davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-28
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-05-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (TX)

I called Mr Cooper to INQUIRE about current rates so that I can determine if its worth it refinancing or not since I have excellent credit score of XXXX and no debt besides my house payment and car payment. I specifically stated I didnt want to do a loan application and the mortgage rep said she was NOT doing one. However, she did complete a loan application on my behalf so she lied. Then she advised I should take out extra money so that I can pay my car loan. Why would I do that if my car loan interest rate is 1.89 % and the rate she was trying to offer is 4.5 %?? 

This is the 2nd time they unethically do loan application without my permission. They purposely lie and mislead customers.
Consumer complaint received 2022-01-19
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. (FL)

My XXXX XXXX  account has two months reporting as late payments which they are not, my accounts are on autopay so these late payments are incorrect and need to be updated in my credit reports. The account is XXXX the months reflecting on my report are XX/XX/2021 and XX/XX/2021.
Consumer complaint received 2021-03-30
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. (MS)

I have sent dispute letters as well as requested all three credit bureaus to verify and publish their method for verifying this account. It has been longer than 30 days as my initial complaint was submitted on XX/XX/21.
Consumer complaint received 2022-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NY)

I've tried several times to access my account I'm a victim of identity theft I've been locked out of my account cause the banks representatives gave the thief all access of my account I received a letter today XX/XX/2022 stating my address was updated with Wells Fargo on XX/XX/2022 my tax return XXXX was direct deposited and a close family member fraudulently accessed my account and claimed my identity I've filed a police report XXXX XXXX went to visit my local post office to put a change of address and filed a form for the thief 's address they contacted Wells Fargo bank I've gotten a run around and just want my money and account back Wells Fargo bank will not acumadate me to treat me like the criminal I am the victim. So as of XX/XX/2022 I have no access to my account and have tried to resolve this matter but Wells Fargo has shown me they are not trying to handle this horrific situation
Consumer complaint received 2018-02-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BB&T CORPORATION (NY)

In XX/XX/2016 I made a payment on my auto loan on the XXXX date past the due date for my auto loan. I have talked to the bank multiple times to have the late payment removed from my credit report and my request was refused. Payments for the auto loan have been made on time all the time and there never has been a missed payment.
Consumer complaint received 2023-01-03
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2018-02-20
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (FL)

I went to a XXXX dealership in XXXX, FL in 2017. I requested to ONLY run my credit through XXXX ( XXXX XXXX XXXX XXXX ) if they wanted me to buy a new car. Unknowingly to me they ran my credit through lots of agencies before coming to me and saying I don't qualify with XXXX unless my husband co-signs. Reluctantly he co-signs and I am approved. Now I am seeing multiple agencies I did not authorize them to run my credit, showing as hard inquires. Whats worse is that XXXX will only show on my husbands credit not actively on mine because he is listed as the main owner when I specifically asked them to make me the main owner. They kept lying saying I am. I need these off they are affecting my credit I am working hard to build. 
The following companies ran my credit without my knowledge or written approval. 
Td Auto Fina XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (MD)

This notice serves as a legal notification under the Fair Debt Collection Practices Act and Uniform Commercial Code to all major credit bureaus. It has come to my attention that there are charged off accounts on my credit profile, indicating discrepancies in financial reporting. I request the immediate removal of these inaccuracies in accordance with the law. Furthermore, inconsistencies in how my accounts are reported across the XXXX credit services violate the Fair Debt Collection Practices Act. 
I demand that all credit services rectify these errors promptly by updating my report and eliminating the charges for collections and inactive accounts. This directive is directed specifically towards XXXX, Equifax, XXXX, and XXXX. Failure to comply with this request will result in legal action. This notice is a matter of public record and may lead to a lawsuit if necessary. I expect the prompt removal of the accounts from my credit profile. Thank you. 

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/ office sends me valid proof of claims. 
I also want to remind you of the following laws : *- 15 U.S. Code 1692g : Validation of Debts *- 15 U.S. Code 1681n : Civil Liability for Willful Noncompliance *- XXXX U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681s2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies remove acct XXXX XXXX
Consumer complaint received 2020-09-17
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. (FL)

I am writing to dispute fraudulent charges on my account. I am a victim of identity theft. The charges on my account were not authorized. Please block and remove these accounts from my report, that any finance and other charges related to the fraudulent amount be blocked and removed. I am also requesting that I receive an accurate statement. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2022-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber (CA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ca XXXX. XXXX I went in for a XXXX XXXX preventative treatment ; I had them and my insurance company verify acceptance and coverage prior. I paid my {$75.00} co-pay each visit. There was no deductible. XXXX, totally covered. No issues whatsoever. Then they tell me to do an XXXX XXXX  to make my skin healthier for the XXXX. Also, they say covered. 
6 months later, I receive a bill for {$1000.00} 's owed to them. My insurance didnt cover all of it?? I sent in my claims from one insurance company and found out for another, they never filed the claims. They say they will fix it ... Several calls and emails later, they say they are working on it. XXXX in their billing dept. I assume its been sorted as I hear nothing and it is obvious I had 2 companies with insurance at different points. 
2 years later, I get a collections notice and multiple dings on my credit!! I look at XXXX and XXXX and find so, so many people have gone through the same thing. I tried disputing this activity on my credit reports to no avail. They are right, I am wrong and my credit rating is now affected. 
There are more things XXXX XXXX did, so far in the wrong- I stopped going, before this billing fraud ever happened. Very telling of their unethical practice.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (GA)

I have 2 collection/charge off accounts with Affirm. I paid both of these accounts in full in the amounts off {$330.00} and {$390.00} XX/XX/2023 I submitted several disputes with XXXX and Affirm keep verifying that the information is correct when they are in fact reporting the wrong information. I called affirm to complain and they sent me a loan repayment letting with an updating balance of {$0.00} for both accounts but they wont update my balance in my credit report. They are in violation of the FCRA and I would like them to update/delete accounts.
Consumer complaint received 2022-01-19
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

The Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( CAPITAL ONE XXXX )
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Experian has to remove inquiry placed on my credit file by XXXX XXXX XXXX per XXXX request dated XX/XX/XXXX and XX/XX/XXXX XXXX XXXX because They were both unauthorized and the furnishers request to remove the unauthorized inquiries Is attached. Please remove the unauthorized inquiries from my credit file and send me a copy of my updated credit file to the address on file.
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX, CO XXXX Re : Request to Review Basis for Denial of Loan Modification Account Number : # XXXX Subject Property : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XXXX XXXX XXXX Dear CFPB : I am writing to you because I am trying to seek a loan modification, and I believe that the loan servicer ( SLS ), is refusing to follow the guidelines pursuant to XXXX. I am asking the CFPB to please conduct a review of my account to determine if my suspicions are correct. 
I have owned the subject property since XXXX. 

Although SLS is my loan servicer, I am unaware of the present lender, which is allegedly a governmental organization. I have tried to obtain a loan modification through their loss mitigation program. I have not been advised of the status of my loan modification/RMA packet aside from a denial based on ( 1 ) lack of documents ; BUT ; ( 2 ) I was informed in writing and telephonically that my application was complete. ) This can not be reconciled.

Therefore, because SLS has been the designated loan servicer, I am asking that you look into the following issues :
Consumer complaint received 2018-07-31
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. (MI)

there are accounts on my record from debt collection on my report that sre not mine even tho they are paid, i didnt open these accounts and i want them removed from XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed ( paid ) XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed Paid XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed Paid XXXXT XX/XX/XXXX {$0.00} Closed Paid
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am an authorized user of a XXXX XXXX Account with a credit limit balance of XXXX. The reporting date should be the XXXX of every month and it was reported the XXXX. The actual cardholder updated balance for the month of XXXX reported on the XXXX for {$26.00}. My report states the XXXX for {$130.00}. Reference # for the call XXXX. XXXX was the representative. I would like my information to be updated immediately so that my utilization can reflect correctly.
Consumer complaint received 2018-03-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF NEW YORK MELLON CORPORATION, THE (CT)

In the 1920 's my great grand father established a trust for his XXXX granddaughters at a bank that no longer exists. Through a series of mergers the account has ended up at BNY Mellon Wealth Management XXXX, PA. 

The original trust was invested in stocks. Since the trust has been managed by Mellon Wealth they have put 100 % of the assets in Mellon affiliated accounts with the majority having higher than average fees and lower than average results based on XXXX XXXX. I even went so far as to run a report investing in 5* funds comparing them to their rates of return. 

They also sell the funds and buy new funds frequently churning the account for fees and the fee funds are higher than normal. 

Each year I complain that I want the money invested outside of the Mellon affiliated funds as I believe it is a conflict of interest. I've asked to be given some kind of control over when funds are bought and sold and what funds are bought and sold. I've asked that my portion of the trust be paid out since my mother has died. All rejected with one excuse over the other and nothing ever happens. I was hoping this agency that provides bank oversight could help stop this ripping off of the trust.
Consumer complaint received 2022-01-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (CA)

In 2020 I struggled to make payments due to covid and I reached out to GM asking them for a deferment and they still reported my account late even though it's been paid off. I would ask if you could please honor my request since the late history is incorrectly reporting on my credit and really hurting my credit.
Consumer complaint received 2018-02-20
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. (HI)

XXXX XXXX XXXXXXXX XXXX XXXX is my Commercial policy Insurance Company. On XX/XX/XXXX and XX/XX/XXXX I was rear ended and suffered severe debilitating injuries resulting in Loss Wages paid by XXXX XXXX XXXX XXXX XXXX  of {$2000.00} per month from XX/XX/XXXX to XX/XX/XXXX. Along with Personal Injury Protection Medical payments made by them to all my Medical providers. This company has in essence penalized me for these Accidents and has raised my Commercial Policy premiums from {$2500.00} per year to {$5900.00} per year for my XXXX XXXX policy. This is clearly based upon my filing of Bankruptcy in XXXX XXXX of Bankruptcy case # XXXX. 
I have filed several complaints with the Hawaii State Insurance Commissioner 's Office and have not received any justifiable results to correct the Over charging or the Injustice of being placed on the Joint Underwriters program. I should not be on this program and it is due in part to my credit rating that needs to be corrected with all credit rating bureau 's in the United States. The Bankruptcy Trustee has returned my cases a few months ago. But, I am still subjected to the same hardships, or difficulty with the legal system to pursue these matters, and receive fair and adequate settlements for injuries. So, I can move forward with my Surgeries and once again pursue my Businesses and Life per se. WILL FAX THE BANKRUPTCY COURT FINAL DECREE
Consumer complaint received 2023-04-10
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)

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX Balance : {$300000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-01-28
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: HSBC NORTH AMERICA HOLDINGS INC. (CA)

1. My old card expired, so HSBC sent a new card to my home ( U.S ), but it was stolen and used by criminal suspect from XX/XX/XXXX. when all transaction happened, I was physical located in XXXX, XXXX ( passport record can prove ) 2. In XX/XX/XXXX, I received a call from HSBC to remind overdue payment, then I found the credit card was on fraud. ( No text messages and phone call from HSBC to remind the abnormal transactions ) 3 I reported to HSBC about the fraud in XX/XX/XXXX and filed a policy report on XX/XX/XXXX in US 4. From XX/XX/XXXX till XXXXXX/XX/XXXX, I keep contacting HSBC fraud department and look for a solution ( made over 15 times phone call ), HSBC partially dispute the transaction, but still denied over {$6000.00} transaction. 

Complains : Here is the complains for my case : 1. Fraud department didn't make any progress from XX/XX/XXXX to XX/XX/XXXX.

2. In XX/XX/XXXX, Fraud department supervisorXXXX XXXX ( not sure the name is correct ) told me HSBC partially disputed the transaction, and suggested me call XXXX XXXX XXXX, I called more than 10 time of the number, but no response. so I have to call fraud department, but fraud department asked me call ( XXXX XXXX ), so I was a ball been kicked one side to the other. 
3. Fraud department told me different reasons of deny the fraud dispute requirement each times when I called 4. I required to talk to fraud department supervisor from XXXX ( >5 times ), only one time received call back, but no progress. 
5. it passed 6 months that investigator still can't get policy report, obviously, no one is working on my case. 

I attached " policy report card '' and and " I94 - Custom entry/exit record- which can prove I am physically in XXXX , not in US when the fraud happened ''
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Dear to Whom It May Concerns, This account is paid in full, and I need it to reflect on my credit reports As soon as possible. It is the job of the credit bureaus to make sure consumers accounts are up-to-date and accurate. This account is paid off.
Consumer complaint received 2022-01-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings (MS)

2013 online loan was made and paid. Then next loan was made and payment withdrawn early from my bank account. I contacted the comptroller who wrote a letter stating that the contractual agreement was broken by XXXX  and had the funds returned to my bank account. The letter was presented to my bank. My bank suggested closing the account after multiple attempts were made by XXXX to collect. XXXX continues to try to collect this payment and late fees and bars me from any of their establishments and affiliates. 

On today, I was given this collection letter with this address Ad XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX N. XXXX XXXX, XXXX, Kansas XXXX. They also operate under XXXX XXXX XXXX, XXXX, Kansas XXXX. This address was given to me by the XXXX XXXX XXXX.
Consumer complaint received 2022-01-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

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 sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX