davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-20
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. (FL)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-07-05
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (MA)

My loan was transferred from XXXX XXXX to NewRez LLC d/b/a Shellpoint Mortgage Servicing approximately a year ago. An assignment from XXXX XXXX to NewRez still has not been recorded ( I called XXXX XXXX and they said NewRez has to provide the assignment ). I have reached out to NewRez several times and have repeatedly been told they are unable to help me. This is affecting the title to my property and I don't know how to get it resolved. I am unable to payoff my mortgage or sell my home until the assignment is recorded. Any assistance would be greatly appreciated. 
Thank you
Consumer complaint received 2023-07-19
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. (OH)

I was looking over my credit report and seen that theres some unauthorized accounts on my report that i am unaware about and I would like them to be removed as soon as possible, according to the FCRA these unverified and unauthorized items must be removed 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 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-12-12
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. (CT)

XXXX XXXX XXXX reported {$650000.00} XXXX XXXX and XXXX XXXX dollars in student loans under my name. Some of these loans were transferred from the old servicer XXXX XXXX XXXX XXXX ) to XXXX XXXX. The resulting reporting dropped my credit score XXXX points. I am disputing the accounts and " reported inaccurately '' and " monthly payment obligation on account incorrect. '' The accounts should be listed " Account in Dispute '' and a remark should be placed on each student loan listed as XXXX XXXX.
Consumer complaint received 2023-07-05
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. (AR)

I am sending my CFPB Complaint to inform you that time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items and help me delete I am concerned of : 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 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (MO)

Received a letter from Comenity Bank stating the following : Please call us to finish processing your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, we want to thank you for your recent application to open an account. 
We need to hear from you within 14 days to complete the application process. We're pleased you'd like to join the XXXX XXXX 's XXXX XXXX credit card account family.... 
Again, we appreciate your interest in opening an account with us, and please accept our apologies for any inconvenience for this process. We look forward to talking with you. 

We have NEVER applied for a credit card with this company or with this bank. I pulled my annual credit reports, and it does show soft inquiries on my social security number but NO hard inquiries. 

This is very deceptive and misleading.
Consumer complaint received 2023-07-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (ID)

We requested a payoff statement from United Wholesale Mortage in XXXX. Multiple versions were completed to account for a large payment made on XX/XX/2023, after multiple phone calls to credit the payment correctly. The principal payment was placed in suspense and not applied to the principal as required by law and our agreement. Two supervisors from UWM told me that making a large principal payment will not reduce the interest payments, so I did not need to worry about when the principal payment was applied. My mortgage broker was also on the line when one of these false statements was made. 

On XX/XX/2023, we received a payoff statement with the large payment applied correctly, but the balance of our temporary buydown suspense was not applied as required in our agreement. I called UWM and notified them of the error on XX/XX/2023, and was told a correct payoff statement would be sent by XX/XX/2023. On XX/XX/2023, I called UWM again and informed them we have not received a correct payoff statement and was told it should have been completed and would be completed on XX/XX/2023. We have still not received a correct payoff statement. 

The UWM supervisor I spoke to on XX/XX/2023, stated we would have to call and make an additional request from the special products group to receive a correct final payoff statement before we close on our refinancing. We should not have to make multiple phone calls and wait weeks to have a correct payoff statement for refinancing. UWM continually makes mistakes that benefit UWM including false payoff amounts and attempting to hold a large principal payment in suspense.
Consumer complaint received 2023-07-05
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. (MT)

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. ACCOUNT Name : XXXX XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX and XXXX XXXX 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 an 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 2024-05-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: OKCoin USA Inc. (IL)

I have been going back and forth numerous times with OkCoin 's support team and they are refusing to relay what my concern is. ( 1 ) I want to close my account and they are claiming that I can not internally transfer my remaining balance as I am a US user. They said this is due to their merger with XXXX. They don't have this mentioned anywhere on their site, absolutely no further information, and something is wrong, and ( 2 ) as I want to close my account, they are not providing options to do so aside from depositing more money in order to meet their minimum withdrawal amounts. OkCoin, clarify the shady US transfer terms and lift the minimum so I can transfer and liquidate my account. Minimums do not make sense in this case and I'm not clear why you have minimums when I'm willing to pay gas fees.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (PA)

Unable to open a bank account with PNC, even though I was a longstanding member of said institution. Please, I would like to open an account and believe I am entitled to. I tried to open an account but was flagged due to XXXX XXXX XXXX I spoke to representatives of XXXX  and PNC and was informed that I would not be able to open a bank account for a reason unbeknownst to me. I am no longer able to have an account at any institution and believe I am entitled to at least XXXX. Please reach out and help me get this resolved. Consumer # : XXXX
Consumer complaint received 2023-07-14
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. (FL)

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 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 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Corp Solutions Inc. (CA)

Upon checking my credit report I noticed XXXX added a new collection to my credit report by collection agency credit corp solutions account number : ( XXXX ) but this account was charged off with original creditor XXXX XXXX XXXX XXXX XXXX XX/XX/2023 account considered 1099c cancelled debt to be filed on taxes my credit report even show I owe {$0.00} balance for this account. Several months later down the road the collection agency XXXXorp solutions attempts to collect on a 1099c cancelled debt account and reporting this as a duplicate account because its already being reported on my credit report by XXXX XXXXXXXX XXXX XXXX XXXX account number : ( XXXX ) please remove duplicate accounts this is not lawful thank you!
Consumer complaint received 2018-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

I received a mortgage through Cit bank in XX/XX/XXXX. At the time of getting my mortgage, I provided insurance information for both the condo building coverages as well as my own private insurance. In XXXX, they transferred my loan to " XXXX XXXX XXXX '' servicing center. 

Without notifying me or getting my consent, XXXX then decided in XXXX to start applying a " Hazard Insurance '' to my mortgage. I already have insurance, and Cit bank should have transferred this information to them when my loan was transferred. This is appalling behavior and should be illegal. 

I called in to addrese this on XX/XX/XXXX and spoke with XXXX, ID XXXX. She told me I had to call their " Hazard Insurance Department '' and then hung up on me. I have tried calling Hazard Insurance and their phone wait times are over one hour.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

XXXX XXXX - INQUIRY DATE - XX/XX/2022 - CALLED, NOT SURE WHY THIS IS HERE. 

XXXX - INQUIRY DATE - XX/XX/2022 - XXXX DONT KNOW WHAT THIS IS, DIDNT DO XXXX  - INQUIRY DATE - XX/XX/2022 - XXXX DONT KNOW WHAT THIS IS, DIDNT DO XXXX XXXX  INQUIRY DATE - XX/XX/XXXX, XXXX I DONT KNOW WHAT THIS IS, DIDNT DO
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX  Date of inquiry : XX/XX/20XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Date of inquiry : XX/XX/2021 XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-12-12
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: BARCLAYS BANK DELAWARE (NJ)

Double payments were made to the credit card account ( credit card issuer is Barclays US which manages the GAP Rewards card ). Subsequently one of the payments was stopped at the Bank. However, the credit card company is still carrying the balance as unpaid when there are no balances to be paid.

1. Date of double payment - XXXX XX/XX/2022 amount paid were {$8800.00} and {$9000.00}. 
Balance on the account went into refund position due to above ( {$8600.00} ) 2. Reported double payment to Credit card company on XXXX XX/XX/2022- they were unable to reverse one of the payments as it was done online through the web portal. Was advised to ask the concerned payment Bank ( XXXX ) to stop the amount. 

3. Spoke to the XXXXXXXX XXXX concerning the double payment and asked for the XXXX to be stopped. XXXXXXXX XXXX stopped the XXXX - reversing the payment amount of {$8800.00} on XXXX XX/XX/2022. 

4. the management of the credit card was transferred from XXXXXXXX XXXX to Barclays bank by GAP management adding to the confusion as it appears the customer balances were not properly carried over from XXXX to Barclays XXXX 

5. Reported immediately in XXXX / XXXX / XXXX XXXX through multiple calls to Barclays credit card team the issues and a payment case ( XXXX ) / consumer complaint case ( XXXX ) was generated. I explained the entire issue how they are missing the refundable balance from the XXXX XXXX when the account was trasnferred from XXXX to Barclays causing the entire mismatch. 

6. Barclays Bank disregards all the explanations and hasnt resolved the payment case till now but moves the account to Debt Collection.

7. I have recieved multiple debt collection calls harrowing for payment since XXXX despite no balance due to paid. 

8. This debt collection has impacted my credit history and my credibility with my lenders- infact this has led to a higher interest rates on my new mortgage i had taken in XXXX besides causing ireparable XXXX  agony and harm. Still the problem has not been resolved. Consumer is holding the bucket here for something which he doesnt have any control - account transfer between Banks on taking over of the relationship and issuing of new credit cards.
Consumer complaint received 2023-05-21
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. (MA)

I'v contact the credit reporting companies several to remove the illegal information, being reported to my credit accounts on the sites, because of them violating my right under the USC laws , and nothing has happen.
Consumer complaint received 2023-02-27
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)

Hello in accordance with the Fair Credit Reporting act my rights have been violated! 15 USC 1681 section 602 and 604 states that a conumer reporting agency can not furnish an account with my written consent or instructions! PLEASE Delete the following inquires : 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 2023-07-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (NC)

Comenity bank calls everyday including weekends and several times a day and says it's urgent I call them today and settle a debt with another credit company. I have never heard of either company and I don't owe them anything. They have never mailed me anything. The only information they have is my phone number and my past last name ( XXXX ). I've been remarried since 2018
Consumer complaint received 2023-07-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (PA)

The Home Depot XXXX XXXX asked me to pre-approve for a credit card I was turn Down And it's hard inquiry been on my report ever since last year.
Consumer complaint received 2023-07-26
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: LEXISNEXIS (AZ)

XXXX  CREDIT OPTICS SCORE
LEXISNEXIS RISK VIEW SCORE

CONTINUE TO REPORT OUTDATED/INACCURATE CREDIT SCORE/DATA FROM XXXX XXXX. THEY CONTINUE TO REPORT SCORE XXXX AND MY SCORE IS A XXXX! I HAVE BEEN TRYING TO GET THEM TO USE UPDATED CREDIT SCORE! I CONTINUE TO BE DECLINED FOR CREDIT AND GET THE SAME EMAIL RESPONSE FROM CREDITORS WITH THE ABOVE INFORMATION.

I ALSO HAVE BEEN TRYING TO FIND A WAY TO OPT OUT OF THEIR REPORT TO NO AVAIL. YOU CAN NOT ACCESS THEIR LINK: XXXX

THEY HAVE TO SEND LINK.

THIS COMPANY IS A PROBLEM. I WANT TO OPT OUT OF THEIR REPORTS BEING USED TO EVALUATE MY CREDIT WORTHINESS. THEY ARE DAMAGING MY CREDIT.