davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
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. (MT)

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed and removed or updated them without incident. You, however, seem to claim you've verified the accuracy of the information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.. I need the account corrected now! 

XXXX XXXX
Consumer complaint received 2024-03-08
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: EQUIFAX, INC. (NY)

Enclosed is a detailed compilation, along with corresponding dates, of hard inquiries on my credit report that were not authorized by me. It is imperative to note that these unauthorized inquiries were conducted fraudulently, significantly hindering my ability to secure a new home for myself and my family. 

XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

I kindly request that you conduct a thorough investigation into these unauthorized hard inquiries and provide me with detailed information on their origin and purpose. Furthermore, I am seeking confirmation of my handwritten signature or another form of documentation that validates my authorization for these specific credit inquiries. I understand the importance of maintaining the integrity of credit reports and appreciate your prompt attention to this matter. Please keep me informed of the progress and findings of your investigation. Thank you for your assistance in resolving this issue promptly.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

Please refer to previous complaint # XXXX. Experian continues to report a collection account that was to be removed as a result of the CFPB previous investigation. It is still on my credit report and seems to be impossible to remove!!
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I filed a dispute on XX/XX/XXXX for a charge of {$390.00} from XXXX XXXX. I was provided a conditional credit until the dispute was resolved. 
On XX/XX/XXXX, I received notification that the dispute had been resolved in favor of XXXX XXXX   following a review of documentation provided by the business and the charge was put back on my account. The documentation was included online for my review and it was quite obvious that it had not been reviewed by Citi Cards since it contained a resume for and correspondence with someone other than myself. 
I sent an email to the dispute center and copied the executive response unit outlining the details, providing my own documentation, and stating my objection to the decision. 
On XX/XX/XXXX, I received a voicemail from XXXX XXXX from the Citi Executive office. She said she was reviewing the case and would get back to me. In the meantime, a conditional credit was being added back to my account. 
On XX/XX/XXXX, I reached out to XXXX to follow up. She returned my call and let me know that she could see that the merchant had provided documentation that did NOT pertain to my transaction. She explained that she would have to follow up with the merchant allow them time to respond. 
Today is XX/XX/XXXX. I have left voicemails for XXXX twice this week. If she's on vacation, her voicemail recording does not mention it. I have not heard from her since our conversation at the end of XXXX and the dispute center lists the dispute as " IN PROGRESS ''. 
It is my opinion that the documentation I provided is thorough and complete. The merchant has had ample time to respond with ACCURATE material and Citi Cards has had more than enough time to resolve this dispute.
Consumer complaint received 2018-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Biehl & Biehl, Inc (CA)

We are a music company and have a music convention at the XXXX XXXX every year where members and the guest fly in from all over the world to attend. Sometimes these guest have items shipped directly to the hotel. 

On XX/XX/XXXX, I received a phone call from XXXX XXXX at Biehl & Biehl , Inc. collection agency stating there was a {$95.00} balance due from XX/XX/XXXX for a redelivery charge. I asked him to email me the bill since we always pay our bills on time. 

After reviewing the bill and contacting the company who shipped the item, it was confirmed that this was not our account. I have repeatedly stated this to XXXX who becomes more aggressive in his calls and emails and keeps telling people on staff who answers the phone that we owe them money, which we do not. We have never ordered from XXXX XXXX and XXXX XXXX keeps harassing us over an account that is not ours.
Consumer complaint received 2019-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CO)

I obtained a mortgage in early XX/XX/2019 through XXXX XXXX XXXX XXXX, XXXX. I mailed in my first mortgage payment in late XXXX. On XX/XX/2019, I called XXXX XXXX to confirm they had received my check.They had not. On XX/XX/2019, I drove to XXXX XXXX 's physical location to drop off a physical check to ensure that I was not late for my first mortgage payment. To further ensure I would not be late, I dropped off checks dated XX/XX/2019, XX/XX/2019, and XX/XX/2019, which according to the receptionist was acceptable. Each and every payment amount in this situation is for {$1700.00}. 

Specialized Loan Servicing ( " SLS '' ), serviced by XXXX XXXX , XXXX, assumed my mortgage on XX/XX/2019. They applied the XX/XX/XXXX payment to my account, as well as some left over funds from escrow. I woke up on XX/XX/XXXX to discover that SLS had cashed the XX/XX/2019 check. I quickly set up an account on the SLS website to discover that it had not yet been applied to my account. I called SLS and voiced my concerns and they told me that sometimes it takes a few days for the payment to process. 

Checks XX/XX/2019 and XX/XX/2019 were returned to the address on the check with a note saying they did not accept post-dated checks. 

I checked the SLS website again on XX/XX/2019 and saw that it still had not been applied. 

When I checked the website on XX/XX/2019 and saw that it still had not been applied I called and provided proof that the payment had been withdrawn from my account via bank statement stating that SLS had converted my physical check into an electronic check and then cashed it. SLS opened a research ticket into this matter on XX/XX/XXXX. 

I called back on or around XX/XX/2019 to inquire about the status of the research ticket. I was informed that these matters take awhile and that I should permit about 10 business days from the opening of a research ticket. 

Today, XX/XX/2019, I called to check up on the status of the research ticket. My complaint was dismissed the previous week as resolved because the researcher thought the issue dealt with the returned checks. Not only was the researcher blatantly wrong, I was never notified of the decision. I spent 30 minutes on the phone describing the situation exactly. SLS opened another research ticket and I was told to expect a resolution within 30 days. 

I do not trust SLS to understand this situation, nor to resolve this matter as desired. I further fully expect to have fines applied to my account for late payments because I will not send money to SLS because I do not trust them to actually apply it to my account.
Consumer complaint received 2019-03-28
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. (FL)

Please deleted this incorrect information.I have a 30 day late payment on XX/XX/2017 on my credit report. XXXX XXXX XXXX ACCOUNT # XXXX.I was never late.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer report agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2018-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MI)

My mortgage was handled by XXXX XXXX XXXX when we received the load it was then transfered to freedom mortgage. Somewhere along the way and neither one of them know. {$1600.00} vanished from my escrow account. Now I have to pay it back or my payment will jump {$150.00} per month. I paid the check today although it will put us in a bind for a while.

I've called them three times to deal with this. 
It's pretty simple I pay {$3000.00} a year taxes/insurance/fees I pay XXXX month in escrow which equals {$3100.00} there is no way I'm missing XXXX in escrow I have had for 2 two years.

I see online that both companies have been in trouble for shady policies in the past. How is this stuff still possible after the shady mortgage problems in the last ten years.

How are these companies still allowed to even transfer loans like they do. 
I want this looked at since apparently I'm told a lawyer will cost me more than just giving them the money like I have to do. 
Thanks
Consumer complaint received 2019-07-26
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. (OH)

In applying for a new XXXX XXXX credit card, Equifax credit report informed me of {$11000.00} outstanding balance from a XXXX  XXXX XXXX credit card that I never opened. The card is >120 days past due. This has decimated my credit. I never did any business with XXXX XXXX XXXX, ever. I never opened a bank account, debit card, or credit card with them. I don't even know where they are located and never been to any XXXX  XXXX XXXX location. My banking in the last couple years has been with XXXX, XXXX, XXXX online, and now XXXX. Equifax has reported this as fraud and advised me to file an FTC complaint. I received a letter from XXXX XXXX XXXX a couple months ago about an outstanding account and called them to dispute. Once I got to a reputable person, they said they had no accounts with my information and I agreed I never did business with them. I never received another letter. Something is very wrong, this is fraud of some kind. The last 4 digits of the false XXXX account is XXXX per Equifax. My Equifax Confirmation # is : XXXX -XXXX XXXX XXXX.
Consumer complaint received 2018-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

In XXXX of 2017 my vehicle was Repossessed, during that time the title was taken out of my name. 
I paid the fees to get the vehicle back and also signed paperwork to have the title returned to my name, I was going through a Divorce at the time and loss track of the matter. I recently went into my local DMV to renew my Registration and was told, I could not get the registration renewal because the vehicle was not in my name, I called Capital One Auto finance and they refused to give me a Straight answer, my Tags are Expiring  soon and I am driving illegally.its been a year since the vehicle was Repossessed and I still don't have a title, so I'm more or less Leasing this vehicle but paying, high interest 21.99 % and high late fees .... 
This had to be XXXX!!!!!!!
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I recently reviewed my credit report. I was shocked to learn I have been a victim of identity theft. I found recent inquiries not done by me. This situation has caused my score to decrease. Please remove it from my credit report as soon as possible.
Consumer complaint received 2023-04-04
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. (NY)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Transunion for their failure to remove all negative accounts from my credit report. Despite my repeated attempts to dispute the installment accounts that have been reporting as late and closed, Transunion has failed to conduct a proper investigation and remove these items from my report. Moreover, they have failed to respond within 30 days of my previous disputes. 

What's more, Transunion previously removed these installment loans from my account, only to report them back on. This type of behavior is illegal, as stated under the Fair Credit Reporting Act ( FCRA ), which prohibits credit reporting agencies from reinserting previously deleted information into a consumer 's credit report without notice and a reasonable time to respond. 

Transunion 's actions have caused me significant financial harm and stress. I am requesting that Transunion immediately remove all negative accounts from my credit report, as well as provide me with an updated credit report free of charge. Additionally, I urge the CFPB to take action against Transunion for their non-compliance with FCRA regulations and their negligent behavior towards consumers. 

Thank you for your time and consideration in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Capital One Credit Card, sent me a card that I did NOT apply for or request in XXXX, XXXX. I returned the card with a written letter that I had not applied/requested this card. 

I checked my credit report and my credit report XXXX due to a notation by Capital One, between XX/XX/XXXX and XX/XX/XXXX. Checking my credit report I found 2 different notes, stating I had closed the Capital One account. 

1 ) Dispute resolved, consumer disagrees, account closed by consumer. 
2 ) Account closed by consumer. 

My credit score should not suffer because I cancelled a credit card that I did not request.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Bank of America purposefully and knowingly reported incorrect account information regarding my personal credit account. I have documentation showing that they would mark it as paid in settlement, however they have listed it as a charge off. 
I paid the account off for a settled amount in XX/XX/2022. 
I have a letter on Bank of America letterhead stating that it was paid for an amount less than the full amount, and that the account would be listed as paid for less than account total. 
My credit report shows that it is listed as a charge off for the full amount. 
I have filed with the appropriate credit agencies, however this is a purposeful and malicious action on the part of Bank of America to destroy my credit as evidenced by the amount of time that this has been left incorrect.
Consumer complaint received 2019-01-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Home Loan Center, Inc. (SC)

Applied for a personal loan through lending tree, was contacted by a XXXX XXXX from XXXX XXXX XXXX @ XXXX, then onto a direct number @ XXXX out of Georgia on XX/XX/18. He stated I could set up a loan to pay off some hospital debt and clear up my credit, with a personal loan. I had to purchase insurance for it, by linking my account with XXXX XXXX XXXX  purchases totaling {$800.00}. He says they mobile deposit through your bank account login with a check from XXXX, XXXX for the {$800.00} to make it credited that day. Then the routing number is set up for the loan/automatic payments, and you reset your login/password. The deposit becomes fraud, and is not accepted by the bank. He said they write reports to the FTC to report for credit scores, therefore trying to convince the consumer into a loan program for helping you. 
I also received a strange threatening voicemail from an unknown caller in a voice altered tone, the day after blocking both numbers. Just said ( my name ), your next. I was being bombarded with loan offers and still continue to get calls and emails, so Im not sure if this was related. After applying through lending tree, I felt preyed upon being a low income single parent
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer report agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-30
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these items ( XXXX ). ( A ). 

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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

I have been making my mortgage payments on time for years. XX/XX/XXXX and XX/XX/XXXX I changed bank and contacted the mortgage company so they can take payment from me over the phone. Since they had already process the may payment from the account on file, they had refuse to take a second payment from me over the phone. 
Meanwhile, says are passing by without any sign of them getting the payment even though I had money to cover three months if they wanted to help me. Now I need to have the PMI remove from my mortgage, they tell me that I am not qualified because of the late payment of XX/XX/XXXX. 
Please help me resolve this matter. 
XXXX XXXX
Consumer complaint received 2021-06-10
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)

HELLO IVE BEEN TRYING TO REACH OUT TO THE THREE CREDIT BUREAUS. ABOUT THESE INACCURATE NEGATIVE ACCIOUNTS THAT I BELIEVE ARE NOT MINE.I SENT A LETTER REQUESTNG THAT I WANTED TO SEE VARIABLE PROOF OF THE FOLLOWING ACOOUNT THAT I HAVE NOT RECEIVED. I HAVE DISPUTED 2 TIMES. ALL THREE BUREAUS ARE IN VIOLATION ON 15 USC 1681B. XXXX XXXX XXXX {$27000.00} I HAVE BEEN DISPUTING SINCE XX/XX/2021 ACCOUNT NUMBER- XXXX.
Consumer complaint received 2019-07-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

Bate and Switch Tactic was used. 

I was told a rate and price up front with all needed information- rate lock and pricing sheet signed. 

I gave an accurate value of my home and appraisal supported. 

I am now being told that because my home is above 60 % LTV that the cost goes drastically higher. Based on the loan balance and value stated- it was always going to be above the 60 % threshold. 

I feel like the initial banker used inaccurate info to process the original estimate knowing that they could not fulfill but locking me in and making me come out of pocket for the appraisal fee.