davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (OK)

Good evening. I would like to submit a complaint regarding the way TIAA bank handled my mortgage buyout. I did not authorize this buyout and I wanted to stay with my lender and mortgage company XXXX XXXX out of XXXX  XXXX. This FL company bought my mortgage out and did not send me any confirmation and all the calls went to my XXXX spam account for fraudulent numbers. I did not know they were buying my mortgage, because I work on the road and was not home, and when I finally figured out they did buy it I was hounded on the phone for over {$3000.00} dollars. I told them my mortgage company was XXXX and they did not care because they needed me to pay my late fee and my 60 day late notice. I paid everything in lump sum and moved on. I did not receive any mail and I did not know what was going on. Please help me take off this 60 day late notice off my credit record so I can get a good refinance on my house and an equity cash out to help fix some of the renovations. I paid this TIAA bank in full and we moved on BUT I did submit a claim with XXXX  and I complained to the TIAA banking manager numerous times to help me take the late notice off my record. I have not missed any mortgage payments since and I am always on time with all my payments. I need my credit record cleaned up because this TIAA bank will not help me and they are making it very difficult. Recently they just changed my account number to a new website/sister company and it is even more difficult to just work with this company. I am changing my mortgage over to a new lender but I do need my credit score fixed before I do so. Thanks for all your help and hopefully we can resolve this.
Consumer complaint received 2022-05-19
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: Merchants Adjustment Service, Inc. (SC)

In accordance with the XXXX XXXX XXXX XXXXXXXX act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-13
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. (OK)

I NEVER AUTHORIZED ANY HARD INQUIRY OF MY CREDIT. I AM XXXX  AND THESE COMPANIES HAVE THESE AGREEMENTS TAILOR MADE TO INSURE XXXX PEOPLE ARE SWINDLED. THIS WAS SENT TO ME AS A WAY TO CONSOLIDATE MY DEBT WITHOUT ANY CREDIT IMPACT, BUT IT HAS BEEN ONLY A CREDIT IMPACT, PULLING TWO HARD INQUIRIES ON THE SAME DAY. I WANT THIS ADDRESSED AS A XXXX ACCESS ISSUE BECAUSE THEY ARE PREYING UPON PEOPLE LIKE ME WHO ASSUME THAT THEY ACT IN GOOD FAITH WHEN INSTEAD THEY ARE LOOKING TO ENSNARED XXXX  XXXX PEOPLE. IF THIS CAN NOT BE ADDRESSED AS SUCH, PLEASE REFER ME TO THE REGULATORY AGENCY WHERE I CAN COMPLAIN ABOUT PREDATORY BEHAVIOR BY LOAN AGENCIES SUCH AS " XXXX '' OR WHATEVER THEY PRETEND TO CALL THEMSELVES. THIS COMPANY SHOULD HAVE THEIR LICENSE REMOVED BECAUSE THEY PREY UPON PEOPLE LIKE ME.
Consumer complaint received 2022-04-11
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: WELLS FARGO & COMPANY (MI)

I looked up my credit report and noticed a bunch of car inquiries on my credit report that I didnt authorize because I just got me a car XXXX XXXX XXXX
Consumer complaint received 2021-11-13
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: CURO Intermediate Holdings (OK)

I NEVER AUTHORIZED ANY HARD INQUIRY OF MY CREDIT. I AM XXXX  AND THESE COMPANIES HAVE THESE AGREEMENTS TAILOR MADE TO INSURE XXXX PEOPLE ARE SWINDLED. THIS WAS SENT TO ME AS A WAY TO CONSOLIDATE MY DEBT WITHOUT ANY CREDIT IMPACT, BUT IT HAS BEEN ONLY A CREDIT IMPACT, PULLING TWO HARD INQUIRIES ON THE SAME DAY. I WANT THIS ADDRESSED AS A XXXX ACCESS ISSUE BECAUSE THEY ARE PREYING UPON PEOPLE LIKE ME WHO ASSUME THAT THEY ACT IN GOOD FAITH WHEN INSTEAD THEY ARE LOOKING TO ENSNARED XXXX XXXX PEOPLE. IF THIS CAN NOT BE ADDRESSED AS SUCH, PLEASE REFER ME TO THE REGULATORY AGENCY WHERE I CAN COMPLAIN ABOUT PREDATORY BEHAVIOR BY LOAN AGENCIES SUCH AS " CURO '' OR WHATEVER THEY PRETEND TO CALL THEMSELVES. THIS COMPANY SHOULD HAVE THEIR LICENSE REMOVED BECAUSE THEY PREY UPON PEOPLE LIKE ME.
Consumer complaint received 2020-12-17
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)

Im new to this country this is not my account. Im new here in america. I need help. The companies told me its on me. I must contact the credit bureau. The police dept wont help they said the department isnt available due to covid. Please help and remove this from my account I dont want to loose my citizenship. I dont have XXXX or XXXX XXXXXXXX Revolving Accounts : Accounts with an open-end term XXXXXXXX XXXX Experian XXXX Account # : XXXX XXXX -- High Balance : {$830.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$530.00} {$530.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Department/Variety and Other Retail Complete Department Stores -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Dispute resolved ; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
-- -- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$530.00} {$530.00} -- Account Type : Charge account Charge account -- Payment Frequency : -- -- -- Credit Limit : {$1500.00} {$1500.00} -- unkown unkown Two-Year payment history XXXX XXXX XXXX Experian XXXX  Account # : XXXX XXXX -- High Balance : {$300.00} {$810.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$0.00} {$750.00} -- Closed Date : -- -- -- Account Rating : Open Open -- Account Description : Terminated Authorized User -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Bank Bank Credit Cards -- Account Status : Open Open -- Payment Status : Current Current -- Creditor Remarks : -- -- -- Payment Amount : {$0.00} {$25.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$250.00} {$800.00}
Consumer complaint received 2021-11-13
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. (MD)

Credit agencies are reporting incorrect scores and inaccurate information. I paid a loan OFF and paid my credit card balances down. My credit utilization should be less then what it was. They need to update scores and reports. Its impossible for a score to drop XXXX points when I paid a loan OFF.
Consumer complaint received 2021-11-13
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: CMRE Financial Services, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2024-04-05
Product: Credit 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: JPMORGAN CHASE & CO. (CA)

I disputed a charge last XXXX because the Merchant that my company hired & failed to provide the services promised in the contract. The Chase dispute department asked me for proof that the Merchant did not deliver what was in the contract. I provided the proof including the Merchant 's email confirming a promised refund check because they admitted they failed ( which we never received ). Chase said they reviewed the contract and decided that credit was not to be given because I signed the contract and based on software login the Merchant provided. I explained that of course I signed the contract and paid the payment of {$1800.00} however the Merchant failed to deliver the services and the Software login was never part of the transaction in dispute. In XXXX I was told to reopen and was asked to send them a letter stating the fact which I did. They still rejected it. I called them in again and they mentioned that screenshots were not properly cropped and I should resend them. The screenshots were properly cropped but I submitted them again. The next time I was told that the screenshots showing the Merchants valid work email was invalid and that I should get a letterhead from the Merchant. The next time I called, the emails were okay but because the department mistakenly put it in a category that it wasn't supposed to be in, Chase would try to solve it within itself ( without involving the Merchant ). Accordingly I was told to fill out a form and send it to them which I did ( pls see attached/provided ). Finally on XX/XX/XXXX, I was told the time has elapsed and no credit will be given and that my case was closed. Chase didn't review evidence provided properly, never questioned the Merchant to provide that services were provided or why they include a transaction that was not part of our contract, Chase mistakenly put my case in the wrong category and blamed me for the elapsed time that it caused. They even admitted ( on XX/XX/24 ) over the phone that the employee who put my case in the wrong category was fired. I am asking Chase to be held accountable for its employees failures
Consumer complaint received 2022-10-13
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: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2021-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (FL)

The XXXX Credit Bureau is reporting inaccurate information on SPRINGOAKCAP. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

SPRINGOAKCAP XXXX Balance {$590.00}
Consumer complaint received 2021-11-13
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Recently I saw late payments on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.
Consumer complaint received 2023-06-22
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6800.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$000.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}.
Consumer complaint received 2022-05-19
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. (FL)

15 U.S. Code 1692c - Communication in connection with debt collection, I XXXX XXXX, Consumer, am demanding XXXX XXXX  to Cease and Desist communication with my consumer credit reports, I do not give any consent for XXXX XXXX  to report to any Credit Reporting Agencies on my behalf.

Pursuant to 15 U.S. Code 1681a ( 1 ) ( d XXXX XXXX XXXX  reporting to Credit Reporting Agencies is communication, and as of XX/XX/2022 I cease and desist XXXX XXXX  communication. 

Failure to comply will result in many fines. Thanks, Best regards.
Consumer complaint received 2022-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

15 U.S. Code 1692c - Communication in connection with debt collection, I XXXX XXXX, Consumer, am demanding XXXX Bank to Cease and Desist communication with my consumer credit reports, I do not give any consent for XXXX Bank to report to any Credit Reporting Agencies on my behalf.

Pursuant to 15 U.S. Code 1681a ( 1 ) ( d XXXX XXXX Bank reporting to Credit Reporting Agencies is communication, and as of XX/XX/2022 I cease and desist XXXX Bank communication. 

Failure to comply will result in many fines. Thanks, Best regards.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

I've been trying to reach out to Experian, they have not given me access to my CONSUMER CREDIT REPORT and FAL REPORT. I have attached screenshots as proof. All I want is to have my CONSUMER CREDIT REPORT AND FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). Experian has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND FAL REPORT. I am entitled to a free weekly report due to the current pandemic.
Consumer complaint received 2021-11-13
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

PENNYMAC is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureau. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2019-07-21
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. (CA)

I am Filing a complaint on XXXX for not properly investigating the dispute that is reporting inaccurate Bankruptcy information on my consumer report. I sent XXXX a dispute that they are reporting a Bankruptcy that is reporting inaccurate on my consumer report from case number XXXX. I disputed the address that they are reporting on the bankruptcy and the name on the bankruptcy. What was alarming is that XXXX deleted the address that is listed on the Bankruptcy but, not the bankruptcy. XXXX didn't verify the name on the Bankruptcy. By the letter, XXXX sent to me. XXXX is claiming they verified the case number By the FCRA all information will be 100 % accurate information or MUST be deleted. I understand XXXX is governed by the FCRA. 

They failed to do so, and has also, cause XXXX and Equifax to report inaccurate information about this Bankruptcy Both XXXX and Equifax have returned my disputes letters claiming the information is accurate. In XXXX and Equifax response letters they have stated that verified the information with XXXX as accurate when I have disputed the Bankruptcy with both reporting Agencies. I sent XXXX a letter asking for Method of verification and has not received a response which is a violation Per the FCRA. I will attach the letter from the Southern District Bankruptcy Court XXXX TX. I sent the Southern District Bankruptcy Court a letter asking their verification procedures and they responded with a letter stating the DO NOT VERIFY ANY INFORMATION with the Credit Bureaus. SO why are they Not going to the original furnisher so they will report accurate information? On XX/XX/2011, The office of the Attorney General of the state of New York conducted an investigation of these same issues. Credit reporting agencies using third-party reporting agencies like XXXX who is reporting inaccurate information. Please help in this Matter. I have attached the letter from XXXX and both XXXX and Equifax that claim they verified their information with XXXX and not the original furnisher. I have filed a totaled of 5 disputes with XXXX and 5 with eEquifax and 5 with XXXX. XXXX  claim they have verified with the Southern District Court but, I have a letter from the court stating they do not report to reporting agencies.
Consumer complaint received 2019-01-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This happened in 2017 at Bank of America bank. I had just opened a brand new checking account with Bank of America. I can admit that none of this would have happened if I had inputted the correct account number for direct deposit for my job. I was off by one digit. Then XXXX the company I was working for at the time had to send me a check. So I waited maybe a week, because I remember receiving the check on a Saturday. My bank Bank of America was closed. So I decided to use the Banking Mobile Application to deposit my check. I completed the instructions as told, such as sigh the back of the check, then take a picture of the check on the front and back as I was instructed by there services. When it was ready to submit I pressed the submit or enter button to complete. Then nothing displayed on the app showing that the check I entered was completed. As a regular person would do, is to redo it. Only because I thought I didnt complete it right. So I proceeded to submit again. This time it showed completed. The next morning, I didnt receive any notification that my account was instantly Closed!! I did notice that both deposits of the same check was showing on the account. As a responsible citizen. I immediately called the bank, wondering what happened and why is the Checking Account I just opened is now Closed. 
I requested to speak to Supervisor to see what I did wrong and why they made that decision. He explains that they can close accounts anytime they want if they feel its fraudulent activity. Im complaining because they have made me feel like a Criminal, when I didnt have criminal intentions. Its was a simple mistake that I didnt notice happen until the next day. Plus they didnt even bother to ask or see or hear my side of the story. This is Discrimination towards me. There account services made my look like XXXX for not understanding. I have never been treated so horrible in my life. Their decisions were unfair!! When I went to the bank yesterday to be added on to my fianc account. I was still denied it has been two years almost. The representative stated We have a right to close an account like you do.