davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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. (NJ)

I am filing a complaint for the following inaccurate information on my credit report. I have highlighted the items that are inaccurate on my credit report. I have also attached screenshots of the inaccurate information on my credit report. 

The following items are inaccurate on my credit report : XXXX Incorrect account number Incorrect high balance Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect payment status Incorrect creditor remarks Incorrect last payment date XXXX XXXX Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect last payment date Incorrect credit limit XXXX Incorrect account number Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect payment status Incorrect last payment date Incorrect credit limit XXXX XXXX XXXX Incorrect account number Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect account rating Incorrect creditor remarks Incorrect account status Incorrect last payment date XXXX  Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect last payment date Incorrect credit limit To resolve the problem, please investigate this matter and contact the credit bureaus to have them update or delete this inaccurate information from my credit report as soon as possible.
Consumer complaint received 2022-02-17
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: Experian Information Solutions Inc. (AL)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2020-07-28
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (TX)

Last week XXXX, XXXX 2020 I had contacted our present mortgage company to ask for a mortgage statement and mortgage note, due to some unforeseeable circumstances our online privileges were revoked, which by the way is a huge inconvenience. I made them aware of the urgency of my request and after pleading with them they agreed to send me both documents, 5 days later i received a mortgage statement, missing was the mortgage note. I called to resolve the situation and this is where things went very badly. After being passed around I finally was able to speak to someone who agreed to fax the missing document, to my surprise, they faxed someone else mortgage note to our new lender who called me right away, I called my mortgage company back and one again I was transferred to several departments, I spoke with 2 managers who informed me that they had misplaced my file, in addition, they were very unaccommodating, I made them aware I was going to contact CFPB, this did nothing to help me, I pleaded with them to get me my mortgage note due to time constraints, that made no difference to them. on a last effort I asked to speak to another manager, there response was to email them and they would work on it, this is not unacceptable, I do not understand how they could mail me my mortgage statement but tell me they lost my file. I am in desperate need of your help,
Consumer complaint received 2022-02-17
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. (NY)

The Collectors know my credit history and I did not give them any permission to have my medical history and they can not provide access from the medical company.They shouldnt have access and that's a violation under the HIPAA Act of 1996 which state, Generally your health information can not be used for purposes not directly related to your care without your permission.
Consumer complaint received 2018-10-14
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)

The following accounts should be removed from my credit report due to the fact that I do not have, nor ever had a contract with any of the following and according to the FCRA law these accounts should be removed ..No Contract .... ( 1 ) XXXX XXXX XXXX {$920.00}, {$510.00}, ( 2 ) XXXX XXXX XXXX   {$480.00}, ( 3 ) XXXX XXXX XXXX {$160.00}, {$140.00}
Consumer complaint received 2018-07-22
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. (PA)

I submitted a dispute to Equifax for account verification and what i got back was a piece of paper with the amount of the debt and some dates not my personal information or a contract stating that that debt was mine. 
XXXX XXXX XXXX is reporting on my report but somehow XXXX XXXX is who supposedly verified my information with was not verified Equifax its reporting unverified information on my credit report and they are not conducting a proper investigation. 

XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-07-27
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. (AR)

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts.
Consumer complaint received 2020-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (IN)

On XX/XX/2020, I had my latest phone call with PNC regarding a security feature they put on accounts related to, what they call 3rd party apps not controlled by PNC. In question, I am a consumer of XXXX and was attempting to do a withdraw from my XXXX account to my PNC account. I received a message from XXXX after verifying my banking information that stated the following : " PNC has made a change that prevents you from being able to link your accounts. File a complaint with the CFPB. The Consumer Financial Protection Bureau makes sure banks, and other financial companies treat you fairly. You can alert PNC that you need access to your financial data by filing a complaint with the CFPB. '' I have spoken to PNC on 2 occasioins, with tonight being my latest call. In both calls, they said they would " note my concerns in my account '' and tonight, the representative hung up on me after I asked the date the change in policy accorded, reflect 3rd party apps, since as a banking consumer, I was not made aware of these changes prior to, and I have successfully transferred funds prior.
Consumer complaint received 2022-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MA)

Follow up to Caliber Home loans complaint filed on XXXX Documents to support my in initial complaint. 
1. Letter from Caliber detailing my approval for forbearance deferral and increased mortgage amount and payment date. 
2. Proof of full increased mortgage payment and date from XXXXXXXX XXXX which caliber claims I did not make or they put it towards the forbearance amount. 
3. Letter from XXXX  XXXX XXXX closing my CC because of Caliber 's atrocious Credit Bureaus Reporting against me. 
4.Letter from Caliber demanding {$36000.00} on XXXX or face foreclosure. 
THIS IS WHAT I AM CURRENTLY FACING WITH CALIBER HOME LOANS AFTER BEING IN AN APPROVED FORBEARANCE PLAN AND PAID MY FULL INCREASED MORTGAGE MONTHLY PAYMENT AS REQUIRED ON XXXX WHICH CALIBER APPROVED AND ACCEPTED.!
Consumer complaint received 2020-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (VA)

This complaint is about ( forced place insur ) XXXX insurance put on my mortgage paid bye my previous mortgage servicer XXXX XXXX XXXX 

XXXX XXXX XXXX notice to me saying they are no longer servicing the loan and that i will have a new servicing company S/N Servicing XXXX XXXX says that there are no changes to the loan except to mail it to the new company. 

XXXX New mortgage company starts charging me forced place insurance XXXX I ask S/N why are they taking out forced place insurance when there is a policy already in place, they would not respond back.
Consumer complaint received 2018-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I have been disenrolled from recurring monthly payments a number of times without being notified. My account has then been at risk of having a late payment. I have re-enrolled and again am disenrolled. Now the bank has removed the possibility of doing recurring payments on my mortgage account which is ridiculous and probably fraudulent.
Consumer complaint received 2018-05-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: United PanAm Financial Corp. (NY)

I took out the loan on XX/XX/XXXX. I was told at the time of the sale by the dealer and the finance company told me the same thing that I could refinance after 12 months of paying my payment on time. Not true. I would have never signed any paperwork at this amount knowing that I couldn't get a lower interest rate. I have completely struggled to pay my car payment over the last 4 years. I finally got my credit score so that I could trade it in but over the last few months Ive been in a traumatic apartment rental. I never received any paperwork about my car being reposed in fact the day before it was repoed I got a rehabilitation email saying they would work with me so that I could keep my car. They never gave me a chance to respond because the car was taken a few hours after I got that email. I called about how much I need and the first amount I was told was XXXX then I got paperwork dated XX/XX/XXXX and the amount was XXXX then I called again just to see what I would be told and it was XXXX. On XX/XX/XXXX I called and requested them to email me the amounts and was emailed another customers load paperwork. I called to alert them and at first I was told that they don't make mistakes like that but then I started reading it to them. They took the account # and asked me what I was going to do about it. This morning I called the New York State Attorney General 's office and they told me that it is against the law what they have done. But my question is that can not guarantee that they sent the other person my paperwork. I have asked for the return of my vehicle, the derogatory marks off of my credit, and forgiveness of the remainder of the loan. At first they were going to return my vehicle and refinance my loan, but my payment didn't change and I still owe 24 months of the loan. My privacy has been violated and they act like it's nothing.
Consumer complaint received 2018-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion has sent my credit report to an address I have never lived and they made the mistake twice this month. Now one of my accounts have experienced fraud twice this week. This is something that just started happening and Im not sure how it happened but Transunion had no business sending my credit report to an address that I dont live. An occupant of the other address provided me my consumer report if they had not I wouldve known it happened.
Consumer complaint received 2022-06-16
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. (FL)

N accordance with the fair Credit reporting act XXXX  account number XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C1681 section 604 A. 2 it also states A consumer reporting agency can not furnish account without my written instructions
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MA)

We got a bill for an annual fee for Citi Advantage card that we no longer used so we closed account. We have all our cc on paperless and pay in full monthly. So we saw a debit to our bank account for {$99.00} in XX/XX/XXXX and did not know what it was. So we contacted our bank XXXX and they said it was from Citi. We contacted Citi and using both my SS number and my wife 's they could not see any account in our name that we paid {$99.00} for. So XXXX returned this to our checking account. 
Three months later I received a collection letter for {$210.00}, with no mention for what. I found out after hours of calls it was from Citi. 
We have sent Citi a letter with supporting documentation of our bank account showing the charge and credit back in XX/XX/XXXX. 
We have received 2 notices confirming receipt of dispute on XX/XX/XXXX and XX/XX/XXXX. We still are getting monthly statements for this with interest so now it shows us owing {$210.00}. 
When I call the phone number on the dispute confirmation they tell me they can not find the account. 
Very frustrating since our XXXX score has always been over XXXX and we pay CITI over {$30000.00} per year on our Costco Visa. 
PLEASE HELP!
Consumer complaint received 2021-11-08
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. (NC)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2020-07-28
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Oasis Legal Finance Holding Company, LLC (LA)

I was told that an underwriter was deciding my case and I waited 7 days to hear an answer and on the last day I got two different answers one was they were still deciding and a minute later I was told Oasis do not deal with product liability cases in Louisiana but their advertisement says something different and I'm waiting for my lawyers to answer on what Oasis told them
Consumer complaint received 2018-05-03
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MD)

se told me we were in Underwritting. I was told they had all Letters and DOCS, and were in the hands of the underwritter. I was told 2 weeks and I would have an answer.Next thing I know XXXX calls and tells me that they now have my mortgage I find it sad that Chase played me the whole time. They kept finding reasons for delaying the final answer. Chase wasted 2 months. They could have had the whole thing wrapped up. But, They wasted my time. Now pretty much I have to start the Mod all over again. Wasting time seems to be Chase 's thing. Now I will have to begin the process all over again.
Consumer complaint received 2022-02-17
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 (OH)

Consumer Financial Protection 1700 G Street NW Washington, DC 20006. 


ATTN : DISPUTE/CLIENTN RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2021 Recently, I, XXXX XXXX XXXX was closed out of my relationship with two CAPITAL ONE credit cards. Accounts ending in XXXX and XXXX. 

AS you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim in adverse action against a consumer. Pursuant 15 U.S Coode 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). CAPITAL ONE has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2021 is both proof and evidence that I have been discriminated against, you are also criminally liable. Capital One should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 



Best, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2020-07-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, Company Inquiries : 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
Consumer complaint received 2021-11-08
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. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (OH)

This card was paid off in XX/XX/2014 and then someone used it and made fraudulent charges on it then defaulted on it I am part of the XXXX data breach.i am not responsible for this.
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

SO this is ridiculous, because after filing over 15 complaints with XXXX XXXX, XXXX  and Experian, my credit was at XXXX score but when their faulty lack of due diligence caused the fraudulent inquiries and accounts to happen, the score dropped over 4 points and even more on my credit. Then I file complaints, wait over 4 months for the credit bureaus to get their act together, and remove the fraud inquiries and then my score only goes up ONE ( 1 ) XXXX point. That is totally unfair for each bureau to falsely report fraud in the first place and then have jurisdiction over scores and refuse to bring them back to where they were. That is incredibly damaging to my credit still and causing me to lose my chance to own a home. After these numerous complaints being taken so lightly, I am going to the news with this because the credit bureaus are causing too much negative impacts on people and have ruined my hard work.
Consumer complaint received 2022-02-17
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. (GA)

On XXXX, Transunion mailed the result of an ongoing investigation regarding some negative accounts on my report. As seen from the attached exhibit, they mentions XXXX XXXX XXXX XXXX XXXX  XXXX was verified. i demand to see a full disclosure, audit, and paper trial of this investigation.
Consumer complaint received 2018-07-21
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: Castle Credit Co Holdings, LLC, Chicago, IL Branch (GA)

On XX/XX/2018 Castle Credit Co Hol, placed inquires on my credit file, and illegally retrieved my credit file. On this same day my wife, applied for credit with this company when she purchased a XXXX Vacuum Cleaner. I was not present, I was working that day. My wife did not consent to pulling my credit file. She has this account solely in her name, and has a signed contract with her name and signature on it. My speculation is they preferred for me to be listed on the account with her, but that is not legal. I never desired to do any business with this company.
Consumer complaint received 2017-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

They have escrowed my taxes into my account. But I Already paid the taxes. They are trying to say that they dldo paid them I called XXXX county of XXXX. Hey said there is no record of shellpint mortgage paying them. I have spoken with different people, written letters. Nothing has worked. This company is so unorganized. I do n't know how they stay in business. I hope they fix this problem soon. I can not afford to pay what they are asking. I tried to do loan modification. Even that was an ordeal with them. I wish they would help preople. Not just take their money