davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-18
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  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 2020-09-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WATERMARK CAPITAL, INC. (TX)

On XX/XX/2020 I submitted an application to WaterMark Home Loans through XXXX XXXX NMLS ID # XXXX. On XX/XX/2020 XXXX contacted my wife and I to review the interest rate and our monthly payments. At the end of our conversation I ask XXXX to e-mail me the loan estimate. XXXX 's reply was I don't have the bandwidth to do that. I pressed further and mentioned that I didn't think this was right and he said he doesn't have the time to send everyone that applies a written up estimate just so they can go shop other lenders with it. At that point I got off the phone. A little bit later I did some research into it and found that because I submitted my application with the information with my name, income, SSN, address, estimate of the home values, and the amount to borrow that he was required to send me a standard loan estimate within three business days. 

I called XXXX back and let him know that I still wanted the loan estimate and that he was required to by law. XXXX got quite for a few seconds and then responded with ridiculous answer claiming we hadn't really finished the application and that he wouldn't be a paper pusher just to satisfy one customer. The same application we have done with multiple other lenders who quickly returned to us with the standard three page loan estimate. XXXX still wanted us to lock in the rate he quoted without having ever seen the loan estimate sheet I am entitled to see prior to locking in a rate and continuing on in the process. 

Later that evening I decided to call WaterMarks corporate office in California. The receptionist talked with XXXX about why he hadn't given us a loan estimate. The information he gave her was that it wasn't their policy right now to provide a loan estimate. 

Had XXXX given me the required documentation, my wife and I would have happily refinanced through him as he had the best rate. Not being able to check the numbers leads me to the point I'm at now. We have been given three different responses as to why he would not provide a loan estimate after we submitted all of the required information on our end.
Consumer complaint received 2018-11-09
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

My personal information was stolen according to a letter from the IRS/XXXX. Because the IRS/XXXX  had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2019-10-03
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. (AL)

There are unauthorized inquiries on my report that needs to be removed. I did not authorize these inquiries Which are XXXX/XXXX inquiry from XX/XX/2018 XXXX XXXX XXXX inquiry from XX/XX/2018 XXXX inquiry from XX/XX/2018 XXXX XXXX   inquiry from XX/XX/2018 XXXX inquiry from XX/XX/2018
Consumer complaint received 2018-09-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NC)

Toyota Motor Credit is reporting that my auto loan was delinquent in XXXX of 2017. It was not. I have asked Toyota to correct this mistake on my credit report, but they refuse. I am attaching a copy of my payment history on this account, which clearly shows that the account was not delinquent.
Consumer complaint received 2019-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On Thursday XX/XX/19 I called Bank of America 's customer service line and asked to speak to a Supervisor in the Disputes department after weeks of calls and faxes with supporting dispute documents. The appeal process had been handled very poorly with multiple reps telling me over the phone that based on the information they received the dispute would rule in my favor only to receive rejection letters. On XX/XX/19 I spoke with a Supervisor in Disputes and told her I would like to cancel my card because I didn't like how they had handled the dispute process. She replied OK, it's closed. I asked her to explain as I was not yet prepared at that time to actually close the account and that I would like to talk to her Supervisor as I had not been told if we were on a recorded line and the proper disclosures were not read to me. I still have no idea what to do about any outstanding charges. She was extremely rude and unprofessional. I asked her again to forward me to her Supervisor and she instead forwarded me to the general customer service line. I filed a complaint then with Customer Service who said they would put in a request to have my card reopened and call me back later that evening. No one called. I called again on XX/XX/19 and XX/XX/19. No one has taken nor returned my call and the card remains closed with outstanding transactions now being declined.
Consumer complaint received 2023-03-18
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: Experian Information Solutions Inc. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2019-04-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (OH)

I hold a mortgage through PNC Bank, as well as a checking account and a home equity line of credit. My original mortgage was opened in XXXX of XXXX, although I have refinanced it twice ( both times with PNC ). Because of the mortgage account, PNC offered a free checking account ( and in fact, they require you to have it along with the mortgage ). 

On at least three occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), PNC has assessed a $ 15 monthly fee to my account even though this was not in accordance with the terms of the account. Two of these three charges overdrew the account. PNC has admitted the error was theirs each time and reversed the charges, including the additional overdraft fees. 

I am writing because this practice is unacceptable and puts an undue strain on customers. I should not need to police my unwanted checking account to make sure the bank is complying with their own policies.
Consumer complaint received 2019-02-01
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: BMW Financial Services NA, LLC (CA)

I Had Noticed the Hard Inquiries that I had never authorized to Pull from creditors. 
Someone stole my information and used them XXXX 1. XXXX  XXXX  XX/XX/XXXX 2. XXXX/XXXX XXXX XXXX XX/XX/XXXX, 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XXXX XX/XX/XXXX 6.XXXX   XX/XX/XXXX 7.XXXX/XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XXXX   XX/XX/XXXX XXXX  1.XXXX/XXXX  XX/XX/XXXX XXXX   1.XXXX/XXXX  XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2019-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (FL)

I am disputing a charge on my checking debit card that was not authorized by me. On XX/XX/XXXX, I requested a pickup of clothing to be washed and I also had labels on each bag inside and out stating this. On XX/XX/XXXX the clothing came back dry cleaned which is a substantial difference in money ( {$220.00} ) in excess of {$200.00} of what it should have been. I called many times to ask for an error correction from the company with no luck and therefore disputed the charge with my bank. The bank decided there was no error on part of the cleaners. I am forwarding a few documents, letters and photos that were involved and I have many more if needed. 
Thank you for any help.
Consumer complaint received 2019-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST HOME MORTGAGE CORPORATION (MD)

XX/XX/XXXX, I submitted a formal request asking that my mortgage company remove my Private Mortgage Insurance ( PMI ). I was told that this was not possible and I needed to pay the loan so that my loan to value ratio was at least at 80 %. Another solution was, since my loan was at 82 % loan to value ratio, they suggested that I get an appraisal ( {$500.00} ). I followed the instructions of paying additional money on the loan. In XX/XX/XXXX, I had a loan to value ratio of 75 %. I submitted my request again. Now they are telling me that are denying my request and I absolutely have to get an appraisal in order to remove PMI. This has been a disaster from the start. I got incorrect information from the loan officer who works for the company. I was told that once my loan to value ratio hit 78 %, the lender was required to remove my PMI. Now at 75 %, I am being told my other officials at First home mortgage that the only way for me to remove PMI is to pay for an expensive appraisal. I honestly believe that these individuals are preying on me because I am a first time home buyer and regardless as to how many classes I took prior to my purchase there are things that I just didn't know. I would really like help getting correct information on removing my PMI since I have shown " EXCELLENT '' payment history, etc.
Consumer complaint received 2019-05-10
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Franklin Collection Service, Inc. (GA)

I have received multiple calls after XXXX. They occurred at the times and dates below XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXXXXXX XXXX
Consumer complaint received 2019-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (CT)

On XX/XX/XXXX I called XXXX XXXX to ask them if they had their own visa personal or business credit card. The bank representative said they offer credit cards through Elan Financial Services. The web site appeared to be an older application website, I thought it was a pre-approval application. Instead Elan Financial Services pulled a hard  inquiry and I was informed that they pulled my XXXX XXXX credit report. I did not receive confirmation of the denial. 

I contacted Elan Financial services about the reasons of their decision, based on the information supplied by XXXX XXXX, including reasons of the basis of their decisions included balances reported on my deferred federal student loans that generated a debt to income ratio above the payment plan I am under. 

Even after review/consideration Elan Financial services refused to grant or extend credit. Even after I expressed that the information supplied by XXXX XXXX was inaccurate, incomplete and or misleading. I asked them to exclude the student loans into their decision and they refused. 

The application procedure did not inform me of my rights under the equal credit opportunity law, nor did Elan Financial Services informed me of my rights to dispute their credit decision under the Fair Credit Reporting Act. 

The inquiry conducted by Elan Financial Services was my mistake, because I was not properly informed of the application process by XXXX XXXX. I was unsure who I was applying to at that point I have never heard of Elan Financial.  The inquiry was a mistake and I am requesting XXXX XXXX to delete the inquiry on XX/XX/2019.
Consumer complaint received 2023-03-18
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. (AR)

On XX/XX/2023, after ordering a credit report from XXXX, I sent a Disputed letter to the credit reporting agencies. I found these UNVERIFIABLE accounts on my personal profile after receiving a copy of my report, and I also discovered that my credit report contains accounts that are deceptive to me. On XX/XX/2023, I wrote to the three credit bureaus. I believe they violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) by failing to authenticate these accounts ( A ). This was part of my most recent COMPLAINT, and I'm hopeful that it would prompt an immediate correction of the following accounts ' late payments : XXXX XXXX XXXX XXXX XXXX. It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range.
Consumer complaint received 2019-04-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Had my credit line frozen by the bank due to an error on their part ( see complaint XXXX ). 

On XX/XX/XXXX I received a letter informing me that the bank was closing the account due to the transfer of the title into a Land Trust that I created for estate planning, in direct violation of 12 U.S. Code 1701j3 ( Garn St Germain Act of 1982 ) that specifically authorizes " a transfer into an inter vivos trust in which the borrower is and remains a beneficiary and which does not relate to a transfer of rights of occupancy in the property '' ; The land trust the property is titled to is an inter vivos trust, I am still and remain the ultimate beneficiary and there is no transfer of rights of occupancy.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

Hi my name is XXXX and i was a victim of identity theft. I have numerous fraud accounts on my credit report. I filed a ftc identity theft report and police department. Fraudulent accounts include XXXX XXXX, XXXX XXXX, student loans, XXXX XXXX XXXX plus more.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

Hi my name is XXXX and i was a victim of identity theft. I have numerous fraud accounts on my credit report. I filed a ftc identity theft report and police department. Fraudulent accounts include XXXX XXXX, XXXX XXXX, student loans, XXXX  XXXX XXXX plus more.
Consumer complaint received 2019-10-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OK)

I have been getting collection calls from navient. They used to only hold my private loans but they are now saying they have two federal student loans they were collecting on. My complaint is that they collected on my federal loans without telling me they were the federal loans. I didn't even know navient had 2 of my federal loans. I know the options available and consumer protections in place for federal because I also have XXXX who manages my federal loans ( and do a good job ). With Navient In setting up payments, however, I was not told that the payments I was setting up were for my federal loans since I didn't know they owned those XXXX. Furthermore, the payments I set up, in the amount of XXXX every two weeks, with Navient.I was under the assumption were to be allocated across all of my private student loans. Upon calling in to reschedule a payment a customer service rep informed me the payments were only for my 2 federal student loans they owned and that they were set up incorrectly. They should only have been for XXXX. Every two weeks Because it was only for the 2 federal loans. Only I was told it was for all of my private loans and that they'd be garnishing my paycheck or taking my house next. So I set the payments up. 
Meanwhile I'm also getting collection calls from the other navient, navient collections ... which is why I complained to the previous mentioned agent in the first place it's like they were two different companies and I didn't know. They were both collecting but I thought they were one entity. Deceptive collecting and incorrect info given.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I AM LOOKING AT MY CREDIT REPORT AND I HAVE A LOT OF FRAUDULENT ACCOUNTS. ALONG WITH FRAUDULENT INQUIRIES. THESE ACCOUNT ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS FOR MY FAMILY AND ME. HOW CAN I PROGRESS AND DO WHAT I NEED TO DO WHEN THE BUREUAS ALLOW THESE FRAUDUENT ACCOUNTS ON MY CREDIT PROFILE. There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The XXXX XXXX agency continues to violate my rights according to XXXX XXXX XXXX. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the XXXX XXXX XXXX.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I checked my Experian credit report and I saw evidence of possible fraud or identity theft on my account. There have been a few hard inquiries that I don't recognize ( one being from XXXX  ), but the biggest issue is a collection account. This account was apparently opened on XX/XX/2019 showing the creditor is from XXXX XXXX XXXX with the original creditor being XXXX XXXX. I do not know what this account is and I have also never had an XXXX account at any point. The account is for {$5900.00} and I should have no active credit inquires, hard or soft, this year. Upon researching this company, there are others saying this company is a scam debt collector. I don't want to call them and give them any personal information, as I didn't open this account to begin with. 

I have since filed a dispute claim with Experian, but have not heard anything back.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Hi my name is XXXX and i was a victim of identity theft. I have numerous fraud accounts on my credit report. I filed a ftc identity theft report and police department. Fraudulent accounts include XXXX XXXX, XXXX XXXX, student loans, XXXX XXXX XXXX plus more.
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (MS)

On XX/XX/XXXX the Illinois disbursement unit sent a payment of XXXX to Way to go card and also on XX/XX/XXXX XXXX. The monies never came to my card. I contacted the disbursement unit and which they assured it went to Way to go. I have called Way to go from XXXX XXXX up to XXXX XXXX  today XX/XX/XXXX. I've spoke with over 10 different reps, transferred to level 2 several of times. I guy told me that my monies was sent to XXXX XXXX and he thinks my account was hacked and went on to say he had the routing and account number and someone must got a hold of my personal information. So he transferred me to the fraud dept and no one never answered after being on hold for a hour or more. I spoke to another rep around XXXX and he said I need to go to the local office, mind u I haven't lived in Illinois in 3 years. I explained I live in Mississippi and that my payments have been fine for many years. They are telling me that someone opened up direct deposit and that's where the money went and they aren't able to replace it. 
The disbursement unit sent monies to them and they sent it to a direct deposit and not my card, but last month there was no problems. Way to go keeps giving me the run around and telling me to contact ILSDU and XXXX XXXX office when clearly they are the ones who messed up and are telling me they can't do anything and constantly transferring me.