davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (MI)

In XX/XX/2020 I started the process to refinance my house. My mortgage company is Loan Depot, after speaking with my mortgage broker ( XXXX XXXX XXXX  ) and getting the process started, he told me it looked we could go through Loan Depot and " upgrade '' to a conventional loan and that they would just need another appraisal and that would be good because the value of my house has gone up considerably since we purchased it. So the appraisal happened with a Loan Depot affiliate and it came back way low. This caused us to pause the process and reevaluate our refinance. In the meantime Loan Depot had already moved our mortgage into what I was told was " underwriting '' this makes it impossible to make the payment to the current loan without calling it in. Calling Loan Depot is a very difficult process very long hold times and many transfers to different departments within Loan Depot in an effort to figure out where to make the payment. I had the same problem every month. I got through XXXX XXXX and XXXX but many phone calls to do it. We revisited refinancing again after paying for another appraisal. This appraisal came back more in-line with the local market XXXX higher than the 1st. Since this second attempt it is even harder to get in contact with Loan Depot to make the payment while in negotiations.In XXXX I spent 5+ hours on the phone trying to make a payment they kept saying that they could not find my account " it must be in underwriting '' is what I was told again. I had them send me an email stating this as I was complaining that the payment was going to be late and I couldn't have it show up on my credit report because I was refinancing. XXXX XXXX assured me that wouldn't happen this was totally their fault. She follows up with the email and in the email and says that she found my account number and here is how you can make the payment. I try this and the automated system will not work. So it takes many more calls to finally make the payment but not until XX/XX/XXXX wich I paid both XXXX and XXXX then. 2 days later I get a notice from Credit monitoring app sends an alert that Loan depot flagged my account as late. This Drops my credit score XXXX points. I dispute this at XXXX and I called Loan Depot they said they would fix it. Next notification I get is from Experience saying that Loandepot has said that the late payment was accurate and they would not fix it. I called Loan Depot and requested a supervisor or manager to call me I was told they would call me within 24-48 hours. That was last Wednesday. I never heard from them.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I was alerted of a credit inquiry on XX/XX/XXXX from XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Phone # : ( XXXX ) XXXX I called on XX/XX/XXXX they mentioned they never pulled my credit report.
Consumer complaint received 2021-01-26
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: Santander Consumer USA Holdings Inc. (GA)

Experian has refused to delete two fraudulent accounts from my credit report. One was recently deleted and later re-inserted without reason or notice.The Bureau Even added a fraudulent address to my credit report that doesnt belong to me nor connected to any of accounts on my profile. 

The accounts go as follows : Santander Auto loan and a Fraudulent XXXX bill reported By XXXX XXXX XXXX XXXX. 

The account was included in an identity theft report I submitted to the bureau two months ago. I Also Added a official police report, copy of my drivers licence and social security number Under federal credit reporting act section 605b these account should be blocked from my credit report, however XXXX credit services has violated the law over and over by refusing to remove fraudulent account and even re-inserting without explanation. 

If these account arent removed from my credit report immediately.I intend to sue XXXX credit services in small claims court.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I have contacted the XXXX  and Experian credit bureaus multiple times regarding public records of bankruptcy on my credit reports. I have disputed these items multiple times with the bureaus and each time it comes back verified through XXXX XXXX and Bankruptcy courts. I contact the Bankruptcy courts which they have responded that they do not report to the credit bureaus, therefore, the item is either a lie or an error. Either way, the reporting requirements do not comply with FRCA- 611 ( 15 U.S.C- 1681I ) and the information must be deleted. 
I also contact XXXX XXXX for a copy of verification of the public records as well. I received a letter from XXXX XXXX stating they do not have a bankruptcy file or record. Based on this, the method of verification is fraudulent and the items must be deleted from my credit reports. 
I have attached the letters from the XXXX XXXX and the Bankruptcy courts as proof of what I am stating. 

Experian- BK ID # XXXX BK ID # - XXXX BK ID # - XXXX XXXX- BK Docket ID # XXXX BK Docket ID # - XXXX
Consumer complaint received 2021-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc. (MN)

Last spring, I was suppose to have a wedding on XX/XX/XXXX. Due to the pandemic it was impossible to have the XXXX 
The governor ordered a stay at home band that started in XXXX and went past XX/XX/XXXX the day of the wedding. 
Due to not being able to have a wedding, I contacted our XXXX vendor XXXX XXXX XXXX to let them know. 
XXXX ( XXXX XXXX ) told me I still owed the full payment even without the service provided. Not only that if I didnt pay he threaten to add a 20 % penalty. 
XXXX the owner stated I would still owe the money in full and that I could use his service for whenever the wedding would be rescheduled. 
I told XXXX that I did not foresee when having the wedding would be due to the pandemic. 
As the date got closer on XXXX and XX/XX/XXXX XXXX bullied me via phone and email and told me he would sue or take legal action if I didnt pay even though he couldnt perform the service. Not only did he cause emotional stress on me during the pandemic of not being able to have a wedding, I was now being threatened to be sued. 
XXXX has now sent me to collection ( XX/XX/XXXX ) almost a year later. He is now going to ruin my credit on a collection he is trying to collect on for a service he did not perform. I believe XXXX owes me the {$300.00} deposit that was paid to him and he never offered to refund. 
Im extremely disappointed with how XXXX is using these abusive collection tactics during a pandemic. I had heard great things about his company prior to my experience with him. 
Im looking for your help and assistance to resolving this matter. 
Company info : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I authorize any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 


Summary of Accounts being challenged in list form XXXX - Account XXXX This is not mine. 

XXXX XXXX  XXXX - Account XXXX XXXX  - Account XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX  may presume that no proof of the alleged debt nor therefore any such debt exists XXXX - Account XXXX I don't recall XXXX late payments on this account XXXX - Account XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX may presume that no proof of the alleged debt nor therefore any such debt in fact exists XXXX XXXX - Account XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXXXXXX XXXX XXXX XXXX XXXX my presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2020-11-30
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. (AL)

My account was on Autopay with XXXX XXXX XXXX XXXX for a phone which I bought. I bought a new phone with XXXX and I was informed that the Autopay on my account was kicked out due to a new purchase on my account authorized by XXXX. I was never intimated on this decision, either offline or online. The credit bureaus informed me on Saturday ( XX/XX/2020 ) that this account is 'past due, ' which is due to no fault of mine. I have never missed a payment with any of my lenders including XXXX XXXX so far ( check my credit history for details ). As soon as I learned about the situation, I paid the amount due immediately ( including the late fees, which are again no fault of mine ). I was instructed by the customer service that I will receive a call from the supervisor within 24 to 48 hours, which was not fruitful. When I observed the autopayment screen on my account, it constantly showed 'Enabled. '
Consumer complaint received 2021-02-10
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)

Experian has incorrectly reported serious delinquency affecting my FICO score. Experian is 100 points lower than XXXX XXXX or XXXX  due to this incorrect information.
Consumer complaint received 2020-12-01
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. (LA)

On XXXX I sent Disputes to deleted all unknown and inaccurate accounts on my credit report but today is over 30 Days but there's still no response. I am a victim of XXXX Data Breach. I demand to deleted all the accounts or I will file a litigation
Consumer complaint received 2017-11-27
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: PRESTIGE FINANCIAL SERVICES INC (IL)

On XXXX XXXX, 2017 I went into XXXX XXXX XXXX with my pre-approval letter from XXXX to test drive a Red XXXX. The manager XXXX XXXX requested credit report with out my knowledge and consent. Because of this my credit was ran resulting XXXX Unauthorized inquiries. The next day I went back to the dealership asking for his supervisor. XXXX XXXX the General manager asked me to explain what happened and as a result typed up a letter on the companies letter head to all the Financial companies and credit reporting agencies requesting that they remove the inquiries on behalf of XXXX XXXX XXXX. Unfortunately, as of today NONE have been removed. Since then, I 've called, faxed, sent certified letters that XXXX XXXX drafted to each company as well as the credit bureau asking that that they be removed. Nothing has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquires are hurting my credit worthiness and credit score. The company is requesting that they be removed and now I 'm asking that they be removed!!
Consumer complaint received 2021-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MD)

I WOULD LIKE TO KNOW WHY MY ACCOUNT WAS CLOSED LAST YR.I WOULD LIKE TO KNOW WHY THE BANK CLOSE MY ACCOUNT AND ENDED MY BANKING RELATIONSHIP .CHASE BANK IS DISCRIMINATING AGANIST ME. 

I WILL BE FILING A LAWSUIT A FEDERAL CLASS ACTION LAWSUIT AGANIST CHASE FOR CLOSING MY ACCOUNT OUT.
Consumer complaint received 2017-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TX)

Company appeared on my credit XXXX without proper notification as they were obligated to do in accordance to FCRA rules. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. 
When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. From my credit report I see the original creditor is XXXX, however I sued XXXX and won as they were unable to furnish proof that the accounts they were attempting to collect on were mine as my social nor signature matched their files. I would advise this company to cease collection and remove ALL reporting from my reports as I have obtain legal counseling due to the selling and buying of a discharged fraudulent debt.
Consumer complaint received 2024-02-26
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX Balance Owed : {$790.00} XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$640.00} XXXX  XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-04-26
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. (KY)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The account in question in discussion is Capital one Bank Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX I was sick with XXXX I was unable to make that payment.. When I was well enough to work I did make the payment immediately.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TFC Credit Corporation of California (UT)

XXXX XXXX and TFC are double reporting a debt on my credit file. I recently pulled my credit and noticed that TFC was reporting a debt that had been sold off to a collection agency. Well I looked at collections and sure enough XXXX XXXX was reporting the debt along with TFC?!? This is a violation under the FCRA and it needs to be fixed immediately. I can not settle this account because I don't even know who to contact at this point, they've just been giving me the run around.
Consumer complaint received 2022-04-26
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. (KY)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (IN)

I have a U.S Bank credit card ( 5+years ), and have NEVER missed or been late on a payment. I have always paid more than the required minimum payment every month. U.S. Bank reports to the credit Bureaus around the XXXX. of every month. I used my U.S. bank credit card on XX/XX/XXXX to buy a couple of items, and I exceeded my credit limit by about {$200.00}, which they authorized. But, on the next day, they reported the " over the credit limit '' to the credit bureaus, which in turn immediately dropped my credit score 21 points. U.S. bank DID NOT inform me of the over credit limit problem, if it was a problem, or if I was required to make an immediate payment, but, the next day I made an {$1100.00} payment to my U.S. bank credit card account, which lowered my useage to around 60 %. However, U.S. bank will not report the payment to the credit bureaus til the XXXX of the month, but, at the same time, on any day of the month, they immediately report going over the credit limit by any amount!! THIS PRACTICE SHOULD BE ILLEGAL, AND UNETHICAL. Damaging a hard working American Citizen credit worthiness is an easy process for those banks/companies. 



Thank you
Consumer complaint received 2020-12-01
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: Bread Financial Holdings, Inc. (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, COMENITYBANK/WAYFAIR add a hard inquiry on my credit report per XXXX. On XXXX XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX  XXXX On XXXX XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  XXXX The report does not include information about the creditors. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.