company as I was trying to work in a different region than the original inquiry. They once again wanted all my information but i informed them specifically to NOT SUBMIT a request because I had all that information and huntington bank should already have all my information for any mortgage quotes they could provide. INSTEAD they inquired again which affected my credit score. I attempted to contact them to resolve this issue but the mortgage broker said there was nothing he could do. I COULD UNDERSTAND TWO DIFFERENT BANKS BUT THIS IS THE SAME BANK AND IT PENALIZES MY SCORE!!!

Is there ANY WAY to get one instance removed? I understand the initial huntington bank but the duplicate really hurts my score and was unreasonable!

Thank you for any help you may provide
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. 
I'm attaching my credit report with the account circled.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Equifax Data Breach Settlement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As i have been a victim of the Equifax Data Breach and identity theft please refer to CFPB Complaints submitted XXXX XXXX XXXX XXXX  I have attached complaints, Claims sent, and proof of package sent to Equifax Data Breach Settlement, cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As I plan to seek litigation as this has gone on too long without resolution as this is my final attempt as a declaration
Consumer complaint received 2023-11-17
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. (MS)

I reviewed my credit report and noticed some credit inquires and accounts that do not belong to me! I have filed an Identity Theft Report with Fair Trade Commission for the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries are not mine : 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 2023-05-08
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: EQUIFAX, INC. (AL)

On XX/XX/2023 I sent XXXX XXXX XXXX a certified letter asking the to validate an alleged debt. In this letter I asked them to provide me with the original purchase agreement along with the terms and conditions of that agreement. I also asked XXXX XXXX XXXX to provide proof that the are legally able to collect debt in the state of Alabama. They did not respond in 30 days and when they did respond the were only able to provide a copy of a bill. On the bill, no where did it state that they were the owners of the debt. I have never had a contract with XXXX XXXX XXXX. It is also a violation to send debt collection letters with the debt collectors logo.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize these inquiries XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 90 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Consumer complaint received 2023-11-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LD Holdings Group, LLC (MS)

Recruited to work full time with benefits for loanDepot. Accepted the employment offer, with a 3 month guarantee to work one year in the XXXX, XXXX XXXX. XXXX months later, loanDepot closed the branch I was assigned to without notification, which left me unable to complete the term. I was the very last employee at that location once they closed the office. I performed work on abandoned loans that the community referring agencies needed immediate help with. I helped pack up the office. I had also managed to still produce mortgages, and was not compensated, as they then said that I breached the employment contract, and the wanted to collect the entire guarantee back. They have threatened and now placed a collection on my account through XXXX, and that means that I was actually not paid at all for any of the full time XXXX month work that I performed.
Consumer complaint received 2018-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My loan is currently held by Select Portfolio Servicing & am currently paying PMI since it's inception in XXXX. I have requested to cancel PMI on numerous occasions but it has fallen on deaf ears. 

Under the Homeowners Protection Act of 1998, if my loan is closed on or after XX/XX/XXXX as a single family primary residence & I am current on my loan payments, PMI will automatically terminate on the date the principal balance of my loan is first scheduled to reach 78 % of the original value of the property. This is a clause under Automatic Termination of PMI. I am currently under 49 % & still paying each month for no reason. I want them to be accountable & cancel my PMI as soon as possible & reimburse me thousands of dollars I have paid in PMI installments each month.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 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 2024-03-21
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. (NY)

Experian is knowingly and willingly engaging in Aggravated Identity Theft by attempting to collect on an extension of credit and punishing me for non-repayment, despite the fact that I am not the debtor as they are alleging. This action violates 18 USC 894 ( a ) ( 2 ), 15 USC 1681a, 18 USC 1028A, The Gramm-Leach-Bliley Act, and RICO. This constitutes Identity Theft under 15 USC 1681a ( 3 ). The information I am requesting to be removed is not sent in error and is an affidavit of fact, thus there is no material misrepresentation of the fact. The account I want to dispute is : XXXX XXXX XXXX
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. ()

I tried to edposit a check on XX/XX/XXXX, but after a while ( XX/XX/XXXX ) the bank said it was returned. The return reason was : Refer to maker. In the same day I called the check issuer, Citizens Bank, to check what happened, but they said they could not provide me with this information.
Consumer complaint received 2018-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Chapter XXXX bankruptcy filed XX/XX/XXXX. Kohls/capital one has inaccurately reported this account to XXXX on multiple occasions, initially not reflecting the Chapter XXXX at all. Most recently, it reflected the Chapter XXXX filed in XX/XX/XXXX, instead if XX/XX/XXXX and reported a failure to pay in XX/XX/XXXX which caused my missed payment to be reflected inaccurately. I opened a dispute with XXXX XX/XX/XXXX stating the chapter XXXX date should be updated to reflect correctly of XXXX and that the missed payment from XX/XX/XXXX should also be removed. I received the dispute was completed XX/XX/XXXX and that it was updated. Yet this creditor reported ANOTHER missed payment in XX/XX/XXXX causing my FICO score with XXXX to drop 20+ points as this is the only event that has happened which would negatively impact my score. 

I have attempted to contact this creditor MULTIPLE times to just report the information accurately, I get mocked each time i call, and unable to speak to their 'bankruptcy department '. 

I have attempted to explain this information to XXXX   reflecting the facts andvtheyvjust kick it to the creditor to update who keeps inaccurately and falsely reporting missed payments which are negateively impacting my FICO scores that I sn trying to rebuild from after facing an unfortunate situation. My XXXX FICO score is approximately 45 points lower than my XXXX and XXXX scores and solely based on the way Kohls/capital one is reporting my closed account.
Consumer complaint received 2023-06-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (NY)

Received a promotion from American Express Bank via email addressed to me personally where if you deposited {$25000.00} in a high yield account and kept it there for 3 months, then you would receive {$350.00}. I deposited the money back in XX/XX/XXXX and kept it there for the required time but never received the {$350.00}. when I contacted them, they said I wasn't eligible. I forwarded them the email I received saying that I was eligible. They received the email with the info but keep saying they have to investigate. I have contacted them 7 times since XX/XX/XXXX. I have spoken to numerous managers who just keep saying that they have to send their boss an email to investigate
Consumer complaint received 2024-03-21
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. (FL)

EXPERIAN : I HAVE SENT THE LETTER THAT THE COLLECTION COMPANY SENT ME STATING THEY THEY REQUESTED ALL 3 CREDIT BUREAU TO DELETE THIS INACCURATE INFORMATION ON MY CONSUMER REPORT THAT SHOULD HAVE BEEN DELETED. THEY ARE REPORTING WITH NO ORIGINAL CREDITOR. THIS IS VIOLATING MY RIGHTS AS A CONSUMER. THEY ARE REQUIRED TOB PROVIDE ORIGINAL CREDITOR INFORMATION TO ME. MY CREDITCIS IMPORTANT TO ME I BELIEVE IT'S BEING UNJUSTLY DEGRADED AS A RESULT OF THIS UNFORTUNATE ERROR. MY RIGHTS AE BEING VIOLATED UNDER THE FCRA.
Consumer complaint received 2018-09-03
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: Experian Information Solutions Inc. (IL)

purchased XXXX XXXX XXXX financed thru XXXX XXXXXXXX XXXX that was paid off in XX/XX/XXXX and i have the care title in hand and a payoff letter from the bank and they are reporting i still owe XXXX and showing late payments collection and charge off on my credit report and non of the credit reporting agencies will remove this info. I have sent in proof multiple times and the bank will not fix the error or the credit agencies will not fix this error. NOTE if car was not paid in full why do i have the title and a payoff letter stating it was paid in full. this is the 2nd dispute for this same issue with cfpd prior file should have all paperwork. will send again if need be. 
Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX