davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This car was stolen on XX/XX/17 and the insurance company was in the middle of sending XXXX XXXX   there money to pay this car off. The car was gone for over thirty days and I got another car. This needs to be remove a negative payments.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the CAPITAL ONE AUTO FINAN still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus declined to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2019-08-22
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)

I sold my house located on XXXX XXXX XXXX, XXXX, ga, XXXX on XX/XX/2019.

1 ) my Payment history was never reported correctly by Experian, XXXX, XXXX for my Payments to XXXX and XXXX XXXX.

With both companies, I was in a loan modification program where payments were modified / delayed ; yet I was reported late. Very late by all 3 credit reporting services.

2 ) please contact XXXX, Experian, XXXX to correct their reporting of me - again, not late, but in a modification program.
Consumer complaint received 2018-02-07
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: SECURITY FINANCE CORP (MD)

Company Details : Name : XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Ref Person : XXXX Description of Incident and Identity Theft : I have a company named XXXX XXXX  in XXXX Texas who have sent me pre-qualified check without my notice and I didnt asked for to my old address, which was cashed by someone else on my name. It was reported to all three credit bureau by the company XXXX XXXX  under my credit which is effecting so badly. 

I have already contacted the XXXX XXXX upon this 4 months back and the above incident happened in XX/XX/2017. Till now the incident is not cleared from my credit and company is deliberately delaying the entire process. I still dont trust this company. I need some help in dealing with this XXXX XXXX 


I request you to take action against this company due to the following reasons : 1. I have never asked them to send me a prequalified check/check without my notice. 
2. No financial company sends directly a check to cash a loan under any circumstance without prior information to the person.

3. They have used some this script tracing to find my current address and contact which is illegal.

4. Upon all these also they are not responding properly I think this is a fraud company who collects personal data.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX  / XXXX  / {$1100.00} / XX/XX/2022
Consumer complaint received 2021-11-09
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: AMERICAN EXPRESS COMPANY (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account, AMEX, is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate properly and remove it from my personal credit file.
Consumer complaint received 2020-01-24
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. (NJ)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I HAVE FILED A COMPLAINT ON XXXX AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2020-01-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Yamaha Motor Finance Corporation USA (TX)

On XX/XX/2020, XXXX XXXX XXXX purchased all loans from XXXX for all XXXX products financed with them. Since the transfer, XXXX XXXX XXXX is not recognizing the payments made to XXXX prior to the transfer and are demanding double payments and charging late fees! This is unacceptable and when you call, you can never talk to anyone and when you do get through, they cant provide any details. These payments to XXXX were taken out of bank accounts.
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (IN)

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX  / XXXX  / {$1100.00} / XX/XX/2022
Consumer complaint received 2021-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. In spite of the numerous previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the account that needs to remove : THE BUREAUS INC - XXXX
Consumer complaint received 2019-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NY)

My American Express credit card statement for XX/XX/2019 included a charge of {$2700.00} from XXXX XXXX for a flight I did not book or take. I reported this to American Express and they set up a fraud claim, credited my account and replaced my credit card. That should have been the end of it, but I recently have received a letter from American Express saying that they are reversing this determination because " According to documented company records, you provided your account number to a Service Establishment '' and " By doing so, you are giving them permission to charge your account. '' The letter stated " If you wish to pursue this matter further, you should contact the merchant directly '' which of course I have done. The American Express response means that if there is a fraud involving any merchant with whom I have done business using my credit card, I have no protection. This seems crazy. I have talked to the XXXX XXXX fraud office but have received nothing in writing from them.
Consumer complaint received 2018-02-07
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 — Problem with personal statement of dispute
Company: Account Control Technology, Inc. (NC)

Account sold. Nomaccounting information being provised on this account after repeated inquiries. Master promissary notes are not original contracts. Accounts have multiple servicers and can not obtain accurate information on none of these accounts. All i get is threats of wage garnishments. The amount on the account is grossly well above the cost to attend the institution. Amount on credit reporting agency is XXXX but letters sent to me is XXXX. School doesnt cost nowhere near that to attend. Accounting information needed to verify this account. Amounts on promissary notes sent to me are thousands of dollars less than being reported and letter sent to my address of garnishment. There is over 23000 difference.
Consumer complaint received 2022-04-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (MD)

Yesterday, XX/XX/2022 my wife called NewRez Mortgage company to ask about a HELOC for our mortgage. They stated they did not offer a HELOC but other types of loans. At no point did I speak to the gentleman on the phone nor did I authorize my credit to be pulled by this company. Today I am receiving multiple calls from other Mortgage Lenders in reference to my credit being pulled for a loan. I never authorized my credit to be ran. In fact, I never spoke with anyone on the phone at all.
Consumer complaint received 2019-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (KY)

XXXX added a collection in XX/XX/2019. I contacted them directly in XXXX of this year and again in XXXX of this year. The representative I spoke to provided the account information as well as the address for the account. The address on file is an address I have never been associated with. In XXXX the representative and I went through the steps of filing a fraudulent account claim. They assured me that the account would be deleted from all 3 of my credit reports. In XXXX, the account was still reporting to all the bureaus. I contacted XXXX again and the representative said the only way to appropriately file the fraud case was to contact the collection company directly. I called the number to Diversified Consultants provided by the representative and the representative for the collection agency said that even though the account was not mine and a fraudulent claim was filed, the account would continue to stay on all 3 bureaus until the balance was either paid in full or settled. I have never had XXXX service.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

While none of the other bureaus are reporting this information, TransUnion is reporting inaccurate information with regard to the Tax liens, which remain in my credit report. In accordance to the National Consumer Assistance Plan, inaccurate or incorrect tax lien information should not be reported.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Dear CFPB, Due to unexplainable activity which arose when opening account ending # XXXX for a secure credit card ; I wanted more information pertaining to my account ending XXXX. 

I mailed Bank of America a notice of complaints and requested documents ( local branch and corporate office ) pertaining to my account ending XXXX. Bank of America was given 20 days to respond. Attached is the copy of certified mail sent XX/XX/2022 and green return receipt they received dated XX/XX/2022. ( no green receipt from branch office ) Bank of America has already had 34 days. I received a letter yesterday XXXX, Dated XX/XX/2022 ( attached document ) stating they will respond in 30 days. 

I've shown good faith towards Bank of America concerning time but Bank of America has failed to honor my request for documents in a timely fashion. Whatever assistance that you can provide will be greatly appreciated. 

my BOA 's case # XXXX
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

On XXXX I logged into My American Express account and was informed that my accounts have been closed. 

Their support team online provided a phone number that describes its working hours from XXXX XXXX XXXX XXXX XXXX eastern. I called this number 8 times and nobody was working. 

No written notice of account cancellation was provided. Nobody from American Express has attempted to resolve this issue in a timely manner.
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — Store credit 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 (IL)

I applied for menards capital one card in store XX/XX/21. XXXX XXXX XXXX XXXX, XXXX IL XXXX. I purchased {$4800.00} in appliances. I was told that i would receive the card in the mail. I never received the card. the menards customer service agent incorrectly input my address. i never received the card and the statements. i have always paid by bills on time and never had any lates. i was notified a few months later that i was delinquent on my account and I paid my balance in full. I disputed directly with capital one and they said they will not removed lates. I was also charged {$370.00} in lates and fees. I am trying to buy a home. I have never had any lates before and now my credit is badly damaged. I believe this is not a fair representation of my credit profile. I believe that capital one should remove the lates and should consider my payment in full as evidence of my good will.
Consumer complaint received 2020-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

I paid off my house before XXXX, XXXX with a cashier 's check through regular mail exactly as PNC Mortgage instructs in their payoff letter. In fact, PNC has a copy of my envelope proving that I mailed my payoff before XXXX. 

In XXXX, PNC deducted via EFT a mortgage payment for my house after it was paid off. When I called to find out why they did that, they said they didn't get my check, so I stopped that check with a {$30.00} fee and started all over with a subsequent amount from a subsequent PNC payoff statement that I mailed on XX/XX/XXXX. 

Then later in XXXX, PNC says that my first check arrived on XX/XX/XXXX. 
On XX/XX/XXXX, they sent a letter that my loan was paid off. 
On XX/XX/XXXX, they sent a letter that I owed {$29000.00} and that it should go to a P.O. Box instead of the street address that the previous payoffs had gone to. 

When I called to say that I didn't owe them anything, I got nowhere with the agent I spoke with. However, the first time I called in XXXX I had the presence of mind to get a full name and direct # of the person I spoke with. She knew that my loan was paid off, and that PNC 's records didn't indicate that. She gave me the impression that California doesn't talk to Ohio in this firm, which is PNC 's internal problem, not mine. 

My house was paid off in XXXX and it is now XX/XX/XXXX. I still have no lien release, nor my original note. I have no final statement from the lender showing my loan is paid in full. 

My suspicion is that this lender claims that payments to them are lost in the mail routinely, to falsely justify collecting extra mortgage payments at the end of the loan. If I had not gotten the name and number of a PNC employee who was sympathetic and knowledgeable in XXXX, I'm sure I would still be trying to make PNC believe that I have paid off my house twice now.
Consumer complaint received 2020-01-24
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: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I have attached letters from XXXX XXXX  stating they have bought the debt back and are the owner of the debts being challenged as fraudulent. This means PORTFOLIO RECOVERY is to remove the debt with XXXX/XXXX  XXXX  IMMEDIATELY from my report. XXXX XXXX  has been full of lies. They promised me a check in writing to CFPB and me on XX/XX/2020 and then when I called them to find out where it is they were rude and admitted that their notes are full of contradiction and told me they are NOT sending the check they promised for {$220.00}. Furthermore I have a letter showing one account to be found fraudulent and by phone they tell me it's not fraudulent, still opened, that the amount they have refunded me of {$120.00} is being added back to the balance of the still opened account. Until this is resolved I don't trust anything they say. Therefore I am making sure PORTFOLIO RECOVERY is removed as they too can not provide any contracts or proof this is my account AND they letter from XXXX XXXX, dated XX/XX/2020, states they are the owner of the account and have bought it back.
Consumer complaint received 2019-03-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

We fell behind on our mortgage payments and after we realized we werent able to catch up we contacted Shellpoint Mortgage Servicing and submitted an application for borrower assistance. After being asked to submit and resubmit numerous documents finally as of XX/XX/2019 out application was considered complete, we received in the mail a letter stating they were reviewing our completed application and while application was being processed we would be granted relief from further action towards foreclosure. Then a couple days later we were served with a court summons stating that shellpoint had filed a lawsuit for foreclosure against us ... .the filing date was XX/XX/2019 the very day after they labeled our application for assistance complete. When I contacted shellpoint about this error / contradiction of what their letter stated I was told that foreclosure had actually begun XX/XX/2019 ... ..though nothing was ever filed with XXXX County court before XX/XX/2019. Even if they had begun moving towards filing a foreclosure lawsuit according to the letter Shellpoint sent us further action wouldnt be taken until a decision on loss mitigation was made ... ..its obvious the continued forward with steps towards foreclosure by filing lawsuit on XX/XX/2019. From research Ive done this is prohibited by federal law and is considered dual tracking which falls under fraudulent activity my a mortgage servicer. I maintained contact for weeks jumping through every hoop shellpoint reseated we jump through having faith they were truly out to help us find a resolution to move forward ... ... when all the while they were perusing foreclosure at the same time as they were helping us. I feel Shellpoints actions are deceptive and dishonest and dont follow the regulations set out in RESPA.
Consumer complaint received 2018-02-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: NPS GROUP (MO)

I received a call at approximately XXXX hrs on XX/XX/2018 about a debt that has been charged off. The caller, XXXX XXXX has called me attempting to collect debt for other companies who I didn't owe or companies that I never even heard of or conducted business with.
Consumer complaint received 2022-04-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION (NV)

This is my second complaint regarding Navy Federal Credit Union. I want to close my savings account. Their prior response says " XXXX XXXX is not eligible for new accounts or services until her loan accounts are paid in full. '' I don't want any new accounts with this credit union ; I want to close my existing savings account. Thank you and have a nice day.
Consumer complaint received 2021-11-09
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  - XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  - XXXX XXXX Inquired on XX/XX/XXXX XXXX