davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (LA)

One time my husband XXXX and we applied for a hardship but HFC kept asking for the same information over and over and still came back and told us they did n't have enough information. Now I 'm trying for a hardship again and I have faxed my income, mailed my income, and in the process of mailing the income again. They claim they did n't receive the fax, then they say they ca n't read the information I mailed. It 's always one excuse after another.
Consumer complaint received 2018-06-26
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. (TX)

Experian is reporting inaccurate information and according to the FCRA everything that is that is reported on the credit report must be 100 percent accurate. Looking at my credit report and a response from the debt collector there is 2 different open dates.XXXX XXXX XXXX XXXX states that the account was sent to their office on XX/XX/2017 but it is reporting on Experian that it was open on XX/XX/2017
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a dispute to TransUnion on XX/XX/2024 and they sent the results on XX/XX/2024, File Identification Number : XXXX. I submitted supporting documentation. They did a cursory investigation which is not allowed by law and are in violation of multiple FCRA statutes. The reason I'm stating this is the account is still reflecting 60 days late to include a " 30 days late '' for XX/XX/2024. TransUnion is now " willfully '' in noncompliance according to FCRA 616 and " negligent '' non-compliance to FCRA 617. TransUnion continues to report inaccurate data after multiple requests to fix it, against FCRA 623 ( a ) ( 1 ) ( A ) " knows or consciously avoids knowing that the information is inaccurate. '' FCRA 623 ( 2 ) ( B ), FCRA 623 ( b ) ( 1 ). FCRA 611 ( a ) ( 5 ) ( A ) states that " inaccurate '' data must be DELETED. I want this account DELETED because they continue to report inaccurate data with this account which is detrimental to my financial stability. They are unable to report accurate data so they should relieve themselves of this duty and DELETE the account. I'm attaching a ledger from the Family Support Division that I downloaded from their website that reflects no 30, 60, or 90, days late for the periods in question. This is causing great harm to my financial status. I'm attaching previous results, the payment ledger, the first and second dispute letter sent to TransUnion, and a support order reflecting a {$400.00} payment that needs to be made due to the age of children per California law.
Consumer complaint received 2022-04-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (CA)

Said account was paid in full when I returned equipment in person to XXXX  dealer in XXXX in XXXX. The total amount of XXXX. XXXX dollars was paid and I never received another notification stating I owed this debt until XXXX when I opened up another XXXX  account. I contacted XXXX  immediately customer service about account number XXXX XXXX when it appeared on my credit report as a derogatory collection. I spoke to someone regarding this account and have a reference number XXXX where it was settled that I returned the equipment and paid this account in full and it would not be on my credit report again. Now I have a debt collector at sunrise debt collections XXXX stating I still owe the money and it is still appearing on my credit file and credit report and it was said to be removed they State I still owe the XXXX. XXXX dollars and will not remove it from my credit file
Consumer complaint received 2020-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

On XX/XX/XXXX, I requested to have my taxes and insurance removed from my escrow account with Caliber Home Loans. I received a response that my loan-to-value ratio is above 90 % ( for California ) This is a impossibility. I purchased my home in XXXX for the appraised value of {$400000.00}, after a {$20000.00} downpayment my original loan was totaled at {$370000.00}. My current principal is {$360000.00}. In order for my home to be higher than the 90 % ratio, my home would only be valued at {$400000.00}. Implying that in 3 years my homes value only increased {$1800.00}. 

Their own loan officer appraised my home value at {$430000.00} in XX/XX/XXXX while I was seeking out information to possibly refinance and my country tax accessor values the home at {$450000.00}. 

I presented this information to Caliber and re-requested the removal of taxes and insurance, in XX/XX/XXXX and I was yet again denied. Stating once again that I was above 90 %. 

I have ran out of options, and I feel that the mortgage company is stonewalling me on this matter.
Consumer complaint received 2018-06-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Gatestone & Co. International Inc. (FL)

On XX/XX/2018 I received a phone call from a company called Gatestone in XXXX. I have never heard of them nor do I owe them any money. I want no further communication from them in any form. They deceptively use phone numbers with an area code that appears to be the same area code as the phone number you are using. Gatestone  is engaging in deceptive debt collection practices in flagrant violation of the Fair Debt Collection Practices Act. They misrepresent who they are and are deceptive. They repeatedly asked for my address when I told them I wasn't going to provide anything to someone who is being deceptive.
Consumer complaint received 2020-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (OR)

My estimated federal tax payment for {$2200.00} was stolen from my mailbox sometime after XX/XX/2019, altered and cashed for {$4200.00}. I was not notified that I was overdrawn. I reported it to my local bank as soon as I discovered the check had been cashed for more than written. Corporate Wells Fargo has been in touch but is taking no responsibility and states it will not reimburse me despite my being a stockholder and a long term customer of both bank and brokerage, with no prior problems and an excellent credit rating.
Consumer complaint received 2018-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (WA)

I received a letter from a 3rd party debt collector who was attempting to collect a debt of XXXX. on or around XX/XX/XXXX. I wrote a response and mailed it XX/XX/XXXX certified mail asking for more information about the debt before further collection attempt be made. the letter from the debt collector showed the last date a payment was made on this account was on XX/XX/XXXX. In Washington state the Statute of limitations to collect is 6 years per ( RCW XXXX ) I stated in my letter if in fact this debt was mine it would be to old to collect by law. The Debt collector didn't provide any information that I requested via my response letter sent certified mail, and in turn sold the junk debt to another collection agency. this should be a direct violation of the law per FDCPA. Thank you for reading my complaint.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My Issue is with Bank of America Mortgage ( BOA ), I closed on this loan on XX/XX/2018 and I have contacted BOA on several occasions requesting that they notify the credit report agencies to notify to them that my account has been Paid and report account is in a Closed status. I only received mail correspondence from BOA stating account is paid in full effective XX/XX/2018 and that BOA do NOT notify credit report agencies of account status only negative reporting is sent to credit report agencies.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to follow up on our previous communication via CFPB, concerning discrepancies within my credit report. Once again, I find myself deeply troubled by the presence of unfamiliar entries on my report, and I believe it is crucial to underscore the seriousness of this issue.
Consumer complaint received 2020-08-20
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: Experian Information Solutions Inc. (IL)

fraudulent on my credit accounts : XXXX XXXX is fraudulent on my credit Acct # XXXX. 
XXXX XXXX & XXXX is fraudulent on my Acct # XXXX. 
XXXX  on my Acct # XXXX is fraud. 
XXXX XXXX  XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my credit Acct # XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXXXXXX XXXX  XXXX XXXX on my credit Acct # XXXX is fraud.
Consumer complaint received 2020-05-01
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. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2022-09-13
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: EQUIFAX, INC. (AE)

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 XX/XX/2022
Consumer complaint received 2020-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My credit report states that a Kohls Department Store was opened in my name on XX/XX/XXXX and states Account charged off. {$430.00} written off. {$430.00} past due as of XX/XX/XXXX. I filed a dispute with XXXX  and the dispute is stated it was updated. When I asked Kohls information on this account, I have heard nothing back from them.
Consumer complaint received 2020-08-20
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. (CA)

Chrysler Capital is destroying my credit score by reporting my lease as late to XXXX XXXX and XXXX XXXX. I made arrangements in XXXX with Chrysler to extend the lease the lease terms due to Covid related financial hardships. Chrysler assured me no negative credit reporting would happen during our length of our agreement. would not be Not only has Chrysler been reporting my account negative but they've also been assesing {$35.00} a month in late fees. I've contacted Chrysler 's customer assistance department and their executive office demanding they remove the erroneous reporting. I have been unable to dispute these reports since the credit reporting agencies do not allow more then 1 complaint against the same company, causing further damage to my credit score. I spoke to Chrysler on following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again today XX/XX/XXXX. I was told yet again today that they have made a mistake but that only the president 's office can remove the negative reporting and that could take up to 90 days, if they actually do it. I want this removed from my credit report immediately.
Consumer complaint received 2018-06-26
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: EQUIFAX, INC. (FL)

There is a laundry list of issues with equifax, first they refuse to allow me access to my own credit report. They ask me to identify information on the reports which they have listed as incorrect, for instance, an address I haven't lived at in 15 years, and an employer i haven't worked for in over 20 years. Secondly I've sent identifying documents to this agency three times, drivers license social security cards, birth certificates, utility bills, and they refuse to allow me to access my credit report. They also are allowing a fraudulent creditor who is under a XXXX XXXX XXXX  advisor alert to add fraudulent and false information on my credit file. They aren't allowing me to dispute the entry, and they refuse to seriously investigate, I've attempted to dispute three times with the little info I have. I was able to successfully retrieve a report through XXXX, but this agency will not talk to me over the phone about my own credit file, they are again wanting me to verify information such as addresses that they have wrong on their file, and they will not remove this fraudulent entry nor seriously investigate if it should be there.
Consumer complaint received 2022-09-13
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: EQUIFAX, INC. (GA)

I am submitting this CFPB Complaint today to follow up the previous CFPB complaint I submitted last XX/XX/XXXX. I have read that under the Fair Credit reporting Act section 650b, The Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. I was a victim of identity theft and that the items I dispute were the results of such crime. The disputed accounts and information were opened without my knowledge. The fraudulent items include the following : XXXX XXXX  XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Bankruptcy : Dismissed XXXX Reference # : XXXX. If the Credit Bureaus claim that the disputed items were verified and belong under my name, I request that the Credit Bureaus send me copies of proof of verification or any documents bearing my signature to support the Credit Bureaus claims.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (VA)

Hello - Hope you are staying well ... .this is a follow up to CFBP inquiry # XXXX ( both inquiry and response are attached ). The initial inquiry had two requests, only one of which was answered. 

I am requesting that Citibank confirm or deny that I have met the terms of each and every agreement with respect to the Citi AAdvantage credit card program and any promotions associated. To be clear, I am looking for clarification from Citi on the relationship between Citi and myself, and NOT involving XXXX XXXX. If there are violations, can Citi please provide examples of where I violated the agreements between Citi and myself?
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

see attatched USAA FRAUD TRANSACTION LETTERS dated XX/XX/XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX {$120.00} USAA CUSTOMER SERVICE SUBMITTED THESE AS FRAUD XX/XX/XXXX. WHY? WHY? THESE ARE RETURNED GOODS PURCHASED XXXX AND PAID ** BY MERCHANT XX/XX/XXXX ** BEFORE CLOSING DATE OF XX/XX/XXXX STATEMENT. see attatched XX/XX/XXXX statement. ** THERE ARE NO USAA CREDITS TO REVERSE. I DID ** NOT REPORT FRAUD ON THESE RETURNED ITEMS EVER! USAA REVERSED ONLY CREDITS ON ACCOUNT MERCHANTS {$340.00}. PAID XX/XX/XXXX. ( ** THIS RESULTED IN ** UNEARNED FRAUD REVERSED CREDITS. ) See attatched XX/XX/XXXX STATEMENT. IT CONFIRMS TRUTH. This created NEW PURCHASES ON XX/XX/XXXX. ** I DID NOT PURCHASE WHAT I RETURNED!! USAA OWES ME THE {$340.00} FROM XX/XX/XXXX.
Consumer complaint received 2018-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Recently a debt of {$3000.00} for a medical bill appeared on my transunion report. Prior to this I contacted the medical company bc they had sent me a bill in the mail that I had no idea what it was for, for that amount of money. I told them over and over submitted documents to them to prove that it was not me. I guess bc I dis agreed to pay this bill they sent it to transunion. It is the result of an identity theft. I have submitted affidavits to the IRS, FCA, and businesses to make them aware of the fraudulent activity I have been experiencing. Transunion needs to ha XXXX this removed from my report immediately as it doesn't not belong to me. There is also a XXXX XXXX account that shows negative on my report that I've disputed time and time again. This account was paid in full and was in good standing when closed. Please have this removed as well.
Consumer complaint received 2021-03-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (MD)

On XX/XX/XXXX of XXXX a loan was taken out in my name. The dealership along with Santander Consumer USA performed acts of predatory lending by using false and inaccurate on the loan application. My credit score on XX/XX/XXXX of XXXX did not meet the minimum score required to obtain a loan with Santander. 

I sent a certified letter asking for the original signed loan documents and any other information used during the loam process. Santander received that letter on XX/XX/XXXX of XXXX. I called on XX/XX/XXXX to follow up with them and they said they would email the documents. I asked them to mail them as the letter stated, they never mailed nor emailed the documents. It has been 45 days since they received my first letter for verification. This fraudulent auto loan account is causing unjust financial hardship for my family and I. Especially during the current Covid pandemic its been taking a huge hit to my credit scores and finances. 

I have sent out another letter to Santander Consumer USA asking them to remove this account from my credit report immediately since they failed to provide me the debt verification requested. Also I have sent a letter to the 3 major credit bureaus with the details of my dispute.