davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NM)

I was going over my credit report and there is inaccurate information in the details, accounts that was discharge listed that have been reported are not accurate XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX, please delete this account is not correct. There is a bankruptcy that is inaccurate. There are addresses listed on my report that are not mine : XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, NM XXXX Please remove the following phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have attached my ID for my address proof of my only address.
Consumer complaint received 2019-04-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Southwest Acceptance Finance Co (FL)

My problem happened on XX/XX/19 at XXXX where my car got repossessed for being 4 days late on my payment. I was cunfused since only being 4 days late I thought I can make a payment on my next payday which was 2 day from that. When I called them on the morning of XX/XX/19 to try and pay to get the car back they asked for 2 more paystub and insurance info. That gave my red flags why do they need more info when I just got this car 1 month ago with paystubs and all the info they needed so I can get the car. Still trying to pay and get the car back the lady refused the payment and told me that she needed to look into how much I got to pay to get it back. So still not letting me pay what was due which was {$270.00} she told me I would have to wait 48 hours more to find out how much I have to pay. Which I thought it was what was owed {$270.00}. She then told me she will call me by noon to let me know how much I have to pay to get it back. I never received a call from them instead I called them at XXXX to get a response on what I have to do to get it back instead I got laughed at and was told she was not going to help me cause she didn't like the questions I was asking. I then ask for my deposit to the car which was {$3000.00} cause I work hard for my money and it seem like they were playing games with me which I got laughed at again. I told her she was very unprofessional on how she was handling this and requested to speak to a supervisor which she told me she was the supervisor. I don't how financial companies can get away with treating people with no respect you are dealing with people 's money and lively hood as of right now I have not heard from them and now I get a busy signal when I call. Side note on my contract stats I have 10 day to make up missed payments before late fees not repo
Consumer complaint received 2019-04-04
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. (FL)

I have reason to believe that my credit report has been affected by identity thieves. I have always maintained agood credit score and have never experience any problems obtaining credit until recently when I checked my credit report. There are few items reporting that belong to someone else.
Consumer complaint received 2018-04-02
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. (FL)

For months, I've been in dispute with Equifax about incorrect reporting of information on my credit report. Opened a complaint. They recently sent me an updated " Results of Reinvestigation '' into a prior complaint against the company. However, they have " Closed '' the wrong account. They closed XXXX XXXX, account # XXXX, an account that I have had open since 1988. That is also a XXXX XXXX account. However, the account in question is my XXXX XXXX account, # XXXX, a CREDIT CARD. There should have been no action on my store card with XXXX XXXX. It's been fine for over 30 years! These people are the most incompetent bunch of folks I have ever encountered! Seriously! I hope they can get it right once and for all! I think this all points goes back to XXXX XXXX, and the original complaint I lodged against them because they instructed the 3 credit reporting companies to " DELETE '' all information about my credit card account with them because they were upset that I transferred my balances from their exorbitant card to one that was much more reasonable, with an extremely lower APR. That's what all of this mess is about!
Consumer complaint received 2019-04-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (GA)

More than 4 time I called them they pass me to XXXX XXXX XXXX 
XXXX  XXXX XXXX pass me back to collection department and they pass me to diversifild consultant and this cycle turned for three time. 
Just you owe nothing but they dont know what is the collection
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

i XXXX  I, had two credit cards with capital one which were both closed due to the neglicence of discover card and there reversal of a balance transfer that happened in XXXX and was reversed on without mine or my father in laws consent and was XX/XX/XXXX in the amount of XXXX on my platium card that i relay on to run my business and get the proper equipment and saftey materials for my techniacians. with this said i kept capital one in the loop the whole time sending mutiple faxes of updates and a signed letter stating what they were doing to XXXX institutions with out any consent and they should not exknowledge their claim for money back as all it did was result in two instiutions stating i owe them money as capital one sent it back to discover and discover claimed they didnt get it which then finally received it and then when asked to send it back to capital one they did not and i still did my due diligence and kept capital one updated and told them that this was a bank error with supporting documentation and that i will get them there money back regardless if i had to sue discover because discover still tried to collect money they reciveied from capital one from me and capital one telling me i owe them. with all the documentation and issues with discover it is their sole responbility to fix this error pay them and capital one has no right to close the account as it was a bank error and they told me it was closed due to the B/T reversal which they thought i did and i supplied them with the documentation stating we did not and the letters stating that they withdrew the disputes done in error but they didnt and went back and worth stating it was it was withdrawn to no one is responible to we owe both them and capital one and it is unfair for capital one to close my credit line that had a XXXX dollar balance piror to this incident and i have never missed a payment even as i was going through identity theft loosing XXXX $ and to this day still fighting to recover my funds. what capital one did was ruin a huge factor in building my company and growing it larger and producing for money instead they ruined my credit and said i owed them money with intrest and a closed account on top of that which hurt so bad i had lost so much money in business and emoloyees unable to hire and my XXXX year old son is getting hard to provide for and this is ashame not on capital for closing my accout fully but on both parties for there actions when i did everything in my power on top of my due diligence to keep them updated and aware every day of the circustances with documentation.
Consumer complaint received 2023-07-24
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. (MI)

In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights 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 XXXX XXXX XXXX ACCOUNT XXXX XXXX
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (DE)

I'm currently going through a divorce. And I have recently discovered that my wife has used my credit to apply for products without my consent. Because of this, I have received several inquiries on my credit report that doesn't belong. The dates of these inquiries are as follows XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-04-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC. (GA)

On XX/XX/2018, I received wire instructions by email, from XXXX XXXX XXXX XXXX XXXX, an XXXX real estate law firm with wire instructions to Sun Trust Bank. It should be noted the State of Georgia requires all real estate closing to be funded by wire transfer. This way the legal firm, broker, real estate agent and seller receive their funds immediately, while the buyer has no protection under Regulation E. 
The day of closing I was informed they had not received the wire. The wire instructions, I received from XXXX XXXX XXXX, did list the account number and amount needed for closing, but the account number on the form belonged to a fraudulent account opened by XXXX XXXX. I had conversations with the Fraud Department of Sun Trust Bank. I was informed the account was being monitored for fraud and I would get my {$79000.00}. I received information about the two branches involved. Then, I was told I am not a customer of Sun Trust Bank and all communications stopped. I wanted to review their account opening processes and training. I believe they were negligent in this area resulting in funds being misdirected at my expense. Notes are attached.
Consumer complaint received 2015-06-10
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Paypal Holdings, Inc (FL)

Paypal Credit, aka XXXX, did an inquiry on my credit report XXXX XXXX 2015. I never applied for credit with them. I saw this inquiry on my report so 6 weeks ago I contacted them and asked them to pull it, submitting certain documentation that they required. They have done nothing! Further I contacted XXXX ( case # indicated above ) and they pass the buck to Paypal saying they can do nothing about it. 
As inquiries on my credit report can hurt my score, I do n't appreciate PayPal or any other company making inquiries on me when I have not applied or currently maintain credit with them. Further I do n't appreciate XXXX in effect being a co-consipirator in this by passing the buck back to PayPal. 
I have go online and learned many other Americans have had inquiries on their credit reports as well from PayPal. A cease and desist order needs to be issued to PayPal and XXXX needs to be advised they can not take illicit inquiries. 

XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2019-04-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (FL)

I am the Borrower on my loan and I discovered that Caliber Home Loans has been discussing and giving out information on my loan to an unauthorized party without my permission. The party actually tried to do a contract of sale without my knowledge with a co-borrower who released all of her rights to the property in a court action. I contacted Caliber today and they acknowledged who ordered the payoff XXXX XXXX XXXX, XXXX XXXX @ XXXX. 
I spoke to Caliber and then I learned that this company was on my account since XX/XX/2019 without my knowledge or permission. 
They have been hired by a person name XXXX XXXX who is not on the mortgage or the note. 

Caliber has no right to give out information on my loan and these people actually tried to have sale on my home without my permission. My mortgage is current paid every month on time.
Consumer complaint received 2019-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I opened two travel credit cards with chase. These two particular cards were recommended by financial adviser. I opened a few other cards to built credit. I have rebuilt my credit. I had been paying for everything mostly in cash. We chose the cards according to travel benefits, points that were offered per approval. They make other offers per use of the card within the 1st three months. I used the cards booked all my travel as I travel for a living. The accounts were closed without any warning. Paid as agreed. I was sent a letter after calling to inquire about the closures. In the letter it stated I had to many new accounts opened in a short period of time. I asked about the terms of the agreement. I hadn't used all the benefits that were given upon approval of the cards. I asked how can I get the benefits that I earned per charging the card was apart of those conditions of the term of the card. I was told just continue to make the payments. I've read a lot of complaints of the same issue. It seems as though chase false advertising on their credit cards to get people to charge up the cards then prematurely close the cards without keeping their end of the agreement. Many of the reward through the airline only work with the use of the credit card at that time of travel.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

IVE BEEN A VICTIM OF IDENTITY THEFT SOMEONE WHO STOLEN MY IDENTITY APPLIED FOR CREDIT CARDS THAT IVE NEVER AUTHORIZED IVE REPORTED THIS TO THE FEDERAL TRADE COMISSION AND I DID A POLICE REPORT AND THE FRAUDULENT INQUIRY ARE LISTED BELOW XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX  Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022
Consumer complaint received 2023-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2023 I sent out dispute letters to all credit bureaus : XXXX, XXXX, and Transunion. I have not received any update on the investigation. It has been 32 days since they were sent out and I have not received any updates.
Consumer complaint received 2019-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (AZ)

I have had two ( 2 ) credit card accounts a savings account and a checking account with US Bank. The attached documents will prove this. 

I was never late with my credit card payments ( ever ). A branch manager treated me poorly regarding my checking account so I gave his branch a 1* XXXX review. At that time in XX/XX/XXXX, I filed a complaint with the bank to his supervisor a Mrs. XXXX as directed by another branch manager. She never responded. Then in as a punitive measure, the branch manager closed all of my accounts with no reasons given on XX/XX/XXXX. This has harmed my credit and caused me a great deal of difficulty as I was on vacation in another country when this action was taken. 

I called a regional office who told me " they could not see why in the world they would have closed my accounts ''. I was talking to a XXXX XXXX on XX/XX/XXXX who had all of my account information in front of her. She confirmed my statement about my excellent ( perfect ) pay history and asked me to send an email recounting my story and that she intended to escalate the matter because she believed I had been mistreated. This has since been confirmed by XXXX XXXX Operations for US Bank. 

I filled a complaint with CFPB ( case # XXXX ) on XX/XX/XXXX. US Bank has fraudulently told you that they do not recognize me as a customer ( reference your letter dated XX/XX/XXXX ). Clearly, the attached documents will prove they are untruthful and further avoiding responsibility. 

Based upon the foregoing and US Bank 's attempt to mislead your agency, I respectfully ask that you open a new complaint with this additional information. 

Thank you
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX  XXXX agreed to report the deferment to credit beauers due to late payment because of me being a victim of disaster and due to covid -19 losing employment. However, I was able to pay all past due amount to the current but it shows the late payments that they agree to report as paid.
Consumer complaint received 2023-07-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (DE)

Around XX/XX/2019, our Mortgage was sold to another Mortgage service bank. It was being serviced by Seterus, and now Mr. Cooper. There are three people on the existing loan -- myself, my mother, and my father. When we got documentation from the new Mortgage company ( Mr. Cooper ), we noticed only two people listed. We immediately contacted Mr. Cooper by phone and requested a correction to their documentation. They requested a Note from the previous loan, and stated they were still waiting for documentation from the previous Mortgage company ( Seterus ). In XX/XX/2019,  they sent an email stating we had to refinance our mortgage in order to add the third person ( myself ). We refinanced several times in the past ( approx. ten years ago ), and spent money doing so. We do not see any reason to go through this again, as it is not our mistake. We are not wealthy, and can not afford to correct their misinformation. I am writing this for any help in this unusual situation.
Consumer complaint received 2023-07-25
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. (MA)

I am submitting this XXXX CFPB compliant to follow up my dispute with certain remaining fraudulent inquiries in my credit file, which I believe are a result of identity theft. Once more, none of these inquiries are associated with any transactions involving the acquisition of goods, services, or money that I have authorized or made. Therefore, I kindly request that the XXXX, XXXX and TransUnion Credit Bureaus to block and remove any information in my credit file that originated from these alleged identity theft incidents : 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 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. I have no knowledge of these inquiries, and I also have concerns about the accuracy of the reported history, as some of the inquiries have already been deleted by the XXXX, XXXX and TransUnion Credit Bureaus. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2019-04-04
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: EQUIFAX, INC. (MO)

Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX/XXXX partial account number XXXX. ( Please see pages 6 and 7 from the attached credit report. ) This account is being coded as an M2 when actually this needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-09-15
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. (IL)

XXXX XXXX XXXX has reported on my Trans Union report on ( XX/XX/2017 ) I do NOT know what these are and they don't belong to me. i don't have any accounts with this company. I need these marks taken off my Trans Union report immediately.