davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
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. (NC)

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly.

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Received a notification from identity monitoring service that a hard inquiry had been made on my credit report for a XXXX XXXX Credit card that I did not authorize. After talking with TransUnion they refused to help and said that despite being fraudulent the hard inquiry was a statement of fact and they would not remove it. I contacted both XXXX XXXX and XXXX XXXX, who issued the inquiry and explained to them that it was also fraudulent and that they need to send a letter of deletion to transunion to have the inquiry removed, but both institutions claimed they could not send them and it had to be done through the credit bureau, who referred me back to XXXX XXXX for a letter of deletion.
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (DE)

Account has been closed in XXXX of XXXX. After looking at my reports it shows late payments in XX/XX/XXXX. If an account is closed and 0 balance in XXXX, how can you reopened an closed account in XX/XX/XXXX.
Consumer complaint received 2019-10-08
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: EQUIFAX, INC. (AZ)

I have contacted this credit reporting agency on several occasions disputing information that they can not validate. I have provided proof that this information is not mine. The representative stated that information is recieved electronically and they only report what is electronically sent not validating information. I have disputed incorrect information for a few years and not getting results. Public records, collections and incorrect addresses have been disputed multiple times but remain reporting without validation.
Consumer complaint received 2019-10-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (NJ)

Signed for a loan through a pet store to replace my wifes deceased dog. Original amount was XXXX. In 8 months I have paid about XXXX dollars on the principal balance. Interest is XXXX percent. If I paid within three months of signing I would have paid the principal plus XXXX dollars and would be charged no interest. Some things happened that didnt allow me to do that so the interest started and so far Ive paid XXXX dollars and sill owe XXXX. Every payment has been made on time.
Consumer complaint received 2019-10-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

After putting a complaint with cfpd I received a call 3 days later. They said they will review it. Week late someone from the pmi dpt called me and left a message and gave me a phone number to call them back. I couldnt get a hold of them after multiple tries. Finally I called their customer service dpt and they told me that their decision stands without explanation. I wasnt even given an option on how far I was to have my pmi removed, an option that would allow me to put money toward my balance so I can have it removed. Again all they care about is to make me pay my pmi as long as they can. Bad business. I will not recommend loan care services to anymore base on the way theyve handled my situation. Theyve cared less
Consumer complaint received 2019-05-25
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. (CA)

In XXXX of 2017 I got sick. I totally spaced out on paying the credit card bill. When I realized it I called, made payment asked about late fee she said she'd wave it. I asked if it would be reported and she said since it was my first time ever late in the 13 months I had the card she'd do goodwill and mark it not to be reported. I continued to make my payments on time for 8 more months and called every month because it HAD shown up on experian 30 days late. After not being able to come to a mutual agreement I paid the card off and requested the account to be closed.
Consumer complaint received 2018-06-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I applied for a mortgage with Wells Fargo which was the preferred lender of the builder through which we are purchasing our new home. I have been told by the agent that the loan should be processed in two weeks from starting the process. I have always been very diligent about providing the required information and documentation. Almost six weeks later the underwater does not want to approve the mortgage because of some 'rules that are at his/her latitude '. I don't even know and haven't been told what the rules are, it could be that the underwriter is simply XXXX  or XXXX. They won't process the loan unless I sell my current residence, although the debt to income ratio is verified during the application and it is below the 43 % limit. The bank is very opaque to why they are asking for this new requirement and is asking us to provide a listing agreement weeks after we submitted them the required documentation. Essentially by dragging the process Wells Fargo is preventing us from purchasing a new home.
Consumer complaint received 2015-12-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC (NY)

The company XXXX XXXX XXXX is trying to collect money for items I never received and never requested. I had filed a claim with the FTC and they told me I was not liable and to write a Cease and Desist lette, which I did. They stopped harassing me until now. I received a request for payment from National Recovery Agency requesting the money. I called them to complain and now am writing to you to protect my excellant credit.
Consumer complaint received 2019-10-08
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: Experian Information Solutions Inc. (MO)

Update XXXX  and XXXX removed. Experian has not removed XXXX XXXX fraudulent account that was opened in my name after numerous disputes. Other 2 credit bureaus have investigated and found the account fraudulent and deleted from my profile after countless disputes and tiresome emails. Ex has been in XXXX so Ive only been able to get limited information. I filed a stolen of police report after failed attempts with XXXX XXXX to remove my name since I was not involved and provided all information to them and yet it took going to the credit bureaus to remove, again however Experian has not and now they have stopped me from submitting further disputes on the issue.
Consumer complaint received 2022-08-16
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. (MI)

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX Original creditor XXXX XXXX XXXXXXXX Balance ; XXXX XXXX BANK XXXX XXXX XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2019-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

In XX/XX/XXXX I got this secured credit card. I had some legal issues and was unable to pay it. Once I got back on my feet In XX/XX/XXXX I called XXXX XXXX to get the account fixed. The person I spoke to said they would delete it from my credit report if I paid. I paid the full amount, I did not try and pay less. Now Its still on my XXXX report a year later and its the only thing thats really impacting my score. I have tried repeatedly to get them to delete it and they refused yet I did what we agreed on the phone. They also kept all money that was used to secure the initial credit line. 

It's also effecting my ability to get other XXXX XXXX cards as I now have a 680-720 credit score ( lower is because of this )
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

The account in dispute is # : XXXX being reported by XXXX XXXX XXXX XXXX reporting to experian and XXXX Date opened was : XX/XX/XXXX Account closed on : XX/XX/XXXX Showing multiple late payments from XX/XX/XXXX - XX/XX/XXXX High balance of {$10000.00} In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-05-25
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. (SC)

On XXXX XX/XX/XXXX I was involved in an automobile accident. I went to the ER of XXXX Hospital located in XXXX XXXX New Jersey. 

OnXX/XX/XXXX I received a notice by a credit monitoring service I had a delinquent notice of {$75.00} placed on my credit report by a company named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ I called XXXX XXXX and was told the {$75.00} was a portion of a bill my insurance company did not cover from my auto accident on XXXX XX/XX/XXXX. I told the rep I never received a bill from the hospital. It appears the bill went straight to collections. The rep told me they had sent a letter in XXXX of XXXX to a previous address I had on file. I moved from that address XXXX of XXXX and notified the post office of my move. I do believe the post office forwarded my mail another 6-12 months after the move. I never received another bill from XXXX Hospital. I told the person on the phone I would dispute the claim of owing any monies toward the ER visit. 

On XXXX XX/XX/XXXX I called XXXX XXXX to inquire more about what department I needed to contact within the XXXX Hospital to find out why I never received a bill and how the bill went straight to collections. The rep said they could not provide me with their clients information. I needed to locate the information on my own.I contacted XXXX Hospital that has been renamed to XXXX Hospital. Because of the length of time since the hospital visit the hospital would not be able to provide me a description of charges. I was given another phone number for XXXX XXXX. 

I called that phone number and was told since I never received the bill they would remove the debt off of my credit report. The rep on the phone said the debt should have never went on my credit report because I never received the notice for the attempt to collect the debt. 

I find XXXX XXXX debt collections questionable.

1. I never received the debt collection letter but the debt still went on my credit report. By the admission of the rep for XXXX XXXX the debt should not have been put on my credit report due to me never receiving the letter notifying me of the debt. 

2. How can XXXX Hospital send a debt to collections without even notifying me of a debt. Then when I try and get a copy of the debt in question XXXX can not provide me with a breakdown of the debt.

3
Consumer complaint received 2019-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

Chase closed my account due to an error where they allowed XXXX XXXX to overcharge me. I paid off the balance as of XX/XX/XXXX. The entire balance was paid in full as per the the phone attendant I spoke with. I asked what the entire balance was and I paid it. 2 months later they are asking for more money. This is ridiculous. This company is a thorn in my side and its non stop.
Consumer complaint received 2019-05-25
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. (MI)

I have repeatedly asked TRANSUNION to provide Method of verification of a public record bankruptcy and accounts included on my credit report. Ive mailed them several copies of a letter from the Michigan us bankruptcy court stating that they do not report to credit bureaus or third party credit agencies. I also provided a letter from XXXX stating no bankruptcy found. They breaking all FCRA laws and I need your help please to get bankruptcy remove and all accounts included in bankruptcy. Thank you.
Consumer complaint received 2015-09-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (DE)

Pnc bank will not accept my legal Durable power of attorney. I submitted all the appropriate documents and their legal department stills refuses to accept it. I even submitted my father 's death certificate because he was first on the Durable power of Attorney. I have gone to the bank 3 times and each time they refuse. Please help.
Consumer complaint received 2016-03-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION (TX)

My suspicion is that there is a deliberate scheme by Stonegate Mortgage of intentionally reducing mortgage payments to starve clients escrow accounts thereafter essentially guaranteeing a high probability of refinancing, hence refinance fees and charges. My case is as follows. 
1 ) Original payment from XXXX XXXX was set up at {$1600.00}. This payment would cover your Principal & Interest, Hazard Insurance, Mortgage Insurance and Property Taxes as were estimated at time of purchase. 
2 ) Stonegate changed ( reduced ) my monthly payment ( intentionally? ) and now I have a problem : ESCROW SHORTAGE of {$5200.00} 3 ) Stonegate is thereby increasing my escrow XXXX % and my total monthly payment XXXX %. 
4 ) Essentially forcing to consider refinancing.
Consumer complaint received 2019-05-25
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: SUNTRUST BANKS, INC. ()

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, Chexsystems reports also i have already made report at XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Suntrust Bank Dba XXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2018-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

This is pertaining to a violation of the Fair Credit Act. We have contacted Experian providing them with Cease and desist letters and informing them of fraudulent accounts. I would like to file a formal complaint of their non compliance. They updated the accounts you see below as accurate with out providing us origination documents to support their verification efforts there fore we are requesting removal of these accounts. 

Disputed accounts include ; XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2017-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (AZ)

Requested credit line increase on Costco credit card, was denied and ECOA notice sent X/XX/17. ECOA notice stated denial was based on XXXX credit bureau on the basis of showing a garnishment, attachment, foreclosure, collection action or judgment either paid or unpaid. This information is erroneous, I went and double checked my credit report for all XXXX bureaus, none state any public records concerning credit. Spoke with XXXX, Account manager Citi ID # XXXX and he stated that he can not do anything but pull my credit again, resulting in additional inquiry to credit which would be impactful to my FICO. XXXX was a great guy to talk to, and he is absolutely not the problem. It seems that Citi does not provide the adequate information to it 's employees to resolve issues like this. Should the CFPB wish, I can provide a copy of my XXXX report and the ECOA notice to document that I do not have any public records on file in my report.
Consumer complaint received 2016-01-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Information Bureau, Inc. (FL)

On this account I made my request for validation, which I have not received response by the corresponding processes, if the agency does not have the necessary documents to prove I m obligation on it shod be removed from my credit reports under FDCPA 15 USC 1692g Sec. 809 ( b ) can not keep unverifiable data in credit bureaus, also they violate the FCRA Law passed 1970 I request 1- What the money you say I owe is for 2- Explain and show me how you calculated what you say I owe 3- Provide me copies of any papers that show agreed to pay what you say I owe 4- Provide verification or copy of any judgment if applicable 5- Identify the original creditor 6- Prove me the statute of limitation has not expired on this account 7- Show me that you are licensed to collect in my state 8- Provide me with your license numbers and registered agent
Consumer complaint received 2019-05-25
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: DISCOVER BANK ()

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XX/XX/XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX  reports also i have already made report at XXXX Discover financial ser on XX/XX/XXXX
Consumer complaint received 2017-01-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TN)

I tried to get my free annual credit report on XX/XX/2017 from Equifax and received a response that online delivery was not available for my request. Instead I was directed to not only complete a paper request form that would contain every single piece of my personal information on XXXX page to be sent through the mail but for " identity purposes '' also include some other form that would also contain my complete XXXX to be sent along with it. Secure online delivery is far safer than sending this kind of personal information through the mail and Equifax should be mandated to make delivery available by electronic means for the annual report that consumers are entitled to.
Consumer complaint received 2016-03-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc. (AZ)

They call several times a week asking for XXXX XXXX XXXX and to call XXXX XXXX at XXXX. The call comes in from XXXX. States to press XXXX and disregard if I am not him. That does not work they still call several times a week. Online states it Alliance One collections.
Consumer complaint received 2019-10-08
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. (NY)

I disputed to Experian that my XXXX XXXX XXXX credit card was paid in full, but closed. I explained that I paid the full amount but the creditor is reporting the account as charged off despite the creditor agreed to not put on my credit report charged off/closed if I paid the full amount which I did. Of course I didn't get in writing because I'm XXXX. There is proof on my report that I owe {$0.00} and that it was paid. So why not remove if being reported inaccurately despite the creditor telling me different? I am in the process of trying to buy my first house and this has hugely impacted my life. Please help me remove this off my report as I paid and did not settle for less and have a {$0.00} balance.