davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

The name XXXX XXXX XXXX is being reported as a name on my Equifax consumer report. This name is incorrect and does not correctly Identify me as a consumer I would like this name removed immediately and I would like for solely the name XXXX XXXX my Equifax consumer report The address XXXX XXXX XXXX XXXX XXXX XXXX is present on my Equifax XXXX report. I have never lived here and this is a non-mailable address. I can not be contacted or reached at this address. I would like it removed immediately. 


XXXX is present as a Social Security number for me on my Equifax consumer report. This is incorrect. I would like this entry to be removed immediately and nothing to be shown in the field of Social Security number or my Equifax consumer report. 

The date of birth XX/XX/year> is present on my Equifax consumer report, this date of birth is not correct, and I would like for it to be removed immediately. I would like for no data to be present in the data of birth field on my Equifax consumer report.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (RI)

I recently paid a loan in full to XXXX and will attach supporting documentation. I have filed two disputes with Experian, have spoken to XXXX, resent the letters that XXXX sent stating that the loan was repaid in full. However, XXXX has not sent the proper information to Experian to remove this loan.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

PAYMENT STATUS AND HISTORY IS NOT ACCURATE. THIS IS A VIOLATION OF MY RIGHTS UNDER THE FCRA. IN ADDITION ; THERE ARE TWO DIFFERENT COMPANIES LISTED. THIS IS ALSO INACCURATE REPORTING AND A VIOLATION OF THE FRCA.
Consumer complaint received 2020-04-09
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: BARCLAYS BANK DELAWARE (UT)

On XX/XX/2020 I completed an XXXX XXXX XXXX  application for the XXXX XXXX XXXX XXXX XXXX through Barclays Bank Delaware. The application that I signed indicated in writing that the {$100.00} annual fee would be waived for the first year. 

After I was approved for the credit card and was checking my balance, I noticed that my account had been charged a {$99.00} annual fee on XX/XX/2020. 

I have called the credit card company twice and they refuse to honor the agreement to waive the annual fee for the first year, because I don't have a copy of the credit card application.
Consumer complaint received 2020-04-09
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)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with identity IQ to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DEPTEDXXXX  XXXX {$4000.00}
Consumer complaint received 2020-04-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Collection Management. Inc (IN)

I just revived a notice about a debt and I asked if I could question the debt and was told no you have to pay it. I dont believe this is a real debt and they just keep saying its from XXXX apartments but I have received nothing from them.
Consumer complaint received 2020-04-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (VA)

I have increased expenses from the COVID pandemic and wanted to apply for a temporary mortgage deferment as allowed after passage of the CARES Act. Quicken Loans is my servicer but XXXX XXXX owns my mortgage. Quicken 's website asked a series of questions then told me I am approved for a 3 month forbearance, however I would need to make a huge lump sum payment after the 3 months or go into foreclosure. Here is the language of their proposed mortgage forbearance : " At the end of your plan, youll have the option to extend your forbearance. This may be right for you if you need more time before resuming payments. 

If you extend your forbearance, youll still need to bring your loan current when your plan ends. That means making all the payments that were paused during forbearance, plus any payments that were past-due before your plan began, if applicable. An extended forbearance means a larger amount youll need to bring current at the end of the plan. '' I believe this is not in line with the CARES Act and do not want to agree to a lump sum payment when there are other options available.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2020-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (DE)

I've had my XXXX XXXX for 10 years and worked my way up to a XXXX credit limit during most of that time. The balance and usage fluctuated all the time when it more recently went up to XXXX. The fees are way high so paid off XXXX by way of balance transfer with another card in XX/XX/2020. Then days later my credit limit with Chase is lowered to XXXX. It really effected my credit score. I've tried 3x to fix this with Chase but they refuse to reinstate it when this was purposefully a way to penalize me. A so called " supervisor '' called me back and when he heard some swear words ( that I was referring to the action taken not at him ) he makes up a lie saying I cursed at him and he hung up on me. They came up with bogus reasons and delinquencies that were never there. I was a few days late here and there in my 10 year history but never delinquent or reported that way to the bureaus. They are standing firm in only running my credit again and penalizing me some more to see if I'm worthy of the same limit but they just lowered it so I'll take a hit twice. I'm baffled and disappointed that they even have these things in place and are doubling down on such a deceptive practice. With the current pandemic going on I really need all my balances available to me should the unforeseen happen and this is when they decide to stick it to a long standing customer? It's absolutely terrible.
Consumer complaint received 2020-01-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I received undated Annual PMI Mortgage Notice to Mortgagor ( copy enclosed ) from my mortgage company Select Portfolio Servicing Inc. and called them whether my PMI can be cancelled. After my call, the company sent letter dated XX/XX/2019 ( copy enclosed ) that my LTOV dropped down to 64.60 %. 

As per annual PMI Notice my PMI should have been cancelled automatically when my loan reached 78 %. The company did not cancell till I submitted complain to CFPB on XX/XX/2019. 

At the same complain I wanted to refund the PMI I paid from the month loan reached 78 % as the PMI was not cancelled automatically. 

The company only cancelled the PMI.
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CT)

According to rep with XXXXXXXX XXXX in bank security dept by the name of XXXX, an amount of {$140.00} was sent to Wells Fargo along with another amount of {$690.00} as part of a fraud claim. I spoke with XXXX on XX/XX/20, was advised of the above, unable to obtain check numbers for payments or reason amount of {$140.00} sent to Wells Fargo and not myself. There is a current CFPB complaint against Wells Fargo regarding the payment amount of {$690.00}, which is being handled by a XXXX in corporate office, unable to reach her by phone, I am providing information regarding additional payment amount of {$140.00} here. It appears both payments sent directly to Wells Fargo and not to a specific account, which was mentioned in prior CFPB complaint and attempted to advise XXXX of today, unable to do so. I've attached XXXX XXXX  letter here showing amount of {$690.00} sent to Wells Fargo, letter dated XXXX. I do not have letter showing amount of {$140.00} sent to Wells Fargo as of yet, however, I believe bank security can do a conference call with Wells Fargo to confirm. Complaints marked as duplicate will be resubmitted to other agencies, request investigated by CFPB
Consumer complaint received 2022-02-24
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means XXXX has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-09
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)

Experian and XXXX  Constantly allow XXXX to add fraudulent acts to my credit. countless times it had to be remove be they allow the company to constantly and illegally add it back on by changing info slightly to the act. 
This is getting XXXX ridiculous now I have no protection and everytime i decide to take my alerts off I get these stupid thing happening again XXXX has allowed numerous inquiries on it. 
please can someone do something about this XXXX  XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal  ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal  ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal  ( XXXX ) XXXX XXXXXXXX  Inquiry : XXXX XXXX, XXXX + Utilities and Fuel  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal  ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal  ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal  ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal  ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2020-04-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

The bank closed my account for no reason and never notified me I went to get grocery and my card declined ... every day I call its a new excuse they say we closed your account today theyve said this every day for 2 weeks and keep in mind I still wasnt sent a letter or email about the closing of my account I found out by going to the bank
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

It is my understanding that one late student loan payment can drop your credit score almost 100 points. I had 17 late payments on my two loans, that were errors acknowledged by XXXX. 

On or around XX/XX/XXXX, XXXX submitted a correction to the CRA 's to update my accounts. The following late payments were removed and to be marked as current : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX from each loan. That equals the removal of 16 late payments ; which appear to be reflected on my accounts with each bureau. 

However, my score has not changed at all? My payment history % has improved significantly ... .but my score has not. 

I was expecting to see some increase in my score and was hoping you could provide an explanation as to why there was no change. 

Thank You, XXXX XXXX
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Yesterday XX/XX/XXXX I called Capital One to inform them of hardship due to covid19 and they said they would make my monthly payment XXXX  and extend my payment date. Instead they suspended my card and did not extend my payment date. I called the same day around XXXX and talked to a supervisor who refused help me until I threatened to make a formal complaint. She then placed me on a 5-minute hold and returned to the call and said she apologizes and that she found out that the previous representative did not put in the hardship and that she was making my monthly payment to XXXX and extending my payment date. She told me that my car would become active and that it should be active almost immediately. An hour later I check my online account and my car was still not active and my payment wands still not set to XXXX. I decided to wait until the next day to check it. On the XXXX of XXXX the card was still not active and my payment amount still was not set to XXXX for the month nor any extension applied. I called in and the rep refused to help me as I told her that I was recording the line per MI 750.539c wiretapping law. She said she could not continue on a recorded line and so I asked her to suspend her recorded line. She stated that she could not and after checking with her supervisor hung up on me. I told her prior to that that I would drive to Indiana ( 13 miles south ) and record her without her consent as Indiana is not a two party consent state.
Consumer complaint received 2020-04-09
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Consumer complaint received 2020-04-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (FL)

On or about XX/XX/20, I was referred to a Guaranteed Rate Loan Officer as we were interested in refinancing and we specifically  stated that our main interest was to lower the mortgage interest rate, the mortgage payment, and to get rid of the mortgage insurance. We were informed that a Conventional Loan will help us to do all this so we started the loan application. Based on our credit scores we were informed that the best interest rate for a conventional loan at that time was 3.99 % for a 30 year mortgage. We had a 3.875 % FHA mortgage which was better than what they offered but she informed us that she could manage to lower the mortgage payment. On XX/XX/20, we received preliminary closing fees that will be charged at closing and we noticed that a Discount Points fee was added for {$4900.00}. Then, on XX/XX/20 the 1.5 % of the Loan Amount ( Points ) was reduced to {$3500.00}. During the process of the loan we had several problems with the Loan Processor, that close to the end of the process, I sent an email to the Branch Manager as I was informed by a friend that the mortgage interest rate had gone down, so I decided to send an email to the Branch Manager and she replied to me saying that they couldn't lower the interest rate because of my credit score, but they were still going to be charged 1.5 % in points. At the end, we did not like the way we were treated due to people who refinance are asked to wait because they prioritize Purchase Loans this was said by the Branch Manager in writing via email. As if we the people like us who refinance don't deserve the same attention or treatment. The refinance process is not " free '' as they charge all these fees to include large fees they are not willing to do anything about like when you pay points it is specifically to lower your interest rate. We decided not to refinance and to stay with our mortgage company, everyone should be treated with respect and in a " fair '' manner regardless of what type or mortgage you are applying for Purchase loans over Refinancing loans, and Guaranteed Rate shouldn't give " priority '' to purchase loans as loans should be treated and process in a " fair '' manner. I wouldn't recommend Guaranteed Rate to anyone who is looking to refinance their loan.
Consumer complaint received 2020-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On Sunday Night, my access to USAA was suddenly frozen, I was kindly ask to submit identification documents and I did. On monday in the day I was told everything was restored and I was able to access my accounts again. 

Not even 10 hours later - I am trying to buy groceries for my family, and my access is restricted again. 

I call and get an extremely rude agent who said I cant have my money for 60 days and that theyre closing my account ; and theres nobody I can speak to. 

Ive been a loyal USAA member, no overdraws never missed a credit card or insurance payment. 

Being a physician and working during this COVID-19 crisis I can not be working these long hours and dealing with banking issues at no fault of my own. I also need access to my money.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is now my XXXX attempt to get this matter resolved regarding the XXXX account in my Transunion report. I have always made my payments on time. For some reason, I realized that there was a 30-day late payment on my credit report in XX/XX/2019 and I do not believe I was late on the date they are reporting. I contacted the bureau 2 times now & they claim this information has been verified but they have failed to provide me with any proof which is a clear violation of FCRA Sections 611, 616 & 617. This account should not be showing I was 30 days late since it's a closed account & Ive never been late. Please investigate this matter & provide me with verifiable proof. 

XXXX XXXX
Consumer complaint received 2022-02-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX