davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (MA)

Southwest refit Systems engaged in predatory tactics, contacting third-parties, threatening, placing false credit collections on my credit. This company has violated nearly every consumer protection law. I should sue them, and I will, but Im beginning with the appropriate complaint.
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NC)

Equifax is reporting a bankruptcy on my credit report that 's has been discharged Equifax reported to me they verified the bankruptcy which they did not they used XXXX which also did not verify I have enclosed a letter from the courts They Do Not Verify Bankruptcy therefore Equifax violated the Fair Credit Act by providing false information I want this deleted from my credit report
Consumer complaint received 2024-05-25
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)

I am writing to formally dispute a closed account that appears on my credit report that I did not authorize. Upon reviewing my credit report, I noticed that there are closed accounts listed under [ 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 XXXXXXXX and I believe this information is inaccurate information because this is NOT my account. After thorough examination of my records, I contest the validity of this closed account. I have reason to believe that the account was fraudulently opened, and I request a comprehensive investigation into this matter. Compliance with reporting regulations : I ask for confirmation that all reporting regulations and guidelines were followed in validation of this fraudulent account.
Consumer complaint received 2022-09-06
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. (MA)

So i sent a letter off on XXXX XXXX. Here is my tracking numbers : XXXX : XXXX Experian : XXXX XXXX XXXX XXXX To remove personal information that I don't not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-07-14
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I looked at my credit report and I see a account that doesn't belong to me and stems from Identity theft. The date the card was opened was on XX/XX/2018 and the fraudulent amount that I am not responsible for is {$750.00}. The actions that I took already was filing a police report and a identity theft report.
Consumer complaint received 2023-05-22
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (PA)

I received a solicitation from Chase Bank. Under the terms of the solicitation, I would receive 1 ) {$300.00} for opening a checking account, 2 ) {$200.00} for opening a savings account and depositing {$15000.00}, and 3 ) {$400.00} if I completed # 1 and # 2. I completed all terms of the solicitation but Chase only sent me {$300.00}. I called Chase three times and have been unable to resolve this complaint. In addition, I filed a complaint with the Office of the Comptroller of the Currency and they told me to file a complaint with your agency.
Consumer complaint received 2020-02-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Circle Internet Financial ()

I've sent a wire transaction of XXXX $ on the XX/XX/2020, to Circle USDC. 

The transaction was rejected by Circle on the XX/XX/2020. 

Until this day I have not got the wire back. My bank account is trying to trace the funds without any success. 

I've opened 3 tickets with Circle requesting for the wire information to track the funds, the company has replied with huge delays and with no real answer other than " We will check it '', they are not providing any updates on what is going on.
Consumer complaint received 2023-04-15
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. (OH)

In accordance with the Fair Credit Reporting act Public Records Reported on 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 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Glacier Bancorp Inc. (ID)

We recently applied for a home loan through Mountain West Bank on our primary residence which we own free-and-clear. We are seeking a loan of $ XXXX, and the property is appraised at $ XXXX, making the loan a 60 % LTV first mortgage. The loan would pay off ALL existing debt, including all tax debt, credit cards and vehicle loans, as well as the underlying lien on an adjacent 40 acre parcel of land we own which is currently valued at $ XXXX. ( Two immediately adjacent 20 acre parcels have sold within the last month for approximately $ XXXX each, in spite of the current state of the economy. ) We meet all of Mountain West 's credit requirements and DTI requirements and had been approved by underwriting for the loan. However, somehow Mt West wasn't aware of a private note of $ XXXX we have on the adjacent 40 acre parcel. When Mountain West discovered that we own the 40 acre adjacent parcel and intended to pay off the balance of the private note with the loan proceeds, their credit committee immediately changed the terms of our loan to encumber the primary residence PLUS the $ XXXX adjacent 40 acres. ( The loan of $ XXXX was already going to be secured by our primary residence and was only 60 % LTV of that parcel alone. ) We believe Mountain West 's new requirement of demanding $ XXXX worth of real estate as security for a $ XXXX loan is most certainly Predatory Lending. We meet all their DTI, LTV, and credit requirements WITHOUT adding additional real estate assets to the loan, and using the proceeds to pay off the land loan did not change our financial outlook in any way. In fact, it improved it. However, Mountain West saw an opportunity to take advantage of our situation, knowing that we were depending on that loan to satisfy a balloon payment on the land that is due in 3 months. 

This is profoundly disturbing, especially at a time when our country is dealing with the Covid19 pandemic. In spite of everything that is currently happening in the economy, my employment has been guaranteed by my employer and our industry is considered essential, as we XXXX XXXX XXXX to XXXX  and numerous other essential businesses. There is no concern with regard to my ability to repay the debt and it is undeniable that the loan would only increase our credit-worthiness, leaving us 100 % debt-free aside from the 1st mortgage, PLUS providing 5 months worth of cash reserves. We are firmly convinced that Mt West 's new demand is unduly burdensome,100 % unnecessary and out-of-the-ordinary due to the fact that we meet all of Mountain West 's lending guidelines. 

We would greatly appreciate your assistance in reviewing this claim ASAP. Thank you.
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My Credit Report was Wrong and was fraud and ai Never Live In XXXX Florida and My Personal DL, SSI Card, Birth Cerficate Was Stolen I Did a Police Report At That Time Birthday They Use Was Wrong Also Someone Put A Credit Card XXXX Card For Credit Limit For XXXX That Was I Freeze all XXXX Credit Companies I Was A Victim also My Husbrand Too XXXX XXXX Same for Him Also Plus They Also Saiding I Never Paid Off My Credit Cards Consumer was me Me and My Husbrand Paid Off Cards and Closed Them. All This Negatives Stuff Cause Me Not To Get A Apartment and Information Is Not Updated Either And That XXXX Are Fraud They Were Sued Going To Court Saiding People Them Not Truth Investgate right way!!!!!
Consumer complaint received 2022-11-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

On XX/XX/22, I alerted the consumer reporting agencies that I am a victim of identity theft. 15 USC says that you must remove and block any information from the file of a consumer that the consumer says is a result of alleged identity theft within 4 business days. It has been well beyond 4 days and the accounts remain. Also XXXX XXXX and XXXX have charged the fraud accounts off and sold them to collection companies. It is illegal for a company to report a charge off. The IRS considers this income. This is tax fraud. This is also a violation of 15 USC 1681 e b by not reporting accurate information. USC 1681 section 694 a section 2 says that you can not furnish an account without my written consent. I have not given anyone written permission.
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : ( item/account/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2018 Balance : {$0.00}
Consumer complaint received 2023-01-16
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2014 Balance : {$0.00}
Consumer complaint received 2024-06-25
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: National Financial LLC (MD)

I can admit that I am have some very detrimental financial problems, but I never said I was not going to pay this creditor. The first time I tried to set up and arrangement, I was rudely disrespected and threatened. So, I just stopped responding. In XXXX my payment of XXXX was taken as I agreed. I have not paid since then because as I said I am having so horrible financial problems and haven't been able to pay. I plan to start paying again in XXXX or pay it off sometime XXXX, I am working on something to get them their money. I was sent another message today XX/XX/2024 stating that they are going to take legal action. Well I asked for an account statement, and a email that I could email them and that I did not want contact through text messages any longer, well after all the messages I receive no one has responded when I asked for it. I need those things even to pull any kind of debt consolidation loan anyway and no one will provide it to me. I don't understand why they cant provide it but it has not been provided and I have asked several times. I have also had them to contact my job, I did not give any permission to be contacted there or did I give them my work phone number.
Consumer complaint received 2023-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (SC)

I have been a service member for over 12 years in various departments of the XXXX. I submitted my PSLF application, while I was XXXX to the XXXX XXXX, under the limited waiver more than XXXX year ago. That form was never processed. I was told time and time again to wait it out- give them time- due to unprecedented high call volume. When I returned to the United States my wife was still waiting for her form to be processed too. She received notice in XXXX and was transferred from Nelnet to XXXX so I couldnt be far behind. However, a month after she was placed with XXXX I was placed with Nelnet instead. This to my family screamed a big red flag that my application was not processed. It was only the start of the nightmare I contacted FSA Great Lakes Nelnet and XXXX all by phone and email - after waiting hours on hold each time they all just keep pointing the finger at each other. Last month I was told to contact the XXXX department at XXXX who again had no clue how or where to recover my application. How do we fix this? Because the student loan companies surely arent!
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (CA)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

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 XXXXXXXX, 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 2023-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (GA)

On XXXX I purchased a starter motor from a very large, reputable, vendor for {$140.00}. 

The starter motor was returned back to the vendor on XXXX XXXX XXXX XXXX 

My dispute I.D . is XXXX For months the purchase had not shown up on receipts or invoicing leading me to believe it was a false charge/error. 

I paid my account up and closed my account with the outstanding balance of the {$140.00} due to their inability to rectify the situation. 

On XX/XX/XXXX a refund from a company was posted to the account for {$140.00} and they refuse to pay me that balance. 

They contine to charge late fees and intrest and I want this resolved.
Consumer complaint received 2022-11-27
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. (IL)

After reviewing my credit profile I notice unauthorized inquires on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-01-05
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)

I have quite a few inquiries I don't recognize. 

XXXX XXXX XX/XX/2022 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 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (OH)

2 payments have not been applied to my Barclay account as of XX/XX/23. 
1 : XX/XX/23 of XXXX 2 : XX/XX/23 of XXXX I have both canceled checks. The company decided to lower my available credit in XXXX to near what my balance was from XXXX to XXXX. I was never late and always paid more than the payment. When I called to ask they said that I had too much credit overall in personal loans despite my credit score of XXXX, even though the amount to balance ratios of my credit accounts were well under 22 %. They would not reconsider, so I had the payment amount from the XXXX payment that had not been applied yet deducted from what at that time I was informed of what my total balance due was and opted to pay off the remaining balance that day. I also received another statement showing an additional balance due which was the total of the payment reflected in the XXXX payment. I figured they would reconcile their accounts and issue a refund and didnt want to be bothered with speaking to or dealing with them again. Today I received a call stating that I was past due and the amount due was more than XXXX. Something is going on with this company, I had been a customer with them for 10 years and never had a late payment issue, but I do not want to be a victim of their negligence and end up with having to dispute erroneous credit bureau reporting. 

Dispute # XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2015-10-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (DC)

My mortgage account was forcibly placed under " lender placed insurance '' for insurance laps. I was only aware of it when in XX/XX/XXXX, I called to pay for my monthly mortgage at {$280.00}. I was then told that the new amount I need to pay was {$600.00}. I was shocked and in disbelief on how a mortgage company can increase one 's monthly payment ( threefold ) without any notice. I disputed the new amount which is almost the triple amount of the initial monthly payment. In addition, I contacted my insurance company and provided a policy on the property, yet Nationstar would not consider making the necessary adjustments for a lower payments. I believe this practice is predatory and Natrionstar has not been transparent, communicative willing to work with me.
Consumer complaint received 2024-05-01
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. (FL)

experian closed my complaint without furnishing the vendor who provided the late payment information. this is not on my credit report because i dont have any late payments. i want vendors name and phone number. XXXX XXXX is also included in this complaint because they list on there site that i am late on payments but will not tell me who they are. original complaint XXXX regards XXXX XXXXXXXX
Consumer complaint received 2022-11-27
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. (IL)

They have my credit rating that I'm using over XXXX per of my. Utilitization which is not true. I have XXXX credit cads and all together my total owed for all accounts is less than {$3.00} so they reporting that I am using very high. Utilization is wrong and is stop me from getting credit
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

I was a victim of identity theft I filed a report with the federal trade commission and let the credit bureaus and collection company know and attached the report to my dispute. all but XXXX has not removed the debit collection from my report. I filed over XXXX disputes attaching the FTC I didnt identity theft report and still its not been removed from XXXX