davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-07
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)

I disputed the 30 day delinquent reporting when I learned of it by applying for a loan on XX/XX/18. 
I submitted a written letter to XXXX XXXX XXXX and requested to investigate my complaint and to remove the 30 day delinquency notice because the payment was made to their company on time. 
I am writing to request assistance in having a 30 day delinquent entry removed from my credit report from all 3 credit bureaus. 

The correction of the error being sought is described below in regard to the mortgage on my property. 

A 30 day delinquent entry on my credit report by XXXX XXXX XXXX because of an escrow shortage ; which is only a proposed or projected change. Its was not an actual payment that made that the company made and needed to recouped. Further, the proposed or projected escrow change was paid in full once XXXX XXXX XXXX was contacted. 

Payment application errors : XXXX XXXX XXXX rejected the full payment I made in XX/XX/2018 in the amount of {$1200.00}. It was not applied to the loan or returned to me. Why was it not returned to me if it was short within a timely fashion to avoid it being 30 days late? XXXX XXXX XXXX should not be unjustly enriched by unapplied funds sitting in their account that was intended to be applied to subject mortgage loan. 
XXXX XXXX XXXX did not properly credit the payment received on XXXX XX/XX/2018 in the amount of {$1200.00}. Said payment should have been credited to : XXXX XXXX XXXX Loan #. 
XXXX XXXX XXXX credited the XX/XX/2018 payment on XX/XX/2018 ; which resulted in a 30 day delinquency notice being placed on my credit report and a significant drop in my credit score. 
The payment should have been applied on the day it was received in accordance with 12 CFR 1026.36 ( c ) ( 1 ). 
XXXX XXXX XXXX should be required to remove the delinquent entry. It is harsh, detrimental and unjust. 
Mortgage Companies should be required to notify consumers via certified mail, phone or fax if unapplied funds are being held because of the adverse impact it has on a consumers credit worthiness, standing and capacity.
Consumer complaint received 2019-07-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Information Bureau, Inc. (FL)

I mailed a certified handwritten letter to the Doctors Business Bureau on XX/XX/2019. USPS states that they recieved it XX/XX/2019. This letter is a debt validation letter requesting that they send the required proof they have to assume this debt against me as per my rights under the FDCPA. They were given 30 days to send me the documents that I needed ; if they did not, they were to DELETE these accounts off my credit. They have violated my rights and I demand that action be taken to resolve this matter. Thank you for your time.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiry reporting on my Credit Report : XXXX XX/XX/2020
Consumer complaint received 2019-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Consumer complaint received 2019-07-06
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: Experian Information Solutions Inc. (TN)

I AM A VICITIM OF IDENITY THEFT. THIS IS MY OFFICAL STATEMENT ABOUT THE CRIME. I HAVE SENT IN A POLICE REPORT AND AN IKD THEFT IN NUMEROUS ACCUSIONS AND EXPERIAN IS STILL REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE IN CLEAR VIOLATION OF FCRA LAWS. I HAVE REQUESTED ON NUMEROUS OCCASIONS A PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACE ON HOLD FOR INORDINTAE AMOUNTS OF TIME. UNDER THE FAIR CREDIT REPORTING ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGHTHE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT WITH A WET INK SIGNATURE ON IT, ( COPIES OF COPIES ARE NOT VALIDATION AND BY LAW ARE NOT CONSIDERED PROOF ) THAT YOU HAVE ON FILE FOR THE ACCOUNT LISTED ABOVE. UNDER THE FRCA, UNVERIFIED, INVALID ACCOUNTS MUST BE REMOVED. THE BANKRUPTCY I NSISTS ON REPORTING THIS FRAUDULENT ACCOUNT ON MY FILE.
Consumer complaint received 2019-07-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION (DC)

Hello CFPB This is a follow-up from your last message to me on XX/XX/XXXX complaint ID XXXX. Navy Federal has yet to contact me and settle this issue. I paid the fee to XXXX because Navy Federal will not reply to me nor refund me my money of {$25.00}. Now this entire issue has caused anothe problem with the fee I paid to XXXX. XXXX can not figure out what happened to the fee I paid on XX/XX/27 which covered Navy Federal 's check with no money value on it. Again I was not aware there was no money value on the check.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC. (OK)

First of all my personal information was falsely given by somebody that was not me. Then the person or persons continuously inquired about my property such as mortgage on my house and my credit cards that were already paid off, the person or persons that work for Equifax and XXXX credit report and credit score On each account of my name and Home Address and phone numbers of my Personal information that were used Frauduantly or illegal shown to Creditors In order to ruin my name and credit reports And scores for over 25 plus years or so which I had no credit since 1984
Consumer complaint received 2023-03-20
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. (IL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are negatively impacting my credit score, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, the following accounts and inquiries are questionable or unauthorized, and I request that they be clarified or removed immediately : Lending Club Corp, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

XXXX, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

XXXX XXXX XXXX, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

XXXX XXXX XXXXXXXX, Account Number : XXXX - I have no recollection of this account and believe it to be frivolous, which may be in violation of FCRA. Under FCRA, I have the right to request that fraudulent or unauthorized accounts be removed from my credit report. 

XXXX XXXX, Date of Inquiry : XX/XX/XXXX - I did not authorize this credit pull and demand that it be removed from my credit report, which may be in violation of FCRA. Under FCRA, I have the right to request that unauthorized inquiries be removed from my credit report. 

XXXXXXXX XXXX, Account Number : XXXX - I do not recall ever being associated with this unfamiliar company and question how this account is being continuously verified, which may be in violation of FCRA. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

I request that you investigate these items and provide me with a written response detailing the actions taken to resolve these disputes within the time frame set forth by FCRA. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-07-06
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: Mr. Cooper Group Inc. (NC)

Last 4 of my ss # is XXXX Contacted and filed complaint with CFPB and XXXX, Mr cooper mortgage stated they would start reporting my mortgage loan that they have failed to report since my reaffirmation and bankruptcy discharge in XX/XX/2018. 
I sent the required letter requesting trade line credit reporting and theyve still failed to report my loan and payments for last 12 months.
Consumer complaint received 2019-07-06
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: National Consumer Telecom & Utilities Exchange, Inc. (CA)

I am constantly filling out surveys through XXXX - nationalconsumercenter.com website and/or some website that's very similar to the ones I just described. Now when I have completed these surveys, expecting the delivery of payment for filling out their requested surveys, when I am redirected to confirm my shipment and/or personal information page, there is NOT an option to edit any of my information to confirm delivery or personal contact information so I can be notified on the shipment of payment or status of anything regarding my survey involment/participation. 

Due to the fact that I can not edit my information when I am redirected to the confirmation page, I believe I am not receiving ANY information on status for my participation in any questions I am answering, and am personally feeling like my intellectual properties and my involvement not being compensated like I was lead to believe, has been fraudulently stolen and or not redirected to me, the consumer/participant correctly.
Consumer complaint received 2019-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion Consumer Report. This denouncing of themis-reporting/mis-informationaffidavit ( DOMMA ) is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2019-07-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a notarized dispute with my social security card and Drivers license ( original color copies ) to Transunion. I certified mailed my dispute that Transunion received on XX/XX/19. Transunion failed to respond to my dispute within 30 days and did not respond. I sent Transunion a second dispute letter certified mailed that they received on XX/XX/19. Transunion has had more than 60 days and continue to report unverified items on my credit report. I have attached photo copies of my records. Original color copies were mailed to Transunion. 

Note : Part of my SS # has been hidden in the attachment for security purposes.
Consumer complaint received 2022-11-09
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CMI Group, Inc. (NY)

This creditor is not licensed to collect debt in New York State and it is illegal for them to attempt to do so without a license from the state of New York. I also do not own this debt as I never lived at the residence in which they say the debt incurred.This creditor has not responded to requests to dispute. I have disputed with the credit bureaus, but it seriously damaging my credit report. I want to buy a house and such, but this collection is prohibiting me from being able to do so.
Consumer complaint received 2019-03-11
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. (WI)

Auto Loan still remain on my credit after it has been fully satisfied in the Full amount. This Auto Loan Was Fully Satisfied XX/XX/XXXX. This Auto Loan Is From XXXX. I Was The Seconday On The Account For My Brother. I Have The Sealed Document Of The Cleared Judgement.
Consumer complaint received 2015-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

We have had difficulties in paying our loan to Bank of America. Tried to set up electronic payment through our bank ( not a BOA ) when our loan was bought by BOA and the first month was a nightmare of issues of BOA, so we ended up sending a check but made it so we could track when it was received. Took 3 weeks to show it had processes. We were able to set up electronic payment ( not automatic withdrawal ) the next month. But it takes more than XXXX attempt to electronically pay. XXXX month it took XXXX attempts before it was able to successfully be paid and that was after us calling to complain and after BOA sent us a default notice by certified mail! It had only been 3 weeks and XXXX attempts to pay BOA. And when I called about the default notice, I was told there were no problems with my account. And that BOA sends the notice to all WA residents as information on our rights as WA residents and it was not a notice of default. I have spoken with a representative at WA XXXX XXXX XXXX XXXX and was told that BOA may have sent the notice after our XXXX payment being late ( 3weeks! ) but it was definitely a notice of default not just a informational letter as I was told when I called BOA. BOA has been extremely frustrating to work with since our loan was purchased by them 5 months ago.
Consumer complaint received 2019-03-11
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. (NV)

Recently, I've grown an interest in monitoring my credit. I am XXXX years old and I and my family are ready to purchase a home. As I've gone through the accounts, inquires, and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove as soon as possible. Attached will be my FTC report. 

Please remove these fraudulent inquiries listed below : Inquirer Name XXXX XXXX/XXXX XXXX XXXX XXXX XXXXT XXXX XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TX)

Amazon Visa card application. It provided a section where you can check if you prequalified without hurting your credit. Followed the link and received a congratulations you qualified. Started to and filled out application and submitted. It came back with you are not approved. So not only are they deceptive, but also intentionally hurting your credit score. I have excellent credit score of XXXX. Now it is affected by this intentional and willful act of deception!
Consumer complaint received 2018-02-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (LA)

Just as of last week I was interested in checking my credit score. So I went to XXXX and I saw that I had 1 derogatory mark on my credit report. I noticed that it was XXXX. I was a XXXX customer over two plus years ago, I had a two year contract. I had a monthly phone bill that I paid every month on time until I fell into a financial hardship at the end of my two year contract that caused me to miss and not pay, from what I can remember which was my last two phone bills. I was unaware of my remaining balance that I owed XXXX for my last two missed monthly payments. I never received a bill in the mail and I never received an email because I opted out of paperless mail. XXXX sent my last two payments I missed to a collection agency for the purpose of collection. I never received a bill in the mail for the balance that I owed on my XXXX account. I'm actually glad I checked my credit score because I would have never noticed that I still owed XXXX. I would like to become a XXXX customer again very soon because XXXX has a certain phone that I'm interested in buying soon and no other carrier has that phone available. In order for me to become a XXXX customer again I need to pay my remaining balance off.
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (CA)

Discover Card jerks harassing me into getting a card. 
Already reported to the FTC. 
FTC does nothing about it. 
I told them to stop calling me. 
They will not. 
I am on the do not call list. 
Well, that list is just a joke.
Consumer complaint received 2019-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I had a credit card payment to bank of america visa was applied three times, which was twice more than necessary. Three times the withdraw precipitated overdraft fees on my other bank account from which the payment was withdrawn. 

On XX/XX/2019 I manually paid a credit card bill of {$11.00}, which was due on XX/XX/2019. This was the total balance outstanding. On XX/XX/XXXX, another {$11.00} payment was automatically withdraw due to my auto-bill pay settings, but this should not have happened because on XX/XX/XXXX I had already paid. Then on XX/XX/2019 another {$11.00} was withdrawn automatically, precipitating more overdraft fees from XXXX XXXX. These two extra payments totally {$23.00} should not have happened and cost me {$36.00} in overdraft fees from my other Bank. 
I called Bank of America credit card services to complain and they said they would refund the extra {$23.00}, but it would take 5-8 business days. They said they would not refund my overdraft fees.