davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (TX)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN, XXXX AND XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ( Late/Closed : XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; Charge off : XXXX XXXX Balance Owed : {$340.00} ; Collection : XXXX XXXX  XXXX  XXXX Balance XXXX : {$90.00} )
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-17
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: EQUIFAX, INC. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$950.00} Closed XXXX/XXXX Closed : XX/XX/XXXX + {$0.00} Closed STUDENT LOANS XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX + {$1800.00} 120-149 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX + {$1800.00} 120-149 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX + {$1800.00} 120-149 Days Late Show closed ( 4 ) OTHER LOANS XXXX/XXXX Closed : XX/XX/XXXX + {$0.00} Closed XXXX/XXXX Closed : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$1500.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$1000.00} Needs Attention XXXX XXXX Last reported : XX/XX/XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$730.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$440.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$190.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$100.00} Needs Attention
Consumer complaint received 2018-03-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AZ)

I refinanced my home mortgage in XX/XX/XXXX. The mortgage was with XXXX. 
They financed {$100000.00} & my home was only worth around {$50000.00} at that time & I only owed {$35000.00}. They said I could use extra money for whatever I needed it for. I have made monthly payments of {$840.00} since XX/XX/XXXX. I have repaid over {$120000.00} on this mortgage loan & it will not be paid of until XXXX. In XX/XX/XXXX XXXX sold the mortgage to Rushmore Loan Management Services. I have an interest rate of 9.6 % & the balance on the loan is {$89000.00}. I have tried to do something through the HARP program, but was told my mortgage did not qualify because it was not a XXXX XXXX or XXXX XXXX. Just wanted to know if there is anything I can do to get my interest rate lower so that I can pay of my mortgage in my lifetime. I am XXXX years old & married. My wife is currently going through XXXX treatment for XXXX XXXX. 
Any advise would be appreciated. 
Thanks!
Consumer complaint received 2021-06-25
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I got these accounts that does not belong to me and i want it to be remove from the three credit report agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2018-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MO)

This company ( XXXX XXXX ), which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$870.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2021-06-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority (MO)

I received a letter from my mortgage company that my mortgage had gone from {$990.00} a month to {$2000.00} a month. When I called my mortgage company they said it was because my insurance was so expensive and they were very condescending to me. I called and got new insurance. When I spoke to the new insurance agent he said there was something terribly wrong. I called XXXX  back they said they had made a mistake and sent a check for {$4000.00} to a wrong insurance company and once they got the check back they would update my mortgage payment. I also received a check back from the second insurance company ( because XXXX told me that was the cause of my mortgage going up so much ) that I immediately turned over to XXXX. After they put all the money back, my mortgage payment was still {$1100.00}. That is {$170.00} more than it was prior to all the insurance mistakes. I have spent countless hours on the phone with insurance companies and the mortgage company and I still have no explanation why my mortgage would go up that amount.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I attempted to renew my income based repayment program and the paper never went through after repeated attempts. In XX/XX/2015 I  began consolidation of multiple student loans. XXXX XXXX XXXX XXXX XXXX was notified. They delayed the consolidation process and while my loans were in the consolidation process the continued to report them as being delinquent and past due. I have submitted several disputes about this with them. I had issues with the other student loans companies that were part of the consolidation and those issues have all been fixed. XXXX XXXX XXXX XXXX admitted to the mistake on there end but refuses to change the reporting on my credit report. Currently the account is closed and paid % 100. There is also a period of late reporting which was caused by them not processing my deferral request after several attempts. XXXX was very hard to deal with they were one of the only lenders who did not except electronic submission of documents and there was no way for me to confirm that they had actually received documents or processed them in a timely manner.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

THIS IS NOT A DUPLICATE. Experian has failed to address that they had 30 days per the Fair Trade Credit Reporting Act to investigate this claim and DID NOT do so in the allotted 30 days. 

30 DAYS, NOT 31, NOT INVESTIGATE AFYER THE 30 DAYS, NOT WAIT FOR THE VENDOR 'S RESPONSE AFTER THE 30 DAYS. 

They received certified mail documenting the time frame and they blew it! XXXX  has already deleted this item BASED ON THE EXACT SAME INFORMATION setting a precedent should I have to sue Experian.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I would like to opt out of all Trans Union, XXXX, XXXX  pre approved credit card promos and insurance promos. My credit file has out date information listed that needs to be removed. My current address is XXXX XXXX XXXX, XXXX, OH XXXX I do not live at XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX I have found out that my name and credit file has been confused with perhaps another XXXX XXXX with is not my name my name is spelled XXXX XXXX XXXX . I HAVE NUMBER ON MY FILE I DO NOT RECOGNIZE. PLEASE DELETE AND REMOVE THE FOLLOWING NUMBERS : XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX )
Consumer complaint received 2021-06-25
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. (NJ)

I HAVE DISPUTED ACCOUNTS ON MY CREDIT FILE multiple TIMEs and EXPERIAN XXXX  and XXXX  have refuse to complete a investigation in disputing in removing. the inaccurate information from my credit file. I have dispute this information for the last 12 months.
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Global Credit & Collection Corporation ()

I have called Afglo to settle my debt in full. They sent me a letter of the arranged amount and paid it in the bank. I then sent a copy of the receipt of payment and called them to report it. I spoke to a representative named XXXX who told me that the release letter will be sent in my email within 24-48 hours. 2 days later its still isnt sent, I followed up again and he said to wait another 2 days. I called again today and he said to wait until it comes as its covid and they dont have enough staff. Not even empathetic or apologetic about what happened and said he doesnt have time to talk to me about it as it doesnt matter.
Consumer complaint received 2021-09-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX  on my life.
Consumer complaint received 2018-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SC)

I received an email today stating that there is a payment missing. The email stated that they received the last payment on XX/XX/18 however, according to my records I mailed two payments in XXXX. I complained before but the same thing keeps occuring and I need it to change. Thanks so much for your time.
Consumer complaint received 2022-02-01
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. (MD)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The addresses being reported on the consumer report is fraud and does not belong to the consumer. These addresses are shown to be connected to accounts the consumer is unaware of and did not authorize. It is against consumer rights to be reporting false information on a credit report. It has caused many problems and many denial of credit. XXXX, Transunion, and XXXX have been contacted 3 times and no change.
Consumer complaint received 2019-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

HSBC XXXX XXXX CA branch - XXXX is my premiere banker. She set up bank accounts and credit card account. Credit card, upon being issued, was duped or used by another entity resulting in unknown charges. Also, the issue of the card was brought to XXXX 's attention immediately in XX/XX/2019 and she said she would take care of it ... call the cc division and have a new card issued. 
New card issued but they transferred balance to new card even though the point was balance was not generated by consumer. 
Also, this resulted in negative credit report ( late reporting ). 
You can not access the account number to pay the bill regardless. There is no account number on the bill anywhere. When you call them, after providing security info, they want you to go to the branch every time to pay the bill. 
They were asked to handle the problem on XX/XX/XXXX and the branch manager promised to be get involved. Than he left for holiday and never followed up on the issue 44 days later. So now hopefully CFPB can get my credit report cleared up and I can have a functioning credit card?
Consumer complaint received 2018-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I deposited a check on the BofA App as they recommend you do. I checked and my account was given credit for the money. The statement on the deposit said it would be available the next day. BofA then took the money out of my account and said they were going to hold it. Part of it for 2 days and part of it for 7. When I called them and talked to a supervisor they said that I was too risky and they changed their minds. I asked them to cancel the transaction and I would go get cash or certified funds. They refused. I know my agreement with them says they can hold funds up to 5 days. I have several accounts with the same agreement but they do not hold the funds of the same amount. They said the could not do anything about it which is not true because a decade ago I had funds held and they waived the requirement and gave me access to the funds. They claimed that they recently change the rules but I did not agree to a change and was not notified. I know it is a technicality but they put the funds in my account and told me it would be available the next day then they changed their minds. I am familiar with Check XXXX which is the processing of payment electronically through the Federal Reserve. They got my money from the check the next day. Since they told me it would be available the next day I consider that an agreement. They changed their minds but they would not allow me to change mine and cancel the deposit. This is not fair and is an abuse of power. Once they have the money in their bank, they should have to give me credit for it. I have been with BofA for 30 years. I have credit scores of 750 to over 800 depending on the bureau. They said I am a risk but they never looked at me. Their holding my money when they have it has damaged me as I made promises to pay that now I can not keep. If I take their money they make me pay fees and interest. If they take my money they should have to do the same at the maximum rate they charge me. This is not big enough obviously to sue them and they told me they do it to a lot of people. The only way this is going to get fixed is if the CFPB makes them stop.
Consumer complaint received 2018-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (AL)

I have received a copy of my credit report and there is a debt of {$410.00} listed as in collection from original creditor, XXXX XXXX, dated as opened on XX/XX/16. I did not attempt to open any accounts with XXXX XXXX.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

I have never been late paid all payments on time. this is effecting my life with this inaccurate. 
1.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX business credit card which should not be on credit may and XX/XX/2018 XX/XX/2018 XXXX XXXX   never late XXXX XXXX XX/XX/2018 XXXX XXXX note my account for XXXX  XXXX XXXX never late XXXX XXXX  and may this has happen before
Consumer complaint received 2020-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

Freedom Mortgage bought my loan from XXXX on XX/XX/XXXX. XXXX informed us in XXXX, but we heard nothing from Freedom until our payment was almost due and then only after making a number of calls. 

Since then, weve had nothing but trouble. Bills are late, not sent, or doubled. ( We have yet to receive the XX/XX/XXXX bill ) Payments made but not applied. The monthly rate has gone up despite our years of payments. 
Despite numerous tries, ( correctly executed on our part ) their online site wont accept our account number ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) and in calling by phone ( XX/XX/XXXX ), we were left holding for 14 minutes and then sent to an empty extension. 
I will sell the house rather than continue with these unprofessional charlatans, but in the meantime, please note this complaint.
Consumer complaint received 2018-07-30
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Seterus, Inc. (FL)

I have a loan with SETERU INC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and SETERU INC with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX - XX/XX/XXXX.