davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

There is this sprint bill on my credit report that I had removed from my credit report cause its not mine I never had XXXX and it was removed for a long time then it popped up again and I told Experian that it was not my debt
Consumer complaint received 2024-03-08
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: Experian Information Solutions Inc. (WA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-03-08
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. (GA)

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.

and list of Inquiries.

15 U.S.C 1681 section XXXX 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 ) ( XXXX ) 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 ) ( XXXX ) 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 2023-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (TX)

On XX/XX/23, our mortgage loan was transferred to this company. Since then, we have not been able to make contact with a representative about making sure we receive our monthly statement. Unable to get past their automated system. This is a simple process to complete. We have not requested paperless billing. I have reached via their website to their president with no success. I have filed a complaint with the Texas Dept of Savings and Loan as well as North Carolina Dept of Savings and Loan. If the interest rates were not so high, I would refinance with a local bank so that my loan servicing would not get sold. I have to set a reminder on my phone each month to pay. Even if I had chosen to go paperless, we have not received any communications whatsoever from this servicer. I just want a hard copy monthly statement of my mortgage account.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2024-03-08
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: Experian Information Solutions Inc. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-11-08
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MD)

Hello, on XXXX XXXX I submitted a complaint about the credit reporting agencies concerning XXXX bankruptcies on my report. 
These are the complaints that I sent, XXXX XXXX XXXX XXXX XXXX I never complained about the accuracy of those bankruptcies. My complaint was that they should be removed. The law clearly states that I have the right to privacy per 15 U.S.C 1681. Also the courts do not provide bankruptcy information to the credit reporting agencies. I submitted my documents including the letter from the court stating that they do not provide said information. Those items should be removed given that's the law.
Consumer complaint received 2022-11-08
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

In response to the COVID-19 pandemic and home retention issues affecting veterans with VA guaranteed loans, during XX/XX/XXXX the VA released Circular XXXX VA Home Retention Waterfall/ COVID-19 Home Mortgage Relief Program. The Circular clearly instructs mortgage servicers on processes to evaluate each borrower based on their loan status and eligibility to provide options that will assist the veteran in retaining their home through loan modifications and other forms of financial assistance. For over a year I have been requesting that Carrington consider my loan for each of the programs detailed in the Circular in order to offer me an unbiased and reasonable home retention plan/loan modification offer. To date, Carrington has refused to acknowledge my requests to be considered for programs under this Circular that go as far back as a XX/XX/XXXX. Further, in their XX/XX/XXXX letter regarding the review of my mortgage assistance application Carringtons underwriters neglected to apply the directives in this Circular when evaluating my mortgage assistance application. Carringtons acts have affected my ability ti refinance my home to lower monthly mortgage payments as mortgage interests have doubled since XX/XX/XXXX. XX/XX/XXXX interest rates were 3.5 % and now mortgage interest rates are over 7 %. It is imperative that Carrington allow me to to advantage of this program immediately as the program/Circular expires early XXXX specific waterfall Covid relief program expires early XXXX. Carringtons refusal to acknowledge that this program exists and to review its offerings to determine my eligibility is obstructing my access to federally funded programs that my husband is entitled to as a veteran.
Consumer complaint received 2022-05-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (PA)

Citi advertised a {$1500.00} bonus for opening an account, so I filled out the information to open an account online. I already have a credit card with Citi. 

I got an email on XX/XX/2022 with an application ID # XXXX but have not heard back. I responded to the email on XX/XX/XXXX " It's been a few weeks and I haven't heard back. What's going on? '' but have not received a response. 

I believe Citi is committing fraud, by advertising a large bonus for opening an account, then not opening the account.
Consumer complaint received 2024-03-08
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. (AL)

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 : USDOEXXXX Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX and list of Inquiries. 


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 2023-06-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (TX)

From XXXX to XXXX I went to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX for XXXX XXXX  on my hand. I never reciev a bill even though I requested an itemized bill several times. They failed to properly file with my insurance company. XXXX XXXX i recieved a collection ntice for {$2000.00}. I called the hospital and was told it is now too late to file correctly on the insurance. Once again I requested an itemized bill - they emailed me an " itemized bill '' which is incomplete list of all visits I made and payments I have made at time of services. I have been out of work since XX/XX/2023 and currently have no income.
Consumer complaint received 2024-06-11
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. (NJ)

I've discovered unauthorized or misleading items XXXX XXXX XXXX Balance - U.S. Bankruptcy Court Bankruptcy : XXXX XXXX Reference number : XXXXXXXX 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 2024-06-11
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. (CA)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. 
The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Why is there a balance being reported??? 


Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2016-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

I just got off the phone after being put on hold for over an hour with Nationstar Mortgage. My simple question is what is my current amount due with my next payment scheduled on XXXX/XXXX/XXXX. No one could tell me this information as they stated my escrow amounts have changed twice between XXXX XXXX and XXXX XXXX. Now I 'm in a situation where I do n't know what amounts are due for my next payment. This lack of clarity of their own process has created an extremely poor customer experience on my end and leaves me with zero confidence that the terms and calculations of my account are being clearly and simply communicated. It also brings into queston my assumption of several gaps in their processes as well.
Consumer complaint received 2024-03-08
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: Experian Information Solutions Inc. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-03-08
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. (GA)

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 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 and list of Inquiries. 


15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX 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 ) ( XXXX ) 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 ) ( XXXX ) 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 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AZ)

Since XX/XX/2023, I haven't been able to access an updated copy of my Experian credit file and/or credit score. When I attempt to access my file I continually get an error message saying I don't have a credit file. I subscribe to Experian 's monitoring service ( {$25.00} monthly ) and my credit card continues to get billed each month despite my not being able to access my file. I am due a refund of four months worth of monthly fees. I've submitted three different assistance requests to their online support and they don't respond or address the problem.
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (MA)

This is a newly developed situation that is a continuation of complaint : XXXX In XX/XX/XXXX I had issues with the company where I decided to close my account with Indigo ( XXXX XXXX ) credit card. The company had been informed of fraud on my account which successfully was reimbursed for. I closed the account in XX/XX/XXXX due to various reasons, one being the card company kept allowing fraudulent charges even after informing them the charges were not authorized. 

Now, beginning of XX/XX/XXXX I received a notice from Indigo that there were charges posted to my account which was supposed to be closed and no longer available to be used. I have informed the company this again is fraudulent and the card is to be 100 % closed an no longer able to be used. 

The company will process this against my credit report as being late which I am attempting to fight before it happens now.
Consumer complaint received 2024-03-08
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. (WI)

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 Number : XXXX and list of Inquiries. 


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 2022-11-08
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

CAPITAL ONE Account Number XXXX Date OpenedXXXX StatusAccount charged off. {$410.00} written off. {$410.00} past due as of XX/XX/2022. 


in accordance with the Fair Credit Reporting act Capitol one acct. # 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 2022-11-08
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. (MD)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-06-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C. (WI)

On XX/XX/2023 a credit card company had filed a small claims suet against me. This debt is being payed through a legal action in Wisconsin called XXXX XXXX. I discovered the suet on XX/XX/2023 and I immediately had the XXXX XXXX trustee contact opposing counsel to stop these proceedings.
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TN)

Navy federal credit union is letting my money disappear, I filed a fraud claims and they say denied when i have had a breach .Someone is cloned my card .its letting transactions go thru at the same places, i deposit money and its gone and declines my transactios, duplicate atm transactions
Consumer complaint received 2022-11-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (TX)

Credit Collection Services is in violation of the GLBA. They have been notified of the non-compliance and they continue to willfully invade my privacy by disclosing my private- non public financial information.
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America has failed to release funds in a checking account held in trust. They are essentially stealing from my mother 's estate. 
XX/XX/XXXX BofA was notified of my mother 's death XX/XX/XXXX went to BofA financial center with death certificate, trust, certification of trust. Documents scanned and sent to Estate Services ( ES ) and confirmed by banker via phone. No additional documents required XX/XX/XXXX Called ES at XXXX and spoke with XXXX. They needed one last document. He said he would send link. 
XX/XX/XXXX Went to BofA financial center as link never came. Banker spoke with XXXX at ES. She stated that the only item missing was a new EIN and funds could be released in 6 days. 
XX/XX/XXXX Applied and received new EIN. 
XX/XX/XXXX Submitted new EIN letter from IRS to BofA financial center. Banker spoke with ES and they suggested that I fill out a signature card and submit, which was completed. 
XX/XX/XXXX called ES and spoke with XXXX. She said paperwork was incomplete on the signature card. The form that the banker had access to on XX/XX/XXXX was not the form they wanted. Went to financial center. Banker printed off the forms that were attached to the letter from ES dated XX/XX/XXXX. Filled out forms in front of banker and he faxed to ES at XXXX XXXX. 
XX/XX/XXXX called ES and spoke with XXXX. Filed complaint XXXX XX/XX/XXXX called ES and spoke with XXXX. One page missing from the fax. Per XXXX, I could fax that page with a cover letter to XXXX. 
XX/XX/XXXX faxed one-page document with cover letter to above fax number XX/XX/XXXX Called ES and spoke with XXXX. She said info from XXXX was incorrect as a single page was not sufficient and all the documents requested from XX/XX/XXXX needed to be resubmitted. She opened up complaint for the erroneous information provided on XXXX While on the phone with XXXX, she sent a link to the document center. I scanned and uploaded the documents and she confirmed receipt. 
XXXX Called ES and spoke with XXXX. All documents were in and under review. Monies should be available in four business days. 
XXXX called ES. Documents not approved as there was an issue between how my mom named me on the first page of the trust ( using my nickname ) and on the signature card, even though in the remainder of the trust and in all other documents, my birth name is used. Opened compaint XXXX, Per BofA it will be another 10 days before I have access to these funds.