davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

I was on forbearance plan from XXXX till XX/XX/XXXX. By some way even though I spoke with company rep for ending the plan it was. Prolonged till end of XX/XX/XXXX ( company mistake ) Any way I was keep paying my mortgage from XX/XX/XXXX even though it was on forbearance plan. For refinancing ( different company ) I need a letter stating that my forbearance plan ended on XX/XX/XXXX. From that time I am trying to get that letter calling the company 2-3times a week. They were telling me that need a time for the process to be ended then they will send a letter. My refinancing company keep asking me for that letter. To be short on XX/XX/XXXX ( from that time I start writing down all names ) after speaking with different customer rep i asked for supervisor > her name was XXXX ID # XXXX, who told me that there is a problem with a account and that i have un unpaid balance of XXXX XXXX XXXX for XXXX and XXXX though it was paid and she also said that to proceed with letter the account need to be curren and it will take few days and that on Tuesday XX/XX/XXXX she will call me back. So nobody call me back and on Wednesday I called back and connected with other escalated them member by name XXXX ID # XXXX who also told me that will review and will contact that department and will call me .Because nobody called me back i call Thursday and spoke with other escalation team rep XXXX member ID # XXXX. He promised me to see whats going on and call me back in an hour. After few hours I call back spoke with XXXX ID # XXXX who remembered me and said that sensed a request for that letter. Today is Friday I spoke with XXXX ID # XXXX who told me that letter can be obtained only on XXXX of XXXX - SIMPLE LETTER STATING THAT FORBEARANCE PLAN ENDED. Analyzing all this i think the company doesnt want to let me go with other refinancing company. Extremely bad experience in communicating with this mortgage company. People need to keep way from this company.
Consumer complaint received 2021-12-13
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. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-06-07
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SG and Associates (CT)

On XX/XX/XXXX, I received a call from Stafford Group and Associates located in XXXX, California with the phone number XXXX. During the call, I spoke with a customer representative who informed me about an outstanding loan from XXXX. They mentioned that they had sent documents to my previous address at XXXX XXXX XXXX XXXX, XXXX, CT XXXX. I clarified that I no longer resided at that address since XXXX as I had updated my address with the post office. The representative asked me to acknowledge owing an amount of {$3000.00} without providing any written proof. I expressed that I would not confirm or deny anything without proper written evidence and not over the phone. The representative threatened legal action but did not provide me with a case or account number for reference. I offered to provide my current address for them to send the documents they claimed to have already sent, but they refused my request.
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (NY)

hello my credit card company I know is doing illegal activities on my account is " Shop your way '' citi bank card. I have documentation that I have screen shot on my phone from their web site of all the transactions. as of right now they have debited my account {$7500.00} for a clerical error on their part. there is more illegal interaction that has lead up to this point. all of these interaction have taking place within the last 7 days. 

please call me so I can explain in more detail XXXX thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Credit Karma (MI)

In the middle XX/XX/2021 I tried to transfer money from my credit karma account to my credit union they said I needed to verify my account by sending in identification & bank statements I did 2weeks later XXXX XXXXI 'm waiting on response calling emails no response I contacted XXXX XXXX XXXX credit karma email me saying there closing my account & sending funds to my account XX/XX/XXXX 8 business days later I call back they say they sent it to account that was closed so now within 8 more business days I should receive a check XX/XX/XXXX I have received no more information or emails when I call I get same answer
Consumer complaint received 2021-04-16
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. (CA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: 1st Franklin Financial Corporation (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.
Consumer complaint received 2021-12-13
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. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX Balance {$690.00} XXXX XXXX XXXX XXXX Balance - Inquiries : XXXX XXXX I Inquiry Date XX/XX/XXXX XXXX XXXX I Inquired on XX/XX/2021 2021
Consumer complaint received 2021-12-13
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. (TN)

I have called advising that my name does not have a suffix at the end and I have open a dispute advising as well and still Equifax continues to report my name as XXXX XXXX XXXX XXXX in addition they have my birthday wrong. Since Equifax has locked me out of my credit account and I cant even file a dispute to correct this. I have to use this forum. So please look at the attached state issued drivers license and make the corrections. 

1. XXXX XXXX XXXX 2. DOB XX/XX/1976
Consumer complaint received 2021-12-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association (TX)

Here we are again. I have written as well as called into this company numerous times and have been told that not only a manager of a manager is supposed to reach out to me but that I spoke with XXXX this past time she took my money and said that her personal manager would reach out to me and that she was due back in 30 or so minutes from lunch. 

I said even if she does not call even a simple email would be fine. This was now well over a week and a half ago and still nothing. XXXX said that she can see that I have had numerous complaints and that my File is Cred XXXX that they are not reporting and yet it still shows that they are This has been a long drawn out process and yet we can not get closure and at this point, I'm ready to just hand this over to the attorney and they can handle this from there seeing as there is nothing that we are getting from XXXX or Homeloan Serve not even a simple phone call
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Complaint # XXXX against Transunion was never resolved. According to my credit report they are still fraudulently reporting student loans that were paid in full on my credit report but transunion reinserted the student loans back on my report without a 5-day notice. The reporting period has expired. 

XXXX # XXXX ( for this collection ) expires on XX/XX/2019. 

44 U.S. Code 3507. Public information collection activities ; submission to Director ; approval and delegation 15 CFR 30.63 - Office of Management and Budget control numbers assigned pursuant to the Paperwork Reduction Act.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

There are several inaccuracies on my credit report. These account are negatively impacting my ability to live my everyday life. The banking system is dependent upon my score being fair and accurate. These accounts are not accurate or fair to me as the consumer. I cant extend my credit as I need to with these account directly impacting my credit worthiness. I entered into consumer credit transactions with these companies privately. I never gave consent for a consumer reporting agency to furnish anything on my consumer report. 15 USC 1681- Permissible Purpose a consumer report may be furnished with the written instructions of the consumer. TransUnion I demand that you remove all of these negative accounts and provide a contract where I gave you written consent to furnish anything on my behalf. With the failure of such evidence all accounts listed shall be removed. Please remove all accounts attached in the letter.
Consumer complaint received 2022-10-11
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2019-08-06
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. (MA)

There were 4 accounts reported on my Equifax that don't belong to me. Those accounts were negative accounts or delinquent accounts. As a result of that, my FICO score was damaged significantly which prevented me from getting access to many services such as increasing my credit limit, decreased my access to credit cards and not able to finance Iphones with my cell company.
Consumer complaint received 2021-12-13
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

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

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. CAPITAL ONE XXXX Balance : {$0.00} ;
Consumer complaint received 2021-12-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Signature Bank (NY) (CA)

On XX/XX/2021 I wired {$50000.00} from my XXXX XXXXXXXX XXXX account to Signature Bank. I forgot to include the reference number in the wire and called XXXX shortly after sending the wire to see if it could be added. They said the wire would have to be recalled and I would have to send a second wire with the reference number. XXXX recalled the first wire. The second wire was received the next day but my first wire was never returned or deposited. It is missing at this point, and it has been over 1 month. XXXX reached out to Signature Bank several times, to which there was no reply. I sent Signature Bank an email to follow up, to which they were unresponsive. 

The wire was supposed to be automatically rejected because it did not include the reference number. It was neither accepted nor rejected. It was supposed to be returned because it was recalled. Again, it was not. At this point it is missing. 

I have been through a lot because of this, and I am worried I have lost my money. Signature Bank is acting like an outlaw, keeping money that doesn't belong to them and ignoring the inquiries. Please help, thank you.
Consumer complaint received 2021-12-13
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. (IL)

I informed Equifax of inaccurate items on my credit file. After being notified, they continued to report inaccurate information on my credit file. They also stated that they verify certain information on my credit file with a third party who stated they don't have the information in question on file. Not only are they committing identity fraud, but this is negligent and a violation of my federally protected consumer rights.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, RI XXXX ( XXXX ) XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice that there is several unauthorized credit inquiries made by the companies listed above. To my knowledge, I Have not signed any documents authorizing the company in question to view any such part of my credit report. The listed inquiry was without my authorization, and for no legitimate business purpose.
Consumer complaint received 2021-12-13
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-13
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-11
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. (SC)

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. 

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, DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX : # XXXX has violated my rights.

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 2024-02-15
Product: Credit reporting 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. (SC)

XXXX XXXX, 2024, Experian has failed to reply or respond to my request to generate a Credit Score. I contacted customer service and they told me that they would investigate. Their website said something like : you have not used a valid credit card in over 90 days. A strange policy when generating a credit score. The other 2 Credit Reporting Agencies are reporting. I need the Credit Score for a Debt Consolidation Loan. A possible Mortgage Refinance.! Can you assist.Thanks.
Consumer complaint received 2022-10-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.