davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CO)

My daughter and I have been trying to get approved for a mortgage for more than a month. Our mortgage broker at XXXX XXXX XXXX can pull my credit report with no issue but when he pulls my daughter 's credit report it comes up with XXXX credit like she doesn't exist. She has a XXXX credit score and lots of credit so not sure what's going on. We've lost two houses so far because the mortgage broker can't pull her credit report. We finally chased it down to an Equifax issue. Yesterday XX/XX/XXXX we called the Equifax to see what the problem was. It turned out Equifax had a weird combination of my name and her name. We have different last names but they had her last name as mine. Then they have her first and middle name transposed. She has never used the name. The person at Equifax told her to submit a name dispute online. My daughter didn't have an account so she created one with her own email address and got a confirmation.. She then submitted the dispute. The dispute confirmation came to my email address which is completely different than hers. Our accounts should not be tied together at all. She's an adult. I have had an Equifax account online for several years. So yesterday after she does the dispute I get an email address with the dispute number. I go ask her what is this about? They're sending me her dispute information like I'm her. Our email addresses are not combined. Our accounts are completely separate. She checks her email and she didn't get a dispute confirmation. Today we call Equifax back and tell them what's happening. The guy confirms my email address for my account. Then he confirms that her account is attached to her email address. They are preventing us from getting approved for a mortgage and they breached our privacy. It's affecting us financially, physically, emotionally and mentally at this point. I'm XXXX and I've been having a lot of problems so I'm trying to get to a house that is more handicap friendly. I've missed out on XXXX houses so far because we can't get approved for a mortgage. Both of us are locked out of our online accounts so we can't do anything there. Can't even look at our information anymore. I don't know what to do so I could use some help.
Consumer complaint received 2015-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WA)

I am trying to get my PMI cancelled including appreciation. The mortgage company has repeatedly sent me the same e-mail with information that tells me my house needs to appraise at a value that would bring me to a 70 % LTV ratio, but the document clearly says that I only need to get to 75 % LTV. I have contacted them via e-mail 5 times, called and a manager who confirmed that the appraisal value should be lower. I asked the manager to send that to me in writing, but he did n't. When I followed up to talk to the manager, the company informed me that they would be sending me the same information that they already sent with the higher appraisal value. The company is providing incorrect written information which could be used to deny PMI cancellation in the future even when criteria have been met to cancel it.
Consumer complaint received 2023-12-14
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)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-29
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)

Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint.

In my case Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History? 
The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (MN)

Late Sunday night XXXX and early Monday morning XXXX, I attempted to access my online account for my two checking accounts, checking reserve, savings account, and credit card account with USBank. I was unable to log in. During the day on XXXX, I attempted to access my account using the USBank website. It continued to refuse me the ability to log in and access my accounts with the message that my account was locked. On the late afternoon of Monday XXXX, I called customer service to regain access to my account. The customer support representatives rudely continued to deny me access to my account, saying that it was " under security review '' for 48 hours. This is unacceptable behavior and a violation of my rights and the agreement with USBank. I demand access to my account immediately or I will close all accounts.
Consumer complaint received 2024-05-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: LendingPoint Holdings LLC (WA)

Since XXXX of XXXX Lending Point has failed to pay my principal balance. When payments XXXX XXXX would submit a XXXX dollar payment the whole payment would be applied to the interest and none to the principal balance. XXXX was confused about how this could happen for over 2 years. When XXXX would submit large payments agents would call her and tell her that she did not submit a payment when she brought to the agents ' attention that she did submit large payments the agents never took the money and placed it in the principal balance. I would like lending point investigated because since XXXX I have been making large payments on my account on-time but the payments have been placed all towards the interest and not the principal balance.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (NY)

I received a copy of my credit report, it has a lot of inaccurate information on it..This company self/ XXXX XXXX  is stating that I took out a loan. I have never heard of them and never had any dealing with this company.. I've only ever taken 2 loans in my life..This is not my account and under, 15 Usc 1861 I'm allowed to have a accurate credit profile and this account is negatively reported false information..
Consumer complaint received 2024-06-01
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NV)

On XX/XX/XXXX, I placed an order from XXXX XXXX  using the XXXX XXXX  issued by Synchrony Bank in XX/XX/XXXX. The purchase was accepted, the order even showed the last 4 of the credit card number on the invoice. I even received my order just days later. I went to check on the balance of the card yesterday, XX/XX/XXXX, but the account was not listed on the XXXX portal. When I called them and asked what happened, the representative told me that the account was closed due to inactivity. But I have never received any notifications to that fact! It was very suspicious to me that they would close the account the very first time I made a purchase using this card. I have since read similar instances in various online forums where they closed accounts the moment a purchase was made. They claimed it was because of inactivity over one year from the date of issue, but there is another XXXX card that I have not used in over a year that is still open! They would not reinstate my account, and said that I would receive paper statements by which to pay my bill. Having elected paperless billing as I do with all accounts, this will force me into being charged {$2.00} every month for paper billing on an account that I can not access online. And they don't even know why it's not appearing in their online portal! This is shady business practice and they should be investigated.
Consumer complaint received 2023-12-20
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: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-13
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. (TN)

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 XXXX XXXX. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681section 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 1681 C ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

I used my Citibank debit card on XX/XX/year> at the XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. However, when I tried to either swipe or insert the card, the card didn't seem to work, and no payment was made. My account was blocked and under review after I tried two or three times. I called Citibank service immediately, and the person on the line told me Citibank would finish the review process, and someone at the fraud department would contact me within 24 hours and at the end of that business day. At this time, I found that the checking account in my online banking account had disappeared. 

Despite my initial trust in Citibank, I have been left in a state of uncertainty since the incident. I have made over XXXX calls to the Citibank fraud department and visited offline branches XXXX times. However, each branch visit only resulted in a staff member assisting me to call the same number. When I called the number independently, I received the same response each time : 'We have escalated your case, ' 'You will be contacted within 24 hours/at the end of the business day '. 
What seems much more ridiculous is that I haven't received any call or response from a Citibank representative. Everyone asked me to wait but refused to give me an exact time. This was a tremendous amount of money ; without it, I couldn't afford my rent or tuition, which heavily affected my credit score. Even if I would like to end my relationship with the bank or close my account, they asked me to wait until the review process was complete. 

Additionally, I called Citibank right after my card seemed to need fixing and confirmed the payment was made by myself instead of anyone else. Someone told me the fraud problem had already been resolved, but the checking account was still disappearing, and I couldn't use any money. 

I want to know why Citibank did this after I immediately confirmed with the representative and constantly lied. Everyone promised that someone would get back to me, but I haven't received any response for three weeks.
Consumer complaint received 2024-07-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Onity Group Inc. (NC)

My loan is currently serviced by PHH Mortgage Servicing, po box XXXX, XXXX. XXXX, NJ XXXX. My loan number is XXXX. The contact number for PHH is XXXX XXXX and the email is XXXX. I have paid my balance down to well under the 78 % loan to value required by the Homeowners Protection Act but PHH refuses to remove the cost of Private Mortgage Insurance. I have been working with them since XXXX of 2023 when I made a payment to reduce my principal balance. 

Since then, I have been told that the Investor on my loan requires that I pay for a new appraisal and that the appraisal will then need to be reviewed to determine if I am eligible to have the cost of Private Mortgage Insurance removed. I have talked to a number of people that are in a supervisory position and discussed the clear language in the Homeowners Protection. In response, I am told that Investor requirements are more important than the act and that I must pay for a new appraisal or continue to pay the cost of PMI. 

I have continued to make timely payments while trying to have PMI removed. My balance is now down to 75 % loan to value and they still will not remove PMI. I need to know if Investor requirements can override the Homeowners Protection Act?
Consumer complaint received 2023-12-14
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. (NC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2024-04-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Oklahoma Motor Credit Company (OK)

XXXX XXXX XXXX. Of XXXX, XXXX, XXXX. Filed false petition lying and is trying to obtain Default Judgment. Knowing she is participating in a conspiracy, aiding and abetting. XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX. DID NOT PROVIDE TITLE IN 30 DAYS VEHICLE COULD NOT BE REGISTERED AND THEY SOLD VEHICLE KNOWING PROBLEMS WITH TITLE in Bad Faith. Sold vehicle that was dangerous to drive and a defective vehicle. She will be held accountable. Bar license complaint will be filed and I want her license to practice law revoked permanently and damages to be paid that I am entitled to. What is done in deception will be brought to light. You will also be facing several lawsuits here shortly in regards to this matter. You are a monster.
Consumer complaint received 2024-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I noticed a collections on my account for {$500.00}. There is no further information listed other than Account # XXXX. There isnt any contact information or creditor information listed. This is not my debt and this violates my rights to have this random collection account on my profile. Please delete
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope this letter finds you well. I am writing to address a concern regarding the information on my credit report. After reviewing my credit report, I noticed that there are late payments listed on my account, and I would like to request either their removal or correction. 

I understand the importance of maintaining an accurate credit history, and I take my financial responsibilities seriously. However, I believe there may be an error in the reporting of late payments on my credit report. I have attached supporting documentation, including bank statements and payment records, to illustrate that these late payments are not accurate. 

XXXX XXXXXXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service XXXX XXXX XXXXXXXX This account XXXX NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service I kindly request that you investigate this matter and, if appropriate, remove or correct the late payments from my credit report. I am committed to maintaining a positive credit history, and the accurate representation of my financial status is crucial for my financial well-being. 

Thank you for your time and assistance in rectifying this matter. I am confident that we can work together to ensure the accuracy of my credit report.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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.

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 2024-06-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Rocket Mortgage, LLC (WV)

Trying to get a refi on my house so I can buy my husband out of his part for the XXXX rocket mortgage sent an appraiser out here to do the appraisal the guy not picked about chipped paint and wanted us to change our source of heat over to electric or gas because people r lazy. Report will be uploaded they told me I could dispute it if I found property that sold for more with similar structures. I have done that and sent them pictures. Then they changed my loan officer to someone else and put a new person on it and he never even contacted me plus he lowered the loan even more than what it was.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

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 2023-10-14
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$280000.00} XXXX  XXXX XXXX Balance : {$0.00}