davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (NV)

LoanDepot is not funding my mortgage, it has been 14 days since signing the paperwork, and wiring them over {$4500.00} in closing costs. They do not respond to my messages, and now I need to make a payment to my original mortgage company. It has taken them over 4 months to even get to this point, having started with them in XXXX for the refinance process. Additionally, they continually extend the locked rate of the mortgage even though rates have dropped since the original rate lock expired.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Transunion. 

Despite multiple attempts to reset my password, and attempts to contact the company, I am still unable to log in to my account. I have tried calling the company, however nobody answers the phone even after longer than 30 minute waits. I have attempted to reset my password twice since my last complain was filed, and ( again ) I have not received any password reset information. I will submit the company page below from which I try to reset my password. 

https : //membership.tui.transunion.com/tucm/loginHelp1_form.page? 

This is absurd, I am unable to login to find my credit report or to monitor my account activity after an incident when my identity was stolen in 2015. I can't reach the company, and they are somehow unable to reach me. I am beginning to wonder if this is a real company that provides any actual services whatsoever. So I am forced to use the federal watchdog agency ( CFPB - thank you for what you do ) to  even be able to reach a company representative. 

If someone from Transunion could find some time out of their day to EMAIL ME OR CONTACT ME IN A REASONABLE FASHION, MY CONTACT INFORMATION IS INCLUDED BELOW XXXX XXXX XXXX
Consumer complaint received 2017-09-14
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: EQUIFAX, INC. (OH)

I payed Equifax to help with my credit My Social Security number is out on the web being sold or used by someone without my knowlage My name my address my account numbers my social security number My credit Are all at risk.or not I would like an ANSWER
Consumer complaint received 2017-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One posted two consecutive late pays to my account in XXXX and XXXX. My account showed no payment due in XXXX and I made ( 3 ) payments to my capital one account in XXXX. I believe capital has not been reasonable. I have had capital one for over four years and this has been the first hiccup ever.
Consumer complaint received 2019-11-07
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: AMERICAN EXPRESS COMPANY (VA)

Americans express are not processing my credit card dispute and have overcharge my credit card. 

They are sharing with me that the balance is not due but is reporting an inaccurate information with the credit bureau regarding my balance due that is under dispute. And hasn't provided any disputes resolution.
Consumer complaint received 2019-11-07
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. (FL)

I have disputed accounts several times with XXXX ( XX/XX/2019, XX/XX/2019 and XX/XX/2019 ) due to the accuracy and fairness of how the below mentioned companies continue to report these accounts to the credit bureau inaccurately. XXXX continue to respond to my disputes as the accounts were either verified as accurate or have been updated, however, they are still reporting inaccurately. Such as : XXXX XXXX - failed to send a deficiency letter to support their claim and balance they continue to report. Furthermore, they are reporting that this account has either charged off or is in collections, but they still continue to report a monthly payment and the high balance is inaccurate. They are in direct violation of the FDCPA and FCRA. I have requested this account be deleted permanently from my credit file as this is having an adverse effect on my credit score, furthermore, they are violating my consumer rights. 

XXXX - is reporting several accounts on my credit report, however, they continue to re-age this account monthly, which is a direct violation of the FDCPA and FCRA. 

XXXX - continues to re-age this account on my credit report and have failed to provide proof of the balance they are claiming I owe, in addition to this account reporting that it has been sent to collections or has charged-off. The high balance is also inaccurate.
Consumer complaint received 2019-11-07
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: BRite Financial Services, Inc. (FL)

I have disputed accounts several times with XXXX  ( XX/XX/2019, XX/XX/2019 and XX/XX/2019 ) due to the accuracy and fairness of how the below mentioned companies continue to report these accounts to the credit bureau inaccurately. XXXX continue to respond to my disputes as the accounts were either verified as accurate or have been updated, however, they are still reporting inaccurately. Such as : BRITE FINANCIAL - failed to send a deficiency letter to support their claim and balance they continue to report. Furthermore, they are reporting that this account has either charged off or is in collections, but they still continue to report a monthly payment and the high balance is inaccurate. They are in direct violation of the FDCPA and FCRA. I have requested this account be deleted permanently from my credit file as this is having an adverse effect on my credit score, furthermore, they are violating my consumer rights. 

XXXX - is reporting several accounts on my credit report, however, they continue to re-age this account monthly, which is a direct violation of the FDCPA and FCRA. 

XXXX - continues to re-age this account on my credit report and have failed to provide proof of the balance they are claiming I owe, in addition to this account reporting that it has been sent to collections or has charged-off. The high balance is also inaccurate.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-10-13
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: Experian Information Solutions Inc. (CA)

i clicked through from a " credit match '' prompt on Experian for a chase card " pre-qualification '' that said it " will not afect your credit '' and on the following screen entered some basic information and then subsequently  discovered this created a HARD inquiry in addition to the soft inquiry - I am not sure what happened or how, but had XXXX intention of applying officially or understanding that it was occurring. They refused to understand or take responsibility for the misleading verbiage and blamed it on the site I was transferred from ( which happened to be experian ) - A consumer has a right to EXPLICITY know and understand they are APPLYING for something as opposed to checking to see if they MIghT qualify for a card and if it is worth it to actually APPLY officially
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Contemporary Information Corp (GA)

After receiving my report from CIC i called and told them that it was reporting wrong due to fraud, they then told me i have to get it all shut down myself, but they are reporting with out my permission and i did not give Contemporary Information Corp. ( CIC ) to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX, XXXX XXXX XXXX Apartments consent to share my stolen information, a guy off XXXX i got into a argument with copyrighted my birth right name and stuff went crazy on my credit report again and i been fighting identity theft for so long now. This disclosure violates the XXXX XXXX XXXX ( 15 U.S.C. 6802 ( b ) ) and may also constitute a criminal offense under 18 U.S.C. 1028 ( c ) regarding fraud and related activity in connection with identification documents, authentication features, and information. 

CIC actions also violate Violation of 15 U.S.C. 6802 ( b ) Under 15 U.S.C. 6802 ( b ), financial institutions, including consumer reporting agencies like CIC, are prohibited from disclosing nonpublic personal information about a consumer to nonaffiliated third parties without providing the consumer with a clear and conspicuous notice that accurately reflects the institution 's privacy policies and practices. Additionally, the consumer must be given a reasonable opportunity to opt-out of such disclosures before they occur. 
I have reviewed my records and have not received any notice from CIC regarding the disclosure of my information to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX, XXXXXXXX XXXX XXXX XXXX. Moreover, I was not provided with an opportunity to opt-out of these disclosures. This lack of notice and opt-out opportunity constitutes a clear violation of the statutory protections afforded to me under the XXXX XXXX. 

Finally C.I.C. actions also is a Violation of 18 U.S.C. 1028 ( c ) Further, the unauthorized disclosure and potential misuse of my personal information may fall under 18 U.S.C. 1028 ( c ), which addresses fraud and related activity in connection with identification documents, authentication features, and information. Unauthorized disclosure of my personal information without proper notice and consent could constitute a violation under this statute.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... 

If, any reinvestigation under paragraph ( XXXX ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 

( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-17
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. (CA)

I sent out several letters in regards to a few accounts reporting on my credit report that did not look accurate. I asked for them to review everything and confirm these accounts that I'm not familiar with. I have not heard anything. 

I sent a letter on XX/XX/2021 and XX/XX/2021 these are the accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I have been trying and working with Pentagon Credit Union for the past few months, and I even contacted them through the lawyer who closed my mortgage with PenFed when I refinanced it. They say the made a mistake but never reply or contact and have placed an incorrect credit report on my account causing my credit score to go down. It has been very painful and they dont seem to care
Consumer complaint received 2017-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against ENHANCED RECOVERY
Consumer complaint received 2017-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (TX)

After several years of having this account I sighed up for paperless statements and have paid bills through the Citibank app. In XX/XX/XXXX/XX/XX/XXXX the app showed there was no payment due, i called the bank to confirm. They confirmed. Next thing I know I get an alert that there is a late pay on my credit report. I notified the bank and just got a long drawn out process of disputing it through the bureaus. I honestly feel that Citibank is being unreasonable as I have never been late.
Consumer complaint received 2017-12-29
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. (UT)

XXXX XXXX XXXX has placed 5-30 day late marks and 2-60 day late marks. There should only be 2-30 day late marks and zero 60-day. My payments are automatically withdrawn from my account and are always made within 30-days!
Consumer complaint received 2019-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I have a Capital One account, and had a balance transfer promotion on the account per a bathroom remodel. My line of credit on the card is $ XXXX, and the balance as of XX/XX/XXXX was {$8500.00}. I have since paid {$8100.00}. 

My issue is as follows : I moved in to temporary housing in XX/XX/XXXX and requested a change of address. The address was not changed and as a result I did not receive statements until the XXXX statement was forwarded by the post office. The account has been on auto pay since the commencement of the balance transfer promotion, which included a balance transfer fee. Capital One was receiving payments all along. I since called Cap One due to the forwarding label and old address reflected on the statement and they confirmed the address had not been changed as requested, but they would proceed to make the update. 

The address change issue led to my account being charged interest I believe for the months of XXXX, XXXX, XXXX, and XXXX due to the balance transfer offer having expired. I had no other transactions other than the promo. I called the customer service department twice speaking with XXXX and XXXX ( ID XXXX ). Both acknowledged the address issues and non receipt of statements being very apologetic. Yet, they indicated Cap One does not adjust interest charged. They totally refused to escalate the call indicating they are sr. representatives and that is where it stops because they do not have the ability to transfer calls to their own supervisor or to escalate matters further. 

I called the executive office as I feel I have been treated unfairly and discriminated against and they advised me that all escalations have to go through their general customer service department. This is a large bank and it is unfathmable that this is the way they operate their business and treat customers. I am requesting that the interest charged of {$350.00} be adjusted. Credit card companies are required to provide monthly billing statements to customers, and the fact that Cap One did not do this and conveniently the Balance Transfer promo was to expire makes me believe that it was intentional. I am disputing the interest charged and am requesting an immediate refund for the amount. This will bring my account balance to XXXX. 

I hope that you can assist me with this matter. 

Should you have any questions, I can be reached at ( XXXX XXXX XXXX. My new address is XXXX XXXX XXXX XXXX, XXXX DE XXXX. But, the new mailing address is XXXX. XXXX XXXX, XXXX  DE XXXX. 

Thank you kindly, XXXX XXXX
Consumer complaint received 2023-02-06
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. (FL)

I reached out to the the Bureaus Originally on XX/XX/XXXX via each Bureau who sent my dispute directly to XXXX XXXX XXXX regarding account XXXX. 
I requested them to please investigate and delete from my credit report. Initially I was a bit confused because this was listed as " collection attorney '' on my credit report and I know I have never spoke to any " attorneys ''. 
The FDCPA 807 SECTION 3, Strictly PROHIBITS : " the false representation or implication that any individual is an attorney or that any communication is from an attorney ''. However XXXX XXXX XXXX XXXX is on my credit report and is listed as " Collection Attorney '' in the detail type. This is unacceptable and NO Bureaus should have EVER allowed this to be inserted on my Credit Profile it is AGAINST THE LAW.

However, the Bureaus didn't respond. I sent out another letter on XXXX where I reminded the Bureaus of my complaint. I received correspondence from one of the Bureaus that XXXX XXXX XXXX  said account XXXX was " verified '' and " accurate ''. I found this not only to be inaccurate because I never had an account with XXXX XXXX XXXX XXXX and they are literally posing as an attorney which is against the FDCPA, but then found out this was a medical bill, Which also violates my rights under HIPPA Law. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to ANYONE, for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. IT HAS NOW BEEN OVER 60 DAYS SINCE THEY HAVE RECEIVED MY ORIGINAL LETTER. Being that they are alleging that this account is " verified '' and " accurate '' should mean means that they should be able to produce all of then documentation I am requesting. If they can not produce this information they therefore not only violated FDCPA but also HIPAA. This account, account number XXXX XXXX needs to be removed from my credit report immediately being that it is inaccurate and violates the regulations of the FDCPA and HIPAA .
Consumer complaint received 2022-10-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (MI)

I signed a contract with XXXX XXXX XXXX for the installation of XXXX Panels. They installed the panels but the City should perform the final inspection before it starts up. 
They City first came for inspection and needed some modifications done, XXXX XXXX XXXX did the modifications then a final inspection was scheduled. City came for inspection but nobody from XXXX XXXX XXXX ( now aquired by XXXX XXXX ) showed up. The City did not approve the XXXX Panels to start. This has been going on for almost a year now. Good Leap is the loaner and I have been paying monthly installements ( {$220.00} ) for 10 months now. I called Good Leap and asked to put a stop on payments until the Panels are approved to work. They said the can't do that because I am paying for the equipments not for the service. I asked for reimbursement as well.
Consumer complaint received 2019-11-07
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. (MI)

This complaint is against Experian.com which is one of the big three credit bureaus. I purchase Experian membership which is {$24.00} a month which shows you everything on all three credit bureaus. I seen my student loans accounts closed on my Experian account for all three credit bureas closed instead of open. They don't suppose to be closed and there reporting positively. I contacted XXXX  and XXXX both told me the accounts are open and seen them for myself even the one on Experian was closed that suppose to be open as well. I turnaround called the two student loan companies which is XXXX, XXXX both told me the loans are still open in great condition and nothing has changed. Experian told me it could be a error in the membership but its been weeks and ever got back to me after I sent them over the documents and nothing never got fixed.