davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Their website is broken and they are not responding to requests to fix it. The company has a misconfigured website and I am unable to pay online. Their DNS configuration is wrong and needs to be fixed. I have emailed them several times about this and have had no response. You can see other complaints online about their broken website and it is still not fixed.
Consumer complaint received 2023-01-06
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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
Consumer complaint received 2023-01-06
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)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-22
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. (SC)

Delete the Hard Inquires listed below : 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 2020-04-07
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 — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION (TN)

NAVY FEDERAL HAS PUSHED THIS FILE TO THE XXXX XXXX XXXX WHO HAS KNOW FIRST HAND KNOWLEDGE OF THE THEFT I HAVE REACHED OUT TO THE XXXX XXXX XXXX BUT THEY ONLY SEND PAPERWORK OF BILLS THAT DO NOT BELONG TO ME I AM ABOUT TO FILE IRS FORM XXXX AND REPORT THEM TO THE IRS FOR COMMERCIAL FRAUD.
Consumer complaint received 2022-02-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NJ)

I have contacted Hyundai Motor Finance ( Attention : Care Department XXXX XXXX XXXX XXXX XXXX, CA XXXX ) in order to get my cars title with no success. I wrote them with respect to my XXXX XXXX XXXX XXXX : XXXX and my numerous attempts at receiving a copy of my title. The car was originally a lease, after which, I decided to purchase when the lease ended. My Hyundai account number is XXXX. 

Hyundai said they delivered my title on XX/XX/XXXX to my home address at XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX. However, I never received it. I have made numerous ( failed ) attempts and countless phone calls with customer service and Hyundai Titles Department to no avail. 

Specifically, on XX/XX/XXXX, I sent a request for a duplicate title through the Hyundai Titles Department. Despite sending the mailing to the correct address provided to me by your customer service, the mailing was lost and appeared to have never been received by Hyundai. The tracking for this first request is : XXXX. 

After calling countless times regarding my first request, I was told by a customer service manager to send another request, which I did. The tracking for my second request is XXXX. As youll see, my request was delivered to the front desk of the titles department on XX/XX/XXXX and was received by XXXX. 


I now am speaking to XXXX from Corporate and she said the request for a duplicate title has been rejected! The tracking number for this request is : XXXX. XXXX did not further assist me and I have not received a call back from her. Her direct line is : XXXX. 

As you can imagine, I am at my witts end. I have been dealing with customer service unsuccessfully for three whole months! Now corporate cant even help me! I have not been able to drive my car during this time, and consequently, I am now facing economic hardship due to the lack of customer service support or assistance from Hyundai, as I have not been able to get to work without my vehicle! 

I am beyond frustrated. I have paid for the car in full and have not been able to use my own vehicle. Please contact me at XXXX or email me at XXXX so that we may resolve this matter. 

XXXX XXXX
Consumer complaint received 2022-02-18
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-04-07
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 needing to move out my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to an amount of things on my credit that are not mine. I need those items removed as soon as possible.
Consumer complaint received 2023-01-06
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. (NY)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated 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
Consumer complaint received 2023-01-06
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. (GA)

After checking my credit report, I noticed that there acre accounts showing negatively on my report that are paid and should be in a positive standing. I have disputed this since XX/XX/XXXX and the company has not removed it as well as another account, that I have been disputing since XX/XX/XXXX, with the same company that has been paid but reporting closed and negatively affecting my credit report. I have asked for the late payments to be removed because the account was brought back current and remained that way for the duration on the account.
Consumer complaint received 2020-04-07
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: Experian Information Solutions Inc. (FL)

There is trouble with the Credit Reporting Bureaus [ 3 ] as to running Parallel with the Companies as to Reporting reviews as " AS ACCURATE '' [ fake ] CFPB IS NOW suppose to investigate as an enforcer to Experian on ID XXXX. 
THIS DISCOVERY was made in the House FinanciaXXXX Hearings in XXXX and found to be Guilty. I am a XXXX XXXX and have made over [ 12 ] Complaints of I D Fraud Delinquency 's on [ 4 ] Companies Reporting with no updates? 
They all claim that Experian is to be the authority to write off the Delinquency 's after a " Charge-Off ''. The CR 's are all Corrupt and should be " re-organized '' to serve the Consumer? 
This action has Slandered my Credit from XXXX to XXXX and was denied credit on 3-applications
Consumer complaint received 2020-04-07
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. (FL)

I AM A VICTIM OF IDENTITY THEFT SOMEONE USE MY PERSONAL INFORMATION WITHOUT MY CONSENT AND KNOWLEDGE TO OPEN UP FRAUDULENT ACCOUNTS PLEASE DO NOT OPEN ANY ACCOUNTS WITHOUT CALLING FIRST ( XXXX ) XXXX I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2020-04-07
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)

I AM A VICTIM OF IDENTITY THEFT SOMEONE USE MY PERSONAL INFORMATION WITHOUT MY CONSENT AND KNOWLEDGE TO OPEN UP FRAUDULENT ACCOUNTS PLEASE DO NOT OPEN ANY ACCOUNTS WITHOUT CALLING FIRST ( XXXX ) XXXX I am writing to request and initiate a formal complaint against XXXX   XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2023-05-29
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-04-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TFS FINANCIAL CORPORATION (OH)

On XXXX XXXX I submitted an application for a refinance with XXXX XXXX XXXX and XXXX. It was done at the XXXX XXXX. Everything was discussed by XXXX XXXX, the loan officer. The product that seemed to work best for us was a XXXX Smart rate adjustable 30 yr low cost loan. The rate was locked in at 3.19 % APR for 60 days. 
Our credit was pulled and everything was ready to go. We were told that this product was great because it gave you an 85 % loan to value instead of the traditional 80 %. we decided to move forward. The appraisal was done the very next day. It came in a lot lower than we were expecting but it was still enough for the amount we needed. 
We were a little over the debt to income ratio so we decided to put in a pay off of our XXXX XXXX which was XXXX. We were also paying off the equity line of credit of XXXX. This would have relieved us of XXXX dollars in debt. Thus bringing down the debt ratio as it was explained to us. 
The loan was sent to underwriting on the XXXX of XXXX. On XX/XX/2020 we got an email asking us to be patient. On XX/XX/2020 we received a call telling us the loan was approved but for only XXXX instead of the XXXX. When we asked the loan XXXX, She said our appraisal was too low?? I didn't understand and pressed further for an explanation and was told on XXXX XXXX that the rules on this product changed and the loan to value changed from 85 % to 70 %. they said they were protecting their bank because of the Corona Virus. 
I called the corporate headquarters and asked questions to why we were not as the consumer notified of this. I was told they suspended the product we were offered and we were in the pipeline when this happened and all those loans that had been just sitting in underwriting were denied. I feel this is so unfair. We had all the info in for weeks before the virus. I asked to talk to underwriting or if any other product would work for us and we were told no consumer could be transferred to underwriting. We were not offered any other loan except the one that was offered to us but we would have to bring about XXXX to the closing. 
I asked why I would need that much money at closing and I still don't understand. I am very upset by all of this and Third Federal Savings and Loan was recommended to me by my accountant because he said they cared about their consumers. I don't feel like that is true now. I feel they are looking out for themselves. I received a call from the associate XXXXanager at this branch and basically said there was nothing more that they could do because they were being very protective due to the Covid 19. 
The corporate office also said that no exceptions would be made because then they would have to do it for everybody. I feel the agreement should be honored since this was all started 15 days before the product was suspended, Thank You so much for looking into this matter
Consumer complaint received 2022-02-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (GA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX2022 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX XXXX {$51.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-02-18
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (WI)

Thank you for taking the time to read this. Upon review of my XXXX, XXXX and XXXX credit files I noted 5 payments that are reported as late. I have disputed the late payments already two times and I am sincerely hoping someone there can take a closer look at my file. The payments were, in fact, missed, but prior to me missing the payments, I called every month I was unable to pay and was unable to get through to your company ( XX/XX/XXXX- XX/XX/XXXX ). Out of desperation I joined a debt consolidation company. I was affected by XXXX and tried to get a deferment and couldn't get through and therefore accounts ended up being late. I am hoping you can make the necessary adjustment under the CARES Act. I have been a customer with Chase Bank for both my personal banking and business banking ( XXXX XXXX XXXX ) since XXXX. Over the past few years, I have enjoyed the customer service and financial products you provide and would love to stay a loyal customer. XXXX Account # : XXXX XXXX Account # : XXXX
Consumer complaint received 2022-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc. (FL)

I'm filling this complaint against the following companies XXXX XXXX and Choice Recovery. It all started when I apply for a loan I discovered this fault information reported by this XXXX companies on my credit file. I contacted the company in writing asking for debt validation they ignored my request. I hired a law firm to work on my behalf they also ignored my lawyer request those companies thinks they're above the law. XXXX XXXX and Choice recovery has a history of fraud. I was in a car accident in 2018 my insurance company paid XXXX XXXX  in full for both of my XXXX  XXXX. My lawyer has all the evidence I don't own either of this companies a XXXX. These fraudster 's has damage my credit I plan on seeking legal actions against both of them. I attached all the letters from me and my XXXX that was sent out to the companies and the credit bureaus. 

XXXX ACCOUNT NUMBER XXXX XXXX  XXXX ACCOUNT NUMBER for Choice Recovery
Consumer complaint received 2020-04-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc. (AL)

On XX/XX/2020 the district manager " XXXX " contacted me and I was explaining that I was at work and why I haven't made a payment this month when for no reason got loud with me over the phone in wich I hung up. He repeatedly called my phone over and over from several numbers even found some type of way to make it seem like my employer with the # XXXX witch would never do because of a no phone policy at work. Then someone proceeded to run my credit from the company the same day without my approval. I have all the documents to take legal action if necessary!
Consumer complaint received 2020-04-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (IL)

I opened my account with US Bank on XX/XX/2019 at a physical branch location. When I opened the account, there was an offer XXXX Fall Checking Offer ' in which I should receive {$400.00} as bonus from bank is I get XXXX XXXX as direct deposit within the first 60 days.I received {$4800.00} as direct deposit in the first 60 days. Banker confirmed the offer has been applied and gave me a flier for that. I waited for 2 months to receive bonus from bank account. But even after 2 months, I didn't receive the bonus so I called the bank. Banker said that while opening the account, banker forgot to put the bonus code and due to this bonus has not been received in my account. He will forward the request to manager and they will add the bonus code retroactively. If my account meet the terms and conditions, then I will be given the bonus in a week. It has been 10 days and I have not heard back from US Bank. I tried calling bank again today to check the status, but no one picked the call. 

Reference link : XXXX XXXX XXXX
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (CA)

Barclays bankBARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX DE XXXX has registered my name under a credit card that opened an account on XX/XX/XXXX. That same account was on record as reported on XX/XX/XXXX and was cancelled by Barclays. During this time the credit card account was not activated nor was it confirmed by me. When I called Barclays at ( XXXX ) they verbally confirmed that they had to wrong contact information, and inaccurate email and personal information. This has damaged my credit score and they wrongfully opened an account under my name.