davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I closed on my PennyMac refinance loan XXXX XXXX, XXXX. Loan # XXXX However on or about XX/XX/XXXX, I began to get numerous phone calls from different mortgage companies asking me about my interest in refinancing my home. Of course, I was very surprise that they got my personal information and knew my intentions with PennyMac. Also the loan with PennyMac was about to close since all the paper work was completed. 
In my conversation with a few of these Mortgage Companies ' representatives, I was told that the credit companies sent out my information. I did call my PennyMac Loan officer who said the same. 
If the purpose of sending out my information to other Mortgage Companies was to generate competition and a fair playing field. This did not happen. My loan was near completion and to work with another company would be like starting all over, which would take additional weeks. 
In my conversation with a representative from XXXX XXXX Mortgage and verified by the papers I got from XXXX XXXX stated that a high credit score should generate lower interest rate. Also I was informed that PennyMac Retail renders higher cost and interest vs. Broker Division. My XXXX XXXX is in the XXXX 's and the interest on my loan is 6.5 %. 
It seems to me that I paid higher interest given my excellent credit rating. 
My reason for bringing this to your attention is to seek a redress of my interest rate.
Consumer complaint received 2020-02-27
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)

Hello I'm trying to move and there is an item on my credit that is not mine. Can you remove XXXX  and some inquiries thats not mine either XXXX/XXXX  XXXX/XXXX  XXXX   XXXX CA XXXX  XXXX XXXX XXXX XXXX XXXX. I have contacted my local police and the FTC. I am doing this own my own behalf.
Consumer complaint received 2020-02-27
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)

Hello I'm trying to move and there is an item on my credit that is not mine. Can you remove XXXX  and some inquiries thats not mine either XXXX/XXXX  XXXX/XXXX  XXXX   XXXX  CA XXXX  XXXX XXXX XXXX XXXX XXXX. I have contacted my local police and the FTC. I am doing this own my own behalf.
Consumer complaint received 2019-12-04
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. (NC)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On multiple occasions I have submitted my paid in full letter from XXXX XXXX and yet each credit reporting agency refuses to change the balance due. They are purposely hindering my credit in what I can only assume is a targeted attack on my person and my ability to provide housing for my family. They have provided zero reasoning into why they refuse to make the change.
Consumer complaint received 2020-02-27
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. (IL)

I contacted Transunion to let them know I was a victim of their inquiry issue and they were unable to help me on the following inquiries. 

XXXX/XXXX  XXXX  XXXX XXXX/TXXXX XXXX XXXX XXXX XXXX XXXX, I XXXX XXXX
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (DE)

Last XXXX I contacted Equifax in writing about a concern I have seen on my credit report when I try pulling my credit report. The concern was that I didn't seen any report from Equifax. So that's when I contacted Equifax in writing about my concerns and in return Equifax reply back to me by mail ask for more information. I send back a copy of the letter and the information they ask for, and since then I been recieving the same letter several times and also since then I been calling and resendingtthe same information. Last letter I received was XX/XX/XXXX and I send in a other copy of the same information and to this day XXXX haven't seen any change to my credit report from Equifax.
Consumer complaint received 2019-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

To Whom It May Concern, I am writing to report the closing of my Citibank XXXX XXXX Advantage credit card account. The basis for closing was that my credit union rejected the payment request by Citibank. My credit union denied the payment because Citibank listed my wife as the primary card holder when in fact she was an authorized user. I attemped a {$1000.00} online payment to my Citibank credit card on XXXX, 2019, which was rejected. My credit union checking account does not include my wife on the account and therefore rejected the request by Citibank. I contacted my credit union and was informed what occured. I was told to have Citibank correct the card holder information. Once corrected, the credit union could process future payment requests. I tried to resolve the issue with multiple Citibank phone representatives who could also see that my other Citibank Thank you card which was linked to the same checking account was paid on the same day without a problem. I explained what my credit union had told me was the reason for the payment rejection. I was told that they could not reopen my account because that was Citibank policy. They were all sympathetic to my situation as they could see that the rejection was not based on insufficient funds. I explained to them that this unilateral action by Citibank was unfair because I had no liablity in the situation. My credit report score has dropped since my available credit has been reduced. The two financial institutions were not communicating and I was punished by having my credit card account closed. As a consumer, I believe that my rights were violated because I was denied any due process to resolve this issue before my account was closed. I do not believe the facts support a basis for closing my account. Therefore, I am writing to CFPB for assistance in having my account reopened.
Consumer complaint received 2020-02-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I previously filed a complaint and am refiling because my complaint was closed because it is outside of 60 days. This is absolutely ridiculous. This is NOT a billing error and the 60 days does not apply. My complaint is about charges totaling {$14000.00} paid to for services that were misrepresented and not provided as sold. These companies misled and defrauded me. They will not return my calls and Capital One not doesn't care. They won't even read my complaint. 60 Days is for billing errors and does not apply.
Consumer complaint received 2023-03-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC. (FL)

Santander Consumer USA keeps adding bad results to my report. I have asked them to validate account with original signatures and or signed papers and they still have not done so. As a consumer they violated not being able to proof it therefore Im demanding them to delete this account off my credit report like yesterday
Consumer complaint received 2019-12-04
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. (CA)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Reporting information on my report that is already paid and was to be deleted. 
This is a violation of my privacy and unfair The credit reporting agency can not report anything without my written consent This XXXX account # XXXX O balance was paid off and was told by a representative that it would be deleted once paid. I feel miss lead
Consumer complaint received 2020-02-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Patenaude & Felix A Professional Corporation (CA)

This debt collector contacted me claiming a false debt that does not belong to me. I sent them a cease and desist letter. They violated the cease and desist letter and continued to contact me without any regard of the law. They then sued me without serving me and are attempting to obtain a default judgement in a deceptive manner since I was not notified of the lawsuit.
Consumer complaint received 2022-09-13
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 — Problem with personal statement of dispute
Company: CORELOGIC INC (PA)

sometime in early XXXX, I cancelled my XXXX XXXX car insurance policy and had an outstanding balance of {$85.00} that I didn't know about. When I took care of the bill ( when I finally found out about it ) it had gone to collections despite there being no efforts to contact me directly. The bill reflects paid in XX/XX/XXXX and was reported to the credit bureau in XX/XX/XXXX. 

Fast forward to this past month XX/XX/XXXX, and I am in the process of opening a business and applying for an XXXX loan. despite my credit score on XXXX, XXXX, and XXXX being in the mid-high XXXX, the company the bank used to pull credit reports pulled my credit as over XXXX points lower, the lowest being a XXXX and thus denied me the loan based upon this {$85.00} bill that's been paid for almost 2 years that I had no idea even was an issue. I've had my credit pulled numerous times and never had this issue, so for some reason this company that the bank used, Credco, was able to interpret the same credit information as XXXX points lower than all the other credit reporting agencies. despite the bill being paid almost 2 years ago, and having a very healthy credit and work history, the XXXX denied me a loan based on this one credit pull based on this report from Credco.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to express my grave concerns regarding the accuracy of the information contained in my credit report, as maintained by your agency. Pursuant to 15 U.S. Code 1681e ( b ), credit reporting agencies are legally obligated to ensure the accuracy of consumer credit reports. However, despite repeated attempts to rectify wrong and deleted accounts in my credit report, I am deeply disappointed by the failures of your agency in fulfilling this obligation. 

I have diligently pursued the correction of wrong information by providing documented evidence to support the necessary corrections. Despite my efforts, the credit bureausEquifax, XXXX, and XXXX persistently failed to take appropriate action. This flagrant disregard for accuracy not only undermines the credibility of the credit reporting system but also directly harms consumers by impeding their access to credit and financial opportunities. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) ( A ), credit reporting agencies are required to conduct reasonable investigations upon receiving disputes regarding the accuracy of information in a consumer 's credit report. However, the investigations conducted by your agency have been grossly inadequate. Instead of diligently investigating and rectifying the inaccuracies as mandated by law, the credit bureaus have routinely dismissed valid disputes without conducting thorough investigations, thereby perpetuating erroneous information on my credit report. 

I hereby demand the immediate removal of the following inaccurate items from my credit report : 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 expect prompt action to rectify these inaccuracies and ensure the integrity of my credit report.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2019-12-04
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. (CA)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.
Consumer complaint received 2019-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

I am dealing with an estate situation, the servicer is not working with third party authorized due to pending litigation.

There is no litigation, there is no attorney, they are holding our loan resolution hostage by not cooperating with our third party. the communication is lackluster, we are forced to deal with the banks attorney and its not easy, they don't get back to you fast. We have tried to get the file out of litigation, they can not provide us with an attorney name ... an attorney who is supposedly representing us, so that we can't even fire a fictitious attorney ... ... when we call directly they will not furnish us with any information.
Consumer complaint received 2023-03-08
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (TN)

I'm trying to sell my condo in XXXX by using the VA assumption process to the buyer. The loan is currently with Freedom Mortgage We sent in the paperwork on XXXX/XXXX/2023 and I called to verify they received it the following day. They reached out to the buyer and confirmed an appointment to begin the process on XX/XX/2023 at XXXXXXXX XXXX XXXXXXXX, they never called them. I called Freedom Mortgage and spent nearly an hour on the phone trying to escalate to whoever could reach out to them with no luck. Evidently there is no phone number to reach the Loan Assumption Department and they can only receive e-mails. 
They said they'd call within 1-2 business days and a supervisor would reach out to me as well. They didn't call the buyer yesterday or myself. This delay is potentially destroying the contract that we have with this couple which XXXX result in me being unable to continue paying the {$2600.00} mortgage for a home that I haven't lived in for over a year.
Consumer complaint received 2022-09-13
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: EQUIFAX, INC. (IL)

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account listed as XXXX and an account for XXXX XXXX.This has caused me tremendous XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-04
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: CITIBANK, N.A. (CT)

This is a complaint about the Home Depot credit card issued by Citi. I opened the card because of the promotion to get {$25.00} during the first purchase. I was not able to use it during the first purchase because.I have not received the card. When I used it after the second purchase, there was no {$25.00} credit. I called right away, and as in many instances afterward, was promised that the credit will be within the next one or two billing cycles. The time frame for this is XX/XX/XXXX-XX/XX/2019. I had at least ten interactions with Citi and one with Home Depot. Some of the interaction was in writing. I paid everything above {$25.00} and every monthly statement all the fees were reversed with a promise that {$25.00} will appear soon. Suddenly come XXXX, the representatives starting to say that I was not eligible for {$25.00} because my purchase was made more than a month after opening the card. I did not know about this restriction, and if the representatives were to tell me that right away, I would just return the merchandise. When I requested in writing copies of notes from my account, I was denied. So my complaint is that I was repeatedly promised credit for 3 months and later was denied of it ; and that Citi refused to share account notes despite a written request.