davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NH)

I pay a monthly service with XXXX owned/controlled by experian, for {$19.00} a month. Every 90 days I get transunion and XXXX  Report as well. I just received XXXX  and XXXX  a week or two ago From experian and I did not see any errors or problems with either account. TodayXX/XX/XXXX I went to do a dispute online because of a personal loan on XXXX, only to find on my credit report with XXXX, multiple misspellings of my name and phone numbers that are not mine. Im paying for a service only for experian to provide me a fraudulent and inaccurate report from XX/XX/XXXX. There shouldnt be different information on different reports from the same consumer reporting agency. Especially where Im paying for a service and experian is lying/hiding information from me. I just had a company pull a credit check on me for a loan from XXXX XXXX over a month ago and clearly there was fraud and lies in my account with XX/XX/XXXX. I can only imagine my report was masked by experian to harm me. If they are pulling from XXXX   and XX/XX/XXXXit should be the same exact report and information if I logged into Each agency separately.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WI)

For no explicated reason, my fund transfer was denied. I was also not notified that this happened, and so I missed the deadline to be able to receive the {$200.00} bonus for opening the savings account as well as the {$400.00} for opening the savings and the checking accounts together. I was then told that the transfer denial was on the other bank 's end. I cancelled my account because of this ; however, that was not accurate information. I was then told that I could have had the deadline extended for making the transfer of funds, but I couldn't because I had closed the account - which I would not have done if i had been given accurate information in the first place. I was then given a big runaround, lied to a few more times and basically told XXXX  XXXX off by a local banker. Chase is the XXXX and I have zero hope that this complaint will solve anything.
Consumer complaint received 2023-12-20
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. (MD)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. ( 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 2024-04-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC (TX)

I was approved for an FHA loan by Rocket mortgage. They verified my income and credit score they said everything was ready to go for me to start making offers on properties. Once I made an offer for a property and I went under contact, Rocket mortgage told me they made a mistake and could only approve me for a conventional loan with XXXX down. Since I was already under contract I lost my option fee of {$150.00}, had a known they did not do their job thoroughly I would never made an offer lost my {$150.00}.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-09
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)

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 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The company has reported erroneously to the credit bureaus that I was late back in XXXX of 2022. I have provided proof to the company of my on time payments and they refuse to remove the entry. Please have this issue rectified as it is the only late payment entry in my credit report with this company.
Consumer complaint received 2023-11-17
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. (FL)

I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts.

Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-08-05
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX To Whom it may Concern, Two accounts are reporting information that isnt 100 % accurate but have been marked as verified. Please remove these accounts based on inaccurate information 15 U.S. Code 1681i Sec 5. 

Account Number Company Name XXXX XXXX XXXX XXXX Thank You, XXXX XXXX XXXX
Consumer complaint received 2023-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

Since XX/XX/XXXX, the mortgage department of HSBC Bank ( HSBC Bank USA, N.A. ) has not responded to my request of 2 refund payments as below : 1 ) A {$990.00} refund check which I have never cashed out and is already overdue. I request them to send me a new check. 
2 ) A wrong escrow charge of {$470.00} ( {$1200.00} vs {$800.00} ) for my mortgage loan on XX/XX/XXXX, because the insurance company did not send the insurance information in time. This escrow charge should not happen because this account is not an escrow account. I request them to send me a refund check. 

I have talked with HSBC Mortgage customer service people several times since XX/XX/XXXX. Every time I had phone calls with them, they told me it requires 60 business days to process. Here are the histories of my phone conversations with the customer service people : ( a ) XX/XX/XXXX : A customer service person told me it requires 60 business days to process. 
( b ) XX/XX/XXXX : The same customer service person as in ( a ) told me to call back in 2 business days for status. 
( c ) XX/XX/XXXX : Another customer service person told me it requires 30 to 60 business days to process. 
( d ) XX/XX/XXXX : Another customer service person told me it requires 30 to 60 business days to process. 
Then, on XX/XX/XXXX, I sent an email to HSBC Mortgage customer service about the request with the histories, but still have not received any response from them as of today ( XX/XX/XXXX ). 

It looks like that HSBC Mortgage is pushing back my payment request indefinitely, with an excuse of 60 business days to process, whenever I talked to them.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CT)

On XX/XX/23 I received and Credit Inquiry from XXXX XXXX. A lender had reviewed my credit and an alert showed it to be for someone trying to open a credit card at Wells Fargo in my name. No amount has been taken as of yet, but it seems a card has been opened or at least attempted to be opened in my name.
Consumer complaint received 2023-12-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. ()

My complaint is about the handling of funds in an estate account for which I am the beneficial owner. My initial contact was on XX/XX/, and to date, Chase has been unable or unwilling to distribute these funds to an active account in my name. 

On XX/XX/, I provided the information Chase requested : my ID, proof of my change of name through marriage, and a notarized form indicating how I wanted to receive the funds in the estate account. On XX/XX/XXXX, XXXX XXXX, the banker I had been corresponding with, informed me that they could not do a bank transfer and asked me to provide a new notarized form, which I provided on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX informed me that she thought I should have gotten a check already, and that she would get back to me. All of my correspondence with XXXX XXXX is attached. 

I never got another response from her or from the manager at her branch. I contacted Chase customer support on XX/XX/XXXX and was informed on XX/XX/XXXX that the XXXX XXXX team had my request and would reach out to me. I contacted them on XX/XX/XXXX and XX/XX/XXXX for an update and never got a response.
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: REGIONS FINANCIAL CORPORATION (CT)

I am a new employee of a non-profit and was issued a card through Comdata for my initial paycheck, as the direct deposit process had not been completed by my employer by the end of my first pay period. On Friday, XX/XX/2018, I attempted to withdraw the sum of {$500.00} from the ATM at XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, CT using the Comdata card provided to me. Though the ATM printed a receipt for {$500.00}, the funds were never dispensed, and the ATM displayed an error on the screen. Upon speaking to the manager at the XXXX XXXX   branch, I was advised that I needed to contact Comdata to work it out with them. I immediately contacted Comdata and was connected to a customer service representative. I was advised that a complaint would need to be opened and that I would be hearing from someone within a few days. On XX/XX/2018, after not hearing from anyone, I called Comdata again to check on the status of my complaint. I was told that nothing would be resolved for 21 business days, as an investigation needed to be launched. I waited 21 business days and on XX/XX/2018, I contacted Comdata again. I was provided a case number ( # XXXX ) and was told that I had to write to them to get any additional information, which I did. Though I can appreciate that investigations take time, these are payroll funds that are necessary to pay household expenses. I have been more than patient, but I still have no resolution to this matter. I need some assistance to get my payroll funds back to me immediately. Comdata is located at XXXX XXXX XXXX, XXXX, TN XXXX, XXXX.
Consumer complaint received 2023-12-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: CrossCountry Mortgage LLC (LA)

During closing process mortgage company mishandled amount needed to pay insurance company. Insurance requested more payment which my loan was sold to another lender. I handed over my loan number because I thought they were just needing current loan company. Which this in turn pushed my escrow in to negative balance. This also messed up future escrow because monthly escrow was not enough to cover the following years insurance. I then got a notice of shortage of about {$3700.00} which XXXX of that was due to the mess up on the original closing. This in turn caused my mortgage to jump $ XXXX
Consumer complaint received 2023-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC (MO)

I have a demand letter from the lender that was requesting {$5300.00} and had an assistance agency who helped me by overnighting payment on Thursday XX/XX/XXXX. Payment was signed for by office administrator last name XXXX at XXXX on XX/XX/XXXX yet still hasnt been applied to my account nor can anyone tell me where the payment is.
Consumer complaint received 2015-10-16
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AL)

Last week I began receiving collections calls from Nationstar Mortgage concerning this month 's payment which was due on the XXXX the month, but was now the XXXX the month ( a week and half after the XXXX ). After that first call I went to their secure website, logged in and sent them an email advising them not to either call my work or cell phone in accordance with the Fair Debt Collections and Practices Act of 1974. The next day and each proceeding day after that I kept receiving collection calls from Nationstar Mortgage. I went back to retrieve that email that I had sent them and it had been deleted by Nationstar. 
The second time Nationstar called I advised them that my wife and I were advised by our Real Estate Agent not to make this month 's payment in that this may cause some difficulty somewhere in the selling process. I also advised them that I would provide Nationstar with documents showing that our house is being sold. Nationstar still kept calling and sending emails. They refused to either work with me or believe my story. 
In short, Nationstar violated the Fair Debt Collections and Practices Act of 1974 and based on that I am filing a complaint.
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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. XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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 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 vears.

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. I demand these fraudulent items off to be removed from my credit report!
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (MO)

On or about XXXX  XX/XX/XXXX, I contacted debt collector LVNV regarding XXXX accounts XXXX XXXX  and XXXX  XXXX both charge off accounts that and LVNV purchased these accounts in XXXX however pursuant to the FCRA they are reporting opened in XXXX when they were actually opened XX/XX/XXXX and therefore XXXX FCRA rule should apply and these XXXX accounts should fall off or be deleted this year in XX/XX/XXXX however LVNV is not the original creditor and bought tje debt as bad and therefore shouldn't be reporting to creditors.
Consumer complaint received 2024-04-06
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. (NJ)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
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: Experian Information Solutions Inc. (GA)

There is information that's on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to blocking made on the basis of a material misrepresentation of factory me relevant to the request to block the identified transaction. The identified transactions are not information related to any transactions by me as consumer. 


SEE ATTACHMENT
Consumer complaint received 2023-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. 

XXXX XXXX co l # 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. ( 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 2018-05-21
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. (LA)

Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hindering me from gaining employment, and getting financed for housing. PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. Trans Union is reporting negative information from XXXX, and XXXX XXXX XXXX ( Car Account ) which is incorrect. I'm not liable for these debts. They're illegally attempting to collect money from me. This information is negatively effecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelihood. The information they are reporting is not identically shown on my reports from XXXX, and XXXX.