davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-15
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)

This company denied me a right to get a auto loan due to the improper and inaccurate information reporting on my consumer report. This company took adverse action against me denying me a right. How can you deny a consumer something when I am the one extending my credit to them, This is a violation of the Gramm Leach Bliley Act, because they are invading my privacy. 15 USC 6802 and 15 USC 1611 false and inaccurate information willingly and knowingly. 

The information provided on my consumer report is damaging my reputation.
Consumer complaint received 2021-08-27
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: CITIBANK, N.A. (GA)

It looks as though a Citi Bank card was taken out in my name and never paid for. Account was opened XX/XX/2019 and closed on XX/XX/2019. I have no knowledge of this account and would like it removed from my credit report. Please help me. I am a newly XXXX  mother of XXXX  kids and it is hindering me from doing a lot for my family.
Consumer complaint received 2019-08-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IA)

I asked Ocwen for a modification to bring my mortgage current after dealing with health issue. I made 3 trial payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as per the agreement. In XX/XX/XXXX they informed me that they were finalizing the modification document. Again in mid-XX/XX/XXXX i was told the same thing and I told them I needed the agreement to read and sign before I could make my new payments. I finally received the agreement on XX/XX/XXXX. The agreement said my new balance was {$72000.00} and a balloon payment of {$56000.00}. By then they said they would not accept my payments. They then informed me that PHH Mortgage services were the new servicer beginning XX/XX/XXXX. PHH informed Iowa XXXX  XXXX that I was not eligible to do anything but short sale or foreclosure.
Consumer complaint received 2021-12-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

DATE OF TEXT : XX/XX/21 @ XXXX FROM XXXX ( XXXX ) XXXX CITI ALERT : WE CANCELED AN UNAUTHORIZED WIRE TRANSFER OF {$1500.00} ON XXXX, CLICK HERE HTTPS : XXXX FOR VERIFICATION! THANK YOU THIS IS A SCAM
Consumer complaint received 2021-12-15
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA (WA)

In late XX/XX/2021, I was notified that I had a delinquency on my credit, and my credit score dropped XXXX points. After reviewing my lines of credit, I saw that there was a Hyundai line of credit showing the delinquency. The balance of the line of credit was {$12000.00} I contacted Hyundai Motor Finance to discover that there was a Lease on in my name. I was trying to inform them that this was a fraudulent account, and that I knew the person that signed this lease fraudulently, but was receiving no help from them. I was getting cycled around through their phone lines when finally I got redirected to the Finance Department for a third time. This time though, I requested a copy of the Motor Vehicle Lease Agreement so that I could see the signatures on the paperwork. After a couple of days I received it. After reviewing the paperwork, I discovered that the signature on it was in fact forged. The vehicle was leased in Arizona. I currently reside in Washington state and have not been to or visited Arizona. I called the person that forged my signature, who currently resides in Arizona, and she eventually admitted to commiting the forgery/identify theft to me over the phone. I continued to try and contact Hyundai, after now knowing for a fact what happened. But I was harassed by them. They did not listen to my concerns, and was insinuating that I was experiencing " buyers remorse. '' I continued to adamantly state that I did not sign or consent to this sale. I have been trying to work with the Hyundai Motor Finance Director, trying to get information on their investigation, while also providing them copies of the police report I filed. Also trying to figure out how they can proceed with repossessing the vehicle from the perpetrator since she is still in possession of it, but now they are ignoring my attempts to contact them.
Consumer complaint received 2019-08-06
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. (NC)

I submitted a complaint on XX/XX/2019 for items that were incorrect on my credit report. The response received from the credit bureau, 30 days later was that the creditors were still working on the disputes. After 60 days the response was " The creditors have verified that this information is correct and we have accepted their response. '' How did they verify that it was correct? Did they send documents? Signed contracts with wet signature? There needs to be documented proof. I have asked for the process by which these accounts were " verified '' and to date, have not received anything. It's like the creditor just sends a response " verified '' and the credit bureaus take their word for it without documented proof. 

Listed below are the accounts on my Experian Credit Report that I am disputing. The information being reported is NOT true and accurate! Provide me with documented proof of the late payments, etc. 

1. XXXX XXXX XXXX XXXX - is NOT my account and needs to be deleted. It is FRAUD! 
2. XXXX XXXX is a FRAUDULENT ACCOUNT and needs to be deleted. 
3. XXXX XXXX XXXX XXXX XXXX is showing late payment ( s ) - this account was never late. 
4. XXXX XXXX XXXXXXXX has several late payments. I have sent them proof that this account should have no late payments and Experian refuses to remove, even though XXXX and XXXX have. 
5. XXXX XXXX  XXXX shows late payment ( s ) - I have never paid this account late.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Received a letter dated XX/XX/21, stating that an bank account with Huntington National Bank XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX ) was opened on XX/XX/21. Never heard of, inquired or opened this account. Called and spoke w/ XXXX XXXX who advised that the account was set up online and they will close and report to their fraud department on XX/XX/21.
Consumer complaint received 2019-08-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

My complaint is against PORTFOLIO RECOVERY ( Original Creditor XXXX XXXX ) collection agency, Account # XXXX Balance XXXX, date open XXXX. I sent this company back in in XX/XX/2019 a letter stating that Im a real victim of fraud and the account that they have on my reports does not belong to me. I sent them a copy of a Police report from XXXX XXXX POLICE DEPARTMENT, a copy a Federal Trade Commission Report and letter. This company disregarded a police report and are still reporting a fraudulent account to my reports. I want this company to delete immediately that fraudulent account from my reports and a deletion letter through CFPB portal as soon as possible. Im also attaching the police report I sent them, the letter I sent them and the FTC report that they received. If I dont a quick response I will file this case in court. Thank you!
Consumer complaint received 2022-10-15
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. (TX)

This company denied me a right to get a auto loan due to the improper and inaccurate information reporting on my consumer report. This company took adverse action against me denying me a right. How can you deny a consumer something when I am the one extending my credit to them, This is a violation of the Gramm Leach Bliley Act, because they are invading my privacy. 15 USC 6802 and 15 USC 1611 false and inaccurate information willingly and knowingly. 

The information provided on my consumer report is damaging my reputation.
Consumer complaint received 2021-12-15
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. (PA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2023-07-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.
Consumer complaint received 2022-03-28
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. (MA)

I have reached out to Experian about 3 times asking them to update my collections account I have on my report from XXXX XXXX. I have paid this account and it is closed. On my credit report it still shows as a open account. I called XXXX  XXXX and they informed me they have already told Experian this account is closed.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings (NV)

On XX/XX/2021 complainant submitted for a residential property the screening process was conducted by company " Safe Rent Solution fka CoreLogic RPS '' said company Safe Rent Solutions used software owned by " XXXX. '' The information created by Safe Rent Solutions identified complainant as a XXXX XXXX XXXX On, XX/XX/XXXX and caused complainant to be denied, causing complainant psychological harm and damage to personal property and complainant marriage rings, Safe Rent Solution was aware that the information it was creating was not that of the complainant or should had known. Safe Rent Solution used inadequate software which only searches using first and last name, and the software used by XXXX did not reject the information Safe Rent Solution had created which misrepresented the complainant by mixing credit report and criminal background which gives the appearance of the information being correct of consumer. The consumer background check is that of public record and should be maintained as such, as it has proven to be misleading information about consumer. Complainant is XXXX by way of XXXX XXXX XXXX XXXX  and when attempting to speak to personnel employed by Safe Rent Solutions a person name unknown XXXX XXXX  identified himself as counsel for said Safe Rent Solution, XXXX XXXX  made degrading remarks concerning complainants ability to reason, understand or comprehend and stated that complainant couldn't read and he was of less then that of a XXXX XXXX XXXX, these words used belittled complainant making him feel useless and without self esteem, complainant became delusional for months unable to gain a grip on his life feeling isolated and trapped, making complainant feel like a creep and or that everyone was out to harm him and that others were looking at him as a XXXX XXXX XXXX, this caused pain and suffering, complainant submitted a complaint to CoreLogic XXXX the company rejected the complaint however phone communication with XXXX 's Fraud department revealed that company XXXX was working with Safe Rent Solution.
Consumer complaint received 2021-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/2021, a charge of {$82.00} was added to my card. My card was stolen and this was a fraudulent transaction. However, my credit card is telling me to contact the merchant for a refund, whom, I don't know since the I never made the purchase
Consumer complaint received 2022-10-12
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. : # XXXX, 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 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 2019-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Bank is unable to generate a statement for the month of XXXX as they promised they would. They provided a statement from XX/XX/XXXX to XX/XX/XXXX. What is needed is a statement from XX/XX/XXXX to XX/XX/XXXX. 

I am trying to close on a home and need a monthly statement. I've worked with the bank directly for over a month and have been told to be patient. I was told today that they are unable to produce the statement. No good explanation has been offered.
Consumer complaint received 2019-08-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (FL)

We started a mortgage process with TD Bank on XX/XX/XXXX, to purchase a condo in XXXX, NY for my daughters. We never shopped around because my daughter was very happy with TD services in the past 10 years. At the beginning, they offered a 30 year old mortgage with no points at 3.5 % fixed rate. Upon request, we provided all necessary documents TD asked for and through-out the process, we requested the closing to take place by XX/XX/XXXX since my daughters had to move out of their current apartment as others were scheduled to move in the next day. TD Bank consistently assured us that the closing WILL take place on time. To our surprise, a week before the closing date, TD started asking for the same documents that we had provided and waited to the last week for employment verification which they couldve done at the very beginning. The loan officer apologized for late handling and processing the case via email and phone calls. TD abject failure to deliver what was promised, caused the closing date to be postponed TWICE which caused us extreme hardship and added costs of living in a hotel for 4 nights and I had to postpone my flight twice. 
But, the most egregious part of the entire ordeal was when TD Bank inexplicably increased the interest rate to 4 % even-though we had a locked-in rate of 3.625 %, literally two days before the closing and after hundreds of phone calls, emails and texts begging them to honor what was agreed upon, they wouldnt budge and presented some bogus and questionable reasoning and justification. We strongly feel that TD kept us hostage and knowing that we had our belongings in a truck and living in a hotel, we had no other choice but to accept their unfair deal since we couldnt walk away. This was nothing but an extortion which I brought up to the attention of most TD staff including the Regional Sales Manger, but they couldnt care less. 
We even asked for some type of compensation for our additional expenses by a way of waving or reducing some of their fees and charges to no avail. 
Most attorneys and people involved at the closing which finally took place on XX/XX/XXXX, five days later than promised, all had negative comments about TD services due to their past experiences, particularly TD Mortgage Division.
Consumer complaint received 2021-12-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC (CO)

My mortgage company, RoundPoint Mortgage Servicing Corporation XXXX XXXX, obtained homeowner 's insurance with XXXX XXXX XXXX because my previous homeowners insurance expired on XX/XX/2021. I was making on-time mortgage payments. Funds in my escrow account should have been applied to my homeowner 's insurance. 

I have made numerous inquiries with RoundPoint Mortgage but I have not able to obtain coverage details or a declaration page. XXXX XXXX XXXX does not recognize the policy number provided by RoundPoint Mortgage. 

I am not able to obtain a refinance loan because the refinance company requires a homeowner 's insurance policy number, coverage details and a declaration page.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (MD)

On XX/XX/2021 I had some issues with the TD Bank app. It was not working and I was getting an error message saying unable to connect to server I have attached a screenshot of it to this statement. I decided to go to a branch, the following day to make a payment but it was on thanksgiving day and the bank was closed. I had to do it the very next day, on XX/XX/2021. I have made XXXX ( XXXX ) payments in cash. One for {$500.00} and the second one for {$80.00}. I have attached a copy of the receipt to this statement. In total that day I have paid {$580.00}. The last day of my billing cycle was XXXX XXXX. So I have made the 2 payments before the last day of my billing cycle. Unfortunately those to payments have not been reported to the 3 credit bureaus. My balance before the payments was {$590.00}. My balance after the 2 payments should have been {$17.00} since I have paid {$580.00}. TD bank did not report the payments I have made to the 3 credit bureaus. I want them to fix it!!! I have sent a letter to TD bank about it ( attached to this statement ) but they have not done anything!!
Consumer complaint received 2021-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XXXX of XX/XX/2021, all money have been stolen from my citi bank accounts. I have never authorized the transfer and the bank didn't send me an alert before the transfer. 

I am still waiting for the solution from the bank while all my saving and checking money has gone. They just put it as dispute and claim to do investigation. I think they should handle this more seriously and rapidly. 

I have submitted a form of " Affidavit of Unauthorized Online Wire Transfer '' to the bank.
Consumer complaint received 2021-08-27
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. (MD)

I have been requesting, since XX/XX/2021, verification of these alleged debts that you keep reporting on my credit files. However, the credit bureaus failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they have continued to report & sell erroneous information about me. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.
Consumer complaint received 2021-12-15
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. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax Credit Bureau from XX/XX/2021 to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my Equifax Credit Report. That means Equifax failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : XXXX XXXXXXXX XXXX XXXX-XXXX-Balance {$310.00} XXXX XXXX XXXXXXXX-Balance {$5000.00} XXXX XXXXXXXX-Balance {$0.00}
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have received a copy of my must recent credit report, A public bankruptcy is being reported on my credit file this is inaccurate information. I have contacted each credit bureau with proof I DO NOT HAVE A BANKRUTCY. Experian XXXX XXXX XXXX stated the information was obtain from XXXX XXXX, XXXX XXXX and my city bankruptcy court have provide me with a letter stating I do not have a bankruptcy with them. 


I would like this Bankruptcy deleted off my credit file...
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CHARLES SCHWAB CORPORATION, THE (VA)

In the mail XX/XX/21 I received two separate envelopes from Charles Schwab Bank. 
One is a new Debit Card I did not apply for. The other is a notice of funds availability saying {$260.00} was deposited into a new account on XX/XX/21. I did not open that account or set up the debit card. I called, spoke with XXXX in the ID Theft department at Schwab Bank. He gave me case number XXXX and said the account was closed on XX/XX/21. I am very upset because someone - not me- was able to open this account and attempt to transact business on it.