davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2019-12-18
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. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2021-09-07
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. (MO)

XXXX XXXX is allowing everyone unfettered access to pwrsonal data they had no right toever collect. then they act like the XXXX, demand decades of data-to remove data, which they then claim is accurate ( never volunteer data ).

it takes an act of congress to get them to remove anything and then they rinse, wash, repeat. credit lines are demanding access, but nexus is not a legitimate cra. i have been denied two cards, etc on this basis alone.
Consumer complaint received 2022-12-27
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. (UT)

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 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section stats : 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 2020-06-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (IL)

They lie. Trying to refinance and they called harassing promising over and over we would get cash back and not pay upfront if we refinance. If there calls are recorded they literally promised go back and listen to calls. Then day of closing they say we owed to close and also had names wrong on closing documents after I brought it up in the beginning and they promised on the final documents they would be corrected. Now they are correcting and keep saying each week we will sign the new documents and promising to call and dont answer or call. Then they said maybe we will pay at closing after promising again we wont pay this time around again. Still waiting to close on refinance and keep getting pushed months and months further
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WI)

I have disputed XXXX XXXX XXXX XXXX XXXX with Experian several times each time Experian has changed the account status both creditors have been reporting under XXXX XX/XX/XXXX which does not exist I have told Experian several times XXXX XXXX XXXX was never my address and Experian refuses to remove the address and any creditor that is reporting under that address both creditors we're reporting under a bankruptcy a few months ago the bankruptcy was removed and Experian did not remove the creditors reporting under the bankruptcy they changed both account statuses XXXX XXXX XXXX XXXX XXXX have always report under XXXXXX/XX/XXXX and Experian has always refused to remove any address that does not belong to me
Consumer complaint received 2018-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AZ)

In XX/XX/XXXX, we paid Chase Mortgage {$100.00} ( item 2 ) from our savings account to recast our existing 30 year mortgage. We did this at the branch with our banker XXXX, ( item 2 ).  XXXX was on the phone directly with XXXX from the recast department. XXXX confirmed receipt of the funds and emailed a document to XXXX outlining our new payment amount and start date, ( item 3 ). It does state on that document that a letter asking for a recast is required. XXXX, our banker asked XXXX at the recast dept if the letter was still required as the funds were received and we verbally asked for the recast. XXXX 's response was that no letter was needed and that she would open the work order for the recast and that the new payment was to start XX/XX/XXXX per item 3. At the end of XX/XX/XXXX, we received item # 4 informing us that our mortgage payments were not paid in full and that our credit would be impacted if funds were not paid in full. We contacted XXXX our banker and met with her to iron this issue out. After 2 hours talking with 5 different people at the recast department repeating the issue with each we were told that XXXX had never opened a work order and that only now was one being opened and that it was being done too late to allow for the recast to apply to the XX/XX/XXXX payment. In other words XX/XX/XXXX would have to be paid at the old amount ( without recast ). We are not dealing with an XXXX XXXX at XXXX who is attempting to help us but her hands are apparently tied. From item 5 you can see that we paid them the money that we did not owe to avoid their threat to impact our credit. 

So in essence, Chase bank has used our {$100000.00} and loaned it at interest while still charging us the full interest amount on our mortgage for going on 5 months. My wife and I did everything we were supposed to do except send the letter requesting the recast that was to start the work order. We did not do that, XXXX in the recast dept stated that she would open the work order and no written request is needed. That statement was witnesses by our banker XXXX. 

I can not understand why a recast should take two months to begin with, why the bank can use your funds while still charging you full interest on your mortgage. We were told that was " Policy '', and I saw it as a revenue generation process rather than a actual " Policy ''. 

We want our interest payments back for all months after XX/XX/XXXX ( XXXX, XXXX, and soon XXXX ). A letter of apology would be nice as well as the interest from XX/XX/XXXX. Can not think of a single reason why, in the age of computerized banking, that a payment can not be processed with a weeks time.
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

EXPERIAN REFUSES TO VALIDATE AND VERIFY THE ACCURACY OF AN ACCOUNT ON MY REPORT! THEY AREN'T EVEN PROPERLY INVESTIGATING THE MATTER! 

PER 15 USC 1681 CREDIT BUREAUS HAVE A GRAVE RESPONSIBILITY of the following : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I WANT THEM TO STOP REPORTING THE XXXX XXXX ACCOUNT AS CLOSED WHEN IN FACT IT IS OPENED! I HAVE A LETTER FROM XXXX XXXX  THAT THE BUREAU REFUSES TO HONOR. 

REPORT THIS ACCOUNT AS OPENED IMMEDIATELY!
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

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 U.S.C 1681. ACCT Name : XXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX 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 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I logged into my Bank of America credit card account online this evening and saw that my account was flagged as overdue and I was charged a {$25.00} late fee. My checking account is linked and autopay was set to pay the minimum balance every month on the due date, which was XX/XX/2021. I immediately made a manual payment today, XX/XX/2021 and called customer service for help in resolving this issue. I asked why the autopayment was not made and I also asked for the late fee to be removed since it was not my fault that the payment was late and I have never been late before. The representative was unable to help me resolve the autopayment issue and he said that my late fee could not be removed and there was no way to appeal the decision. I find this unacceptable and feel that I should not be paying for their error.
Consumer complaint received 2020-03-05
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: EQUIFAX, INC. (IN)

I have contacted XXXX  ( inquiry XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX ). I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.
Consumer complaint received 2020-01-09
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: JPMORGAN CHASE & CO. (GA)

I noticed there were fraudulent accounts being reported to my credit report earlier in 2019. I disputed the accounts and eventually most came off but there are still fraudulent accounts being reported. These accounts need to be removed by law.
Consumer complaint received 2023-02-08
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. (CA)

I have Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status 90 Days Late Past due amount {$360.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$0.00} Unauthorized inquiries XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-05-15
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)

This complaint shall be considered a follow-up to my previous complaint which contains some disputed items which I believe to be fraudulent and erroneous I want the disputed items to be removed from my file for they do not belong there Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$19000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-27
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. (PA)

I tried to apply for credit and learned that I was denied. After searching many channels to understand the reason for the denial, I learned that my information was leaked through the Equifax data Breach. I am not sure why has happened, and I should not have been denied credit.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I tried to apply for credit and learned that I was denied. After searching many channels to understand the reason for the denial, I learned that my information was leaked through the XXXX data Breach. I am not sure why has happened, and I should not have been denied credit.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NY)

I have been a victim of Identity Theft due to stolen sensitive information from my credit report at Equifax. As per the Court Settlement, I was offered either {$250.00} or 6 years of free credit monitoring services. I contacted Equifax in XX/XX/XXXX about the promised credit monitoring. The lady assured me that they had my choice on file and that starting in XX/XX/XXXX, I would get the promised credit monitoring for 6 years. When I called Equifax numbers in XX/XX/XXXX onwards, I was getting a run-around with automatic answering system and I never got connected to a real person. Now, I am in XX/XX/XXXXand Equifax did not provide me with credit monitoring. 
Please contact Equifax on my behalf and persuade it to honor its commitment. 
Thank you for your help.
Consumer complaint received 2020-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I wanted to pay off my Auto loan so I called XXXX and the Agent from XXXX asked me to use my credit card to pay the partial payment thru the Capital one Credit card so I asked the agent about the charges and other stuff and Agent told me that if you pay your credit card right away once the transection posted in your statement then you will not be charged any extra so I used my credit card. After call with XXXX, I called the Capital one just to make sure they don't charge any thing extra and they I knew that they charge 3 % transection fees. So I told them please stop the transection but they told me that they cant do that. so I called the XXXX they also told me the same thing. Then I again called the Capital one and asked for help so they told me don't worry for now, wait because if didn't go through it then you didn't need to worry. meanwhile I found that my cash advance limit is only {$150.00} so I thought that it will go through. but after 3 days it wend through and Capital one charged me {$120.00} ( XX/XX/2019 ). So I called again and explained everything about the situation and also explained about my cash advance limit ( {$150.00} ) and asked the agent how that is possible to give me {$4200.00} ( XX/XX/2019 ) cash advance even my limit is only {$150.00}. he said I cant do anything. I wasted almost 2 to 3 days behind that but nothing worked out. I feel being cheated as it shows clearly in my account that my cash advance limit is {$150.00}. please help me as they don't care much about their customer even I was with capital one with last 5 years. I felt helpless & so writing here about it. please help me. I would appreciate your help. thank you, XXXX
Consumer complaint received 2022-12-27
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (UT)

This is to notify PennyMac as well as XXXX that there is collusion between builder, title company, coordinated with legal. We received an auction notice contact the contact and he said that the second XXXX XXXX had already removed the foreclosure. It was a lie. There is a picture of one of the auction notices and contact info of who my wife talked to. 

We have been working through a loan remodification with PennyMac. ( Very helpful ) we had just made our first trial payment. We then received a notice for auction from a lawyer concerning our home. My wife contacted the individual on the notice and left a message. He called her back and she explained we were working with PennyMac on our first. He said that XXXX was the second but that they had already withdrawn their notice for auction. I spoke with PennyMac they said they had never received anything on or attempted a sale date. They said to ignore those complaints. We one the next month and agai I called. They said they had not received anything and not to worry. Then we got an eviction notice in the first of XXXX and now we have received a summons. Due in three days. We are currently in good standing with PennyMac and our modification as they were the first.
Consumer complaint received 2021-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

To Whom it may concern : I submitted two dispute letters certified mail acting in good faith, showing delivered on XX/XX/XXXX and another one on XX/XX/XXXX. I disputed this account and the inaccuracy of this fraudulent account on my credit report. I asked Macys for my verified signature and how they validated this fraudulent account and all the corresponding information. They have failed to provide me the requested information. I never opened an account, I didnt authorize this to be on my report. This is a fraudulent account. I asked them to investigate this account and to delete immediately from my credit report. It's been over 45 days with no results. I also uploaded documents of my police report from XXXX and drivers license confirming my identity. I have been a victim of Identity theft twice in XXXX and XXXX. I did not consent to, authorize nor benefit from the following account. Please block and remove from my credit report. They have violated multiple laws and they responded in black and white responding to my letter stating I still owe them the undisputed debt when I have disputed the inaccuracy and the entire fraudulent account and I am on record stating this account is not mines. Yet and still they respond with a blatant violation. I would like for this to be resolved immediately. Please see attached a copy of all of my supporting documents. This is very Frustrating.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or a list of inquiries : 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.