davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (MD)

In the last quarter of XXXX XXXX my divorce began, I had fallen behind in my payments of the mortgage I closed on XXXX XXXX. The nature of my business is solely dependent on my ability to perform. 

The first quarter of XXXX I was committed to multiple contracts to continue developing various treatments for Caner and more importantly my XXXX XXXX was scheduled to deliver a return of the XXXX invested prior XXXX years During the Forced lock down the lender carried on with XXXX XXXX Maryland courts. Because of the uncertainty of XXXX, XXXX XXXX plant in XXXX was XXXX down for over a XXXX in XXXX and XXXX investors were prevented from conducting business with my company because of the forced lock down. 

The XXXX began foreclosure proceedings in XX/XX/XXXX. Absolutely NO RELIEF was offered. Once the Court reminded the Lender of the Moratorium in place to provide relief the Lender responded with a motion submitted that falsely stated I was exempt from the protection provided by the XXXX Moratorium. 

My Home was not only being taken from me, my ability to recover any additional funds also was stripped away by the lender who reported my loan inaccurately. instead of owing my original Debt I owed over XXXX due to credit reporting by the lender When in fact I only borrowed {>= $1,000,000}. 

As of todays date the lender finally repaired the duplicate reporting, however the loan information is still a lot more than I borrowed. 

My business suffered the consequences because my equity and credit availability had been eaten up by the lenders false credit reporting The XXXX XXXX and any local grants or loans I could apply for all denied me because my debt to income ration and my credit score that suffered XXXX reporting of mortgages XXXX Forclosure and the second account remained open and was still accruing interest 1 year after the judges order of forclosure and is still showing active. 

I am requesting for assistance to seek the damages caused by this lender. 

XXXX XXXX XXXX XXXX. 
I am the spouse listed in the final closing statement. XXXX XXXX, at no point did I authorize the use of my personal identification information for the application process of this loan. 

I was not in the country at the time as XXXX and I were separated. I was in XXXX where I still remain. and have record of my travels. 

The lender added my personal information without my consent. I was given direction from them to go to American consulate in XXXX and sign the mortgage application on XX/XX/XXXX. I told the lender taking out. a loan for XXXX XXXX was of not interest to me as I pay cash for everything. 

Lender falsely advised XXXX my agreement to continue with the application. There is no documentation with. my signature approval or consent. If there is record it is a fraudleunt claim.
Consumer complaint received 2022-03-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS, INQUIRIES and BANKRUPTCY from my credit report immediately.
Consumer complaint received 2022-04-19
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

XXXX XXXX XXXX ACCOUNT # : XXXX XXXX  XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # : XXXX
Consumer complaint received 2021-03-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANCO POPULAR DE PUERTO RICO (FL)

I have tried to contact this company on several occasions because an account with them appears in my credit report but they can not validate any type of account information because they do not have information about this account. The last time I spoke they gave me the number of an agency and I called them to ask them to validate the information of this account and this company called XXXX XXXXXXXX XXXX told me that this case was had by lawyers and that they had no information about me. bill. I contacted the law offices and they told me that they could not validate the information but that an account appeared with them to collect and that I would send them the police report to eliminate the account. More than 45 days ago I sent them documents to prove that this account is not mine and they still have not answered. I opened a dispute in XXXX and the dispute was completed but XXXX  says that Banco Popular told them that the account can not be deleted. When I call Banco Popular they do not have any information about this account in their databases, so I do not understand how the experience says that Banco Popular said that they will not delete the account.
Consumer complaint received 2022-04-19
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. (CA)

According to the Fair Credit reporting act 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 Section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-29
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. (NY)

I have 1 inquiry I did not authorized and my late from XXXX was due to XXXX .I wasn't able to make my payment on time but if you notice I was never late on any of my accounts.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Social Finance, Inc. (IL)

I was alerted to a fraudulent credit inquiry by XXXX on XX/XX/2022. It was by a personal loan company named XXXX. I immediately alerted XXXX that this was fraud, and they told me they would take the necessary steps to make sure more fraudulent activity did not take place. I also contacted XXXX immediately and let them know that this was identity theft and that XXXX owner of the XXXX being useddid not apply for any loans. The next day, despite being on the phone for over an hour with XXXX the previous day, another hard inquiry for a personal loan from SoFi was allowed through. My accounts, reports, etc are frozen. I have placed alerts on all three bureaus. Furthermore, XXXX has made it their policy to never talk to a customer unless they are a business customer. Their automated system menus are deliberately designed to lead callers to dead-ends and hang up on them. They dont take their duty as to the public as a credit reporting agency seriously and are not even willing to fulfill the basics steps to protect the identity of the people whose information they sell. I have not been able to get a response from them or Sofi at this point. I am purely depending on credit locks and freezes and my personal diligence to protect my finances. The hard inquiry on my credit still remains. Luckily, I dont believe any loans were generated as I reacted within minutes.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I strongly request that you update my account to accurately reflect my payment history. Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.
Consumer complaint received 2022-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

This is hardly the first first time I've contacted you. In your prior responses, I've gotten pablum and, whatever the bank says is what you tell me. So ( after referring to my prior XXXX or XXXX complaints ), please see the following. I've been getting the runaround from Capital One ( and you and the insurer and the reverse mortgage holder ). What was a small, to me fairly insignificant problem, as turned out to be the 100 Years ' War. And the amount at stake is fairly miniscule, except for me, of course. Attached is the last letter I sent to Capital One. If the online agreement does not say SPECIFICALLY that there may be ONLY ONE PAYEE, then everything else is BS and their argument is nothing. Attached is letter I sent to Capital One. 

And if I had the money to hire an attorney, I wouldn't be writing this now. Look at their agreement! It's not worded as they believe it is worded.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc. (OH)

Unable to track down loan servicing provider for student loan. Have contacted multiple companies with no resolution or record of my loan. Have spoken to XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX. Contacted using phone numbers listed below : XXXX XXXX XXXX XXXX XXXX XXXX I can not repay my loan if no one has record of it. If no one has record I want it removed from my credit.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications.

These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2022-04-19
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. (OR)

In accordance with the Fair Credit Reporting act XXXX  Account # ( XXXX  ) XXXX  Account # : XXXX Closed ; ( 2 ) XXXX  XXXX XXXX Account XXXX : XXXX Closed ; ( XXXX ) XXXX  XXXX Account # : Date Reported : Condition : Credit Limit : XXXX Closed ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not Furnish account without my written instructions.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act Convergent Accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 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: PENNYMAC LOAN SERVICES, LLC. (AZ)

Penny Mac reported to the credit bureau that my mortgage had many months of missed payments along with my loan not being payed off. This has become an issue in my new loan for another home. As this loan is payed off and penny Mac said I made all payments. Called pennymac multiple times to get a letter and they can not fix it. They said they would call credit Bureau however did not update me with any information.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I had a personal loan with XXXX XXXX XXXX XXXX and because of the covid-19 I couldn't pay on it and it went to collections sometime later I contacted the credit union I made arrangements a little before XX/XX/20 and I started paying on the loan sometime later I finally paid off the loan on XXXX, XXXX but I went to pull my Equifax credit report and it's still saying it's in collections/ charge off which is not true and I know what the Fair credit reporting act that they have to report accurate information and I will show the actual law that they have to follow I will show also as well that the bank statement showing that I owe absolutely nothing on this loan and it's paid off and the attachment below the account number that Equifax has associated with this account is account number XXXX
Consumer complaint received 2022-10-15
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (PA)

Wells fargo bank Account XXXX Is reporting on my credit profile a wrong information, and is making me unable to open a bank account in another bank institution. It is reporting as a credit card on my credit report when it was not! Neither i had a credit limit with them.
Consumer complaint received 2023-06-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-04-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am a credit account holder with Bank of America Visa. On or about XX/XX/2022, I received partial notification from Bank of America ( via email and website ) of a series of fraudulent charges on my Visa credit account. I immediately went to the Bank of America website, saw a series of series of fraudulent charges, and, in an interactive menu, checked each of them as fraudulent. Bank of America, via the website, did not acknowledge my entry. I attempted again and again to deny these charges, however there seemed to be no acknowledgement ( some, though not all, were declined by Bank of America ). I could not even view any further charges since the website had then locked down my regular account page. It seemed it was stuck in an endless cycle on the confirm these charges question. I underwent a similar process on a Bank of America phone app, also to no avail. 


I can not even verify the names and dates because I can no longer view them on my account. I later noticed even further charges totalling over {$400.00}, which are fraudulent and were not authorized by me. Using the website, I again hit a roadblock each time I attempted to dispute the charges. 

I also attempted to contact Bank of America by telephone at various times after this, at XXXX XXXX XXXX, with no actual contact and no success. 

As to the business practices of Bank of America, I am extremely concerned by the refusal to acknowledge my clear notifications of these fraudulent charges. 
I was assured by the website that my card would be cancelled and replaced due to the fraud charges and could no longer be used. This did not happen. Please understand, as this was all on website and I was not able to capture it, I have no way of proving these actions did occur. 

Bank of Americas questionable credit practices place the account holder in an impossible position, since he will be concerned about additional fraudulent charges and yet unable to : 1 ) dispute them on the website, 2 ) shut off the card, or 3 ) close the account, since these options are unavailable and he can not even reach Bank of America by telephone. This is an absurd and unreasonable position. The charges continued running up nonstop with no end in sight. I was ultimately forced to take the action of sending a letter via the Postal Service.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, IA  XXXX Account # XXXX Dear Sir/Ma'am, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : ( XXXX, XXXX ( XXXX, XXXX ( XXXX ( XXXX, XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than XXXX days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California and XXXX XX/XX/XXXX XXXX Cc : XXXX XXXX States Attorney General
Consumer complaint received 2022-04-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (OH)

I am unsure when this happened, the original debt, but I found out through XXXX XXXX recently not through anybody. 

I asked them to remove it as I got no notification from the hospital or IC SYSTEM INC. 

This was a debt that was suppose taken care of with Medicare as well. So this should never have been to collections, the hospital must have side stepped that.
Consumer complaint received 2022-04-19
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. (NY)

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. 
XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # 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 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: EQUIFAX, INC. (MS)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B