davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: C B Merchant Services (UT)

Back in XXXX, I signed up to receive solar panels for my home residence through XXXX XXXX XXXX. It became quickly apparent that they were not going to complete this install in a timely manner as they had initially promised and I inquired about cancellation. I was told at the time by employee, XXXX XXXX, that I would not be charged the cancellation fee of up to XXXX XXXX of the total project cost. After further inquiry, he and some of the other employees of XXXX XXXX showed me in writing that my cancellation fee was waived. After this point in XXXX, I did not hear about any supposed debts I owed to XXXX XXXX. It was not until this last Friday ( XX/XX/XXXX ) that I received an email from a 3rd party called Advantage Billing XXXX XXXX ( not a physical mail or phone call ) that my account was overdue and demanded immediate payment within XXXX days else I would receive unspecified legal actions against me. There was no indication of my rights in the email nor how I could dispute the charges. I emailed them back the same day ( XX/XX/XXXX ) and said that I had proof that the cancellation fee was waived. I received no response. I tried calling today at their listed number ( XX/XX/XXXX ) and nobody picked up. I was leaving for XXXX on the same day I received their initial email and knew that I would not be home in the 10 days they gave to resolve the issue.
Consumer complaint received 2017-05-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

My closing dates have been changed twice once on  XXXX   XXXX    XXXX   and  one  today costing me  XXXX  $ each time because of documents they did n't find they are dogging this possess to make money I think I 've been running all over to try to move it along faster to no avail.Please help me in at with end they had me close all my credit card acconuts approximately 40 days ago and stop all reaccuring payments so they could get pay off amounts! Now I 've been late with some payments because of this! Call me or email me  XXXX  XXXX  XXXX  or  XXXX   XXXX    XXXX    XXXX  thankyou
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc. (TX)

This trade creditor inaccurately reported on my credit report that a bankruptcy was filed.     The original date of the debt was   XXXX  . Nothing appeared on my credit report for over   XXXX   years. Until I went to apply for a home mortgage, they reported a balance of {$130.00} balance was charged off due to a bankruptcy.     There was no bankruptcy ever filed.
Consumer complaint received 2024-04-17
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: DISCOVER BANK (TX)

discover XXXX XXXX XXXX XXXX XXXX XXXX, ut XXXX {$420.00} closed XXXX XXXX2020 i disputed these from my credit report came back unresolved. 
both are listed on my XXXX  account and XXXX  account these accounts are fraudulent. they were verified as my accounts with no proof sent to me showing how they verified.
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (IL)

I write to you today regarding XXXX XXXX two reports of my past due payments to credit reporting agencies. 
I previously held a credit card associated with XXXX XXXX XXXX ending XXXX. During this time, I paid off my credit card debt in full every month. In XX/XX/, my account experienced fraud ; fraud which I promptly reported to the bank. Charges during the period were refunded pending investigation. In XX/XX/XXXX XXXX I paid the balance in full and closed the account. Months later, XXXX finished their fraud investigation and placed legitimate charges back onto the account, then closed the card again. I did not know that this occurred. Upon learning of the charges ( less than {$200.00} I believe ), I promptly paid the charges through a telephone customer service agent ( I was unable to access the account online due to the account being closed. My attempts to contact XXXX Customer Service failed on multiple occasions due to their lack of late-night phone customer service access-times during which I was awake as I work nights. )
Consumer complaint received 2023-08-09
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. (CA)

I have attempted several times to dispute addresses on my account that I have not lived at and are not addresses that are mine or that I receive mail to. They are fraudulent addresses. 

I spoke to Experian multiple times and they refuse to delete the inaccurate addresses. I just spoke to someone in special handling that stated his name was XXXX XXXX but I dont believe that was his name and I think he gave me a fraudulent name. I explain that these are not my address is that I have given them identifying information for myself including my drivers license and Social Security card and a letter disputing these addresses several times already and that I am being blocked from disputing them which Im including in my upload here. He told me that he does see that these are fraudulent addresses and he cant remove them. I explained that according to the FCRA that the addresses have to be deliverable to me via XXXX XXXX XXXX addresses are not deliverable to me and fraudulent. He kept giving me a bunch of filler conversation over and over and wouldnt transfer me to a supervisor or give me a direct answer on why these addresses are on my credit report inaccurately and that he even acknowledged them as fraudulent and told me he was unable to dispute fraudulent information. This is a violation of FCRA 623. This behavior is willful and malicious to report acknowledged fraudulent information on my credit report.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX  % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IN)

Equifax seems to have me on some sort of blacklist. 
I can not log in to Equifax.com or request a free annual credit report. Logging onto the site gives the error message " We can't complete your request at this time. Please call the Customer Care team and mention error code NH. '' It has been this way for months. 
When I purchased a 3-agency report from XXXX, it could not be completed because Equifax refused to provide information on me, claiming that Equifax has no record of my credit history or has different personal details for me on file. Since Equifax won't provide me with a report, I can not check or correct my personal details. 
On XX/XX/2023, I sent a written request to Equifax to correct the error and my personal details. I included a copy of the error message and copies of documents to prove my identity and current address. They ignored my request and did not respond.
Consumer complaint received 2021-01-19
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: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXXXX/XX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXXXX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XX/XX/XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XX/XX/XXXXon XX/XX/XXXX XXXX Reported Identity Theft ) 4. XX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XX/XX/XXXXon XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Dear CFPB, I am writing to address the unresolved disputes on my consumer report and request a prompt resolution in accordance with the Fair Credit Reporting Act ( FCRA ). By the way, I'm in my bedroom on my laptop, writing this out, which is causing unnecessary time and effort to this issue. 

Despite providing all necessary documentation and following the proper procedures, Experian has failed to conduct a thorough investigation, provide a timely response, and remove the disputed items from my credit report. They did not conduct any investigation and no updates as has been made I sent certified mail on XX/XX/2023. Experian acknowledged receiving documents on XX/XX/2023. I have the tracking number ( XXXX ) and a copy of their signature from USPS Experian accepting the items in question, as well as personal information and supporting documents. 

I urge Experian to take immediate action to rectify this matter to avoid any court intervention. 

The FCRA mandates that credit bureaus conduct a reasonable investigation and provide a written resolution within 30 days of receiving a dispute. 

However, it has been well beyond the required timeframe, and I have not received any substantial response or resolution from Experian. This failure to comply with the FCRA 's guidelines not only undermines the integrity of the dispute resolution process but also negatively impacts my financial well-being. 

Given the credit bureau 's noncompliance with the FCRA and the extended period of time that has passed, I assert that the disputed items should be promptly removed from my credit report along with updated personal information. 

The absence of a timely response and resolution demonstrates a failure on the part of Experian to fulfill its obligations and protect my rights as a consumer. 

Thank you CFPB
Consumer complaint received 2019-11-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (AZ)

Beginning last XX/XX/XXXX, I began the process of looking into either a standard refinance or a partial cash out refinance with Navy Federal Credit Union. 

I used their portal, and after receiving the estimates of what payments and APR would be authorized and paid for a credit report.

That began a nightmare odyssey for me and my wife. They have now had our credit reports done 4 separate times by them, the MLS agent responsible for us dissappeared for weeks or months with no returned phone calls. 

I had authorized them to have access to my accounts for verification purposes, but after over a month of no contact I wrote them and revoked in writing that access. Yet every day I am notified of them accessing my accounts including my government pension account from when I was a prosecutor. 

About a month ago I received a call from them, ( new agent ) saying that they had messed up one our social security numbers and needed to run credit again. I asked for what, he told he it was for a product that we were not even applying for. 

They have damaged my credit, they have and are continuing to, in violation of state law, invading my privacy by accessing my accounts. Then today I received a note from them that we were being denied credit from them for not providing information, yet we WERE NOT applying for a product and had told them multiple times to shut it down. 

There was a brief moment, after 7 documented un returned phone calls, 3 electronic reach outs, where we were able to connect with XXXX XXXX, NMLS # XXXX. She was supposed to righting the ship. However it nearly 7 weeks later when another agent called to offer us another product. XXXX then failed to return multiple phone calls. 

So to receive this letter and to continually see my accounts being accessed, feels very wrong and I am asking for help. 

Navy Federal 's response to me has been they are inidated with a large amount of applicants. That's not an excuse. 

Please help. 

Thank you-
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CashRepublic Holdings, Inc. (AE)

In 2018, when I was about to be XXXX, I contacted OMNI to request a deferment for my original loan. I was concerned about my ability to access the internet to pay my bills during this time. They sent me the necessary paperwork, which I promptly completed and returned. I was then informed that my loan would be placed in a deferment status as soon as they received the paperwork. 

However, when I returned, I was informed that my loan was never placed in deferment, and now I owe almost {$6000.00}, including interest and other fees instead of the original {$1200.00}. This has caused a lot of financial turmoil for me, and I am seeking your assistance in resolving this matter as soon as possible.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (CA)

The original lender ACIMA DIGITAL FKA SIMP is reporting the account past due as XX/XX/XXXX which is inaccurate. The account was late and charged off in XX/XX/XXXX. This is not accurate and predatory to keep the item on my credit longer that the statutory 7year 6 month period for negative debt. This does the greatest amount to my credit report and credit rating.
Consumer complaint received 2023-10-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company (CA)

To date Freedom has failed to favorably address my request for forbearance on my loan on XX/XX/XXXX. Foreclosure proceedings have begun, and the documents recorded in the Notice of Default state that Freedom has not denied forbearance since XX/XX/XXXX which is false. Freedom has denied my request for a formal forbearance since XX/XX/XXXX. In addition, Freedom continues to put in writing that the offer made for loss mitigation is based on an incomplete application which is also false as noted in the communications attached below. I immediately submitted ALL requested documentation in XX/XX/XXXX. While Freedom continues to present as making efforts to assist by making an offer that clearly does not address my continued requests for forbearance, my hardship remains. I provided a complete application back in XX/XX/XXXX. Please see communication attached below.
Consumer complaint received 2023-10-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc. (PA)

I had recieved XXXX dollars from another bussiness to my skrill account which is fully verified and has no limits. i tried sending that money immediately my account was restricted they asked for me to provide id which i did and was verified succesfully. they then ask me 3 questions about what i use their service for etc. mind you i have used their service but maybe 2 times i answer these questions and its been about 24 hours and they wont respond my money just sits there
Consumer complaint received 2017-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Sent letter to credit reporting agencies telling them the inquiries on my report are unjustified : the actions fail to comply with FCRA Section   604.
The letters are attached below.
Credit Agencies replied stating they did not need to investigate, verify, or remove inquiries.
Credit Agencies failed to prove 3 requirements and fa  iled to remove inquiries from my credit reports
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (KY)

Long term customer of Chase Bank, private client services, have multiple businesses accounts with Chase as well. Out of the blue my personal checking and savings account, even my wifes checking that Im on too all closed ( restricted ) with no explanation why. My business accounts remain intact ( for now ).
Consumer complaint received 2024-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC (CT)

I use Specialized Loan Servicing for my mortgage. 

I have asked repeatedly since XXXX how to switch to a weekly draft, and they have failed to provide details. I made an extra payment in XXXX, per the customer service instructions, to be eligible. This did not work. When I called back, they told me the previous customer service rep was wrong. 

I am now told that in order to switch to a weekly draw, I need to prepay XXXX additional mortgage payments ( through XXXX ). This is after I made an additional full contractual payment. 

The last time I spoke to customer service, I expressed a desire for a guarantee that if I made an extra payment, I could switch. The rep did not provide that guarantee, she said I could try it. When I said I needed a guarantee, she stated that if I needed a guarantee maybe I couldnt switch. 

Additionally, I made an extra payment on XX/XX/XXXX and XX/XX/XXXX. I dont know if those payments were applied, since my due date of XXXX remains the same.
Consumer complaint received 2022-11-28
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. (FL)

In accordance with the fair credit reporting act XXXX  accounts listed below has violated my civil rights : XXXX ) XXXX Card Date opened : XX/XX/XXXX XXXX ) XXXX XXXX  XXXX Date opened XX/XX/XXXX XXXX ) XXXX XXXX Date Opened : XX/XX/XXXX XXXX ) XXXX XXXX Date Opened : XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681section 602 A. States that I have the right to privacy. 

15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2015-11-24
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (PA)

In XXXX, XXXX, I took out a GE Bank Care Credit card, in the early morning in XXXX, PA because I could not afford a veterinarian bill to save my dog after being hit by a car. I filled out a form, and the rest was done over the phone. I never received a card, and believe I have paid this account in full. I feel like there is a lot of interest, when I was led to believe there would be no interest because it was a medical card. They said I could use it for my own medical reasons as well, and that is why there is no interest. 
Today, XXXX XXXX XXXX, I spoke with XXXX ( would not give me last name ) who is a recovery specialist, and was very rude, while I tried to get a record of my payments, and account balance. He told me that since the credit was sold to XXXX XXXX XXXX XXXX, that I had to write a letter to Synchrony bank ( who bought the Care Credit card from GE Money bank ), and they would review it, and determine if they should send me the information I have requested. I tried to get transferred to a legal department, or someone else who could help me, but he refused. He then said he would transfer me, but he did n't " have any control over where the phone call get sent. '' I was then transferred to a line that sounded like a fax machine. This person spoke with a heavy foreign accent which also made it hard to understand him. I felt like I had to repeat myself multiple times for him to understand me as well. 
I remember making a payment and being told I did n't owe any more money in XXXX, and I think it was a {$300.00} payment. 
The debt has again been given to another company by the name of XXXX, and now they are calling me. I was an XXXX member of the XXXX XXXX at the time, and have since been XXXX. I am just trying to make sure I am not getting taken advantage of, as I feel like I already have with the care credit card.
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (FL)

The companies below made inquiries on my credit without my consent. 


XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX/XXXX  Inquiry date XX/XX/XXXX XXXX/XXXX  Inquiry date XX/XX/XXXX XXXX/XXXX  Inquiry date XX/XX/XXXXXXXX XXXX