davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Please investigate this fraudulent inquiry as I did not authorize this credit inquiry from your company. You are reporting inconsistent, incomplete and inaccurate information on my credit report and I DEMAND this inquiry to be permanently DELETED from my credit report. Please provide signed documents with my signature or any other documents showing I supposedly applied for an account on XX/XX/2019? Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. Thank you
Consumer complaint received 2022-12-14
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 LETTERS FOR REFERENCE
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/2019, there is a wrong address on my Equifax credit file. The address is : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX. I have asked Equifax in the past to remove it. This address is still appearing on my credit file. This address belongs to a hotel of business.
Consumer complaint received 2019-06-20
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: EQUIFAX, INC. (IL)

In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was working with XXXX XXXXXXXX XXXX for a loan modification to lower my mortgage payments. The entire process had taken over 3 months to resolve. I had communication with them including their coroporate office. The first modification amount was more than I was paying by XXXX dollars they kept making excuses regarding my account speciaist assigned to my case. The second amout was XXXX more than what I was paying. Once they had completed the process before being acquired by XXXX XXXX I was paying XXXX when my original mortgage was XXXX or less. XXXX kept transferring me to another account specialist which started the process again. I was instructed not to make a payment during the process. The next modification amount was even higher than the first one. At this point XXXX  XXXX XXXX told me they sold my account to XXXX XXXX who worked with me and lowered my mortgage. During the three months of disputing with XXXX they reported my account as late to all three credit bureaus. XXXX XXXX has since been broughtout by Mr. XXXX. As to date XXXX has not removed the 90 day history from my credit accounts and now I am trying to buy a new home and the 60 days late payment is hindering my credit and I need to have it remove. XXXX is non-responsive when I try to call and will not provide me with any additional information. Since being acquired by XXXX XXXX they were not able to remove any deragtory marks from my credit reports.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

Please investigate these fraudulent inquiries as I did not authorize these credit inquiries from your company. You are reporting inconsistent, incomplete and inaccurate information on my credit report and I DEMAND these inquiries to be permanently DELETED from my credit report. Please provide signed documents with my signature or any other documents showing I supposedly applied for three accounts on XX/XX/2018 and XX/XX/2018 and XX/XX/2018? Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. Thank you
Consumer complaint received 2020-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

TODAY IS XX/XX/2020. THIS IS MY TENTH COMPLAINT TO CFPB. CFPB HAS NOT DONE ANYTHING AT ALL TO GET EQUIFAX GIVE ME A FREEZE AND PIN AT THE CORRECT ADDRESS AND CONFIRM ON PAPER. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I COMPLAIN TO CFPB THAT EQUIFAX VIOLATES FREEZE LAW. EQUIFAX DENIES ME SECURITY FREEZE. EQUIFAX LIES TO ATTORNEY GENERAL THAT I HAVE A FREEZE. EQUIFAX CONFIRMS I DO NOT HAVE A FREEZE. GET ME A FREEZE AND PIN NOW. 
RESPOND ON PAPER. 

NO CALLS, NO EMAIL, NO TEXT. 

EQUIFAX DISCRIMINATES AGAINST ANYONE WHO LACKS A CELL PHONE. 


GET BACK TO ME IN A SIGNED DATED LETTER I DISCARD ALL BOILER PLATE LETTERS UNREAD UNOPENED.
Consumer complaint received 2019-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc. (GA)

I refinanced my mortgage through Better Mortgage. I closed on refinancing on XX/XX/2019. I was directed by Better Mortgage to make my monthly payment to XXXX XXXX XXXX, their loan servicer. I made a monthly payment as well as two payments toward the principal. In total, I paid XXXX XXXX XXXX {$3500.00} between XX/XX/XXXX and XX/XX/2019. Of the {$3500.00}, {$1200.00} was interest, {$480.00} was escrow, and the rest went towards my principal balance Sometime in late XXXX, Better Mortgage sold my loan to XXXX. However, when I received my first statement from XXXX, I was surprised to see that XXXX was not reflecting any of the payments I made to XXXX XXXX XXXX. I contacted all three companies involved : XXXX, XXXX XXXX XXXX, and Better Mortgage. XXXX and XXXX XXXX XXXX were telling me they owned the loan. However, Better Mortgage assured me XXXX XXXX XXXX was wrong and that XXXX owned my loan. When I asked Better Mortgage why my payments to XXXX XXXX XXXX were not being reflected by XXXX, they did not know the answer. As of today, XXXX XXXX XXXX and XXXX are saying I owe them my normal monthly payment on XX/XX/2019. In short, Better Mortgage has created an issue where two different lenders/loan servicers believe that I owe them for the same loan. I have tried to resolve this issue with all three companies but they all tell me they will investigate or look into the issue at hand. I am filing a complaint to ( 1 ) get assistance resolving this issue, ( 2 ) to inform others of the issue that I had, and ( 3 ) to help the industry improve and remove bad players who don't do things as they should.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

Please investigate this fraudulent inquiry as I did not authorize this credit inquiry from your company. You are reporting inconsistent, incomplete and inaccurate information on my credit report and I DEMAND this inquiry to be permanently DELETED from my credit report. Please provide signed documents with my signature or any other documents showing I supposedly applied for an account on XX/XX/2019? Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. 
Thank you
Consumer complaint received 2022-12-14
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 LETTERS FOR REFERENCE
Consumer complaint received 2021-06-11
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. (LA)

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 30 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 50 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file for litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2023-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

XX/XX/2023 received a letter from Bank of America ( XXXX XXXX XXXX XXXX XXXX that an application was made with my personal information to open a XXXX account. Received another letter same day and same date from Bank of America that they had " detected suspicious activity '' on my account. I called and spoke to a XXXX he said they would close that account and that I was not responsible for that account balance which is now at {$8100.00}. Received a letter at the beginning of XXXX dated XX/XX/XXXX from Bank of America that an application has been made in my name for a Bank of America XXXX XXXX XXXX. I called them on XX/XX/XXXX and talked to XXXX XXXX with Bank of America and he said there is nothing they can do for me unless I send them my social security number and account information. I ran a credit report and found multiple addresses using my name- I have cleared that information up and XXXX has removed the {$8100.00} BOA card from my report but I am not getting any help or assistance with Bank of American such as who is opening or at least trying to open these accounts. The Federal Trade Commission said that information ( by law ) I am entitled too. Can you please help me - I need this to stop.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MA)

I have Experian basic membership. I want to just have my credit report frozen. Won't do it unless I sign up for credit lock services. Credit lock is supposed to be free.
Consumer complaint received 2019-10-09
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. (CO)

Equifax ; XXXX and XXXX are reporting incorrectly late payments in XXXX and XXXX on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXX XXXX consistently did not apply the payments correctly to this account. XXXX billing department was not in sync with the other department and consequently the lates that are reporting in both XXXX and XXXX are false. I have been working with a representative from XXXX ( her name is XXXX XXXX and she is working diligently trying to resolve this reporting error of late payments. In addition to resolving the late payment issues, the current reporting of the balance due on this account is incorrect. The account balance information needs to be updated to report accurately as well. This account is current and in good standing. There are no late payments to report. I have contacted the ( XXXX ) bureaus to remove the lates however, I have not been successful.
Consumer complaint received 2019-06-21
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. (CA)

I have contacted XXXX & Experian several time to dispute the following information in my credit reports. 
XXXX XXXX XXXX XXXX AMOUNT - {$940.00} This item by Original Creditor : XXXX ILLINOIS, a utility provider in the state of Illinois placed to collections : XXXX XXXX XXXX is inaccurate because I HAVE NEVER LIVED in the state of ILLINOIS. 
It first appeared back in 2017 on my credit report under XXXX XXXX. I disputed it immediately with XXXX providing all the necessary documentation substantiating my claim and it was removed. 

Now it has showed up again after 2 years with a different collection agency ( mentioned above ). It is frustrating that I have to waste my time & energy again to take care of this. Both Experian & XXXX  are not willing to help remove it. It is causing a negative impact on my credit score and the home mortgage rates. 

To substantiate my claim I am attaching the following documents which I had already sent to Experian & XXXX 1. Addresses listed of all my credit reports 2. Most recent utility bill as address proof 3. Original Lease documents for the current residence in CA 4. Most recent utility bill I would greatly appreciate if CFPB can help me in resolving this issue.
Consumer complaint received 2018-06-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Hello, Back in XX/XX/2018 we were looking to buying a home and contacted Wells Fargo Home Mortgages On XX/XX/2018 XXXX XXXX from Wells Fargo Home Mortgages charged my Credit Card {$530.00}. He said I had to pay for Appraisal and only after my credit card was charged did I receive the " Loan estimate '' that is dated XX/XX/XXXX, I will attach the Wells Fargo Home Mortgages Loan Estimate with date of XX/XX/XXXX and my credit card statement showing my credit card was charged XX/XX/XXXX. 
I have removed the account number, the Consumer Financial Protection Bureau website saying that the only fee they can charge is Credit report fee and the fee listed for the Credit report is {$15.00}.
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (FL)

A company called CBNA/Citibank did a hard credit inquiry on me. This was not initiated by me. Is someone trying to steal my identity? 
They are located at : XXXX XXXX XXXX XXXX XXXX, SD
Consumer complaint received 2019-06-21
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. (WV)

XXXX XXXX SENT MY ACCOUNT - XXXX - TO COLLECTIONS AFTER IT WENT INTO DEBT ( I WAS IN XXXX ) XXXX XXXX DEBT COLLECTOR - XXXX XXXX WAS CONTACTED - AND THE DEBT WAS SATISFIED. XXXX XXXX HAS FAILED TO UPDATE MY CREDIT RECORD WHEN VERIFICATION WAS REQUESTED. XXXX XXXX WAS SEND ( 3 ) LETTERS - 1 Y CERTIFIED MAIL - WHEN COPIES OF THE DEBT PAYOFF - YET, THEY HAVE DONE NOTHING.
Consumer complaint received 2019-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: VALLEY NATIONAL BANCORP (NY)

This bank charged me {$1.00} this is ridiculous they tell customers to swipe their debit card as credit to avoid this fee this is ridiculous only bank I know Charging a fee to use your card with a pin its a secure way to Shop but they want to charge {$1.00} for every pin based transaction this should Be free I should have the right to use my money however I want without being penalized with a fee valley get rid of this XXXX  fee once and for all other banks dont charge this only you
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

last year around XX/XX/2018-XX/XX/2018 an account with capital one quicksilver account was shown to be delinquent/ charge off on credit card which was incorrect. the information that i receive in an billing statement showed where the payment was suppose to be mailed to ; which i followed then all of a sudden the account never was updated as being on-time, i spoke with the region supervisor about finding out if someone was fraudulent about updating my account. no, response occur over the duration because i had to contact the post office to see where the mail was delivered on time, and contact XXXX XXXX  to put a trace on the money orders which took 3months to complete!! 
capital one was hesitant instead and wanted myself too pay off account which was due {$300.00}. i said i would like to know where did my payments go and why did they not inform myself after the 1st payment was missed? they did not elaborate any more about my account and closed it without my consent or nothing. it was shown being charged off, then paid off 3months later.
Consumer complaint received 2017-05-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: DISCOVER BANK (LA)

I just applied for an application online & it states that 's it 's a secured website & it asked for all my information such as social security bank routing & account number & I called my bank already discusse d the information & I was also told to report them but I got an email saying to log into the account to check the sta tus of my loan & gave me a temporary password I tried to log in with the password given & was not able to I read all the reviews & they also had complaints about this website   XXXX    same situation could n't get a hold of them & or trying to log into the account they provided I just want to stop my application now because of the past conflicts along with all the information they required before " being approved '' im hoping I would n't have to change m y social & account  information but will do  ..  due to fraud
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have always made timely payments on this account and am therefore requesting that this late payment be removed from my account. It is unacceptable that this late payment is on my record despite my efforts to pay on time each month.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GLA Collection Company, Inc. (KY)

GLA continues to report inaccurate medical bill information on my account. Either the co pays have been paid or they are reporting in-accurate amounts. The also report duplicates of accounts, which have incorrect data.
Consumer complaint received 2019-06-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Terrill Outsourcing Group (NC)

Someone called me and asked to speak to me. I asked who is calling and they told me XXXX XXXX debt collection. Requested my date of birth for verification, I didnt give it to her and I asked what it is regarding, the person then proceeded to call out my date of birth. I asked again, what this was about and she asked for the last four of my social. I told her I wasnt giving that to her until I know what the call is about. She proceeded to call out the last four of my social! Then rambled off what the call was for. I asked to speak to a manager or supervisor and instantly regretted it. The man, XXXX is his name, that I spoke to was so rude to me. He tried to tell me that I agreed to the information for verification purposes. I kept telling him that at no point did I share that information but that his employee gave it to me. I told him that I was upset because it could have been someone else on the line. I asked the name of his company again and he continued to be extremely rude and started mocking me. I hung up and called back. In the middle of explaining the situation, I was put in hold and he was put back on the phone. I asked to speak to anyone but him and he told me that he owns that company and its private. They call me multiple times a day and on top of everything, I do not even owe them money!
Consumer complaint received 2019-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Recoveries, Inc. (MI)

My husbands student loan is currently being serviced by National recoveries inc. we have been trying to get his student loan out of default since XX/XX/XXXX. The loan servicer said we had to make 9 consecutive payments to get him out of default. We have our payments set up for automatic withdrawal and they said they also need the loan agreement which we have signed and mailed in twice and they said they need reference we told them we do not have any reference to give them because we are already making the payments each month we don't want them bothering our friends and family. They said even if we still make the payments and send in the loan agreement with out the reference they wont take the loan out of default and still try to take my taxes each year. We are not applying for a new loan so we don't know why they need reference if we are already making payments the women told us they need the reference so in case they can't get a hold of him but every time they call he answers. Its not right that they say they wont take him out of default even though we are making automatic payments. It's like they trying to hold us hostage for our friends and families phone numbers.