davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MN)

Our mortgage was sold XXXX  days after we closed which is common practice. 

We were not notified of our XXXX payment date. We were not provided with a mortgage statement, we did not receive an e-mail, call or any communication. 

We received a welcome packet, no payment date, stated an estimated payment, but again no due date and it the packet clearly stated not a payment. 

Our statement arrived in the mail XX/XX/XXXX, dated XX/XX/XXXX, showing XXXX house payments due, XXXX past due. 

We called, were told we can not be helped, but you can just not make your house payment ... .. {$4600.00}.
Consumer complaint received 2021-08-20
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. (MI)

My name keep getting changed with Experian my name should be hyphenated but instead of hyphenated they put space, or either of my two hyphenated last name. I have tried several different things and sent id. This is third report!! 

Documents is their twice lowering my score.? unless Experian.com is fake..hacked somehow someone took over XXXX XXXX  rejection of emails
Consumer complaint received 2020-01-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Yamaha Motor Finance Corporation USA (FL)

Recently Yamaha Finance XXXX XXXX acquired all loan accounts from XXXX XXXX. My loan account was one of those that was acquired. I have tried time and time again to get in touch with someone that can help with the clearing things up with my payment that I made to XXXX XXXX  in on XX/XX/2019. Yamaha has failed to credit my account for that payment and as of XX/XX/XXXX is saying that my account is past due and I need to pay {$300.00} which is double the monthly payment that I agreed to when signing the loan agreement. Also my normal closing date for the loan is the XXXX of each month. Yamaha failed to honor that when they took over my account.
Consumer complaint received 2023-03-07
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2021-08-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (TX)

Please refer my earlier complaint against Wells Fargo XXXX. I would like to close my account. There is no chat or secure email option provided by Wells Fargo. When i called on the phone # - there is too long of wait time. 
Please close my account. I have already transferred my balance from there.
Consumer complaint received 2022-04-30
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. (AZ)

I have an inquiry on my consumer report that should not be there " XXXX XXXX XXXX  XX/XX/2022 '', it has been on my consumer report for about a month now.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DC)

On XX/XX/XXXX XXXX XXXX Spoke to Rushmore Rep in their Pay Off Dept. ; ( Refi Officer asked that I contact them for a corrected Payoff Statement ), was told take I missed a Mort. payment, although she could not tell me when ; prior to calling, uploaded Banks Stat from XX/XX/XXXX thru XX/XX/XXXX showing payments made to Rushmore in their online portal. Tried to get her to verify receipt, she would not. I'm trying to Refi ASAP ; Rushmore countinues to submit Pay Off Statement showing I missed " XXXX XXXX '' pymt ; I did not ; When I messaged Rushmore on their portal, they thank me for that pymt, and that they now would be apply to " XXXX 's '' missed pymt ; I did not.

Rushmore has reported to XXXX that I missed XXXX XXXX mortgage, I did not. The proof is attached and was also given to Rushmore on XX/XX/XXXX.
Consumer complaint received 2021-06-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

I called Quicken loan about va stream line and was told misleading information.I asked the agent what is the credit score required to file for refinance and was told XXXXAfter my credit was ran he told me XXXX and when I asked why did tell me misleading information he hangs up on me.Not was ran and they sold my information to another company without informing me. 
I filed small claims court case which is set for end XXXX because the broke law in California were a verbal agreement is the same as contractual. I called to file a complaint the was very rude to me.My wife credit was also approved without her consent the agent did not ask identifying information before was ran.All the information provided was was misleading.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (FL)

To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after reviewing it there is one account reporting on my credit files that I had no Knowledge of. The first account is Chase Card I did not authorize them to open this account. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in distress and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.
Consumer complaint received 2021-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC (HI)

This is the second time i have received a letter from American Coradius International LLC, stating that i owe XXXX money. I have contacted XXXX about the issue and their is no such thing as the amount that is stated in the letter. I have called, and have repeatedly told American Coradis that it is not valid and to have send proof for verification, which they have not done. They keep sending me mails, and calling me about it. I am tired of them using unfair and deceptive practices to collect debts that consumers such as myself do not owe. I hope their will be no third time for another complaint.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

I have written to TransUnion multiple times since XX/XX/XXXX. On XX/XX/XXXX someone fraudulently applied for a credit card in my name through XXXX XXXX. I contacted XXXX  XXXX and they contacted TransUnion and TransUnion sent me a letter on XX/XX/XXXX saying that XXXX XXXX had contacted them and they had removed the fraudulent inquiries from my account. I had also contacted TransUnion at the same time asking to have incorrect/fraudulent names and addresses removed. Last week I got a letter from TransUnion dated XX/XX/XXXX with a canned 2 sentences as the letter and an updated copy of my credit report SHOWING THE FRAUDULENT INQUIRIES FROM XX/XX/XXXX. This report also still contains inaccurate names and addresses. After receiving this letter, the first thing I did was go to XXXXXXXX XXXX XXXX to try to pull my TransUnion Credit report again. Although I was able to use this website to do this before ( and I absolutely can use it for XXXX and XXXX ), when I try to pull it for TransUnion, it tells me it cant confirm my identity. So I am not able to get the free credit report that I am entitled to by federal regulation, and which I absolutely need to access as apparently TransUnion is going to send me letters that lie and say that information has been removed and it hasnt, so I need to check this almost on a monthly basis to make sure that TransUnion is not incorrectly adding things to my credit report. Next I went to the TransUnion site to try to get a credit report. Apparently there is no way to do this without paying $ XXXX. I already had an account but forgot my password, and the code for forgetting your password is broken so it creates and infinite loop where it just keeps asking for your social security number ad infinitum. I then created a new account. When you look at the information on the credit report obtained from this TransUnion website ( that I had to pay { {$25.00} } to see ), you will see that the names on this online report dont even match the names that were reported in the hard copy report they sent to me. There are incorrect names in both, but they dont even match. Also the online report does not contain the fraudulent address that is reported in the hard copy. Furthermore, the online report seems to be showing that the XXXX XXXX inquiries were removed. I have gotten to the point where I have absolutely no faith that TransUnion has any idea what they are doing. I have multiple reports from TransUnion that dont even match. I have a letter dated XXXX from TransUnion saying that they would remove fraudulent inquiries and then they sent me an updated credit report on XX/XX/XXXX with the fraudulent inquiries still on the report. None of their website tools even work.
Consumer complaint received 2022-01-13
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-13
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. (CA)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1800.00}, XXXX XXXX BANK XXXX XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$13000.00}. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (TX)

I received a credit card that I never applied to, which was issued by Comenity Capital Bank.

I called to the customer service at the bank and explained her this situation and requested to cancel the card.

However, she asked my several personal information in order to verify me.

I informed my name, address and the last four digit of my social. 
I guess this information may be enough to verify me. However she continuously asked my date of birth. So I refused it because I am so much worry about leaking my personal information because the credit card was issued and the customer service center asked me so detailed personal information. I stopped talking and requesting to cancel my card again. 

Recently, I also received a credit card issued, which was linked to XXXX XXXX. I also called to the bank and requested to cancel it. It was not complicated and was not asked much delicated personal information.
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

WELLS FARGO BANK is reporting late, yet it is closed in my Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2023-04-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I have had my truck loan through Capital One for 3 years now. I have been repeatedly told by Capital One that I had a 10 day grace period beyond the 30 days. Capital one has repeatedly reported my payment late even though I pay within my grace period. I am trying to get a home loan and this is stopping me from getting it. I have XXXX XXXX helping me with this. Granted they have helped with moving a payment or 2 to the end of my loan, but that doesn't fix the problem.
Consumer complaint received 2021-08-20
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: R & B Corporation of Virginia (VA)

I have contacted Credit Control Corporation on 3 separate occasions in the last 90 days requesting validation for 4 different accounts they are reporting g in my credit. I have expressed several times that I do not feel I owe these debts. The last time I called and requested them to send it out, the girl I spoke with refused and said she could not send me anything. I requested a manager and she refused to transfer me then hung on me. Very rude and unprofessional. My right to seek validation is being violated. I have given ample time for proof of these debts to be provided. I gave also disputed on my reports and nothing is being done.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  acct # XXXX, XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer 15 U.S.C 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the called number
Consumer complaint received 2022-01-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo contact me by mail stating there has been a class action lawsuit already closed and they decided to audit accounts. During this first audit they review my account and determined the interested has been misapplied and issued a return check. I requested records and was never provided them in any format. I cashed first check. Months later another check with same explanation arrives, now totaling over XXXX. 
I filed complaint requesting records with misapplied interest payments/original bank records be provided along with reconciliations documents and audit findings. My available records where changed showing nothing incorrect or misapplied. They denied my request claiming that per their records no such actions of mis applied interest where ever made by Wells Fargo. After that Wells Fargo sent another letter requesting for me to cash XXXX check AGAIN. They stated via during first checks mail that there was interest made by Wells Fargo holding my monies in accounts other than mine and they additionally wanted to return that amount too. I filed another complaint requesting records. I was told by Managers that per the now available records and past statements they all show changed and correct AGAIN. I filed another complaint. They altered the original transaction bank documents to appear to never misapplied interest. They committed Fraud by altering original transactions records and falsifying transaction records statements. They are refusing to provide my correct factual bank loan statements. They committed Fraud by conversion and made interest off the monies. Denied all requests for Bank records. I'm unable verify if amount provided are correct due to records being changed and withheld. Additionally there is no documentation in my account showing any issued returns or actions taken. Per my account there is no documentation of audit review making account access. Wells Fargo XXXX is even making this unviewable to representatives of the department effected and took place it self, Dealer Services. The XXXX XXXX Wells Fargo Dealer Services starting XXXX. They claimed issued stopped 2017 via mail. Unable to confirm. Bankers in branch also unable to resolve or find. Bankers in person and phone confirm records have been altered. This is pure XXXX and dishonesty of duties and obligations.
Consumer complaint received 2022-08-17
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: Experian Information Solutions Inc. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-04-04
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. (NJ)

I HAVE QUITE A FEW FRAUDULENT INQUIRES REPORTING ON MY CREDIT REPORT. I NEED THESE REMOVED WITHIN 4 BUSINESS DAYS. THESE INQUIRES AREN'T ATTACHED TO ME AT ALL. EXPERIAN : XXXX XXXX, XXXX XXXX - Inquiry date XX/XX/2022 XXXX XXXX  XXXX XXXX Inquiry date XXXX XXXX, 2022 XXXX XXXX XXXX XXXX - Inquiry date XX/XX/2022 XXXX XXXX XXXX  : Inquiry date XX/XX/2022 2022
Consumer complaint received 2022-04-30
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

Thank you for treating your good customers like XXXX and closing their account after they pay off their balance. I made continuous on-time payments for the entire life of the account, until life brought unexpected challenges. I lost my job and was transitioning into a new one, which caused me to miss one payment. After I tried to get assistance in making payments, I was denied, as my life challenges were not " difficult '' enough for one missed payment. Thankfully, I received help from a friend and was back on track to bringing all of my Synchrony accounts up to date. Until your website glitched and charged my account for the entire balance. Well, at least I was fully paid on one account. My friend assisted me again to make my other accounts current until my new income kicked in, despite this being no problem of theirs. They truly cared about my situation. Though, a company that claims to care and consistently advertises that they will do all they can to help, when in actuality only brought more difficulties, would not be compared to a good friend. They are not even close to a concerned party. In response to being a loyal borrower until circumstances outside of my control caused a single missed payment, their only response was to take more money from me in fees and interest and then close my account after it was erroneously paid in full, as well as my other Synchrony accounts, which were now current. 
In regard to your response in a difficult time, I will be reporting these actions to all consumer report agencies, so that no one else will need to experience this disgusting behavior from a company that will promise help, but not follow through. # ANOTHERGREEDYCORP Thank you for ruining my credit by closing my accounts which were again in good standing, due to the help of a true friend. 
I only thought it fair to send my grievances here, in order for your company to have a fair chance at explaining why they behave in this way.
Consumer complaint received 2022-04-30
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. (AL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX - Card Service XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions