davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-02
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. (PA)

On XX/XX/2021 i sent in letters regarding inaccurate reporting false items on my credit report and i have not received a response yet i feel like im being ignored of my disputes. This deceptive practices by the bureaus.
Consumer complaint received 2019-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

After closing on my mortgage refinance, the new mortgage servicing was transfered from XXXX XXXX XXXX  ( XXXX, AZ ) to Lakeview/XXXX XXXX ( XXXX XXXX XXXX, CA ). 

Unfortunately, Lakeview/XXXX XXXX did not properly review the closing documents, did not pay on time the homeowners insurance ( despite this being clearly disclosed on the hazard insurance endorsement letter ) and did not update my mailing address to correct address ( this was disclosed on the Impound authorization and first payment notification sheet )
Consumer complaint received 2020-11-10
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: EQUIFAX, INC. (IL)

In XX/XX/2020, I became a Covid-19 affected employee. I missed a payment on my XX/XX/XXXX account in XXXX 2020. I requested that XX/XX/XXXX forgive my past due payment, due to my spotless 3 year payment history, and they sent me a letter stating they would remove my XX/XX/2020 late payment. I have attempted 4x to get the credit bureaus to update my account based upon the creditor 's correspondence, but they continue to fail to update and now refuse to allow me to further dispute this item to get it reporting accurately. I am trying to apply for a mortgage but I am receiving decline notices due to this very recent blip on my report.
Consumer complaint received 2020-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (MD)

I keep getting a call from a company saying Harrison & Harris Ltd attempting to collect a debt. There phone number is similar to Harris & Harris Ltd so I called them directly and they advised it is a scam. The phone number that keeps calling is XXXX.
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (NJ)

I am XXXX XXXX and I am the author, of this complaint. 

This complaint is specific - and, traceable. 

This complaint is about Equifax- and, their unwarranted data changes that have occurred on a Tradeline, when neither a dispute has been lodged nor- has the XXXX XXXX sent an updated file in YEARS. 

This is for XXXX XXXX Auto Specifically- but please know there are two accounts where Equifax changed the data. Data does not change on its own. However, the impact is demonstrative of what impacts to a consumer score. 

The Changes to this data, and done by Equifax- caused an immediate drop in scoring, Changes are visible from a before and after view of an account 1. The Date of the notification is XX/XX/XXXX 2. Please see the screen shot of the Alert/Notification from Equifax 3 . Please Also see the Scores before and then after ( in equifax ) 4. Equifax- removed the activity Designator 5. Previously was " Paid and Closed '' 6. Equifax erroneously added comments " Consumer Disputes- Reinvestigation In Progress '' 7. I have never disputed this account There are screen shots of Before ( f ) and after, there are also screen shots of the notifications. 

Please remove the false, misleading and inaccurate comments. 

Please put the Activity Designator BACK, to where it was. 

Or- please, verify the account, supply the source and method of verification, supply a new printed report and by usps.
Consumer complaint received 2021-02-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On XX/XX/2020, I sent letters to the corresponding major credit bureaus about inaccurate reporting false items on my credit report. It's been more than 60 and I haven't received a response from them yet. I feel like I'm being ignored of my disputes. These are deceptive practices by the bureaus.
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (IL)

I have a mortgage with PNC bank, who has misapplied my payments on several occasions. They continue to say I owe large amounts of money that I paid. They are not adding up the right amounts and keep taking out the wrong amounts. I have been transferred and feel as though I am being treated this way because I am a Minority. I have called up to seven times in one day and have not received any help. This can not be legal or ethical.
Consumer complaint received 2021-02-02
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. (NC)

I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items
Consumer complaint received 2021-02-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by USAA Federal Savings Bank. USAA Federal Savings Bank has knowingly and willfully violated the Truth in Lending Act. Truth and Leading TILA The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I am a Consumer and Veteran who has fought for this Country and USAA Federal Savings Bank would rather use misleading information and deceptive forms to collect on an alleged debt that has been paid for through a consumer credit transaction. This is unauthorized use of my credit card 15 USC 1602 ( p ). Please see attached
Consumer complaint received 2019-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

The due date was changed per Representative. My due date currently is the XXXX of every month. Due to a system update my due date is changed to XX/XX/2019. Due to Capital one system update, My payment went up XXXX in interest ). I do not want to change my due date. Made sure the representative is aware of this. She says they have to due to the update. The customer should not have to pay the price for Captial one system updates. Customer should not have to pay the extra interest due to their updates. Everyone doesn't have an extra XXXX dollars due to their decision on updates. This is a conspiracy and they are ripping off customers with extra interest. The customer is losing all the way around. This is a fraud. My bill went from XXXX a month to XXXX a month because of their updates. I call and spoke with representative and supervisor XX/XX/2019 XXXX XXXX. Yet the letter says you can change your due date. So, why change it and then charge the customer XXXX in interest. This really needs to be looked into. Just imagine how much money there cheating the consumer out of. This also causes issues to the customer who can due the new date and don't know about new date and get charged late charges. This has happen to me before.
Consumer complaint received 2021-07-12
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. (VA)

I'm no expert or anything but I know for sure that the three bureaus most report 100 % accurate information to a credit report, I took a look at my credit report not to long ago and there's nothing but INCORRECT items on my credit report that doesn't even belong to me. So not only is the information inaccurate across all bureaus but the items don't even belong to me. I've disputed multiple times and the bureaus aren't taking it serious, they're continuing to report incorrect items on my credit report, I will be attaching these inaccuracies to this complaint. It's honestly ridiculous. Remove ALL of these incorrect information so I can move on with my life. You are defaming me and I feel like I'm being toyed with. I also refuse to dispute directly through any of the bureaus because they clearly will not fix the problem. I'm just sick of this all together. Literally all you guys do is defame consumers for a living.
Consumer complaint received 2019-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

My Credit card, BEST BUY VISA. payments are due on XXXX of each month. I asked them to change the date to the begining of the following month because the XXXX falls close to the week end and sometimes it is difficult for me to get the money to pay at that time and there is usually a week end following that makes me Pay 1 or 2 days late. I drive to the Best Buy business to pay. They refused. The bill with due date XX/XX/19 fell on Monday, XXXX XXXX holiday, I paid it next day, Tuesday XX/XX/XXXX. On the next bill, they charged me {$27.00} late fee. I phoned and they said that I had already had a previous late fee removed and they can not remove this. I reminded them about the problem I have with the due date so close to the month end and asked them to extend the due date and they refused to do that and to exonerate the late fee. The next bill due on XX/XX/19,  Thursday, was paid on Monday, XX/XX/XXXX. I was charged {$32.00} late fee. Again they refused to remove the late fees. I I told her that the fees for such a short time is excessive. I asked her to send me the ruling of the late fees charges and she can not find the regulations, maybe if I go to the web site to see if it is there. I said that I am not computer literate to maneuver their web site. So, we are at a stand still which I hope you can help solve this issue. Thanks for your help.
Consumer complaint received 2022-04-02
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. (TX)

I am a victim of Identity theft. I have enclosed my ID, Identity theft report and a notarized Identity theft Affidavit proving it is in fact me that submitted this dispute. I did not make these charges mentioned with the list.
Consumer complaint received 2020-11-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

This company owed {$1100.00} XX/XX/2020 from me my account shows this is energy bill for 120 days dew bill this is not my bill its frad case I need help who did this.company names bellows Transworld system XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX
Consumer complaint received 2019-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

Hello, While I am thankful and grateful that Capital one gave me the chance to rebuild my credit with limited credit history I feel like the issue I am writing about is something that should have been handled better by capital one. 

My statement billing date up until recently was the XXXX of every Month. On XX/XX/XXXX I received an email from capital one stating my payment due date will be changed to XX/XX/XXXX. So Im sitting there waiting and waiting for my XXXX statement to print out so I would know how much to pay and nothing was sent. I called capital one 4 separate times asking them when my new billing cycle date would be and each time they told me their systems were still upgrading and I would receive something in the mail. Till this date I have not receive anything in the mail in regards to my new billing cycle close date or anything regarding to my new due date. I get an email XX/XX/XXXX telling me my XXXX statement was generated and I would have to pay XXXX dollars by XX/XX/XXXX. This information was not relayed to me via any email or any correspondence by Capital one which will now cause a large Credit utilization to report to the credit bureaus and will cause a negative impact on my credit score. If was able to know what date the billing cycle closes I would have been able to better manage my payments and my overall capital one account. Highly anger about the matter and would like my account to be reviewed for a resolution. Thank you.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (TX)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Fidelity Services, LLC (SC)

I received a letter on XX/XX/XXXX stating I had a debt with XXXX XXXX for a loan I supposedly took out in XXXX. I have identity theft and fraud and was able to contact them today. I was told the original loan was for {$600.00} and I now owe {$1200.00}. I asked if she could send me validity of the debt and I have yet to receive anything. The company that this debt was apparently assigned to is Midwest Fidelity Services, XXXX and spoke to a XXXX today XX/XX/XXXX. I have two police reports, one in XXXX XXXX where the fraud originated and one in South Carolina where it has continued. I have tried to call XXXX XXXX on XXXX and they do not show any debt ever taken out by me. My only presumption is that since the debt was sold to Midwest.
Consumer complaint received 2021-01-25
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. (AZ)

I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of the bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by the bureaus to resolve anything. the DAY after I filed my original complaint, data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. They must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2022-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S.C1681 section 602A. States I have the right to privacy.

15 U.S.C1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-08-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commercial Acceptance Company (DE)

I was not aware of this debt until I got a notification on my credit report, I never received anything in the mail/a phone call until after it was reported to my credit. Very rude representatives, constantly calling and harassing me about a debt I should not owe ( insurance information was given to pay ambulance bill ). When I spoke to them they expected a full payment of over {$1100.00} and were very rude to me when I told them I was young and didnt understand and was confused, and proceeded to threaten that they could keep me from being able to finance anything in the future as they would damage my creditors ( home, car, etc ). Now I have received a letter in the mail that Ive been ignoring them and if I dont pay within 5 days they will take further action.
Consumer complaint received 2019-08-12
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. (MO)

An account is being reported incorrectly on my report. It is through XXXX XXXX XXXX, a Collections Agency, account number XXXX. The collection was originally through a lender called XXXX. The reference number at XXXX XXXX XXXX for this issue is XXXX. This account has been CLOSED with a PAID IN FULL status since XX/XX/2016. However, this information has been incorrectly reported by all three bureaus. XXXX XXXX XXXX and all three bureaus have been contacted about this issue multiple times, but nobody is any help. I have a correspondence from XXXX XXXX XXXX, verifying that I am correct that the account is in fact Closed and Paid in Full. But it isnt reported that way. XXXX reports the item as Open and active in collections. Experian reports the item as a Charge Off, meaning that I still owe money for the account. XXXX still shows the account as Open in collections. This account should not be displayed as Active or Open in collections. It should be Closed. I should have zero accounts active or open in collections. It should be displayed as Paid In Full, not as a Charge Off. I am trying to refinance my mortgage and this issue is causing me undue financial stress. I do not want to have to file suit under the Fair Credit Reporting Act but its at the point I may have to.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX OF XXXX Account # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.