davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (WV)

I submitted a complete loan modification package and was foreclosed on well being reviewed Ditech claims I never submitted all paperwork yet I never received any notice and also a month after the sell of my home I received a letter saying I was reviewed for modification but was not approved due to no longer owning the home!! This is dual tracking! I also had a large payment misapplied and forced insurance to my loan when I was already paying for insurance!
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (FL)

I opened a bank account with PNC about a month ago. I had. A large balance. I was mailed checks and mailed a debit card. My checks and purchases started bouncing because the PNC Bank closed my account with no notice. 
I called the bank number and received no information. Today I was told I had XXXX in the bank but have not received it as of yet but just received a letter that my account is closed for no apparent reason. It is very difficult to get payment with XXXX on my purchases I sent back because they will not talk another bank card from other banks. They have to mail me a great deal of money in my returned items.
Consumer complaint received 2021-07-16
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. (TN)

I XXXX XXXX, rights of privacy have been abused and breached by this bureau which could be a direct violation of government law. This bureau is additionally in infringement of government law by detailing deluding accounts on their site without my authorization. This bureau is reporting inaccurate data on their site and based on the federal law, it is the bureau 's XXXX XXXX to guarantee fairness, unbiasedness, and a regard for the consumer 's right to privacy. Their carelessness has caused me trouble and I'm seeking litigation.
Consumer complaint received 2018-07-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BB&T CORPORATION (FL)

I paid a fee to secure a locked rate on my mortgage interest rate at 3.625 % I was given a 3.75 % rate at closing and a year and a half later I was given a " remediation '' check in the amount of {$2100.00} dollars for the rate lock I paid for that never occurred. This is a very deceptive practice. Classic Bait and Switch. When I brought it to the attention of my Loan Officer XXXX XXXX at closing. She acted as though the conversation and transaction never happened. Since a " remediation : check was dispersed to me, it solidifies my contract issue. This is a clear breach of contract, and Bad faith business transaction. I have no one in my corner and am at the mercy of whatever my mortgage company says happened. Even though I know they are not being truthful.
Consumer complaint received 2023-02-09
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: Experian Information Solutions Inc. (TN)

Experian sent the attached letter to me in response to my advocates reaching out to Experian on my behalf. 
I wrote to my State Senator and to the US Secretary of Veteran 's Affairs for help. When they reached out to Experian, the company refused to allow them to advocate on my behalf. 

Experian dismissed my advocates work on my behalf in what is a clear violation of the Fair Credit Reporting Act. Furthermore, Experian claims my request for advocacy is " alleged '' and they seem to be acting in a vindictive manner toward me as a result of my dispute of their false claim that I have an " insufficient credit history, ' when I have an extensive, positive credit history dating back over XXXX  years. Experian should not act in such a childish manner and I have reinforced my position with Senator XXXX and Secretary XXXX on this point. 

Please ensure that Experian is revealed to be the out of control organization that they are, having made the decision to punatively sanction me ; A person who served his Country twice with honor - once as XXXX XXXX military and again in XXXX  XXXX XXXX, but who isn't even allowed to open a checking account at XXXX XXXX XXXX XXXX now because of Experian 's vindictive actions against me.
Consumer complaint received 2022-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commission identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-05-23
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc. (AL)

On XX/XX/2021 I filed a complaint about the actions of I C system and the fact that they communicated with a relative of mine in regards a debt that they are trying to collect. I also complained that as data furnishers they failed to provide the CRAs with 100 per cent accurate information which was listed on my credit file. These are violations of my rights as a consumer and are very injurious to my financial health. I C System sent me a letter ( see attached ) stating that as a result of my dispute they will cease all communications as well as any collection activity. They did not cease collections. In fact the very letter in which they stated they would cease collections had a request for payment and they are also still reporting this debt to the CRAs. Its my understanding that credit reporting is an attempt to collect a debt or at lease to coerce consumers to pay debt. I C Systems has not kept their word as to their debt collection and continues to violate my rights.
Consumer complaint received 2020-08-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (CA)

We purchased a used XXXX XXXX in XX/XX/XXXX and financed by Westlake Financial. Then in XX/XX/XXXX the registration was due. It seemed high but we paid it. In XXXX of XXXX it was due and was really high again. So while at DMV we inquired why. Seems their is an error on title on the XXXX XXXX so we are being charged as if it is a new vehicle. 3 times higher than it should be. To correct it the DMV told us to send the document to our finance lender so they can return title to DMV to be correct and then they will send it back to Westlake Financial and then we can ask for a refund for those extra fees. But  Westlake Financial hasn't responded to the request. We have emailed the document on 3 occasions and spoke to someone almost every week since XX/XX/XXXX. As of today, XX/XX/XXXX the DMV has not received title back to correct it.
Consumer complaint received 2018-07-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC (FL)

I have a medical bill that was sent to my auto accident attorney by mistake ( hospital assumed 2 visits were auto accident related although only one was ) so I never was given the opportunity or notice to pay a bill. Ran my credit today and realized the amount was {$1500.00} was sent to collections and hospital said they sent the bill to my attorney and could not discuss it with me. Attorney said it is not accident related and thats why they did not forward me the bill.
Consumer complaint received 2022-04-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

On XXXX XXXX XXXX  I submitted an application with Carrington Mortgage Services . Throughout the process I have been totally transparent. All income information was submitted and verified by 1099 's, W-2 's and pension statements. I meet all requirements of credit worthiness. I have been in my home since XX/XX/2003 and not delinquent on my payments. I have more than {$220000.00} equity in my home. The home is valued at XXXX the existing mortgage is {$100000.00}, I requested a refinance for XXXX. I have been undergoing the loan process for approximately 90days and no closing has occurred. There were some hiccups along the way, but all have been rectified by being fully cooperative. Today ( XXXX ) I received a letter from Carrington Mortgage stating that my application has been withdrawn citing no reason for their actions. I called the company to speak with the loan officer and underwriter, the results were negative. I am angered because I began this process when the rates were low ( 3.625 % ), now they have reached almost 4.75 %.
Consumer complaint received 2021-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2021, i wrote a letter requesting some proof on how inaccurate accounts were verified on my credit report. It has been almost two months and i have not heard a response when the fcra gives 15 days for them to provide me this information.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

I have a loan with XXXX/WELLS FARGO and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/WELLS FARGO and XXXX XXXX with no successful resolution. XXXX, XXXX, XXXX  reporting me late. There was definitely an error on their part. I was never 60 days late ( XX/XX/XXXX, XX/XX/XXXX ) and I was never 90 days late ( XX/XX/XXXX )
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020

Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

Havent seen my credit since XXXX of XXXX. I call the bureaus XXXX XXXX equifax and XXXX and nothing is reporting.
Consumer complaint received 2022-04-05
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. (PA)

There has been some information that has been reported on my file. I am a victim of identity theft with the incorrect items being out on my credit report. I have reached out to each credit bureau but no changes have been made. This time, I reported the Theft Affidavit. I am a mother XXXX XXXXXXXX and I would like to get a home for my family and I but its been hard because of these. I would appreciate it if you guys would take care of this immediately as it is hindering me. This issue is frustrating and I just ask that I can be assisted in any way to help my situation.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Someone placed a credit freeze on my Experian credit monitoring account unbeknowst to me someone in the medical legal field decided to call in this freeze and wreck my credit. It took me several years to figure it out since my phone number had changed also. These professionals were retalitory since I had turned them in for workers comp fraud. 

To no avail and XXXX withheld benefits from my claim when my attorney XXXX XXXX and his case manager XXXX XXXX XXXX began to character defame me- as well as XXXX XXXX ( also a XXXX ) who listed my main injury XXXX XXXX XXXX and XXXX as the XXXX XXXX to protect my XXXX XXXX XXXX XXXX and his XXXX XXXX XXXX XXXX who wrote fraudulent reports as did XXXX XXXX DC. Both owners in XXXX XXXX XXXX gee a conflict of interest! Dirty play- yes indeed! 

My turn down for credit was high since no one could contact me at the new number. These people at XXXX who run my life are not honest and are dangerous. XXXX XXXX XXXX does need proof and that's a real life testament to XXXX XXXX corruption!!! And a XXXX community that hurts others for their esteemed XXXX XXXX XXXX. 

Now there are only so many people who have all my private infornmation and would retaliate and lie- XXXX  XXXX XXXX XXXX and XXXX XXXX my attorney. either way Experian needs to make ure the actual customer is placing freezes and not as in my case someone else!
Consumer complaint received 2022-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a victim of identity theft and this account is not mines. i have called the company and credit bureau multiple times to get it removed and block. please remove this account asap please. This account opening dates also do not match on my credit report.
Consumer complaint received 2020-07-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX US DEP ED Company Inquiries 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There has been some information that has been reported on my file. I am a victim of identity theft with the incorrect items being out on my credit report. I have reached out to each credit bureau but no changes have been made. This time, I reported the Theft Affidavit. I am a mother XXXX XXXXXXXX and I would like to get a home for my family and I but its been hard because of these. I would appreciate it if you guys would take care of this immediately as it is hindering me. This issue is frustrating and I just ask that I can be assisted in any way to help my situation.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/2020 Comenity Capital Bank charged me an interest fee of {$4900.00}. The reason for the charge is that I did not complete my payment on time for promotional interest rate. 

However, I sent in a payment of {$6000.00} electronically on XX/XX/2020 to Comenity Bank, which was posted on my account. Comenity Bank did not process my payment of {$6000.00} until XX/XX/2020. 

Now, I'm being charged {$4900.00} worth of interest, i have tried to explain and sent in transaction details, but they are not taking it into consideration.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX is reporting information about my educational record that they have no permission to report. 

Family Educational Rights and Privacy Act ( FERPA ) Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interests ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law. 

There is no contract or written permission where I { put your name } gave any written permission. 
If you XXXX believe that I have given you this permission I am requesting the document pursuant rule 1002. 

Further more my non-public personal information is Private. It is also confidential and you are violating my right to privacy and confidentiality by reporting this information illegally without written permission. 
I sent over a dispute letter to the CRA 'S and they did nothing they could not proof anything they do not follow the law.
Consumer complaint received 2018-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (AZ)

I purchased a XX/XX/XXXXXXXX XXXX  with over 100k miles on it, in XX/XX/XXXX for {$8000.00} from XXXX. The vehicle was repossesed in XX/XX/XXXX. It is being reported by collection agency as account opened in XX/XX/XXXX with a $ XXXX   account balance. I have been disputing the correctness of this reporting with XXXX  and XXXX with no luck. I am being denied credit because of this. I just want it removed from all credit agencies.