davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (NC)

Pentagon Federal Credit Union did not disclose the exact percentage that would be added when converting to a fixed rate loan. This was never disclosed in any verbal nor written communication. The load begins with an introductory rate of .99 % for the first 6 months and then moves to a variable rate loan. What was not disclosed is that to convert to a fixed rate loan they add an additional .25 % as well as 3 % on top of the prime rate. During the application process this 3 % was not disclosed.
Consumer complaint received 2023-02-18
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update in my credit file XXXX XXXX Balance Owed : {$670.00} ; XXXX XXXX XXXX Balance Owed : {$630.00}
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

I applied for an IKEA credit card ( with comenity capital bank ). But I never received the card. Obviously, someone stole this card, open the card and made purchases for XXXX without my authorization. 
I tried connect with the bank 5 times. Still not get this resolved. I want to dispute the charge and recover my XXXX XXXX.
Consumer complaint received 2017-11-22
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. (NY)

XXXX XXXX XXXX #XXXX XXXX XXXX XXXX XXXX,XXXX   XXXX XXXX, VA XXXX (XXXX) XXXX 
Placed For Collection: XX/XX/XXXX 
Responsibility: Individual Account 
Account Type: Open Account 
Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX 
Date Updated: XX/XX/XXXX 
Original Amount: $XXXX   
Original Creditor: XXXX-XXXX XXXX (Medical/Health Care) 
Past Due: $XXXX  
Pay Status: >In Collection< 
Remarks: >PLACED FOR COLLECTION< 
Estimated month and year that this item will be removed: XX/XX/XXXX 
XXXX XXXX XXXX   #XXXX XXXX XXXX XXXX XXXX,XXXX XXXX XXXX, VA XXXX   (XXXX) XXXX 
Placed For Collection: XX/XX/XXXX 
Responsibility: Individual Account 
Account Type: Open Account 
Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX 
Date Updated: XX/XX/XXXX 
Original Amount: $XXXX 
Original Creditor: XXXX XXXX (Medical/Health Care) 
Past Due: $XXXX 
Pay Status: >In Collection< 
Remarks: >PLACED FOR COLLECTION< 
Estimated month and year that this item will be removed: XX/XX/XXXX 
These items were put on  my credit report an they are not mine.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX in Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX account number : XXXX Account name : XXXX XXXX XXXX. 
Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX bank Account name : XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX 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 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 2023-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (PA)

XX/XX/XXXX - On XX/XX/XXXX, I requested XXXX ( XXXX ) money orders to be charged to my Wells Fargo checking account ending in XXXX money order # account # XXXX # XXXX {$150.00} & Money # XXXX XXXX # XXXX was for {$420.00} both drawn on the above- mentioned account. In reviewing my account, I do not see either of these transactions ( both on the same day ) listed on my account for XXXX, or any other date in XXXX. I see NO transaction!! Which is very strange as I did see that entry made when I checked on XXXX balance at the end of the month. Now there is only one other transaction of a money order attributed to my checking account that was charged. 
I would like a full explanation as to WHY this account is not showing my purchase of XXXX money via my checking account..
Consumer complaint received 2023-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (VA)

MIDLAND MANAGEMENT has failed to respond to my letters..I have requested verification of this account such as contract, payment history, etc it's my belief that this account was paid off prior to collections ... .. if this is in fact my account... XXXX I was diagnosed with stage XXXX XXXX, recurrence in XXXX now stage XXXX moved to XXXX if my recollection serves me correctly this account would've been paid off due to the uncertainty of things and me not wanting to leave any unpaid debt for my daughters... this collection has caused me so much anxiety, grief, time and embarrassment
Consumer complaint received 2023-02-16
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: P&B Capital Group, LLC (NJ)

This Company Continuously calls me and harasses me even though I've asked them to stop multiple times about a debt that I'm not aware of on XX/XX/23 I received a call from this company claiming they sent me an email about a debt that I never got and that I'm not aware of the lady was extremely rude threatening me that I have 30 days to pay this debt or they will be adding it to my credit report, they are threatening to damage my credit report and improperly use information about me. I will be filing a complaint with the XXXX  about this company.
Consumer complaint received 2023-02-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC (MS)

XX/XX/22 I responded to a pre-qualified mail offer for a personal loan of up to {$5000.00}. I went to the Mariner Financial website provided on the mailer and completed my application. The response I received was to call the local office in XXXX XXXX, MS . I called the office and spoke with a customer service rep who pulled up my application and began asking me information to verify my application. She asked me about my employment and I told her that I worked remotely. She still insisted on me giving her an address. Afterward she asked me about verifying my employment. I told her that my company uses XXXX XXXX XXXX to verify employment and that I could also provide a written letter from my company and or my check stubs. She proceeded to tell me that she had to speak with my manager or supervisor to verify my employment. I told her that I am not comfortable with anyone from my employer knowing my personal business. She told me that's the only way they could verify employment. 
I feel that this is racially motivated. If I can provide written proof of my employment and my paycheck stubs why is it necessary to involve my manager in my personal business?
Consumer complaint received 2023-10-27
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-13
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. (GA)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-01-20
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. (PA)

I am writing to dispute these charges and inquiries 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. I am a victim of identity theft and I did not authorize or make these charges or inquiries on my report. I am requesting these charges and inquiries be removed and I be provided a corrected report as soon as possible.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (NJ)

" THIS COMPLAINT IS NOT A DUPLICATE " This loan was paid off in full on XX/XX/2023. Upgrade unexpectedly called the loan in the prior month. It has failed thus far to report the account as paid and settled to all credit bureaus. Upgrade has behaved in a manner similar to a loan shark. Regardless we had to find the money to pay them off and now they are holding back on reporting It as paid. Which is having a negative effect on my credit score.

Please see the attached loan paid receipt E-Mail from them.

This complaint is also addressed against the 3 credit bureau companies for maintaining and putting out the wrong information on my credit report and not updating it regularly.
Consumer complaint received 2019-09-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (FL)

I refinanced my mortgage in XX/XX/2019 with XXXX XXXX. When I received my first statement from the company, I noticed that my escrow balance was shown incorrectly as {$0.00}. My escrow balance should have been {$4100.00} as per the closing disclosure during the refinance. 

Since then, I have already made two payments and contacted the company several times through email and phone to report the escrow balance error, but each time I get a response saying that this is being investigated and that someone from their team will contact me back. So far, I have not received any response from the company and it has been over a 45 days since I first reported this issue. It is surprising to me that this has taken so long to resolve when the agents over the phone can clearly see the Final closing disclosure statement with the correct escrow balances.
Consumer complaint received 2019-07-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mobiloans, LLC (FL)

a long time ago I made the payment of the TOTAL amount of the loan to the Mobiloans company and wish to be removed from my credit bureaus the negative account report that reports and damages my credit. Rs a credit already paid and it's been a while.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX ACCOUNT In accordance with the Fair Credit Reporting Act XXXX AUTO ACCOUNT # XXXX, has violated my lawfully federal protected consumer rights of privacy and confidentiality under 15USC1681 15USC1681 sec 602A says I have the rights to privacy 15USC1681 sec 604A sec2 says a consumer reporting agency can not furnish a account without my written instruction I told XXXX , Transunion , and XXXX to re-investigate this account : XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

Also, There are several Inaccuracies on account starting with Date of Last Activity and lets not forget that they never gave me my 1099-C that they filed for this XXXX XXXX charge off on this account.
Consumer complaint received 2023-03-07
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-07
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: Bread Financial Holdings, Inc. (PA)

Updated information & documents. 

XXXX XXXX XXXX  XXXXComenity Bank  violated my federal rights and placed an unauthorized inquiry on my credit report. 

see attached document Comenity Bank dispute notice.
Consumer complaint received 2023-01-20
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. (GA)

These items are listed on my report that don't belong to me and I have already contacted companies. 

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 2022-04-15
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. (GA)

I paid XXXX XXXX off on XX/XX/2022 which shows a {$0.00} balance and that the account was closed. However, they still keep reporting charge offs to the credit bureaus. A charge off was reported for the month XXXX and XXXX. I have sent a dispute but as of today nothing has been fixed.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

My bank is charging me XXXX for 3 duplicate checks Made on XX/XX/2022. I contacted wellsfargo hoping they would solve my concern but they treated me badly and blaming me for those transactions. At this day my account is XXXX And I dont want to see my record affected for this transactions
Consumer complaint received 2017-10-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (HI)

I began a divorce with my former spouse inXX/XX/XXXXXXXX, and we jointly initiated and signed all documents for a title transfer and a mortgage assumption of our home into my name alone. USAA is the institution handling the mortgage that was underwritten by XXXX throughout the process of the initial assumption. The divorce finalized in early XX/XX/XXXX and the completed assumption package with all paid fees ( {$350.00} ) and necessary documents was received and confirmed accepted inXX/XX/XXXX. I confirmed this through USAA and obtained a copy of the completed package. Many months went by with no word on the assumption. I was later contacted in XXXX and XX/XX/XXXX by a XXXX representative asking for updated documents for running credit history as the provided documents in the assumption package were now outdated from their company not processing the package. All documents were promptly provided. Again no progress was made for several months. I was informed over the phone by the special loans department that the representative that contacted me no longer worked in their office, and no one was aware of the status of my assumption. 

Sometime in the following months the mortgage was sold to XXXX without any notification. I was then forced to restart the assumption process through their company with entirely new documents in XXXX to XX/XX/XXXX. By the end ofXX/XX/XXXX, I was informed by the Research Department of USAA that the new assumption package was fully accepted, and their office was awaiting closing documents to be sent back from the underwriter. Between XXXX andXX/XX/XXXX I have had numerous email conversations regarding the progress, which has resulted in the same response each time, that they are awaiting closing documents. In XX/XX/XXXX I requested contact information for a manager or director. The number provided does not answer, and does not return calls when messages are left. 10-15 attempts were made over 2 months. My most resent email sent onXX/XX/XXXX has yet to be returned. I have copies of all email correspondence, assumption documents, and notes regarding most phone contacts with names and dates. 

Their office ( USAA Research Department ) does not provide phone numbers, and instead utilizes an organization email address. They appear to either be deliberately not processing my assumption, or are failing to do so out of extreme negligence. I am requesting assistance to get this assumption completed, as my attempts to do so alone have been unsuccessful now for 2 years despite taking all necessary steps two times over. I am certainly not the first military member to get divorced and assume a mortgage through USAA or its affiliates, this should have taken 30 days, not 2 years.
Consumer complaint received 2023-10-27
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AZ)

hi I had opened a lowes acct with synchrony bank in XXXX XXXXXXXX it had a XXXX limit. so yes I was using card. never missed a payment paid it down then used it up. well I got letter from synchrony yesterday saying they closed my acct wth. the excuse they used was couldn't handle high balances and supposedly had missed a payment on my other cards which is not true. then it said too many inquiries. wth. I used the card paid on time etc thanks to synchrony bank my credit score dropped XXXX XXXX  not right. this is ridiculous and unfair. paying on time even if it was the minimum is right so wth is their problem. I would like my account reopen and in good standing with the credit bureaus. I am disputing other company that says I was a payment behind which is error thank you