davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-10
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. (CA)

Transunion is tarnishing my consumer report by, displaying inaccurate information XXXX account number XXXX. This is information is false and is interfering with me receiving a loan.
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I written too the credit bureaus several times about the Capital one, that continues to report payment history as charge off since being charged of two years ago XX/XX/2019. Its ruining my credit as if the company is purposely doing this too affect my score, I'm trying too purchase a home as i am a single mother that wants too correct my wrong doings and move forward in my life. Please have this account deleted. Also they have that i was late 150 days XX/XX/2019 on XXXX 120 days late on XXXX  twice XXXX and XX/XX/2019. They show several inaccuracies with this account, Yet the credit bureaus refuse to fix or delete. I will attach my credit report too show proof.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (SC)

Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. 
All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, South Carolina XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. 
There are CHARGEOFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. There are multiple Hard Inquiries on my credit report that are NOT authorized, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX There are multiple Soft Inquiries that are NOT AUTHORIZED : 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 XXXX XXXX XXXX XXXX XXXX XXXX 
Per the FCPA as a protected consumer I have opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed. The Student Loans being reported on my credit MUST be removed. 
Student Loans on credit report is a violation of the Family Educational Rights and Privacy Act of 1974 ( FERPA ) The school agreed that they will not provide transaction history to any 3rd party.

16 CFR 433.2 & 313.7 - For all Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be shown.
Consumer complaint received 2021-12-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (FL)

Regarding my potential lender : Better Mortgage Corporation Better provided a loan estimate at the beginning of XXXX. Under the " Calculating Cash To Close '' section of their loan estimate while I was comparing lenders they incorporated a {$3700.00} credit on the " Adjustments and Other Credits '' line. 

This line item was never discussed until today XX/XX/10 after they removed it. I emailed them to ask about this line item on XXXX XXXX with no response. 

The response I received from them today ( XXXX ) the credit is their assumption that the seller has unpaid taxes which would lead me to bring less money close. How can any lender assume this and place it on a " good faith '' estimate? 

I noticed other lenders we've worked with or asked for a loan estimate from never assumed the seller would be providing tax credits or even filled in any credit on this line item within a loan estimate. 

This is very misleading. It played a factor in selecting Better as a lender. They removed it yesterday as I'm soon to close on my house. Now I'm expected to bring more than {$3000.00} extra to closing. 

I want to make you aware as a concerned consumer. I don't want anyone else to be blind sided by this type of situation.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I recently reported to the credit bureau that they are reporting wrong information on their credit report. After paying my monthly XXXX bill on time for approximately 14 years I notified XXXX on XX/XX/2023, I was moving out of state and requested my name be removed from my account. XXXX agreed to do this because my wife was remaining at the address, and she wanted to continue using XXXX and continue to pay the monthly bill. Although my name should have been removed on XX/XX/2023, XXXX failed to do this and continued to send my wife the monthly bills under my name. My wife contacted XXXX and they did not correct their error until XX/XX/2023. XXXX sent an email acknowledging their error and backdated the transfer date to XX/XX/2023. Included in my correspondence to you is a copy of the XXXX email acknowledging their mistake. My wife had enrolled in XXXX autopay and XXXX deducted each monthly payment from her checking account. XXXX even changed the account number. I have also included the monthly bills past the date when I was removed from the account. I have tried to correct the account with XXXX, but they do not allow me to talk to the person who will be conducting the investigation to explain the situation. You have to speak to a clerk who does not do the investigation and only says you are disputing the bill. I have also reported to the XXXX major credit bureaus that I do not owe XXXX any money, but the credit bureaus has not corrected or removed the negative reporting. As a result of XXXX actions and the credit bureau my XXXX score has been significantly reduced, probably raising the cost of my insurance and ability to obtain better interest rates. I am requesting your assistance in resolving this matter.
Consumer complaint received 2021-12-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

SPS is trying to put my house in foreclosure again. My bankruptcy case was recently dismissed and I asked SPS for mortgage assistance. First they said I just needed to send a RMA despite their website saying I need other forms. Then they said that they received all the documents they needed before I even sent the RMA. I dont think SPS is trying to help me with my mortgage.
Consumer complaint received 2021-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have communicated with the 3 major credit bureaus in regards to an account with Capital One NA ( that does not belong to me ) that is now charged off and impacting my credit. I requested to have proof of my signature from the credit bureaus of which they could not provide and the account remains. This account is now charged of to a collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ ( XXXX ) XXXX XXXX Amount : {$650.00} Account Number : XXXX : XXXX This company has been attempting to collect a debt that does not belong to me nor are they able to provide viable proof that this account with Capital One belongs to me. 

They have sent me documents that has an address that is not associated with me. The address that they have is not my current address nor have I lived there. I would like CFPB to hold Capital One accountable and XXXX XXXX XXXX XXXX for not legally reporting an account that is not mine. I have communicated with both entities via mail to request that this account is removed. They are not cooperating with the Fair Credit Reporting act to require an actual signature or supporting documents to prove this account belongs to me. 

This collection agency is practicing unlawful methods to obtain money for an invalid debt. 
I would like this account removed at once. 

Thank you, XXXX XXXX
Consumer complaint received 2022-09-26
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. (NY)

My name is XXXX 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 2021-08-25
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. (GA)

for the last few months XX/XX/21 XXXX I have contacted Experian by sending them disputes letters about misleading and incorrect information that they continue to post on by credit report without verifying the information they have failed to provide me with copy of any viable evidence, bearing my signature, showing the account is being reported accuracy Experian is reporting 12 difference XXXX XXXX XXXX each one is spelled difference and 1 XXXX XXXX also 9 addresses that's outdated also accounts for as XXXX XXXX XXXX account balance is incorrect, farmers furniture account is not late, first investor servicing crop Experian is reporting one balance and the other bureau is reporting something way difference also XXXX  XXXX XXXX was not verified before posting to my account, XXXX XXXX wasn't verified, XXXX XXXX XXXX/ total wasn't verified, XXXX XXXX account balance wasn't verified in my closing Experian need to follow the law just like everybody else do by verifying information before you posting on peoples reports
Consumer complaint received 2021-12-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (PA)

I have continually tried to contact fedloans.gov to confirm that my PSLF form has been submitted and receive information regarding my loan payments. each time that I call, if I stay on hold, I am on hold for over an hour and when the phone is finally answered it automatically hangs up on me. If I request a call back, it has taken as long as 3 hours to receive that call, and no one answers the line when I pick up the phone.
Consumer complaint received 2021-12-10
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. (FL)

I am requesting the credit bureau present proof to me that I opened up a XXXX  XXXX XXXX account number XXXXThis account is currently listed on my account as a charged off account. Under the Fair Credit Reporting Act I can make a debt validation request. I am now making that request for the above mentioned account.
Consumer complaint received 2021-12-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NE)

I am currently in process of a mortgage with Navy Federal Credit Union. I have several concerns including misinformation and dishonesty within the process. Currently, although I am told it was complete, they are refusing to provide me a copy of my appraisal, an appraisal that I paid for over XXXX  days ago and am told was completed on Originally our closing was set for XXXX, I had to call and email 3 times on XXXX to advise them that I had not received my CD and that I have enough knowledge to know that we could not close on time had I not received it that day. I was then told that my loan XXXX was out and had been for 4 days, and, oh yeah we'll just move that back. I've asked to speak with a supervisor several time. I have also emailed her directly. She has never returned my calls-she did reach out to my co-applicant, but did not answer my questions. I again reached out to her and she has yet to respond to me in anyway. I formally requested a copy of the appraisal again today. I emailed my request to the mortgage officer, her partner or back-up, and the supervisor only to receive an email from the agent telling me that we could not access the document. I'm told that the appraisal is what is holding my mortgage, but that it is complete, so clearly either someone is intentionally misleading me or there is a serious breakdown in communication and processing of mortgages within this organization. Furthermore, I am being told by the listing agent that no one ever contacted her to walk through the property and it is my belief that the appraisal has not been done and that I am being lied to. Either way, if they do not have this rectified by XX/XX/14 in time for the CD I will lose the house as seller advised he will not extend again. I shared this information with Navy Federal and were basically told that is unfortunate, but not their problem. I have paid a non-refundable {$500.00} option fund, a {$670.00} inspection fee, and {$550.00} for the appraisal. What recourse do I have if I am out those funds due to their inept servicing of my file? 
I would be happy to provide XXXX numbers as well as copies of emails if needed.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (GA)

I have communicated with the XXXX major credit bureaus in regards to an account with XXXX XXXX XXXX ( that does not belong to me ) that is now charged off and impacting my credit. I requested to have proof of my signature from the credit bureaus of which they could not provide and the account remains. This account is now charged of to a collection agency : MRS BPO , LLC XXXX XXXX XXXX XXXX XXXX, NJ ( XXXX ) XXXX XXXX Amount : {$650.00} Account Number : XXXX : XXXX This company has been attempting to collect a debt that does not belong to me nor are they able to provide viable proof that this account with XXXX  XXXX belongs to me. 

They have sent me documents that has an address that is not associated with me. The address that they have is not my current address nor have I lived there. I would like CFPB to hold XXXX  XXXX accountable and MRS BPO , LLC for not legally reporting an account that is not mine. I have communicated with both entities via mail to request that this account is removed. They are not cooperating with the Fair Credit Reporting act to require an actual signature or supporting documents to prove this account belongs to me. 

This collection agency is practicing unlawful methods to obtain money for an invalid debt. 
I would like this account removed at once. 

Thank you, XXXX XXXX
Consumer complaint received 2022-03-27
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: CITIBANK, N.A. (LA)

My credit card account from Citibank is not reported to XXXX credit bureau as XXXX and XXXX is reported. 

I am still waiting on this account record to be updated to reflect accurately on my credit report. 

Please Help! 

I notified Citibank on letter dated XX/XX/XXXX. 

I notified XXXX on certified letter dated XX/XX/XXXX. 


I have enclosed documentation and my authorization to investigate this matter.
Consumer complaint received 2024-03-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: TD BANK US HOLDING COMPANY (CT)

Acct # - XXXX Through CFPB I was able to get TD Bank to reinstate my mortgage statements, but I've been trying to get a written payoff amount and the company refuses to provide this information. 

I have XXXX XXXX, TD Branch Manager @ XXXX, CT also trying to help me get this information. This process has been going on since the beginning of XXXX, and their refusal is an indication of what type of company this is. I have spoken to XXXX the Bank Manager of the XXXX XXXX. 3 times and she has told me on several occasions that she is sending it to the local branch, but never has. I have spoken to the customer service on XXXX occasions since XXXX who indicate they are mailing it me by XXXX, and I have not received anything.
Consumer complaint received 2021-12-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP (CT)

Im disputing a property tax bill I received from Honda in the amount of {$630.00}. As shown in the attached DMV document the plates were cancelled on this vehicle effective XX/XX/2021. Honda is well aware that the return procedure for plates changed due to COVID-19 hence there was no option to walk into a local tax office to provide this notice. Further, I XXXX XXXX XXXX XXXX XXXX XXXX so the tax notice was sent to Honda and then billed to me making it even more difficult for me to dispute the tax bill since its not in my name ( due to the lease ). I have spent countless hours speaking to different representatives in an attempt to resolve this issue to no avail. 

I called XX/XX/XXXX and sent an email as evidence in the attached to request the refund Im entitled to but have not received a response or confirmation that the abatement process was initiated despite being told numerous times they would start the process. It has been approximately XXXX months of going back and forth and Im in the same place that I started. Honda can easily trace the calls by using my mobile number as listed on the account. As of today, a representative by the name of XXXX provided an abatement case # XXXX and stated it would take approximately XXXX months to reach resolution. 

This is completely unacceptable. I have replied to Honda Customer Survey concerning this matter, their contact center via chat support and phone and also by the email they provided. Today I was told there is no way to track the progress of this case and that they would not be sending any type of confirmation of this complaint and/or resolution. Please help get American Honda Corporation to do the right thing. Per my research they have multiple litigated cases for similar matters and unfortunately they are up to old habits.
Consumer complaint received 2021-12-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MI)

I contacted my credit card company to settle the debt that was owed. I was informed that my debt had been sold to Midland Credit Management and was provided a phone number of XXXX. I called and spoke with a woman with a foreign accent named " XXXX XXXX ''. I explained to her that my husband and I were in the process of obtaining a home equity loan to pay off our creditors, and that when I had previously spoken to my credit card company they were willing to settle the account for the amount of {$7500.00}. I explained that in the time that had passed that we received the letter from them and that our approval was given and our closing was scheduled, the credit card had sold the debt to them. I asked if they would be willing to accept the same offer that we were provided by the credit card company and that I hoped that they would because the loan acceptance was based on those figures. She said that she could not accept {$7500.00}, but would accept {$7700.00}. I said that would be great, and I would like to accept that offer. I asked if she would please send a settlement letter and she agreed that she would. I waited the whole day before calling back because I did not receive the letter. I called back at 4pm and was assured that I would receive a letter. I received an email with a link to click on that took me to their website. I logged in with my account information and saw that there was a " custom offer ''. I clicked the link, but it would not allow me to accept the offer. I have called back and spoke with at least three other people ( including a manager ) who are unwilling to generate a letter for me. How is that they have offered this amount to me to settle, but will not generate a letter stating such? The only thing that my online account states now is that I have made a payment arrangement in that amount, but it does not indicate that the account will be paid in full upon paying it. What is to keep them from coming after me for the difference after I pay them? They have not provided me with a statement to their figure that they said they would accept as payment in full. I know that they are capable of doing this because I have another account with them in which they did.