davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (CA)

I sent my letter off XX/XX/XXXX I told the credit bureaus to remove addresses that appear to be incorrect on my consumer profile. Ive enclosed documentation providing proof of my current address, as instructed to do on your website. 
To make your process of deletion easier, Here is a list of incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / incorrect addresses ) There should only be XXXX address Listed on my report, which is ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Ca XXXX { INCORRECT ADDRESSES } 1. XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX Single family XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Multifamily XXXX 3. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Single family XXXX 4. XXXX XXXX XXXX XXXX MI XXXX XXXX Single family XXXX 5. XXXX XXXX XXXX XXXX MI XXXX XXXX Single family XXXX 6. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Single family I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : { Incorrect names } 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX Once you have deleted the inaccurate names and address from my credit report, please send me a copy of my updated report XXXX,
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (GA)

I am writing to express my extreme dissatisfaction and frustration regarding the fraudulent accounts that have appeared on my credit report. It has come to my attention that there are discrepancies in my credit history, which are entirely erroneous and damaging to my financial reputation. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Credit Karma (TN)

We were having our tax refund to the money spending account with credit Karma but they closed the account on XX/XX/XXXX without notifying us at all. XXXX sent our refund but credit Karma said they had no record. XXXX gave us a trace number to give credit Karma but they said that there was no deposit made. My taxes were supposed to be deposited into that account on XX/XX/XXXX. I feel like credit Karma should reimburse what I have had to pay XXXX. Also that credit Karma should be under investigation on all of their services.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Credit Union is obligated per the XXXX to provide proper accounting. Consumer has disputed the validity of the debt and requested proper documentary evidence of the accounting such as the journal of debits and credits, promissory note, security agreement and disclosures according to billing error procedures in XXXX2 CFR 1026.13. Consumer extended credit card information, per 15 USC 1602 ( l ), and provided a promissory note in the amount of {$79000.00} to cover the obligation in question, per 12 USC 1813 ( l ). Consumer was also charged a daily interest rate, which goes against XXXX. In retaliation for the dispute, they have charged off my account, made numerous threats of repossession and shared my personal information without my consent to third party non-affiliates, thus damaging my character and reputation. My personal information was shared with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX without my consent. Navy Federal Credit Union has XXXX XXXX to provide me the required documentary evidence according to 12 CFR 1026.13. I will be filing form XXXX treasury to audit the consumers account. Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-23
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. (TX)

I want the account removed from my reports at the XXXX credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within 72 hours from all XXXX credit agencies. 

Account # XXXX
Consumer complaint received 2023-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was contacted by email Bank of America, XXXX XXXX, XXXX ; XXXX XXXX XXXX Complaint Operations Bank of America XXXX Extension : XXXX C- XXXX To confirm my previous CFPB complaint was actually done by me, I emailed back yes, got no response. So I called, straight to voicemail when it was NOT lunchtime/break time OR before/after his work hours. So I left a voicemail, it has been XXXX  days. He has yet gotten back to me. If this doesnt get solved I will continue to file complaints, my original complaint issue has yet to be solved so they just keep me on the line to be hanged. I XXXX  you guys so much XXXX  XXXX!
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

The following accounts on my Experian reports have factual information that conflicts with XXXX and XXXX reports : XXXX XXXX XXXX Account XXXX XXXX : a ) Experian lists the account as 30 & 60 days late in XX/XX/XXXX & XX/XX/XXXX ; XXXX and XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; b ) Account last updated shows XX/XX/XXXX, XXXX and XXXX XXXX XX/XX/XXXX XXXX c ) Account closed lists account not closed, XXXX and XXXX say close date is XX/XX/XXXX. d ) Account type, Experian says line of credit ; XXXX and XXXX show credit card. 

XXXX XXXX XXXX Account XXXX XXXX : a ) Experian lists the account as 30 days late in XX/XX/XXXX ; XXXX and XXXX indicate 30 days late in XX/XX/XXXX. b ) Account last updated shows XX/XX/XXXX, XXXX says XX/XX/XXXX, XXXX says XX/XX/XXXX. c ) Account closed date lists account not closed, XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. d ) Date of last activity says no date of last activity, XXXX shows XX/XX/XXXX, XXXX shows XX/XX/XXXX.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (LA)

Ok XX/XX/XXXX i request XXXX XXXX at Navy Federal and was told I wasnt eligible by email on XXXX XXXX past the 30 days of the request. Please let me know what action I can take.
Consumer complaint received 2022-10-03
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. (TX)

FCRA VIOATIONS NOT MINE PLEASE DELETE NOT MY CC XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3500.00} Status Account charged off. {$3500.00} written off. {$2800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5600.00} Status Account charged off. {$5600.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2800.00} written off. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$4900.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$6500.00} Status Account charged off. {$6500.00} written off. {$6500.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3400.00} Status Collection account. {$3.00}, NOT MY CHILD SUPPORT OFFICE OF THE ATTY GENER Potentially negative Date opened XX/XX/XXXX Balance {$2700.00} Status Open. {$2700.00} past due NEVER LIVED HERE XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex  XXXX XXXX XXXX  XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type NOT MY PHONE NUMBERS ( XXXX ) XXXX XXXX ( XXXX ) XXXX NOT MY NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY WORK PLACE XXXX XXXX XXXX XXXX XXXX XXXX NOT MY INQURIES XXXX XXXX, XXXX  Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Consumer complaint received 2022-10-03
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. (MI)

These accounts were listed as mine and they were all fraudulent accounts XXXX XXXX XXXX XXXXXX/XX/XXXX ( Closed ) XXXX XXXX Not my account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ). XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ( Finance ) - XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX ( Bank XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ). XX/XX/XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ). XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-10-03
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. (MI)

These accounts were listed as mine and they were all fraudulent accounts XXXX XXXX XXXX XXXXXX/XX/XXXX ( Closed ) XXXX XXXX Not my account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XX/XX/XXXXXXXX XXXX XXXX ( Bank ). XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ( Finance ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX ( Bank XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX  ( Finance ). XX/XX/XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX  XXXX ( Bank ). XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (DC)

In XXXX oXXXX XXXX, Loan Depot indicated that my XXXX XXXX was short {$14000.00} for my property tax bill and that I would be required to pay an additional {$1300.00} per month to address the shortage on top of the XXXX that would be the new monthly tax payment escrowed going forward. I identified a discrepancy with my jurisdiction and in XX/XX/2022, my jurisdiction reissued a new tax bill clarifying that the tax obligation for the year would be only {$1800.00}. The jurisdiction acknowledged a credit that was available for overpayment of my tax obligation along with instructions for LoanDepot to collect the credit. LoanDepot has made no efforts to collect this credit to apply to the escrow account. 

Since XX/XX/2022, Loan Depot has not accurately corrected the tax obligation and instead increased the amount due to address the escrow shortage. I have requested multiple tax and escrow analyses to be performed on the account, LoanDepot acknowledges their error in telephone conversations and refuses to adjust the monthly mortgage payment for XXXX and XXXX to correct this error. Moreover, despite the overpayments to the escrow account, LoanDepot continues to show an escrow shortage. The additional {$2500.00} per month being asked to pay despite my annual tax obligation being only {$1800.00} per year is egregious and predatory.
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

For the past week, Capital One customers including me have been unable to redeem rewards on mile transfers ( transferring miles to partner airlines and hotels ). Here are a couple articles documenting it : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Capital One refuses to give any timeline on when this will be fixed. The only reason I signed up for Capital One XXXX XXXX was because of the rewards transfer partners. It is very frustrating that the company will not give us a timeline on when issue will be fixed.
Consumer complaint received 2023-01-14
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. (VA)

XXXX failed to close cellular account and did not credit my returned devices stating I owed {$2200.00} and sent to source receivables for collection. disputed with credit reporting agencies Experian, XXXX, XXXX and they failed to investigate dispute.
Consumer complaint received 2022-10-03
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (TN)

My husband and I applied for a loan for a single wide to put in our property for our daughter and grandson to live in from Vanderbilt mortgage. We were promptly denied because our credit score was not above XXXX. It is for both me and my husband. My credit score is XXXX pts higher than XXXX XXXX stated mine was. My daughter applied and cant get the full amount financed so I agreed to co-sign. The request was denied, not based on credit worthiness but XXXX XXXX wont allow me to continue to own another mobile home ( which doesnt have a mortgage or any type of lien against it ). This is an unreasonable request and property that could be used to secure the loan. She has decided she is NOT going to loan to us regardless of credit score or credit worthiness and made that fact abundantly clear in our conversation today. 

It should be noted that creditworthiness or ability to pay is not an issue nor is it being considered. We have an annual household income of close to $ XXXX and no mortgage. The amount we are attempting to borrow is approximately $ XXXX.
Consumer complaint received 2022-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CO)

Have spent countless hours attempting to pay mortgage and all attempts have failed. I routinely made mortgage payments using online payment system until XX/XX/2022. Without warning, the online system was modified so that manual payments failed and automatic payments failed, with no recourse. This led to a missed payment. Company removed the ability to chat online, and phone calls were placed on interminable holds and disconnected. There was no way to complete payment, thus forcing customers to pay fees. On XX/XX/XXXX, I was forced to travel to physical bank location, and double payments were processed including extra fees.
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (SC)

The company is Genesis Fs. I have 3 credit cards with them. The oldest being XXXX years old I believe. I have lived at the same address for XXXX  years. Somehow they allowed for my address to be changed on all XXXX cards. I was also locked out if my online accounts. I attempted to reach out to the company. I was told to send them a copy of my drivers licenses through the mail to verify my address. They refuse to verify me by any other means. Like phone dob ssn and so on. I have been dealing with this for awhile now. I have no access to cancel the cards or to even pay for the cards. The problem also comes in that I have no access to get statements and the balances are higher than they should be. They will not review any info on the charges with me. So while Im waiting for them to review my driver licenses they keep wracking up fees. This is completely not ok.
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a payment over the phone to a company that accepted credit card as a form of payment. Without any warning or communication, Bank of America charged a {$400.00} fee for the purchase. I called bofa to inquire and was told the merchant ran the charge as a cash advance which triggered the fee. Bank of America refused to adjust the fee, and refused to allow me to file a dispute of the fee. I contacted the merchant who told me he did not run a cash advance on my card, but rather a credit sale. He told me its impossible for him to get a cash advance using my card info over the phone. So Bank of America has charged me a fee of {$400.00} on a credit card charge, and they are refusing to reverse the charge. I have spoken to 3 different representatives including one supervisor, and my wife spoke to 3 reps including one supervisor. All 6 have insisted the fee can not be reversed. Had I been  informed that a fee would be triggered by the transaction, I would have paid by check. This is the most unfair charge And experience Ive ever encountered.
Consumer complaint received 2024-02-23
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. (NY)

I recently reviewed my credit report after reading FCRA and I noticed according to 15 USC 1666B Their should be no late payments on my report it violates privacy and consent laws section 611 of the FCRA
Consumer complaint received 2023-01-14
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: Experian Information Solutions Inc. (TX)

I am submitting this CFPB Complaint to today to request once more to remove the inaccurate personal information and unauthorized inquiries you have been reporting on my Credit File. I informed you before that I was a victim of identity theft and these items were never mine nor did I authorized anyone to conduct these items on my behalf. I do appreciate your efforts to remove a portion of the disputed accounts and information off my Credit File but there are still items being reported. Under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. Please remove the following items off from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you believe that these items belong to me, I require you to please send my any copies of proof of ownership or verification to support you beliefs. In the event you can not provide such documents, immediately remove the disputed items from my Credit File.
Consumer complaint received 2023-01-14
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: Experian Information Solutions Inc. (NV)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00}
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

Equifax continues to claim XXXX public records of bankruptcies on my credit report are being " verified '' by XXXX, their public record information vendor ( attached XXXX ). 
My personal file with XXXX XXXX is frozen and suppressed ( attached XXXX ). 
I am disputing the Equifax verification process of these alleged public records.