davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Card Acquisitions Group (TX)

I have spoken with them already and gave them my debit information so they can deduct my payment on the XXXX of each month. They are calling me every day now, multiple times a day and leave a voicemail that they'll have to take further legal action if i don't resolve the matter because it's not going through. That's my card number, i don't know what's wrong with it.
Consumer complaint received 2022-03-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I have reached out to the credit bureau and I am yet to hear from them, it has been over 30 days and no response, these are inaccurate and should not be on m report.
Consumer complaint received 2022-12-16
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. (NJ)

Their are several incorrect items on my credit file between XXXX XXXX XX/XX/2022 several letters were submitted to XXXX and XXXX and directly to the creditors to avail it has been over 30 days and I would like to know why the items are not being remvoved?
Consumer complaint received 2022-03-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company (TX)

We are escalating this matter due to the lack of communication and customer service we have experienced with DHI Mortgage. On XX/XX/XXXX we were pre-approved for a mortgage loan to start the building of our first home. During that time we received no communication regarding the loan process until I received a phone call from our loan officer on XX/XX/XXXX advising they will not be moving forward because my income had changed. I provided a letter from my employer providing a breakdown of my bonus structure. However, it was communicated that we can go to another lender. We proceeded to do so, and received a verified approval on XX/XX/XXXX from XXXX mortgage. 

Our realtor submitted the verified approval, however DHI did not take the time to review it and declined it with no explanation why on the same day. The only feedback received was " Corporate '' denied the loan and still no explanation why. 

As a consumer I have the right to know the reason why the mortgage loan was declined, and what steps were taken to make this decision. We did everything that we were told to do by the loan officer ; however, she failed to communicate regularly or update us on the status of the application until the very last minute. 

We are requesting for DHI to provide a detailed breakdown for the reason of their decision even after providing them with the verified approval from XXXX Mortgage. 

Thank you. 

XXXX XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with FCRA, the creditors listed below have violated my rights under 15USC 1681, SEC 602, which states I have the right to privacy, 15 USC 1681, SEC 604 9a ), Section 2, which states a Consumer Reporting Agency can not furnish an account without my written instructions. 

Creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My mortgage servicing company is manipulating my escrow account to raise our payment constantly, they hang up on me refuse to reanalyze my escrow and are putting miss information on my 1098 mortgage statement to fradulently manipulate our payment continuesly. They are committing fraud against Us and I'm sure their doing it to other mortgagees.
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (OK)

On XX/XX/2023, I received an email from XXXX XXXX that my Navy Federal Credit card was closed. I did not receive any notice about my account being closed and I paid {$120.00} on the XX/XX/XXXX for my credit card payment. I received a backdated letter on XX/XX/2023, but the letter was backdated for XX/XX/2023, that my APR would change to 18 % interest rate. The letter also stated that I needed to make 6 consecutive minimum payments on time for APR to go back to the original payment and if not, I would continue paying the 18 % interest if I don't pay on time. Also, I received a backdated letter for XX/XX/2023, stating the account had been closed.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have no knowledge of or consent to these following credit inquiries, and it has been placed on my credit report without my authorization. This unauthorized inquiry not only damages my credit score but also constitutes a potential violation of consumer protection laws and the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (MN)

I have a mortgage with Home Point Financial that includes an escrow account that pays for homeowners insurance that I had set up with XXXX. Home Point failed to pay the {$120.00} insurance premium when it was due on XX/XX/XXXX and the policy was cancelled. I first noticed that the policy had lapsed on XX/XX/XXXX and obtained a new homeowners insurance policy on XX/XX/XXXX and paid the new {$310.00} premium out of pocket. Since Home Point could not be trusted to pay the insurance premium on time, I asked them to remove the insurance payments from the escrow account on XX/XX/XXXX and on XX/XX/XXXX they refused.
Consumer complaint received 2017-09-08
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. (MA)

Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.
Consumer complaint received 2023-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (TX)

I signed up for a membership at XXXX XXXX XXXX on XX/XX/22 and decided to cancel my membership on XX/XX/22. I thought I had paid all of my dues and had canceled my membership. Couple months later I have a debt collection company trying to receive {$150.00} from me. I go read the reviews from XXXX XXXX XXXX  and see this isnt the first time this has happened. Ive canceled at other gyms and have never had this issue. Im barely trying to build my credit now this is going to be a bad look applying for credit cards and loans.
Consumer complaint received 2022-03-16
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act the following companies have violated my rights. 

15 U.S.C 1681 section 602 A. states that I have a right to privacy.

16 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. 

XXXX  ( Finance ) XX/XX/2021 XXXX  XXXX  XXXX  XXXX ( Bank ) XX/XX/2021 XXXX XXXX  ( Bank ) XX/XX/2021 XXXX  XXXX  ( Finance ) XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX Auto ) XX/XX/2021 2021
Consumer complaint received 2022-03-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. The past 2 months i have disputed this and it was verified as " accurate '' by XXXX XXXX XXXX. It is reporting to XXXX, XXXX and Experian but a lot of contradicting information there is no way that they that they can verify this debt as it is reporting completely inaccurate they are in violation of my rights. 

below are the innacuracies Monthly payment XXXX {$260.00} XXXX {$260.00} experian {$0.00} Date opened XXXX  XX/XX/XXXX XXXX XX/XX/XXXX experian XX/XX/XXXX month ( terms ) XXXX   XXXX XXXX  XXXX experian XXXX high credit XXXX {$15000.00} XXXX {$0.00} experian {$15000.00} Last reported date XXXX XX/XX/XXXX XXXX  XX/XX/XXXX experian XX/XX/XXXX date of last active XXXX XX/XX/XXXX XXXX XX/XX/XXXX experian XX/XX/XXXX Date of Last Payment : XXXX   XX/XX/XXXX XXXX XX/XX/XXXX experian XX/XX/XXXX the reporting on the bottom on the 2 year payment history is all different as well..please see attached document for proof of all of the inaccuracies stated above
Consumer complaint received 2019-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NJ)

barclay credit card company allowed an automatic renewal charge to be placed on an inactivated credit card in XXXX XXXX the credit card had been inactive since XXXX XXXX. they subsequently charged me over {$45.00} in late fees and reported my account to the credit reporting agencies, thus decreasing my excellent credit score.
Consumer complaint received 2017-09-08
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. (NY)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential financial risk, and, through no fault of their own, forcing those millions to be on high-alert for activity on their credit account for potentially the rest of their lives as their personal identifying information has become public on the undying record of the Internet. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. This puts everyone affected in an even more difficult position than was ever necessary, as we must now be both proactive to prevent damage from the breach of our sensitive information and reactive to fraudulent activity that had free rein to occur in the time that this breach of information was kept secret from us. Furthermore, their response has not inspired faith that they have learned from their mistakes and are making efforts to improve their security, as they flagrantly disregard security best-practices in their attempt to prove that they are taking security concerns seriously : for example, their domain set up specifically as a response to this security breach is a new domain related to the incident -- something that anyone could have registered -- rather than hosting it as a subdomain on their existing Equifax.com domain, which would better indicate legitimacy. By making such a no-brainer mistake right off the bat, Equifax is implying that despite their public statements they privately have no intention to more responsibly handle sensitive information.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with FCRA, the creditors listed below have violated my rights under 15USC 1681, SEC 602, which states I have the right to privacy, 15 USC 1681, SEC 604 9a ), Section 2, which states a Consumer Reporting Agency can not furnish an account without my written instructions. 

Creditors : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (MD)

I was making payments on this account and began wondering why the balance wasn't going down. I reviewed the contract and realized the interest rate is 169 % which according to Maryland Law, is illegal. This interest rate needs to be reduced. No one could ever pay this off!
Consumer complaint received 2022-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Upon review of my consumer report I noticed Capital One Bank is reporting collection activity for 2 accounts ending in XXXX and XXXX. After further review I found out the debt was sold to a XXXX party collection agency whom I've never contracted with or gave any consent to have my personal identifying information that's IDENTITY THEFT. Nor did I give Capital One Bank consent to sell my personal identifying information. The 3rd party agency then tried to collect money from me on a debt that was already paid for when Capital One Bank wrote it off on their books. The IRS defines chargeoff as income so if Capital One Bank wrote it off and reported the debt to the IRS how can they double back and sell the very same debt they reported as a loss? Seems as though Capital One Bank is committing fraud. As well as AGGRAVATED IDENTITY THEFT aggravated identity theft occurs when someone knowingly transfers, possesses, or uses without permission, identification of another person, and then uses that identification during and/or in relation to the act of a particular felony violation. So let me get this straight Capital One Bank wrote off and sold the exact same debt ... .then the 3rd party collection agency contracted with and paid XXXX XXXX XXXX, and XXXX to report the alleged debt all in an attempt to coerce a federally protected consumer into paying by way of debt parking and extortion. Which is racketeering and a federal offense. Capital One Bank is contracted with XXXX under the XXXX application on their site so everybody involved has something to gain except the consumer.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-12-16
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. (OH)

XXXX XXXX is Reporting on My Credit Report with all 3 Bureaus # 1. False Information. Such as partial Account Number I can not look this Account up to See who it Belongs to with just a Few Numbers. # 2 Balance that they state is Owed to Them. # 3. How did they Get My Person Information I did not authorize this I Do not know who XXXX XXXX  Is. I have never had A Account with this Company XXXX XXXX XXXX. Account Number. - XXXX. - {$650.00} balance -and listing XXXX $ XXXX XXXXXXXX XXXX stating Factoring Company Account. I Contacted XXXX XXXX XXXX  that they have listed on my Credit Report as a Collection and they stated they are not Collecting for them that they do not have the Debt nor any Debt with my Name. 
XXXX XXXX XXXX Has added A Statement stating FCRA Dispute on my account after they stated it was Verified by the Credit Bureau to be Legal and Verified but would not tell me How or whom it was That they Verified with or how they Verified. I asked for all paperwork Containing to this Debt and it wasnt provided by Equifax or XXXX or XXXX. Why would they post a Balance and a High Balance on My Credit Report before Verifying that with me. Then a Few numbers as a Account Number that I cant look up. That is not Right at All. 
# 1 There is No Account Number for me to Investigate for my XXXX. # XXXX. Balance and High Balance listed as {$1000.00}. XXXX XXXX XXXX. Whom states they do not have any information on this Debt. My Credit is Very Important to me and they Have Violated my Rights under FCRA. If I can seek Judgment for Damages I Would like to do So. This has Been Mentally and Physically Exhausting to Research and Again Damaging to my Livelihood and XXXX XXXX
Consumer complaint received 2022-03-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Experian and others have refused to explain why my score bounces up and down. They give me the standard reasons that make no sence at all. I have never had a missed, late or not made a payment. I did exactly as they told me, get more credit but every time I do my score goes down. They told me I should get a mortgage so every time a mortage company checks my credit I loose up to XXXX points even after I am told it won't affect my credit. Now how is that fair to be penalized just for someone checking my credit? I am XXXX It Takes months to get back the points they steal in XXXX seconds. I will be dead before I can buy a House. I am living in a friends driveway in my Motorhome. I don't want to live like this. PLEASE DO SOMETHING with the credit reporting Company 's.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I never consented to this information being furnished, and this infringes upon my right to privacy. 

Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX TRANSUNION XXXX / XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via TRANSUNION XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  via XXXX XX/XX/XXXX XXXX XXXX. 
XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-09
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. (ID)

I have submitted multiple certified letters with documentation showing that a public record on my credit report should not be on my credit reports. Additionally, I sent letters to the 3rd party company that the credit bureaus state they verified the information with, and the 3rd party company - XXXX- sent me a letter stating that the bankruptcy information listed on my credit reports is unverifiable and has been deleted. The 3 major credit bureaus refuse to delete this bogus information from my credit reports even after sending them the proof stating it should not be there.