davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I applied for a XXXX credit card but was refused because of " too many inquiries '' on XXXX. XXXX shows inquiries from : Bank of America, XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX 
Bank of America : I have a current credit card always paid on time. 
XXXX XXXX who is this?? 
XXXX XXXX XXXX : a XXXX bank associated with XXXX. 
XXXX 's XXXX XXXX. : associated with XXXX XXXX where I have a loan which is always current and paid on time. 

I made a purchase at XXXX this month. I DID NOT AUTHORIZE A HARD INQUIRY. 
CAN THEY RUIN MY CREDIT JUST BECAUSE I MADE A PURCHASE THERE??? 

I DID NOT AUTHORIZE ANY INQUIRIES FROM ANY OF THESE PLACES. IF I HAVE AN ACCOUNT IN GOOD STANDING, CAN A BANK MAKE THESE INQUIRIES WHICH EVIDENTLY IS RUINING MY CREDIT. MY SCORE IS HIGH XXXX 's.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2021-01-18
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: EQUIFAX, INC. (GA)

XXXX, XXXX, & Equifax have not been responding to any of my disputes! I have been disputing items on my credit report and NON of them have responded to me. I have been patient because I understand that COVID has caused some delays but it is getting ridiculous. Under the law they still have to notify me and respond within 30 days!! There are erroneous items on my credit report that need to be removed immediately.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I sent my FTC report. Along with my license to XXXX, Equifax, and XXXX. I have fraudulent accounts reporting in my consumer report. I will be filing a civil lawsuit. These accounts are fraudulent and I followed the process to notify the above reporting agencies about the dispute.
Consumer complaint received 2023-07-02
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 # XXXXXXXX XXXX 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
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Please update the following accounts and paid, never late. 

15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ) - Reporting During XXXX ( Instructions Please Update to Never Late ) XXXX XXXX  Account Number : XXXX Dates that need to be updated to current XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please correct/update this inaccurate information on my credit report
Consumer complaint received 2017-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
Your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application is entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). We have been advised all information must come through the opposing counsel handling the foreclosure of the loan due to it being listed as a litigation file with the lender - XXXX has tried many times to obtain this information and the lender has failed to provide what is being asked for regarding the review of a modification.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX is not marking a payment I made on my credit report. Rather than mark my payment current it marked as ND which dropped my credit report XXXX points. I had extended my loan and was told that it would not affect my credit and even paid my car off before the extension was over.
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2018-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I deposit a check through the mobile app on my phone for XXXX dollars and I was told that my money will be available until Thursday XXXX of XXXX and they gave me a hard time over the phone and said they need to verified the funds are legit and Im so sick of waiting and I need my money right away
Consumer complaint received 2017-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

Your support in this matter is appreciated in advance. I have two mortgages with Nationstar. Each loan is at least 10 years old to date. I have never missed a payment nor have I been late on either loan payment to Nationstar. When speaking with a lender recently who had run a credit report, I was alerted there were two " late mortgage payments '' showing on one of the loans for the months of XX/XX/XXXX and XX/XX/XXXX. I was quite upset to hear about this considering I monitor the status of my credit. When I checked my banking records, all payments in XX/XX/XXXX were paid on time. When I called Nationstar to inquire about this I was informed the loan amounts had changed ( escrow and interest ) and my payment was short not late. I was not aware of the change and was surprised this had occurred and was not notified. From what I recall from my original note, partial mortgage payments were not accepted. I should have received the original check back to me notifying me the payment was incorrect and not accepted. I then would have been informed of the shortage, made sure it was taken care of, and would not have this infraction on my credit. Often I receive from Nationstar a special delivery notification ( XXXX XXXX or other overnight delivery ) about considering to refinance my properties. If this is the case, why was I not sent an overnight alert of importance to tell me about the shortage payment on my loan? Maintaining my credit score is very important to me and has been for over 30 years I have established credit. I have paid 5 ( and two second mortgages ) mortgages faithfully since the XXXX housing market crash and felt quite proud that I never have been late nor had to walk away from a mortgage. In summary, I want to have the late payments removed from my credit report and should a change occur in my loan, I would appreciate, given my payment history, to be notified first before affecting my credit standing. Thank you. XXXX XXXX
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (GA)

Please be advised that my name is XXXX XXXX XXXX Im a natural person and consumer summiting this complaint as a victim of identity theft. According to the Gramm Leach Bailey Act lenders can not share my personal information with a third party and if they do they must give me XXXX XXXX XXXX an opt out form that allows me the option to opt out, of the contract. Which I was not given full discloser to protect the privacy and security of my non public personal information. Experian, XXXX, and XXXX are in direct violation of the Fair Credit Reporting Act, The Gramm Leach Bliley Act and pursuit to 15 U.S. Code 1681c-2 Block of information resulting from identity theft. I am making a very clear demand to remove all fraudulent account listed below on my consumer credit report, within the next 4 business days as stated by law. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Commonwealth Financial Systems, Inc. (OR)

On XX/XX/2020 an outstanding debt of {$60.00} was listed as a collection debt on my credit report. It lowered my credit score by 30 points. It was reported by Commonwealth Financial XXXX XXXX for : XXXXXXXX XXXX XXXXXXXX XXXX. I have contacted XXXX XXXX they have to knowledge of this debt and have attempted to call Commonwealth Financial with no success. I am disputing this debt and believe this fraudulent.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NM)

I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2023, XX/XX/2023, and XX/XX/2023. There was an error on their part. I was never 30 days late.
Consumer complaint received 2018-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANKUNITED, NATIONAL ASSOCIATION (WA)

My loan is being serviced by XXXX XXXX My original loan was approved with an appraisal on my home that was done on XX/XX/2018. As of XX/XX/2018 I had paid down my loan principal balance below the required 80 % LTV to remove PMI. 

On XX/XX/2018 I requested BankUnited in writing to remove the PMI and they said I can not remove the PMI unless I pay them {$600.00} dollars for a NEW appraisal when my original appraisal was only 101 days old. 

My complaint is that BankUnited is in violation of the " The Homeowners Protection Act of 1998 '' by refusing to remove PMI with a valid appraisal on file with the Servicer. Requiring me to purchase a new appraisal for {$600.00} dollars is an attempt by the Servicer to prevent me from removing the PMI that I am entitled to cancel. 

I am asking that the CFPB investigate XXXX XXXX and my loan account to compel them to follow the law and remove my PMI as requested without having to pay them to do another appraisal as my current one is still valid. My loan # ends in XXXX at my property located at XXXX XXXX XXXX  XXXX, XXXX, WA XXXX. 

Thank you, XXXX XXXX Phone # : XXXX Email : XXXX XXXX
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC. (TX)

I was contacted via phone by Frost Bank on XX/XX/2023. The agent stated she was calling me to let me know that someone opened XXXX online checking accounts using my information on XX/XX/2023. I verified that I had not opened those accounts and she responded that she would close them out and that I should file a report with FTC.GOV to report this issue. 
I have not lost any personal information to my knowledge such as a wallet or ID, credit or debit cards. 
Nothing suspicious has happened under my bank account or any of my credit cards that I am aware of.
Consumer complaint received 2018-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

On XX/XX/2018, I sent a letter to XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything.They have reported delinquent information the credit bureaus that I am asking to be deleted. Also, they are trying to collect debt that does not have my name attached to it.
Consumer complaint received 2018-08-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BMO Bank, N.A. (MO)

REFERENCE COMPLAINT XXXX AND COMPLAINT XXXX Additional questions : 1 ) letter dated XX/XX/XXXX states vehicle was placed for sale after repairs were done in XX/XX/XXXX ... ..invoices show repairs done in XXXX ... .which is correct. 

2 ) repairs show a windshield being replaced ... .when was windshield damaged as it was not in need of repair at the time the vehicle was surrendered. 

3 ) you did not have a POA to sign off of the title. How was title signed off? IF, you state that a POA was provided in the contract, please specify paragragh and line providing for that. 

4 ) On the XXXX form issued in the calendar year XXXX, you state that the value of the vehicle was approx. 92k yet in the same year you value the vehicle at XXXX. Please clarify how you can ... .in the same year ... provide 2 different values on the same vehicle. Please explain ... for IRS purposes the difference in these figures. 

5 ) was the XXXX issued actually filed with IRS, I have been told both yes it was and no it was for my information only. 

6 ) since the vehicle sold for more then the loan amount, why was an interest statement not issued to me for XXXX as the proceeds of the sale covered those charges.
Consumer complaint received 2023-04-20
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. (TX)

This is the several time I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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
Consumer complaint received 2017-08-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (DE)

I was approved by this company for a HAMP & mortgage assumption. I am XXXX years of age. This is what happened. I was faithfully making my payments on time and suddenly, my monthly payments started coming back to me. I was sent a letter and was told that my modification agreement was not properly notarized. I set out to get the proper notarization completed with the assistance of my housing counselor. All while this was going on, the continued to send back a total of three monthly payments, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and I did not send XX/XX/XXXX because I knew it would be sent back. All while this had happened I was going through health issues, I have XXXX XXXX XXXX XXXX XXXX and at the time I was XXXX XXXX XXXX. I am back on me fee but with the assistance of a XXXX. I went through mediation, and to make a long story short, the mediation was entered into a final which means, the lender took away my modification agreement and mortgage assumption. They said they wanted a lump sum payment, I had a certain amount to send them but I did not have the reinstatement amount they said I owed. I just want to say I feel this was not all of my fault because, when they said the medication agreement was wrong, they started sending back my payments and if only they had just kept the payments and placed them in reserve until I was able to get the correction done on my agreement. All would be fine and I would not be in this situation. I am XXXX years old, I have no where else to go, I have no family, I do n't have anything but my home. I am holding {$4000.00}. My counselor assisted me for a long time in finally getting the assumption approved and the loan modified and just when I thought I am going to be ok, this happened. This lender will tell you they made attempts to notify me and that may had been what happened but I was not in good health and still trying to regain my strenghth, I was in the hospital almost a month, it was a horrible time. All of the money they sent back they wanted back in a lump sum. And now my home is up for foreclosure, judgement has been entered and I do not know what else to do. I am scared.
Consumer complaint received 2023-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NY)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Cain & Weiner  Account XXXX XXXX XXXX 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 15 U.S.C 1681c. 9a0950 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 agency if the person knows or has reasonable cause to believe that the information inaccurate
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I've consistently made sure payments on this account are prompt, avoiding any instances of lateness. I find myself uncertain regarding the basis for late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-04-11
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 


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 an account without my written instructions.
Consumer complaint received 2023-08-29
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX Balance : {$350.00}.