davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
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. (TX)

I submitted a letter to the XXXX Credit Bureaus on XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Nation One Mortgage Corporation (NJ)

When the application was initially taken on XX/XX/XXXX the interest rate was 4.25 with no points but an origination fee of {$4100.00} based on a credit score of XXXX. On XX/XX/XXXX XXXX XXXX called to say that the interest rate went up to 5.375 due to the credit score going down. The final credit score on the closing documents is the same XXXX. At that time ( XX/XX/XXXX ) we asked XXXX if we could use another lender and he said no you can't do that. When we asked about the {$4100.00} origination fee XXXX said this loan was under water. I didn't know what that meant. With our settlement date less than 1 week away ( XX/XX/XXXX ) we thought there were no other options as we really wanted this home we completed the closing. In addition once we were made aware of the rate 5.375 with {$4100.00} origination fee we searched other lenders interest rates/fees and were told 2.625.
Consumer complaint received 2022-06-21
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. (AL)

I need to remove all addresses and jobs off my credit report. Those are not my address or jobs. My name is XXXX XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX. My job is XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 States I have the right to privacy
Consumer complaint received 2019-04-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC (NC)

This company has repeatedly call my home, my husbands cell phone. I speak with them about a payment that has bee made and they tell me they are going to check on it and don't. XXXX XXXX has twice reported to me that they are running my credit without my permission. This is damaging my credit scores. I tried to dispute this same thing in XX/XX/XXXX and today XX/XX/2019, I received a email from XXXX XXXX   stating that a new inquiry was added to my XXXX  credit report. I have no knowledge of this and did not give permission. 
We are responsible for our debts, but they keep giving me mixed emotions of what is really going on. My bank said a payment was made and I have proof. They tell me they are going to call me back once they check there records. I don't here anything about we discussed. They just keep calling for a payment.
Consumer complaint received 2019-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WI)

Navient used high pressure sales techniques to get me to consolidate my loans and take frequent forbearances.  When i asked if there was any down side or reprecussions, they continually said "no".  Come to find out that because I consolidated, I am not eligible to have XXXX  Loan forgiveness, even though I spent 13 yrs. as a XXXX and 5 yrs. as an XXXX in a XXXX XXXX district. They have continually refused to take responsiblity for this and have consistently denied my application for XXXX Loan forgiveness sighting that my loan consolidation makes me ineligible!  Had I known this, I would have never consolidated!
Consumer complaint received 2018-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (FL)

Pendrick Capital has been attempting to collect on an erroneous medical debt for at least a year now, despite multiple disputes to various bureaus and collection companies. Each time I dispute the debt, the account is deleted by the collection company only to be replaced by another. I reached out to Pendrick directly in XXXX 2017 and have received NO response. The collection merry-go-round continues and my credit suffers. This debt is NOT valid. I have medical insurance that should have covered the cost of this visit and have yet to see any verification of the debt to suggest otherwise
Consumer complaint received 2019-05-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE
Consumer complaint received 2018-06-16
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. (NY)

I'm contacting your company again because I just checked my credit report and now Equifax is also displaying fraudulent account balances to lower my credit score. Equifax is retaliating against me everytime I contact your company for help with fraudulent credit inquiries and accounts that the put under my name to lower my credit score. Now they are purposely reporting fraudulent balances on my XXXX   XXXX XXXX card in which they lowered my score 30 points because I had a so called balance of {$58.00} which is not true and I have attached supporting documentation because I have a XXXX  balance. They also lowered my score another 40 points for fraudulent accounts which are XXXX XXXX XXXX with a balance of {$420.00} and that shows up twice on my credit report once in abbreviation and XXXX XXXX XXXX   which these accounts are fraud and I want them removed from my credit report at one.
Consumer complaint received 2019-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On or about XX/XX/2019, an Arbitration award was awarded to XXXX XXXX in the amount of XXXX dollars for breach of contract between XXXX XXXX VS. CONSUMER FINANCIAL PROTECTION BUREAU, BANK OF AMERICA N.A XXXX XXXX and XXXX XXXX XXXX, attorneys representing BANK OF AMERICA N.A. XXXX XXXX. The property of XXXX XXXX is still being held unlawfully. My credit is still being reported as though nothing happened. I demand my credit be restored! I will now charge XXXX dollars a day until my credit is restored. This will be binding on all parties individually. Copies and proof of mailings will be provided upon request.
Consumer complaint received 2019-04-12
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. (AR)

XX/XX/2018 I reported a dispute with transunion on my account they never completed the dispute and they dont let me create another
Consumer complaint received 2015-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IL)

I owed a debt to XXXX. I paid the account in full and have a XXXX balance per the attached documentation. Experian refuses to show a XXXX balance, paid in full status, although I have provided the pay off letter numerous times which clearly shows, " Paid In Full, XXXX Balance ''.
Consumer complaint received 2018-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

I just ordered XXXX XXXX from Barclays. It was the first payment of {$47.00} I had to make, yet I couldn't find the physical card, which was mailed to me and which I needed to open an online account to submit my payment. Therefore I was 3 days late and was charged {$27.00} fee. I disputed it, but not fast enough, so another {$27.00} fee was added at the same time the original {$27.00} late fee was waived. 

It didn't make any sense to me, so I disputed the second fee too. My request was denied it looks like by a computer. I requested for a human to review my case, but instead I was slapped with a new late fee of {$37.00} and was given lots of suggestions about watching my account. Though obviously I have some experience with that, because I have several other credit cards and my XXXXredit score is above 800. 

There were actually no money I owned to anybody for my purchases. Just late fees on the late fees. So I disputed it again, mentioned about my good credit history, and explained that unless Barclays does what I see as sensible, I don't want to be their customer. As a reply I received instructions how to close my account. 

I followed them at once to avoid accruing even more late fees, and will appreciate your help with recovering the current {$66.00} of late fees and interest on a {$47.00} purchase, which amounts to about 140 % penalty.
Consumer complaint received 2019-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have discovered i have several alias 's and that i have at least 1 of the following invisible loans : auto, student, and mortgage. I have never opened any of these accounts, all of my student loans are paid in full. I would like to know everything about these invisible accounts as theyre all fraudulent.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (GA)

1 ) Per escrow analysis from mortgage company Mr Cooper, making an additional payment of {$2800.00} would put my monthly  payment at {$2000.00}, and in XX/XX/XXXX I mailed check # XXXX to Mr Cooper and wrote " escrow shortage '' on it. Therefore my monthly payment changed the following month ( XXXX ). Up to now I have no idea what happened to the additional escrow payment as Mr Cooper continues bill me as if the escrow shortage was not paid for. I have made numerous calls to no avail. I have spoken to Ms XXXX on XX/XX/XXXX, to XXXX XXXX on XXXX, to XXXX  on XXXX and everyone confirms having received the escrow payment, and said the matter would be resolved once they send a note to the Escrow department, but it remains unresolved seven months later. 

2 ) For the past 10 years, my monthly payments have always been timely. However, on my credit report ( XX/XX/XXXX ) my mortgage payments have been late 30-59 days as reported by Mr Cooper for which my XXXX  credit score has taken a plunge from XXXX to XXXX. This needs to be resolved at once. Calling Mr Cooper has been nothing but a waste of time, and energy. It's very frustrating.
Consumer complaint received 2022-09-15
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: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following information. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-02-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

My credit report has been perfect for over 10 years. Out of no where I got 2 collections : Opened XX/XX/XXXX ( 3 mos ) by XXXX  Amount : {$74.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX +++ Opened XX/XX/XXXX ( 4 mos ) by XXXX  {$62.00} XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX I always paid on-time in-full and cancelled or stopped the service promptly. There is no reason why this should have occurred. Someone fraudulently just reported these charges or the Company did not close out my account properly.
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (LA)

Rushmore Loan shows on my XXXX Credit Report that I filed for chapter XXXX. On XX/XX/XXXX. They also show on my XXXX   Report that my mortgage was included in a wage earner plan. My mortgage was reaffirmed with XXXX XXXX in XX/XX/XXXX when I filed chapter XXXX. I have always paid my mortgage directly to XXXX XXXX and when sold to Rushmore. My bankruptcy was discharged on XX/XX/XXXX I did not file for bankruptcy on that date as reported by Rushmore. Also my mortgage loan was paid in full in XX/XX/XXXX
Consumer complaint received 2023-03-20
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. (NJ)

Its been brought to my attention that there is inaccurate information being reported on my credit report. This willful error has caused harm to my well being and livelihood. The below accounts should not be on my consumer report.Pursuant to 15 usc 1681 ( a ) ( 4 ) - You did not ensure this information was accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to confirm that the transaction took place. As a result of this my privacy was breached and my right to privacy was violated. Pursuant 15 usc 1681a ( d ) ( 2 ) ( B ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate categorized as a transaction that was issued from a credit card. 

XXXX XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2018-09-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diaz & Associates, Inc. (KS)

The supposed company Diaz and Associates sent me a letter dated XX/XX/XXXX stating that I owe a debt of {$1000.00} but are willing to settle for {$190.00} If I paid by XX/XX/XXXX. They offered for me to pay by XXXX XXXX   to get it there quick enough. The letter states the original creditor as XXXX XXXX. bank. I contacted that bank and they have no records of me having an account there. I called the debt collection company phone number on the letter and got a very unprofessional person on the other line asking for my social security number. I told the representative that I had no knowledge of XXXX bank or an account I have ever had with them. The guy confirmed my name and email address and told me that XXXX is going to take action against me in court. He stated the debt from XXXX but Kansas law states the statue of limitations would not allow the debt to be sued on. I told the guy I had no knowledge of the debt again and would be sending a dispute letter. and he said I will be sued an hung up on me. The letter I received gave me no offer or knowledge to dispute the debt within 30 days of I believe it to be a mistake which is required by law. Nor was that mentioned on the phone. This seems to be a fraudulent situation. This debt has never been reflected on my credit report. This seems to be scammers.
Consumer complaint received 2023-03-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I opened one CD account with Capital one on XX/XX/2023 with an 11month 5 % interest ; I entered and confirmed the external account around XX/XX/2023 then opened another CD around XX/XX/XXXX. To date, the accounts have not been funded and I called my bank ( XXXX ) who stated they do not show anything coming in to transfer the funds over ; I have called Capital One twice, they keep saying they have had " technical '' issues with lots of customers and those are no longer available. they can not transfer the money and refused to give me any information regarding an ACH Trace to prove they even tried to fund it. They now say that CD is no longer available and I would have to request to open a new CD 's at 5 % but it would be 12 months and I will not get approval for at least 20 days.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MA)

I have an American Express card that I use rarely and pay off each month when I do use it. 
For period of XX/XX/XXXX through XX/XX/XXXX I received my statement showing a total of {$2500.00} in new charges which I agreed with. 

On XX/XX/XXXX, prior to the due date, I paid the invoice off in full. The next period was XX/XX/XXXX to XX/XX/XXXX in which I made no purchased but expected an invoice showing I had paid my balance but none came. 

The next period, XX/XX/XXXX to XX/XX/XXXX I did receive an invoice for showing no purchases and no payments. Although my balance does show XXXX, I have no actual documentation of the payment made on XX/XX/XXXX. 

After speaking with Customer Service I was basically told that that is how the system works and if I would have made a purchase during XX/XX/XXXX to XX/XX/XXXX I would have received an invoice showing the payment. 

I do not think I should HAVE to make a purchase to get an invoice showing that I paid my bill. I told them that if NO transactions had been made then I understand not generating an invoice. But the fact that I made a transaction ( the payment ) should generate documentation for me and apparently they do not want to provide this.
Consumer complaint received 2023-08-19
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. (WV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2019-09-04
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. (OH)

My name is XXXX XXXX XXXX DOB XXXX SS XXXX please delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. please remove the following addresses from my credit report they are not accurate please remove delete ASAP :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 AM HAVING ISSUE WITH MULTIPLES OF NAME VARIATIONS APPEARING ON MY FILE.
Consumer complaint received 2020-09-15
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I am closing a mortgage with Wells Fargo but cant complain enough about my process. 

I was told by a underwriter, my loan officer, the executive office, and my Lon officers boss that I was for sure going to be approved, something I am quite sure you are not supposed to say. Every self imposed deadline was missed keeping me buying my nails to the end. I continued with other lenders but when I put them on the titles Wells reasserted themselves onto my title without asking me all they said is they could for sure close. This kicked off another lender that had already approved me. It also means I now have no choice but to trust Wells to close my mortgage with no approval as financing deadlines are this week. This anti competitive and meant I had to go Wells Fargo not XXXX XXXX  XXXX. They have missed every deadline and would not honor my request to apply without my fincee despite me qualifying. Lastly I am applying with long term XXXX  income and I am aware of some violations in how my XXXX  income was underwritten. I am also XXXX  and they struggled to accomdate it by allowing verbal answers to the underwriter. I had to inform them they could not ask about the specific nature of my condition, medical questions, ask for policy documents vs. standard income verification I alerted them to HUDS guidance on grossing up post tax income. Honestly, Im aware of Wells consumer issues and this has been a awful, stressful, and predatory process