davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
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. (NY)

Good Day, I have a collections account on my profile that should not be there. I contacted the company many times trying to resolve and get the collection removed but to no avail so i'm reaching out to CFPB in hopes that this can be resolved quickly as it is causing major issues for my mortgage loan. I have a short window to get this resolved before the bank makes the final decision and my family is depending on me to provide. XXXX XXXX I, XXXX claims i owe {XXXX and that is incorrect! Collection opened XX/XX/2018. 

Thank you in advance for clearing this up so that my family and I can get the mortgage loan needed to provide a safer environment for our children.
Consumer complaint received 2021-07-18
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: JPMORGAN CHASE & CO. (GA)

I have several inquiries on my credit report that were not authorized and are unknown. Ive tried disputing with the companies but I was told to dispute with the credit bureaus. Ive disputed with the credit bureaus several times but XXXX XXXXs the only bureau that removed the inquiries. XXXX and XXXX have not removed those inquiries. I have not given my authorization for the inquiries and I do not recognize any of the companies. Ive asked for them to send me written proof of my signature of authorization and they can not provide this information. I would like for these inquiries to be removed from my credit report for all reporting bureaus.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

Citi bank closed a brand new account without warning. 
Was told I would receive a letter in the mail, along with my frozen deposits. Have yet to receive any form of communication since XX/XX/XXXX with the account was closed with no reasoning / communication. 
As a single mother, it set us back financially, months, and kept my paychecks from being deposited. 
I have called multiple times and emailed now 5+ times.
Consumer complaint received 2018-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (TX)

Amex raised my interest rate 4 % without any notice or explanation. Ironically I had paid off {$10000.00} in credit card debt the previous month including {$4000.00} to Amex, so I can only infer this is punishment for paying down my debt and an attempt to make up lost revenue.
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

I am reopening complaint number XXXX. 
This issues have not been reoslved despite repeated attempts on my end. The instructions from the IT department were insufficient. They did not work and it is not the issue. The issue is that IT did not close out the last prior loan. Please ask them to re-open and resolve the complaint. It should not have been closed in the first place.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I reached out to Experian, XXXX, and XXXX yesterday XX/XX/XXXX via phone call. XXXX had me on hold and transferred me 6 times and hung up in my face. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. I have not and do not consent to any of the misinformation to be reported under XXXX5 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have disputed XXXX XXXX XXXX XXXX that this account is being reported inaccurately on my credit report for well over a year now. There are several inaccuracies in the reporting of this account. The date of last activity is different on each credit bureau by YEARS. Also, this account was charged off years ago but continues to update as though it is a live account which is an FCRA violation. I have asked this creditor to provide validation of the information that's being reported on this account to no avail. I have ALSO asked them to update this account with the proper information so that it's reporting accurately to no avail. The presence of this account on my credit file has kept me from getting funding for my business amongst other things. As a result of their inability to accurately report this account and remain in compliance with the FCRA and FDCPA, I am requesting that this account be removed from my credit report immediately.
Consumer complaint received 2018-12-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (LA)

There is a debt on my credit report from i c system inc, for a XXXX XXXX bill, this is my XXXX time disputing this account and getting it removed only to be resold to another company. The first time this account posted by collection, i contacted XXXX XXXX, and through there investigation the concluded that this was a fraudulent acccount
Consumer complaint received 2021-07-18
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: NOVAD Management Consulting, LLC (AL)

A corporate raider took over the company where I had worked for 40 years, sending my job to XXXX and my XXXX to XXXX only knows where. 

This resulted in a financial disaster. A situation made worse after my lengthy hospital stay and my wife 's XXXX XXXX ( She recently passed away from XXXX  XXXX. ) Financial and credit advisors recommended a reverse mortgage on our house. This was not something I wanted to do but had little choice. 

We took a second mortgage to get some debt relief. We were told that we would get to live in the house until we died, as long as I kept the insurance and taxes paid. Which I have done. 

The mortgage went through a half dozen or so lenders with no problem. Finally, ending up at Novad and it has been a hassle ever since, with Novad even ordering me out of the house on two occasions. 

Novad is evicting me again ; a letter dated XX/XX/2021 directs me to be out of the house by XX/XX/XXXX. That I should empty the house and leave the key in the door. 

They never state plainly why this has come about, only that I have not kept one of the mortgage agreements and the payment is due. Which broken agreement is never stated. Only that I should empty the house and leave the key in the door. 

My calls to Novad have not resulted in my learning what the XXXX is going on, or what I have done to be kicked out in the street. I have never received the return calls promised. 

It is not easy on a Social Security income, but I have paid all the taxes and kept the insurance in force. If there is some problem, I would think they would let me know by mail or phone and give me a chance to correct it before evicting me from my home of 50 years. 

I am XXXX years old, suffer from myriad ailments, take 18 prescription drugs a day plus XXXX, and have nowhere else to go. 

A cursory internet check shows Novad has a poor reputation among many customers. I can see why.
Consumer complaint received 2021-07-19
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Debt Mediation, Inc. (AZ)

On XX/XX/2021 at approximately XXXX XXXX I contacted PDM Collections in XXXX, FL to address a debt that appeared on my credit pertaining to an alleged water bill that was issued for payment 2 months after my move out date on XX/XX/2021. I was never informed and I was never called on the phone by the XXXX XXXX in XXXX. The agent at PDM stated that he would not remove the charge off per the clients instructions purportedly even if I paid. He also began to offer legal advice when I inquired if I needed an injunction to compell the apartments to instruct them to allow removal of the negative information after payment. He also mentioned that landlord/tenant law in Arizona does not allow me to sue the landlord and went as far as to mention the time periods in which my claims would expire. He attempted to intimidate me with his legal information and that is a clear violation of the FDCPA. I pay all my debts and have worked hard to protect my credit rating and these activities have inflicted grievous financial harm to me personally. I pray that you assist me to afford me any available remedies and impose any pertinent penalties against this company as they have numerous complaints against them for these practices and violations.
Consumer complaint received 2022-03-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BlockFi Inc (NY)

I have communicated to the company to close my account and withdraw my digital assets yet they insist that I first accept their updated terms and conditions. 

I refuse to accept their updated terms and conditions and they will not proceed to honor my account closure and withdrawal request. I can not gain access to their website to manually withdraw my funds without first clicking to accept their updated terms and conditions.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (TX)

I lived at the XXXX Apartments and lease ended in XX/XX/2023. I provided the correct forwarding address for mail that is still current as of today. Phone numbers are current as well, and email addresses are also current. Not one notice was received, regarding this being placed for collections and I am not sure why no attempt was made. All this information was provided to the property manager XXXX when I turned in my notice to vacate. I had to provide all that information to show my new apartments, I did everything as far as the lease states, such as providing a proper 60 day notice, forwarding address, email and phone number. The property manager then did confront me, asking why I was behind, on my final month, and I did tell her I was unemployed, early in the month of XXXX and if possible, be able to pay the remaining balance I owe and late fees, in increments. XXXX days before XXXX was over, She stated she could break up the amount owed to help me, after she stated verbally, that she was almost a month behind reading emails. So she didnt get my emails regarding my unemployment situation. I know she received them because I kept using the same email trend that she replied too. 

I didnt file a complaint against them either, as I should have, due to the unsuitable living conditions either. Pest infestation, dead roaches inside my fridge, inside my stove, inside my leftovers I would put in my fridge, all the mold that was never removed from the bathroom, that looked it was painted over, the bathroom sink never being fixed after the bad leaking it did, which I stil have the video of, and for not having the heater working at all during the cold temperatures, and I do have witnesses that will validate that I had created work orders, and the issue was never fixed. I had put in a request for the garbage disposal close to the beginning of my lease, and it was never done, I still have all the photos and screenshots. 

I never reported the issue, because I had hoped, since they were new to the property, it would take them a bit to get situated, and I wasnt going to be difficult with them. So I had hoped they would have just worked with me, and let me get this paid before it ever reported.
Consumer complaint received 2021-07-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (VA)

On XX/XX/21 we initiated a home loan refinance with our current mortgage company, PNC. We chose PNC thinking that the process would be simpler and our loan officer estimated a 2-3 month timeframe to close. We did not close until XX/XX/21. Our refinance was for $ XXXX and we had $ XXXX in our bank accounts. My husband and I have been employed in our respective positions for over 10 years each with excellent credit ratings and income over $ XXXX per year. We provided PNC with copies of our bank statements and paystubs at least 5 times over the course of this process. We found the staff at PNC to be unprofessional and unresponsive. We are unsure whether the delay in our loan was due to PNC 's incompetence or due to PNC 's financial incentive to continue our mortgage at the higher rate. Our loan is finally now secured but we feel it is important to register this complaint for the good of other prospective mortgagees.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

On XX/XX/XXXX I filed a dispute with XXXX, Experian, XXXX regarding student loans being reporting on my consumer report. Per FERPA these companies are in violation of my privacy rights. The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post secondary schools. Im requesting for these bureaus to be in compliance with the federal law and remove this data from my consumer report indefinitely
Consumer complaint received 2017-06-15
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: CORELOGIC INC (NJ)

In  XXXX   XXXX  I applied for a car loan with  XXXX   XXXX  which has gone bankrupt and the owner has been indicted on several accounts. Without me knowing was running my credit. I contacted Credco to see who they were and why they were listed on my credit report. I was told that they were used by the dealership. I was surprised because my credit was ran several times after my purchase unbeknownst to me. The dates are as follow :  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 need for all them to produce a signed contract which states that i gave them permission to run my credit so many times. I need the inquiries removed immediately Also  XXXX   XXXX   XXXX   XXXX  is who has my loan for the Auto I now own.     Thank you in advance
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TN)

On XX/XX/2022 I went to the navy federal ATM XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I tried to deposit {$680.00} into the atm. The deposit was canceled by the ATM. It stated it would return my cash. The ATM had an error and a receipt came out that stated We encountered a problem returning your cash. Please contact your financial institution. I did just that and 10days later they deposited my money. XX/XX/2022 I received a message they denied my dispute and took {$680.00} dollars from my account. I have the receipt for their institution ATM that states the had a problem returning my cash, but that was not prof.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

On XX/XX/2019 I called all 3 credit bureaus ( XXXX, equifax, XXXX ) have asked them to remove all of my old addresses and phone numbers that are on my credit reports they said they would but none has yet to be removed. I have also asked them to remove XXXX  XXXX from my accounts as this is account is reporting incorrectly on to all my credit reports. XXXX XXXX has also been contacted with nothing done.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

in accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681 XXXX XXXX XXXX XXXX  account # XXXX has violated my rights. 

XXXX XXXX  XXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violeted my rights. 

XXXX XXXX XXXX XXXX account # XXXX has violeted my rights. 

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

15 U.S.C 1681 Section 602 A section 2 : also states a consumer reporting agency connot furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) 5 section states : no consumer reporting agency may make any report containing any of the following items of information, other than records of convinctions of crime which antedates the reort by more than seven years. 

5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agengy if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: BHFC Financial Services INC (CA)

Car was repossessed XX/XX/XXXX. I received about {$2000.00} in toll and parking tickets from dates way after the car was repossessed. BHFC financial services never sent me repossession paperwork that I needed in order to show the toll and parking companies that none of the tickets were my financial responsibility. I have been trying to get the correct paperwork for over a year from them. On XX/XX/XXXX I spoke to a representative named XXXX from BHFC about sending not the intent to sell paperwork ( which is what I have been sent previously and has the wrong repossession date XX/XX/XXXX ) but the repossession paperwork that showed the correct repossession date and towing company. She said okay. The next monday I received yet again the intent to sell paperwork. Nothing that shows the correct repossession date and towing company. On XX/XX/XXXX I called again to request the repossession paperwork. I spoke to a woman named XXXX who was very rude. She told me that the paperwork that they sent me ( intent to sell ) was all that I needed. I asked her for paperwork that showed the date of repossession and who repossessed the car. She then continued to avoid my question and gave me a phone number to the tow company who repossessed my car. I asked for her email so I could follow up with specifically her about our conversation and she replied " you can have your legal team contact our legal team. '' She refused to give me her email, and also refused to send the correct repossession paperwork. 
I would like this issue to get resolved without getting lawyers involved but, if it does not get resolved, I will have to take legal actions.
Consumer complaint received 2019-09-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Hauge Associates, Inc. (NE)

From XX/XX/2019 to XX/XX/2-19 Hauge Associates calls me and when I answer they hang up. They call from XXXX and hang up. They do not leave messages. They do this ten times in an hour for 8 hours a day. When I call the number they say " XXXX '' or just a first name and I have to inquire several times to find out what company they are with. They state that they are associates, representatives, and act as if they are attorneys. I have asked them to cease and desist calling and they will not stop.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The tradeline for XXXX bank shows that the status is included in Chapter XXXX Bankruptcy, and this is a complete LIE, that i tried to resolve by going through Experian, and the results of my complaint came back with no change. This status IS NOT POSSIBLE!!!!!!! ..I declared bankruptcy on XX/XX/XXXX, and didnt even OPEN THIS ACCOUNT until XXXX,. The tradeline, in remarks even says for last update is XXXX, WHICH AGAIN IS NOT POSSIBLE, AS I HADNT OPENED THE ACCOUNT YET. This time either you delete the lie you perpetrated, OR WE ARE GOING TO COURT.