davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC (CA)

XX/XX/2020 we did mortgage covid relief, house sold XX/XX/2020, fast forward to XXXX XXXX tried to bid on house, found that loan depot counted forbearance as late mortgage payments which has stopped our loan completely. XXXX XXXX today we have tried every day for hours to get someone to help since its illegal but nothing and nobody will help us. We can not buy a house due to this. My life is on hold and my lease on rental is up in one month. Please help!
Consumer complaint received 2021-12-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (PA)

XX/XX/XXXX was the start date of the dispute and amount is XXXX and chime kept closing all my disputes up until now and sent them everything they said like police report of my old phone being stolen that had chimed logged in and just sent chime all the tracing numbers and sent them all the merchandise and amounts and they still been closing all my cases since XX/XX/XXXX until no and thy told me XXXX and XXXX i would get the number never got it so they been lieing since XX/XX/XXXX and XX/XX/XXXX this year and still have yet received the XXXX from transferring it from pua unemployment to chime and when i did the transfer it never went on my chime account and didnt go threw but yet my money left my account
Consumer complaint received 2019-03-18
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. (MO)

XXXX, XXXX  and Transunion are reporting incorrect information on my credit report. The credit bureaus are not sending me any verification of any of these debts belonging to me. I recently just disputed these items listed below, and asked for proof of these accounts belonging to me but have not received any verification of me having any contract with any of these creditors. 

XXXX  XXXX XXXX XXXX- {$1500.00} XXXX XXXX/XXXX XXXX- {$1100.00} XXXX/XXXX XXXX XXXX- {$0.00} XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- type debt buyer XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX
Consumer complaint received 2022-11-19
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: Experian Information Solutions Inc. (CA)

I sent a formal complaint letter to Experian to their address in XXXX, TX that Experian was reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by dederal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that Experian posts on a credit report. Experian failed to complete this verification process in the 30 days as required by law.
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I pulled my credit report for the first time in 10 years and I have derogatory items that is not mine including multiple bankruptcies. These accounts are fraudulent and need to be deleted. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XX/XX/XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XX/XX/XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XX/XX/XXXX XXXX {$0.00}
Consumer complaint received 2018-10-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (ID)

I have been a customer of Navy Federal Credit Union for 6 years. They continue to take advantage of veterans using unfair business practices and misleading information. 

I did a lot of research for getting a debt consolidation loan and collected my balances, income information, and various other documents in order to apply. 

When I applied online, I was not given the option to even provide this documentation and was automatically denied by their automated system. Usually with banks they will at least evaluate the situation in order to find the best solution. Instead I was just treated not like a person at all. 

After contacting the bank they refused to work with me, or hear my case out. 

I've had several issues with Navy Federal over the past 6 years and feel like they take advantage of veterans by advertising they specially cater to them when in reality they don't.
Consumer complaint received 2022-05-02
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX h

as 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.
Consumer complaint received 2018-02-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

It is tax time. I need a copy of my XX/XX/XXXX and XX/XX/XXXX Form XXXX Mortgage Interest Statements. I asked and has been asking Bayview Servicing Co, my mortgage lender servicer for copies of the statements but to no avail. I started doing this since XX/XX/XXXX and their response is, they were already mailed. I always check my mail in search of the needed statements however, I don't find any. I am getting desperate. I will travel on XX/XX/XXXX for a month, I am scared I can not file my income tax return before I leave. 

I remember last year. I requested the XX/XX/XXXX XXXX form. They were not able to give me the form. They just gave me the amounts of interest I paid them enabling me to include the information in the XX/XX/XXXX tax return. 

I am thinking, what could be the reason why they don't give the form? It is very important for me because it gives me the deduction amount that I can make from the tax computation and it should tell me the balance of my mortgage debt. I am paying a lot for this mortgage and they owe me to give a correct report/statement on time.
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (OH)

Dar Sirs, I actually do have two problems with US-Bank : I am not a member of XXXX XXXX membership, I closed all my accounts at US-Bank, as well the CreditCard.

US-Bank is still showing the CC.

Even after many calls, US-Bank is not closing the CC.

I is waisted time to send emails to US-Bank as well to call, nobody cares.

Beside this, I get every week a message from US-Bank : As a benefit of your XXXX XXXX membership, this is a notification that there have been no reported changes in your credit file ( s ) during the last 30 days. To view a complete history of your credit alerts, log in to your account now. 

I am not able to stop those unwanted emails. I am not!!!!!!!!!! a member of XXXX XXXX, I never signed in for that!!!!!!!!! 

Today I called XXXX  again and here is what the person - a man - recommended : go to cfpb!!!!!! 

In my mind, this is the peak of impertinence.
Consumer complaint received 2022-05-02
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # 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.
Consumer complaint received 2020-07-13
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: Early Warning Services, LLC (VA)

EARLY WARNING systems reporting inaccurate erroneous information PAID ITEMS RE-AGED ITEMS INSCCURATE INFORMATION IDENTITY THEFT I have been denied bank accounts due to inaccurate erroneous reporting I have multiple inquires Multiple declines to get a bank account. EARLY WARNING has discriminated against me. EARLY WARNING if this is not removed I will have to move forward with CLASS ACTION LAWSUIT AGAINST EARLY EARNING FOR MULTIPLE VIOLATIONS OF FCRA AND NON COMPLIANCE WITH OTHER REPORTING LAWS. 

FOR ACCOUNT : XXXX XXXX XXXX  MISSOURI ENDING XXXX
Consumer complaint received 2018-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (DC)

This related to CITI 's refusal to adequately resolve a dispute with XXXX  car rentals for the mechanical breakdown of a car in XXXX on XX/XX/2017, within an hour of receiving the car. The total amount charged was {$2200.00}. I have detailed this matter exhaustively in a complaint to CITI, describing both XXXX 's fraudulent charges, and CITI 's poor handling of the matter. My statement is over 10 pages long and includes 71 pages of supporting documentation. I therefore will attach it all, rather than repeat it here, at the appropriate step. XXXX, who has refused to respond to my efforts to reach them, also has offices in the United States ( an address is provided at the close of my letter ).
Consumer complaint received 2020-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (TX)

Discover card is put on my credit that I owe them {$300.00} when the credit card was a secured credit card the {$300.00} I paid to begin with what is offset the XXXX Anythink plus the interest to what I owe them you can't put interest on a credit file
Consumer complaint received 2019-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MI)

On XX/XX/XXXX I sent a letter to my mortgage company Rushmore Loan Management Services ( RLMS ) requesting release of my Private Mortgage Insurance ( PMI ). The letter is attached. I stated that my current loan value was {$78000.00}, and my property value was {$100000.00} according to the appraisal that the loan was based on. RLMS responded XX/XX/XXXX stating that my request was denied because the loan-to-value ratio had not reached 80 % based on the original value of the property. The response is attached. I then submitted a dispute via online secure message on XX/XX/XXXX explaining that I disagree with their loan-to-value ratio calculation. The correspondence is attached. I stated that the appraised value of the home was {$100000.00} ; the negotiated purchase price was {$90000.00}, and the original loan amount was {$85000.00}. Based on this information, my loan-to-value ratio was less than 80 %, thus I am eligible for release of PMI per Federal law and the Homeowner 's Protection Act of 1988. RLMS responded on XX/XX/XXXX saying that my current loan to original value is 78.2 %, but that they were still not releasing my PMI, but they wanted me to pay $ XXXX {$1000.00} to have an appraisal first. The response is attached. I am asking the CFPB to review this case and request that RLMS release my PMI as required by Federal law and the Homeowner 's Protection Act of 1988.
Consumer complaint received 2022-11-19
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: Experian Information Solutions Inc. (TX)

XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX I have asked all the credit bureaus to do an investigation on my account ( s ) with XXXX which they did. The results stated everything is accurate although it appears to be a few inconsistencies, are currently reporting on my credit report.

In accordance with the Fair Credit Reporting act XXXX  Account # Has violated my rights. 15 U.S.C 1681 section 602A, which states I have the right to privacy & 15 U.S.C 1681 Section 604A which also states a consumer reporting agency can not furnish a account without my written instructions. This will truly help me in my process to raising my credit score, & I thank you in advance.
Consumer complaint received 2022-08-17
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)

n accordance with the Fair Credit Reporting act Department Ed XXXX Accounts ( 4 in total ) Late payment in all accounts - XXXX XXXX Balance XXXX Act # XXXX Balance XXXX Act # XXXX Balance XXXX Act # XXXX Balance XXXX Act # 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 instruction
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Equifax failed to follow XXXX XXXX in regards to inaccurate information reporting to my credit report. I have notified them several times regarding inaccurate payment status and account numbers reporting on my report for my XXXX Accounts. Please see the attached letter for details.
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

To Whom It May Concern, Back In XX/XX/ 2019 I had a late fee from Discover Card. I called right away and the late fee was to be removed. It has now been to months and the late fee has not been removed. I have always paid on time and have called Discover again which they assured me it would be removed. From looking at my credit report it appears it was never removed.
Consumer complaint received 2019-06-11
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: Experian Information Solutions Inc. (MI)

Filed a dispute with Experian and XXXX for identity fraud items, info unchanged, then got court orders, dismisslels, receipts, police reports and FTC reports and still unchanged, transunion had everything fixed in a week but Experian isnt even looking at my documents. I'll be getting a lawyer to get this matter resolved if they cant look at my info. One of the companies credit services even sent Experian a delete letter and they still didnt budge. 

Soc XXXX XXXX XXXX
Consumer complaint received 2018-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP (WA)

On XX/XX/2018 I made a payment to U.S. bank in person in XXXX, Washington for XXXX. They have been having problems processing payments because they have a credit card number that is different than the statement dual credit card numbers. I called U.S. bank on XX/XX/2018 at XXXX. The credit card had my wife and I listed and they stated I was a employee and not authorized to speak to them. I demanded to talk to the supervisor and escalated to the manager. The manager refused to turn this over to a officer of U.S. bank stated " Need it in writing ''. I asked to speak to their lawyers she refused to cooperate. U.S. bank did not post the XXXX payment on XX/XX/2018 and did not mail the bill or have a online statement to print out. U.S. Bank states their logo " all of us serving you '' looks like a false statement.. I am going to have to ask for a fraud investigation into this incident for the following reasons : 1 ). Failed to post XXXX payment on XX/XX/2018 FCRA violation XXXX fine 2 ). Failed to mail out a bill or make available a online statement to print out fdcpa violation XXXX fine 3 ). Civil action possible under arbitration for personal damages to be determined.
Consumer complaint received 2019-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MA)

I transferred my student loans from XXXX to Fedloans in XX/XX/XXXX, since I am going through the PSLF program for loan repayment. I started making payments in XXXX and so far Fedloans has not been able to give me a accurate amount of qualifying payments. I have been waiting since XXXX of XXXX to get the number of accurate qualifying payments I have made thus far. I have been calling periodically to see what the status of the payment count is, and I have been told they can not tell me how much longer it will take and that there is nothing I can do about it. So far the only payments they have accounted for, are the payments from when I transferred my loans to Fedloans, until I requested a payment count XXXX of XXXX. It does not seem right to have to wait for over 17 months to get to the bottom of this
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NV)

This company has continuously reported inaccurate information on my consumer report. They intentionally reported a charge-off on my consumer report when it is in fact considered income. According to The IRS, they clearly defines a charge-off as Gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting a charge-off on my account inaccurate! I have contacted this company several times to delete this inaccurate account from my consumer report, but they constantly refuse to correct their unlawful behavior. It has damaged the character of my consumer reputation and I will be seeking remedy.
Consumer complaint received 2018-02-15
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: BARCLAYS BANK DELAWARE (ND)

I have been the victim of Identity Theft twice in the past two years. I am an emeritus professor of economics, semi-retired, currently living ( temporarily ) in XXXX, but with close ties and citizenship in the United States. 

My credit record has always been flawless and I have never missed a payment on anything! However, my FICO score today is only XXXX. It had always been very high before this sudden string of identity theft incidents, all occurring within the United States.. 

I reported the problem to XXXX, and after two months of continuous communication, they sent me very positive results. However, they left the addresses and some traces of the fraudulent actions in my record. It also appears that they have not reported this problem to other agencies, as I believe they are supposed to do. Perhaps that is the reason why my FICO score remains so low today. 

I appreciate any help you may offer. Thank you in advance. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company (IL)

XXXX XXXX XXXX XX/XX/2019, {$620.00} XXXX, reported to all XXXX credit agencys without giving me any information of debt, no letters, no calls, no email I wasn't aware until I check my credit reports.Merchants Credit Guide : XXXX XXXX acct : XXXX {$780.00}, XXXX {$680.00} and XXXX {$930.00}, also did the same violation of XXXX and XXXX, illegal or unethical communication tactics, Disclosure verification of debt, exessive attempts to collect without giving consent or any opportunity to dispute collections also it was reported to you that hospital was neglacting treatment as treatment never happened as I walked out of the hospital after keeping me hours in agony and pain causing me to go to another hospital I have witness to such neglect
Consumer complaint received 2020-01-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo my mortgage servicer is giving me a difficult time with my request for mortgage modification. Wells Fargo representative persuaded me to sign a equity line of credit instead of a 30 year mortgage. I have requested mortgage assistance because of a hardship but they have set several foreclosure sales dates and refuse to work with me.
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NY)

I have a Goldman Sachs Apple Card with a 2000 dollar limit they wont allow me to make any charges to my card and I am only at XXXX dollars. Someone is controlling my credit accounts and limits illegally as part of a control and credit fraud scheme where they give known informants credit that they are taking from me.
Consumer complaint received 2022-09-15
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. (NC)

In accordance with the Fair Credit Reporting Agency, everything on my credit report has to be 100 % accurate Equifax Stated that my account was properly investigated but how is that possible if the balance they are reporting is inaccurate. I checked with the original creditor to make sure. Equifax is also reporting a past due balance on a repo which goes against the statue of limitations. This is grounds for removal The also violated my rights under 15 USC 1681 section 602 A Stating that I have the right to privacy 15 USC 1681 Section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.