davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is not reporting on the appropriate standard times which causes my scores to be stagnated and stay still. For example Transunion and XXXX representatives stated that the status is updated on the XXXX of the month. Accordingly my research Transunion did not update on the XXXX of month as stated I noticed an update on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX etc in XX/XX/XXXXand XXXXThis is not consistent. The dates are dates ae off. XXXX representatives told me they update on the 1st of every month. They are not updating properly which puts me at a disadvantage to move up financially and to look favorable for loans in the future for school.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

The company use my work address to send the bill but I never received it! Bill got late 4 months Try to fix the problem with Capital One without success. Company reported delinquent account. The amount was {$3700.00}. I paid {$13000.00} to liquidate the bill. and they still reported negatively.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I was late on my payment with XXXX furniture back in XXXX of 2020, but I quickly brought the account back into good standing. Despite that, XXXX continues to report my account delinquent, although I have been making regular, on-time payments since XXXX. I have contested the status of this account through Equifax, but XXXX refuses to report the proper status of my account.
Consumer complaint received 2020-01-02
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)

Derogatory account alert from Experian through XXXX on XXXX XXXX on XX/XX/XXXX regarding an outstanding payment for {$600.00} to XXXX XXXX. Another alert was received from Experian regarding same severely late payment Of {$600.00} and derogatory account again on XX/XX/XXXX. Credit rating has now dropped over 40 points from 780+. I have never had any accounts, interactions or dealings with this company, XXXX XXXX XXXX, and therefore have no outstanding or late payments. Have not received a single alert or notification from XXXX XXXX XXXX itself regarding any derogatory account prior to reporting it as such to Experian as I have no accounts or monetary dealings with this company. Fraudulent activity reported to Experian and disputed on XX/XX/XXXX. Credit alert placed on credit report through Experian at this time. Numerous consumers have reported these same fraudulent experiences with this company XXXX XXXX XXXX.
Consumer complaint received 2021-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (LA)

I submitted a complaint against Loan Depot LLC, complaint number XXXX XXXX. In short, due to no fault of my own, my payments were showing late ( several were returned by the company ) and they were charging me late fees. You received a response from Loan Depot saying that they would not waive late fees. You closed the case without considering my evidence that I had gone above and beyond to become current on the payments and requesting that Loan Depot waive my late fees. What do I need to do to get some action on this issue? I've now made two payments ( in an abundance of caution ) and I still have outstanding late fees despite every attempt to work with the company. 

Please review my file and let me know what my next steps are to get this resolved. If the CFPB will not intervene on my behalf, please provide me with contact information for the regulator so that I can get this resolved. 

I work in the financial services industry and am disappointed in the CFPB 's lack of follow-up on this issue. 

Thank you for reconsidering this case.
Consumer complaint received 2020-01-02
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: NAVY FEDERAL CREDIT UNION (NV)

I have a hospital bill on my report that should have been resolved with my health insurance. XXXX  still has it unresolved and the company that i owe said they charged it to my insurance. 
Also i have a credit card account closed. XXXX still has it as open in good standing.
Consumer complaint received 2021-06-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (PA)

1. I was approved and in process for a refi with XXXX but it was taking too long.

2. I approached my existing lender ( Chase ) and asked them if they would refi my 4.125 % 30 year and match XXXX XXXX rate of 2.5 % 0 points. They agreed to match the rate and points. During the process I was in an conditional approval state.

3. I started the process in the beginning of XXXX  XXXX  and provided Chase with all the financials they needed. It should have been a 45 day process but they took until the end of XXXX  to close my application with no response.

4. I attempted to reach out to my loan consultants and their manager by phone and email but to date still do not have a response on what is going on? I login to my Chase portal and see the loan is closed.

5. I have been performing on my existing mortgage with Chase for over 7 years with no late payments or any concerns. Plus I have additional accounts with them for a longer period of time.

6. My wife and my credit scores are in the high 700 's. We have a good size real estate portfolio with rental incomes and no mortgages on them. I earn more money from my profession then I did when I started the loan in XXXX. The only debt we have is this mortgage with Chase bank. No car loans, credit card etc.. Plus we have liquidity in investments that itself could pay off 75 % of the loan amount today and if we liquidated real estate just one of the properties could pay the loan off.

7. How can a bank take 5+ months, no responses, excellent existing customers with good history and just close the loan without comment?
Consumer complaint received 2020-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc. (MO)

Real Time Resolutions ( RTR ) violated FDCPA rules & regulations when they failed to send me a written notice including amount of debt, name of creditor, and notice of consumers right to dispute debt w/in 30 days ( see 15 USC1612 ) A ) what obligation do I have at all to RTR? I have never heard from them, have no written contract w/them and have never received any benefits from them, yet RTR has submitted negative information to credit reporting agencies against my name and social security # and is demanding payment from me in the amount of {$1000.00}.
Consumer complaint received 2020-06-10
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. (CA)

Due to the COVID-19 pandemic many air travel tickets were cancelled or changed departure, arrival time as well as routs. I cancelled our purchased tickets for XXXX vacation what we purchased last year ( prior to pandemic ). First my credit card issued a refund but recently they reversed the tickets charge back due to the airlines replied to the dispute that the tickets are non refundable. However being a long time air traveler I know that there is a customer protection law that if an airline changes departure / arrival time for more than 15 min, customers have the right to cancel the purchased tickets and get reimbursement for money paid. I was able to contact XXXX XXXX reps who promised to issue a credit for the flights purchased. However I can not contact XXXX XXXX XXXX. 
XXXX XXXX XXXX  changed our time and flight rout but there is no way to contact them as they cancelled USA customer service ( ph # XXXX ) and I do not know Portuguese to call their XXXX office. If I log on their web site with our booking # XXXX there are our names only but no any tickets associated with the flights we purchased because flights were cancelled but new routs / tickets were not offered. I reported all of this to the Citi Creit Cards dispute department. Yet Citi card reversed the charge in XXXX XXXX XXXX favor so I do not have tickets or money pair for them.
Consumer complaint received 2020-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FMS Inc. (CO)

I have asked FMS to verify that I owe this debt on three separate occasions. I attached the letter that i have sent. Their response has been that they only have access to certain information. They have not provided the original copy of the contract between myself and the original creditor, the proper legal assignment contract between them and the original creditor. A line by line accounting of the original account, including detailed transaction history. Proof that they are licensed to collect debt in Colorado. 

What they have sent are a bunch of statements with no transaction history. They just show late fees on top of late fees. Absolutely, no transaction history. 

I have spoken with a lawyer and he told me that without the above referenced verification this will not stand in court. 

Once, again I am requesting what I asked for in my original letter. If you can not provide that to me, collection efforts need to stop. This is a clear violation of the FDCPA
Consumer complaint received 2023-01-20
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: CLGF Holdco 1, LLC (NY)

INDIGO-XXXX XXXX is in direct Consumer Law 15 USC 6802 ( a ) and 15 USC 6802 ( b ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2022-04-19
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: HUNTINGTON NATIONAL BANK, THE (CA)

HUNTINGTON NATIONAL BANK XXXX This account has always been paid on time. Proof of payments from XXXX XXXX XXXX have been submitted and have been ignored. I need my payment history fixed right away.
Consumer complaint received 2020-06-10
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: American First Finance, Inc. (GA)

Unauthorized Inquirers XXXX  XXXX  - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2020-06-10
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. (FL)

This company is reporting inaccurate information for an account balance that does not belong to me. The account is XXXX XXXX XXXX. I have contacted this company several times regarding this account with no resolve. 

This company has not provided me an documentation to support their investigation that the account and balance is correct. I am a victim of ID theft and predatory lending, and unfair and deceptive trade practices through XXXX XXXX XXXX. This company, along with XXXX is intentionally reporting inaccurate information that I have no knowledge of.
Consumer complaint received 2019-12-23
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. (TX)

HELLO MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNTS IN MY NAME : XXXX   XXXX  XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX   XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED:XX/XX/XXXX AMT. XXXX XXXX XXXX  OPENED:XX/XX/XXXX AMT. XXXX XXXX XXXX  OPENED:XX/XX/XXXX AMT. XXXX XXXX   XXXX XXXX. 
OPENED:XX/XX/XXXX AMT. XXXX XXXX XXXX OPENED:XX/XX/XXXX AMT. XXXX THEFOLLOWING INQUIRIES WERE ALSO FRAUDUKENTLY PLACED ON MY REPORT : 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 I HAVE ENCLOSED MY POLICE REPORT, I ALSO FILED AN IDENTITY THEFT REPORT.
Consumer complaint received 2020-01-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (FL)

XXXX XXXX aka TD Bank allowed an unknown individual to open an account in my name to purchase two XXXX XXXX XXXX XXXX cellphones with a credit limit of {$4200.00} on XX/XX/19. I have disputed this with XXXX XXXX/TD Bank, as well as XXXX, XXXX and XXXX. XXXX and XXXX deemed this " information accurate ''. 

This is a FRAUDULENT PURCHASE in the amount of {$1700.00} that two credit bureaus apparently say is valid and XXXX XXXX says will take 90 days to resolve?? 

I can provide report numbers and documentation that prove I disputed this fraudulent activity. I can also provide the statement from XXXX XXXX mailed to my home showing the detailed account information. I called XXXX XXXX/TD Bank XX/XX/19 when I received the statement to report fraud and was informed in a non caring tone that the account is frozen and I 'should ' receive a follow up from their fraud department which takes 90 days. They will not disclose to me how they allowed someone to buy these cellphones under my name fraudulently on XX/XX/19.
Consumer complaint received 2020-06-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

This XXXX  was disputed and removed from all three credit reporting agencies prior to XX/XX/2020, I checked my XXXX  report and this same account was re-added under another collection agency, nothing sent to me confirming the account which I had previously disputed and had removed because it did not belong to me. This should not be legal that a collection company can add a collection and not verify or send the consumer notification regarding a fake account.
Consumer complaint received 2019-12-23
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. (IL)

By law no creditor can report a consumer late until 30 days AFTER the due date of an account. My credit card payment due was originally {$39.00} by XX/XX/XXXX plus a {$39.00} late fee which equal {$78.00}. All other payment history was paid on time since having the card.

XXXX VISA is the creditor who just posted on my credit reports XXXX XXXX, XXXX  and Experian a 30 day late a few days after the due XX/XX/XXXX when by credit reporting law they are not suppose to post a late payment until 30 days AFTER the due date.

I am XXXX and ready to sue if it's not resloved in the next 30 days. My right is I can pay my bill after the due date ( XX/XX/XXXX as long as it is paid before XX/XX/XXXX by law for example. My credit was perfect before XXXX Visa posted a 30 day late on XX/XX/XXXX only 7 days after the due date. ILLEGAL AND I AM XXXX!
Consumer complaint received 2023-12-27
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)

on XX/XX/2023 i check my personal credit report which i required from XXXX. I noticed unauthorized credit inquiries and accounts had been made. i did not approve these inquiries or the accounts and they are fraudulent. i submitted a report with identitytheft, gov and sent out letters to the bureaus to get the inquiries and accounts removed. however, i feel they are not taking it seriously so I'm submitting a report with cfcb now to see if they can help me fix this issue.
Consumer complaint received 2019-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

i Have a current loan with OCWEN mortgage. They agreed thru a bankruptcy court action, via a signed agreement, that they would honor a former modification applied for in 2011. Approved thru my BK # XXXX plan and signed by the JUdge. XXXX decides at a later date they will NOT honor the signed agreement. I had to obtain services of a lawyer to force them into agreement last summer. On XX/XX/XXXX, same year they file a NOD, after agreeing my loan was current. They now have just filed a NOS. They refuse to honor signed modification or agreement done thru XXXX last year. In addition, they refuse to accept current payments on my loan. I now face having to refile XXXX. I also had to spend another {$5000.00} in legal fees to bring a federal action. Can CFPB help me in any way to open investigation into this matter? I only have limited time. 

XXXX XXXX
Consumer complaint received 2018-03-03
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: Byrider Franchising, LLC (TX)

I called XXXX  on XX/XX/XXXX regarding several inquiries that were on my credit report even on that's listed twice. XXXX XXXX told me to contact the companies and ask them to do something about it and send a letter of deletion back to them. I called the numbers listed and I either got hung up on. They did know what I was talking about or I was just on hold with no results.
Consumer complaint received 2020-06-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc. (TX)

I recently filed a complaint CFPB about XXXX, there were two negative accounts before the complaint was initiated. One was deleted before the investigation was completed, the other was deleted after the investigation. Merchants and Professionals have put another ridiculous amount on my credit, {$26.00}. I have no idea why people would attempt to ruin your credit with such a small amount during a pandemic, It was reported on XXXX, I have no idea where this debt is from. I've never received a bill for {$26.00} in my life.
Consumer complaint received 2019-02-11
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)

This letter is my final communication regarding the inaccurate entries being reported on my credit report. 

I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by these offices substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
I have maintained careful records of your actions, and you will now be required to appear at XXXX XXXX XXXX, XXXX, NY XXXX. 

I am seeking {$10000.00} in damages plus {$1000.00} per incident for : Violations of the Fair Credit Reporting Act - including but not limited to Section 611 Violations of Defamation Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 


Prior to our court date if you should decide to correct your records and remove the negative and false item in question, please contact me at the address below, and I will subsequently withdraw the lawsuit. 

My contact information is as follows : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX Cc : My Attorney Credit Inquires : The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : 1- XXXX - XX/XX/2018 2- XXXX - XX/XX/2018 3- XXXX XXXX XXXX XXXX XX/XX/2018 4- XXXX XX/XX/2018 5- XXXX XX/XX/2018 6- XXXX   XX/XX/2018
Consumer complaint received 2020-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, my wife and I called to AMEX XXXX and asked about my wife 's welcome bonus ( XXXX XXXX   point and one free weekend certificate ). The customer service refused to give the welcome bonus after she completed her spending amount {$5000.00} on XX/XX/XXXX. She insisted that the system told us the system warned my wife would not get welcome offer for this card. However, we did not see this kind of information or any similar things during the application. Otherwise, we would not apply this card for my wife. Ironically, she got instantly approval for this card!! 
Asked to transfer to a manager. Still gave us the same answer. 
This is unbelievable that Amex tricks their customers. And it happens to us.