davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1.Account Name : XXXX XXXX XXXX Account XXXX : XXXX 15 U.S.0 1681 section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation
Consumer complaint received 2016-07-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MA)

Nationstar Mortgage LLC. ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) received the mortgage payment in full on XXXX XXXX. XXXX. As of XXXX XXXX, XXXX, the Reconveyance Department of Nationstar Mortgage have not released the lien nor provide an clear, rational explanation for the lengthy delay.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is refusing to give me the credit back for purchase that I did not make, someone charged to my credit card {$6300.00} twice in XXXX on XX/XX/2023
Consumer complaint received 2024-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 2023-05-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (VA)

I am receiving 10 to 15 calls a day from Conns XXXX XXXX calling from XXXX ( XXXX ) XXXX They call every single hour while I am trying to work. Even if it goes to voicemail they call again and again. Phone calls are documented and conversations are recorded. 

Customer service representatives refuse to answer questions about their limitations regarding the number of calls their agents or the automated system is allowed to place. They claim and threaten to call as many times in a day/week as they want until you answer and tell them when you will pay. 

According to the FDCPA, a debt collector can not call a debtor more than once per day for each debt. This means that if you only have one outstanding debt, then your debt collector is only allowed to call you one time per day.
Consumer complaint received 2024-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TN)

Nationstar mortgage incessantly calls me, before I 'm late on a payment. I have a grace period of 17 days, but they start calling and emailing on XX/XX/XXXX. I sometimes get calls 10-12 times a day. I always pay my mortgage and am not behind. This has to stop. It 's affecting my job.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family. please removed the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following accounts are fraudulent. They were opened/used without my permission. I talked to the banks and they requested I file a report with the FTC and list what happened. I have no knowledge of the events. 

These accounts are reporting to my credit and I do not recognize them. Beyond these facts I do not have any other information. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (FL)

Please remove Cavalry Portfolio Services for {$1500.00} from my credit report and cease all legal action. Cavalry Portfolio Services has failed to correctly validate my debt after requesting a validation letter and wrongfully submitted a lawsuit for debt that they can not confirm that I owe. The letter was received by Cavalry Portfolio Services on XX/XX/2023. I have attached proof of delivery. On XX/XX/2023, I received a response after requesting validation of this debt, but the creditor has failed to provide any itemization or amount of debt owedI had to find the amount owed myself by looking at my credit report. I have attached a copy of the letter that was received. The letter does not contain any itemization of the balance that is supposedly owed. It has been more than 30 business days since the validation request letter has been delivered and I still have not received any type of itemization or anything at all to explain how the charges on the debt were accrued or the amount owed. According to Regulation XXXX as noted by the Consumer Financial Protection Bureau, a debt collector is required to send an itemized list and amount owed if requested to validate a debt, reflecting any interest, fees, payments, and credits since the itemization date. Cavalry Portfolio Services has violated this regulation by not itemizing any of the charges of this debt or stating the amount owed, therefore it needs to be removed from my credit report and all legal action must be ceased.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-01
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. (NY)

car dealership only post to run my credit once. 

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 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
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. (NJ)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights 15 U.S.C. 1681 Section 602A 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 with my written instructions. 
15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may maken any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 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 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NV)

In XXXX of XXXX I purchased a new construction home at XXXX XXXX XXXX XXXX  in XXXX CA. in XXXX of XXXX. The builder was XXXX XXXX and I went through the builder to save money on the closing costs and use his mortgage company which was Wells Fargo Home Mortgage. Went through the closing process without any issues, put down the XXXX XXXX down payment but Wells Fargo issued me an ARM which I did not want but, I wanted the XXXX fixed mortgage, but Wells said I would not be approved for a XXXX conventional loan. I checked other lenders and all they wanted to give me were interest only loans with extremely low payments. So, I signed the ARM mortgage with Wells Fargo figuring I could refinance in a couple of years with a XXXX conventional loan. I moved into the house on XX/XX/XXXX and my interest rate was around XXXX XXXX and remained low until XXXX of XXXX when my rate increased to XXXX XXXX. Wells Fargo had called me in XXXX and XXXX saying my interest rate was going to sky rocket and I need to convert to a XXXX conventional loan before XX/XX/XXXX, So I applied to change my loan with Wells Fargo to a XXXX fixed loan and they did not approve me for the loan. I complained to Wells Fargo but they did not change their minds and I ended up switching my loan to XXXX XXXX XXXX.
Consumer complaint received 2022-12-20
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. (FL)

I have attached an FTC report with 4 accounts that are fraudulent and I need to have them deleted ASAP they are not mine.
Consumer complaint received 2022-11-26
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. (MS)

I have contact this company serval times with either no responds or lack of this is affecting my ability to do business with other company 's. Can you please contact this company and have them to remove this incorrect information as soon as possible.
Consumer complaint received 2017-03-23
Product: Consumer Loan — Pawn loan
Issue: Applied for loan/did not receive money — 
Company: WELLS FARGO & COMPANY (PA)

Several years ago I got a line of credit loan with Wachovia.They have since bin bought out by Wells Fargo.Years ago I applied to increase the amount.I was denied because my home does not rest on a permanent foundation.I did n't argue due to the change of regulations with the stock market crash.I have recently acquired about changing the amount again.I was told they could not prevent me from filling out the application but the result would be the same.I find it aggravating that I spent my life paying bills and maintaining a good credit score ; only to be judged by my house not being on a permanent foundation.I told them I felt I was being discriminated against.They replied it was about equity.My house has bin paid off for several years and is worth more than I am asking for.I believe this is a one size fits all policy and is not fair to the individual.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (VT)

Toyota Financial Services DENIED my request to change my payment due date to the XXXX of the month for more than a year ago. Thus, access my bank account 2 times per month on the XXXX of each month and then REPORTING to the credit bureaus INCORRECT INFORMATION about my payments. I should be compensated for this inconvenience because the INCORRECT INFORMATION has affected my credit score as well. 
I also would like to QUESTION the APR because I was given an APR of 16 %. While my white counterpart who 1 a man and the second a woman with the same credit score got a LOWER APR.

I will like to get REASON ( S ) why my APR was so high when I have a SSD check yearly statement as proof of my INCOME, lived at the same RENTAL since 2014, paid all my utilities gas, water, heat, cable and electric bills as well. One the the white person who received a LOWER APR WAS HOMELESS AND THE OTHER HAD A CREDIT SCORE OF 5.0 I believe that I received a HIGHER CREDIT SCORE as per a NORM for black and Hispanic people who are doing business with Toyota Financial Services.
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WA)

From XXXX - XXXX we were applying XXXX per month ( sometimes more ) to our Wells Fargo mortgage so that we could pay it off early and avoid the large interest. We set up " automatic bill pay '' online XXXX XXXX- I went into a BRANCH ( XXXX XXXX in XXXX, WA ) to set this process up and had a clerk walk me through it at their desk, using their computer. They showed me the exact steps to take and I did so every month for each paycheck- for over FIVE YEARS. It wasn't until the very end when they sent me a long settlement statement as we were trying to close out the loan that I realized that Wells Fargo had NOT been applying that full XXXX per month toward the PRINCIPAL, instead, they had been applying much of it to INTEREST every month, despite the fact that I was doing exactly what the bank clerk had instructed me to do. So in XXXX when I advised the Wells Fargo rep that this was the case, she got very rude with me, then had to investigate. After much time on my part to gather the amount I knew we were owed back ( I estimate it to be around XXXX ), they said they would only return around XXXX of it. I told them that is not the right amount, and the Wells Fargo rep said something like, " Well this is the best we can do for you- would you like me to just change it back right now so that you get nothing instead? '' I was so upset that I just took what she was offering, but it has been a real problem for my husband and I since. I would love to give every detail ( I have them! ) in order to make these XXXX  STOP ripping off the public! Thanks much for your help- XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I, XXXX XXXX, a natural human being and consumer, requested my personal information be updated, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022, by certified mail to letter to Equifax and XXXX. 
Today is XX/XX/2022, Equifax and XXXX have chosen to ignore my request and continue to report false information on my credit report, therefore, causing harm to my credit profile and unwarranted stress to me mentally, physically, and financially.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

I tried to make an online purchase on XX/XX/XXXX in the XXXX and it never went through. After calling the JP Morgan Chase, they informed me that my account was put on restriction. I called the next day, XX/XX/XXXX ; and was told that Chase has decided to cancel their relationship with me. They never told me this was happening, nor did anyone tell me why this happened, just that it happened. They also wouldnt provide a contact number, email or name of any supervisor that could give answer my question. Everyone told me that this was their policy. 

I called Chase several times in an attempt to get an answer to how this happened, but all I was told was that Chase has the right to tell me or not to tell me. That and when I tried to get the cash out of my account, they refused to let me cash out. They are holding my cash and putting me in an impossible spot where I cant put gas in my car or anything. 

With everyone on online banking these days, and banks being able to, according to the lack of information provided, seemingly randomly canceling peoples accounts and holding their money from withdrawal, this puts people in bad spots. When I go to another bank what will keep me from doing whatever I did previously again? If I knew why this happened, I can fix it.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-20
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was issued cards in error the company Capital One in this instance did n't have proper protocols in place and issued more offers and cards to me then allowed. They then tried to guide there error in the name of fraud when in fact it was a computer error. My issue was and is that I closed down my other consumer accounts and have no recourse because of Capital Ones errors. So they have no mechanism in place to rectify my situation and may close down my accounts.