davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

our MONTHLY STATEMENT dated XX/XX/2021 total amount was {$1500.00}. 

On a statement dated XX/XX/2021, it became {$1900.00}, because they added Escrow ( Taxes and Insurance ) for the amount to {$400.00}. 

We paid our regular monthly payment of {$1500.00} and we did not miss a payment. 

We received a letter, dated XX/XX/2021, from XXXX, sub serviced by LoanCare XXXX LLC, cancelling the insurance coverage that they ordered and the amount charged to our account has been reversed. The impound/escrow account was also cancelled. 

We received the monthly statement dated XX/XX/2021, the errors were not corrected and a late fee was also added. We were never late in our payments. Our bank statements can prove it. 

On XX/XX/2021, we wrote a letter about the errors that were not corrected. We included a copy of our insurance coverage as evidence, which XXXX acknowledge on XX/XX/2021. 

On XX/XX/2021, we received a " payment reminder notice '', we do not know why, because we never missed a payment. 

Another letter arrived on XX/XX/2021, about being delinquent in our payments. 

On XX/XX/2021, we called Loancare and talked to XXXX and later on to XXXX. They said that everything will be corrected. 

On XX/XX/2021, we wrote another letter about the escrow and late fee errors. we filled the guidelines by CFPB, and we have not recieved any response. 

As of today, nothing has been corrected. I need your help
Consumer complaint received 2021-05-12
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. (CA)

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120 ) plus days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This loan was in deferment. I have attached the confirmation from XXXX XXXX datedXX/XX/2017of this account being in deferment. This false reporting of late is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-05-13
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 have sent out Multiple Letters to remove Fraudulent inquiries off of my credit report I have sent letters to both the creditors and Credit Buerros and these inquiries are fraudulent I then next contacted Transunion and XXXX  which I was violated my right under the FCRA by not helping me out denying me to even be transformed telling me that they can't do anything else wouldn't transfer me over to a manager or fraud department I was working with people that couldn't help me then I got transferred and my account was locked or Transunion but the funny thing is that I was just talking to the dispute department and she got angry when I asked to transferred and locked my account then when I asked to speak to a manager he was able to view it. Then He told me that they will send a letter even though I have sent multiple letters and I did it in a 30-day time frame so and they never answered me so now they must be taken off but still haven't taken them off. XXXX I have had multiple fraudulent inquiries and when I call them they have said almost the same thing but they had an update to their system so they couldn't update help which also violated me under the FCRA and I have been locked of my account for months and every time I call they can't seem to fix and say someone will call but no one has ever called so now it is time for them to take these inquiries off for never helping me get them off and they are fraudulent I have written multiple letters to them no reply. I have filed police reports and done everything they have asked me. XXXX has also never given me a report of my file and has violated that act in the FCRA. Both of them have not let me dispute inaccurate info. XXXX has also not given me a security freeze.
Consumer complaint received 2021-08-28
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. (TX)

FCRA VIOLATIONS : NOT MINE REMOVE IT : XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX - XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX  XXXX  Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX ( I Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX - XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX # XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX Contact info XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email
Consumer complaint received 2021-05-12
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. (FL)

I just check my credit through XXXX  's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX  stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.
Consumer complaint received 2022-04-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION (TX)

On Thursday, XX/XX/XXXX, I called the Check N Go debt collections number to let them know I am unable to pay the full amount I owe due to significant reduction in hours at work. I can barely pay my monthly rent, much less extra expenses. I agreed to pay what I could that day, which was {$40.00}. I told them I could call back on XX/XX/XXXX ( my next pay date ) to make another payment. The original person could not get my card number correct event after three tries. I asked to speak to a manager, as I was frustrated. The manager told me at first that if I just gave him the next date of when I would call in, it would take my loan out of active status and I would stop getting calls. I gave him the date, then he backtracked and tried to get me to commit to paying an amount on a specific date. I told him I do not want them withdrawing money out of my account automatically. He then told me I needed to commit to an amount in order to be taken off active status and not get repeated calls. That is not what he originally told me. I feel that he put me on a list and is punishing me because I was irritated with him and expressed my frustration. It is not my fault that I got reduced hours at work, and they need to work with me on payments that work with me.
Consumer complaint received 2022-01-25
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. (CA)

XXXX has reported late payments on my account for incorrect months in the past. They have even listed my date of last payment incorrectly. This account reporting inaccurately is hurting my score with mortgage lenders. 

Also, payment status is incorrect as this account is no longer late.
Consumer complaint received 2022-01-25
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was in business with a company, over a year ago I stop doing business and the account with the merchant. I realized they were still charging my card. I reached out to capital one and started a dispute they sent me documents to fill out and return which I did. They didn't take any action I asked to have that merchant blocked from accessing the account they not, tried to get the issue resolved with no solution they refused to protect the account. I had to freeze the account on my end so they can get to my account.
Consumer complaint received 2022-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

ON XX/XX/XXXX I had a chat with Capital One regarding late fees. They have been added to my account despite me making on time payments I placed myself on auto pay at the beginning of the year so that I wont miss payments. I set it to {$40.00} which was around the minimum payment for a balance of {$800.00} which is my credit limit where it has lingered for quite some time. Despite making my timely monthly payment, Capital One still chooses to tack on late fees of {$39.00}. It is crazy and outrageous and feels like unfair business practices. They have been doing this each month causing me to get further behind in my payments increasing the amount owed to them. Doing this not only prevents me from getting on top of my payments but allows Capital One to enrich themselves in the process. I am an XXXX XXXXXXXX at a XXXX XXXX  making below the federal poverty line. We are currently in a pandemic. They had placed me on a payment plan but I fell off some way some how where there were promises made to hold off on late payments. I asked ( please see the chat session ) if they could please waive the late fees that have been accruing on my account so that I can catch up and not pay these extraordinary fees which should be considered a crime. It is already bad enough that my interest rate is near 30 %. Capital One is not being reasonable nor fair in their dealings. I am putting this complaint through in hopes that this can be resolved.
Consumer complaint received 2022-01-25
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. (AZ)

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXXXXXX AND I WON'T ALOW IT.
Consumer complaint received 2022-01-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I feel I have been taken advantage of due to malpractice while several laws are being broken under the FCRA by your company. 
This has caused me financial injury and this is call defamation of character. This inacurate reporting has stop me from employment opportunities. 
Do to this law braking reporting I have been denied sba loans as well as new credit.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX repeatedly and deliberately put profits ahead of its borrowers it engaged in deceptive and abusive practices, targeted students who it knew would struggle to pay loans back, and placed an unfair burden on people trying to improve their lives through education Under 15 US Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
Under 15 US Code 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation any credit transaction supposed to be excluded from a consumer credit report, if a social security card was used in the transaction.
Consumer complaint received 2022-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Consumer complaint received 2015-09-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (MI)

Back in XX/XX/XXXX2015 my Chase credit card was compromised. I made several attempts to contact Chase but due to very long holds ( over 10 minutes each time ) i was forced to use the online platform. I informed Chase my account has been compromised and to close the existing account immediately and would make another attempt to contact them via phone. After more unsuccessful attempts I emailed Chase again a few hours later clarifying what happened and to resubmit me a new account with a new account number. Here is what followed : -Chase refused to provide me with a new account, this decision was made well prior to completion of investigation, violating our contract. 
- Chase provided untruth statements and without proper authorization submitted a brand new credit application. XXXX Chase has since acknowledged wrongdoing and removed the credit inquiry XXXX -I put Chase on notice via USPS and direct email correspondence payments would no longer be made until this account was rightfully resolved in compliance with our credit card agreement. 
- Further, I warned Chase about reporting inaccurate information to the credit bureaus concerning this account. 
- In spite of my clear communications Chase has reported this account as late to the credit bureaus. 
Due to Chase 's continued disregard for the law along with their reckless and deliberate violations the following damages have taken place. 
-My auto insurance increased XXXX monthly. 
- I have been denied a mortgage therefore unable to purchase a home- I have been denied credit- Most severely, I had a work promotion taken away by my employer XXXX XXXX after only two weeks of earning it. The promotion had entrusted me with personal and sensitive information of XXXX Michigan residence. The promotion also came with a monthly salary XXXX higher than what I was currently making. 
Next week I intend to file a lawsuit and will keep you posted.
Consumer complaint received 2018-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have concern that the credit score reported by all three credit bureaus has improperly decreased.

We recently started a refinance process with XXXX XXXX. When they pulled two of our credit scores XX/XX/XXXX XXXX  and Transunion rated my credit score as excellent to great ( above 760 ponts ). When XXXX pulled the additional credit report/score from XXXX a week later my credit score dropped 49 points ( XXXX points ). This has caused XXXX to deny us a refinance program that has acceptable terms with a credit score of XXXX. XXXX did pull the credit report a total of two times ( one from each credit bureau in a two week period ). XXXX explained the reason the credit dropped so much is because we have 18 inquiries into our credit report. We do not account for 10 of the inquiries and need to dispute the inquiries and drop in credit score. Can you help?
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (WA)

I'm using my rights as a Consumer to dispute inaccurate information of my consumer report. First Progress is reporting a charged off on my consumer report with a balance of {$190.00}. This was a secured credit card and which I made a {$200.00} deposit to open the account. I never received my deposit back after closing the account and any balance should have been paid off to zero with my deposit and the remainder sent back to me.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 

You and your inaccurate reporting have damaged my livelihood. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details, exact Prohibition : a law or regulation forbidding something
Consumer complaint received 2022-01-25
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: EQUIFAX, INC. (FL)

This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$460.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file. 

XXXX XXXX XXXX Balance {$460.00} ;
Consumer complaint received 2022-01-25
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. (FL)

This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$460.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file. 

XXXX XXXX XXXX Balance {$460.00} ;
Consumer complaint received 2022-04-09
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. (FL)

XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-09
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. (FL)

XXXX  In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$460.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file. 

XXXX XXXX XXXX Balance {$460.00} ;
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (CA)

I applied for a mortgage refinance from Caliber Mortgage on XX/XX/XXXX. They dragged the application processing by asking for the documentations multiple times while every time provided as per request. Finally I received a mortgage commitment on XX/XX/XXXX for a 3.15 % ( expiring on XX/XX/XXXX ). I contacted the agent as for the closing and was told that is in the work. Finally a week later he comes with a quotes of 3.75 %. When asked what happened to the 3.15 &, he said that they weren't ready when they sent the commitment. 
He then followed by committing the rate to 3.375 % APR. 
When the final approval arrived, noticed a closing cost of about {$7900.00} ( on a {$430000.00} loan ) and while the approval was issued, They still very continuing the screening : Asking for Tax Document Release, Contacting Employer for Verification, Etc.
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (IL)

I contacted specialized loan servicing who handles my loan and ask them if they could roll one payment over to the end of the loan so I could keep up with payments. They said that would be fine then they asked if I would like a forbearance during covid until things got better, I agreed and thought it was a great option because they said that I could eventually roll the payments back to the end of the loan and start over when forbearance ended and covid was over. Unfortunately covid continued and so did the forbearance, Every time we extended the forbearance I explained to them that I wanted to make sure I could pay the payments at the end of the loan and roll them over They said it wouldn't be a problem and kept extending the forebearance. Now that I wan na go back to work in XXXX I said I wanted to end the forbearance and start paying payments.. Now they're telling me they won't roll them over to the end of the loan and want me to do a short sale.. This was not our original agreement and and they wont change there terms with a refinance or just roll them over.. I didn't do this to get kicked out of my house at the end of the covid lock down right when I'm about to go back to work. I will be contacting A mortgage attorney to address this issue If they will not rectify this problem or let 's call it miscommunication..