davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-22
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: JAMES B. NUTTER & COMPANY (LA)

A notery came to my home and lied straight through the hold thing. She assured me I could stay in home until time of my death. I was only XXXX then. We never did have couceling or I would never have signed off on the loan. And even Hud just passed the law that would allow me to stay in my home, XXXX XXXX XXXX HAS IT UP FOR AUCTION ON XXXX at XXXX .I called when I turned XXXX and XXXX XXXX XXXX XXXX me it would cost me XXXX to get on loan that if I waited until I was XXXX it would be cheaper, That was a lie. He wants me to come up with XXXX.I lost my husband on XX/XX/XXXX. I am now XXXX and no money, no home. So my advise to the old folks out there. beware. Do not listen to the lies they are telling people.We took the mortage in XX/XX/XXXX and he never did record it until Legale Aid who I thought was on my side but not so called him and and told him to go register the loan at the court house. which he did after all these years. 
XXXX XXXX, XXXX. XXXX
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

issue : Capital 1 place 3 late payments on my credit report. We were never notified. We had not used the card and had no balance.

They stated there was a {$29.00} yearly fee but we never received any billing of this. We have been in our house at that time over 1 year and had received others, but this bill. They waived the {$29.00} but kept the late payment on there and closed the card. 


AC # XXXX
Consumer complaint received 2016-02-05
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FC HoldCo LLC (NY)

I applied for a car loan at the dealer, was told I qualify Flagship Credit Acceptance. I have late fees for monthly missed payments with Flagship. Whenever I specifically ask to have late fees added to that payment I am making they say yes, after I pay, I am told the late fees are added to the principal payment. I have recorded at least XXXX conversations. Today, I am 35 days behind and am being told that my account has to be brought up to date in order to have access to my account online. I asked the male rep may I have copies of their rules and regulations, it was never mailed to me, despite having ask at least 3 times before. He replies, to get it online, my reply was how can I get it online when you told me I have no access, he starts telling at me to stop yelling, which I was n't. He hung up on me. I am told so many contrasting and different rules by workers.
Consumer complaint received 2022-02-07
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. (MI)

TransUnion has reported information and obtained information from companies other than myself without my written consent. No consent is identity theft. I did not give TransUnion my written consent to do so. TransUnion is in violation of 15 U.S. Code 1681b, 15 U.S. Code 1611, and 18 U.S. Code 1028A. Attached are items that has been reported without my consent TransUnion please send me a copy of the letter that I handwritten and gave you my permission.
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

The company closed my account in response to my previous complaint. No worries, y ; all XXXX  anyway. 

I'm glad the relationship is over, however I still don't have a resolution to my complaints regarding fraudulent transactions on XXXX. Two tansactions totaling XXXX dollars were " investigated '' but no results or funds were ever provided. I was complaining about the lack of resolution, how ironic they closed the account, WITHOUT TELLING ME, about that complaint. Call me, begin a complaint, then never complete it. But you closed the account. 

Where is my money? How long does it really take to investigate a non-delivery? It has been well over the 120 days indicated, again, how does it take that long? Yall are XXXX. Give me my money. If you're reading this, close your account, or never open one with them. They are the absolute worst.
Consumer complaint received 2022-08-08
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. (NY)

XXXX XXXX has not been validated and is currently disputed. 

Have applied for mortgage and is preventing me from being approved. 

This inaccuracy has been disputed for the past 24 months and the creditor has changed dates and name of creditor repeatedly in order to keep erroneous information on all 3 credit bureau reports.
Consumer complaint received 2016-11-16
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (AL)

I wrote checks from XX/XX/XXXX-XX/XX/XXXX to a person from my Wells Fargo checking account. The signature of the recipient was forged by multiple people, and the funds were released from my account. Several of the checks were not signed, but the funds were allowed to be withdrawn from my account anyway.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to formally file a complaint against Equifax concerning their failure to address the inaccuracies on my credit report, despite my documented efforts to rectify the situation. 

On XX/XX/2023, I sent a dispute letter to Equifax via mail requesting an investigation into inaccurate items on my credit report. These inaccuracies have had adverse effects on my financial standing and credibility. In addition, I disputed incorrect personal information listed on my credit report. 

Despite my efforts to comply with the Fair Credit Reporting Act ( FCRA ) guidelines and provide all necessary information, Equifax has failed to acknowledge or act upon my dispute within the legally mandated time frame. I did not receive a response back from Equifax with the investigation results. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to Equifax as proof. I am now demanding Equifax immediately and permanently remove the disputed items from my credit report.
Consumer complaint received 2020-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

Dear Sir/Madam, On XX/XX/XXXX, I made my first mortgage payment on time in the amount of {$2400.00} and also included an additional principal payment of {$45.00}. These initial mortgage payments were made to XXXX XXXX XXXX my initial mortgage provider ). 

My loan was then transferred to Lakeview Loan Servicing , LLC. My principal balance with Lakeview Loan Servicing does take into consideration this additional payment Lakeview Loan Servicing states my principal balance after the first payment is {$430000.00} XXXX  stated my principal balance after the first payment was {$430000.00} I have called both parties and written to them and have been ignored saying the issue can not be fixed. 

Kindest regards, XXXX
Consumer complaint received 2017-03-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (PA)

I received a letter from LoanCare stating I had insufficient flood insurance on my vacation property. I have XXXX buildings on my property ( front & rear ). I have XXXX policy numbers XXXX for each building. The policy offers XXXX premium options for each policy. LoanCare paid both premium options on the rear building & neglected to pay the front policy. 
After speaking with 16 different " insurance specialists '' over 3 days for over 7hrs I have received 16 different reasons that I do not have any flood insurance, but I do have a so called WIND policy???? I would like an insurance specialist to understand that the error is from them paying the XXXX premium options on XXXX policy only. I was advised today, XX/XX/2017 that I must pay {$630.00} out of pocket to maintain sufficient flood insurance. If I do not make the payment immediately, Lender-Placed Insurance will be purchased at my expense ... and it will be costly.
Consumer complaint received 2015-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Consumer complaint received 2016-08-15
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

Pay pall refunded money to the person even after I reported, that it was nothing wrong with an item. When I protested it, they told me that the buyer will return the product. The buyer returned empty box, now I do not have the product and the money.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 2020-10-16
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. (GA)

On XX/XX/2020 I sent a certified letter to XXXX XXXX XXXX Account XXXX. : XXXX as well as the credit bureaus to validate the collection debt reflected on my reports. I asked them to provide the following items below for validation : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing, I agreed to pay this debt The Agreement that grants authority to collect on this alleged debt. 
A copy of your state license, including license number. 

They have violated my consumer rights and failed to validate this debt at my request ; which is an FDCPA violation and they continued to report a disputed debt which is an FCRA violation. The FCRA requires the company and bureaus to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2015-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Eastpoint Recovery Group, Inc (FL)

Repeatedly called and called my husband and disclosed my debt to him as well as threatened me with legal action. Claimed they sent me notice in mail did not receive so sent me email instead. I wanted written verification and said they could not do that.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Charge offs are considered income and should not be reported on my credit report according to XXXX XXXX XXXX ( XXXX ) and the IRS publication XXXX and XXXX XXXX XXXX. By definition the IRS clearly says a CANCELED DEBT or CHARGE OFF is considered INCOME. The Reporting of this account as a debt is INACCURATE and Unlawful INCOME is a certificate of INDEBTNESS, and the IRS treats the forgiven debt as income. 

XXXX XXXX XXXX XXXX XXXX XXXX are charge off accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are CANCELED DEBTS, that I have received copy b of my XXXX form.
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

This is a fraudulent account on my credit report, the FEDERAL TAXES/ IRS have already satisfied this negative remark on my acct as being paid off, please remove this, also a STATE TAX LIEN should n't be on my report, another fraudulent activity on my credit report.
Consumer complaint received 2015-05-18
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I filed XXXX times before complaints against " XXXX '', " XXXX '', " XXXX '', " XXXX '', because ; 1 ) They refused to send me my " Free Annual Credit Report '' claiming that they ca n't match my personal info, but at the next page of their website they offer me my Credit report for a Fee {$7.00} ; 2 ) They refused to investigate Frivolous items in my Credit Report. Obviously CFPB did n't took any action against them so " XXXX '', " XXXX '', " XXXX '' decided to take a Revenge against me by Re-age on XXXX a XX/XX/XXXX deleted Frivolous item, XXXX XXXX XXXX account # XXXX amount {$9700.00} which reduced my SCORE by XXXX points. Also " XXXX '' because they refused to investigate and delete XXXX Frivolous Bank claims ; a ) XXXX XXXX account # XXXX i closed it on XXXX, b ) XXXX account # XXXX i closed it on XXXX, both had XXXX balance at the time of closing them. As a result i ca n't open a new checking account with any Bank. My question to CFPB is why Proven Fraudulent Companies like them are allowed to Terrorize and creating problems to consumers in many different ways with Immunity ; Is it because they are allowed to do business by XXXX Politicians or because Corporations are Governing America???
Consumer complaint received 2023-04-05
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. (PA)

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 2017-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (TX)

while completing school at XXXX XXXX XXXX XXXX there were XXXX loans taken out for roughly {$12000.00} starting XX/XX/XXXX2016-XX/XX/XXXX2016. I finished school in XXXX and did not need extra loans taken out. I recieved a pell grant and private loan to cover the cost. I have spoken to my loan provider Great Lakes
Consumer complaint received 2020-08-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (GA)

On XXXX XXXX I received a response from pro collect that they would settle for XXXX instead of XXXX. Which I was thankful for that. But I called and reached out to Mrs. XXXX as it stated to in the response, reaching her was difficult I called on multiple days and none of the representative would transfer me to her.. so I submitted a complaint on here again and left a number and Mrs. XXXX called and we talked bout resolving the balance. I told her that I couldnt pay the balance of XXXX in full because I was out of work due to covid 19 and she gave me until Friday to email her on what I could do regarding balance. I emailed her letting her know I still wouldnt be able to pay balance in full. I never received a reply back to the email nor a call. I have been calling still trying to resolve the matter and nothing. I am being told I would need to speak with mr. XXXX which I will not do because he is very rude and unprofessional. I just want to settle and get debt resolved.. this debt is stopping me for being approved for a place to stay ... all Im asking for is some compassion and understanding.
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NM)

As of XXXX XXXX, 2016, FICO lists my credit score as over XXXX, but today, XXXX XXXX, Experian lists my score at XXXX which is not correct. I have an excellence payment record for years now, but I can not understand this problem with Experian and am making a formal complaint about it. The score should be more in line with the FICO score.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (KS)

this is not mineAccount nameXXXX XXXXAccount numberXXXX .... 
Recent balance {$0.00} as of XX/XX/XXXXXXXX openedXXXXXX/XX/XXXXStatusForeclosed. 
In dispute XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXAddress identification numberXXXXTypeMortgageTerms2 YearsOn record untilXX/XX/XXXX XX/XX/XXXXCredit limit or original amount $ XXXXHigh balance $ 0Monthly payment $ 0Recent payment amount $ 0Date of statusXX/XX/XXXXXX/XX/XXXXFirst reportedXX/XX/XXXXXX/XX/XXXXResponsibilityIndividualReinvestigation informationThis item was updated from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2021-03-23
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. (GA)

Disputed the alleged debt with the debt buyer by the name of XXXX management. They have attempted to validate this alleged debt and will not provide me with verification that I owe this debt. A signed loan agreement, signature and identification used to obtain credit. The furnisher by the name of XXXX is attempting to collect a debt on a charged off account, and also they do not have a certificate of authority to due business in the state of Georgia, I have disputed this debt several times. 
XXXX management or XXXX are both reporting to Experian and XXXX  under different names, both names of business are non compliant to do business in Georgia. 
Also, they are reporting an open account on a charged off Item.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had 3 credit cards with Capital One. All in good standings. A platinum, spark and XXXX for many years. In XX/XX/XXXXXX/XX/XXXX2020, I changed bank accounts and the auto pays went through my old bank account. After I received notice of this, I quickly called and rectified the situation to bring my account current. The next day Capital One closed all my accounts! Not only that but raised my interest rates ( they are different every month ) and I am not able to use these cards but still have to pay them monthly with extremely high rates during the entire year with NO WORK! They disabled their email contact forms, and the wait times for phone calls was over 8 hours. The unbelievable amount of unanswered complaints has lead to full Internet forums including joining class action lawsuits. My credit score dropped over 100 points and Im still paying my monthly payments just being able to cover the interest! This is so wrong and unethical on so many levels! These cards were meant for food and supplies during this time! One card I had for 15 years and only had that one late payment! Please Help! They need to be held accountable!
Consumer complaint received 2023-04-05
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. (VA)

My name is 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.