davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2018-01-23
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Financial Credit Service, Inc. (AZ)

I have received 2 calls today from a debt recovery company in Illinois. There phone # is ( XXXX ) XXXX 1st cal to me was at XXXX XXXX Az time, 2nd call at XXXX XXXX  Az time. Asked for XXXX XXXX, I asked who they were with. 1st call refused to tell me, I said I'm confident you have the wrong person, he was beligerent and I asked why are you so hateful. He made a desparaging comment that I could not understand. I asked him to repeat and he hung up. He was a XXXX male. 2nd call was a XXXX female, she asked the same questions, I told her my dob and it didn't match nor did the social security # she had. I said you have the wrong person, please stop calling me, with that she unloaded on me calling me every name in the book and frankly I didn't understand a lot that she said. Then she called me an XXXX. Remember, I said nothing bu that she had the wrong person and to please stop calling. I then asked her, " did you call me XXXX ''? She said yes and continued with her vulgarity, I told her I was going to report them. She said go ahead and continued her belligerent tirade and then hung up. I am XXXX and I don't need this type of treatment from anyone. Please help
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (GA)

JPMCB CARD SERVICES placed an inquiry on my XXXX credit file dated XXXX/XXXX/2022. and it's against federal law ( Fair Credit Reporting Act - 15 U.S. Code 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not request personal credit from you and only requested business credit using my XXXX and not social security number. Furthermore, I was told supplying my social would be a soft pull and used only to verify my identity however, this is now a hard pull on my credit report for credit I never personally applied for.
Consumer complaint received 2024-02-08
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to address a serious issue regarding inaccurate information on my credit report. If corrective actions are not taken within 10 days, I will file a complaint with the FTC against your company XXXX XXXX.
Consumer complaint received 2015-05-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: SIERRA PACIFIC MORTGAGE (CA)

I entered into a thirty day escrow to purchase a home on XXXX XXXX XXXX. I had been in contact with Sierra Pacific Mortgage prior to the offer and they indicated a willingness to serve as my mortgage broker. Upon opening of escrow Sierra Pacific Mortgage proceeded to start a loan application process. I received a mortgage report on XXXX XXXX XXXX and a request for documents required to process the loan from the Sierra Pacific Mortgage office at XXXX XXXX XXXX XXXX, # XXXX, XXXX, CA XXXX. Close of escrow was identified as XXXX XX/XX/XXXX XXXX. All documents requested by Sierra Pacific Mortgage were provided to them by XXXX XXXX. The documents included copies of my joint XXXX and XXXX tax returns. I had not yet filed our XXXX return. Sierra Pacific Mortgage also requested a form XXXX be completed and signed by myself and my wife. This was done and provided to Sierra Pacific Mortgage on XXXX XXXX. A Uniform Residential Loan Application was completed and submitted to Sierra Pacific Mortgage on that same date. Sierra Pacific Mortgage made a request for some detailed information on XXXX XXXX which was promptly provided. On XXXX XXXX we received an email from Sierra Pacific Mortgage saying ; " Great news, we have loan approval and you can release the loan and appraisal contingencies. '' We did release the loan contingency on this advice and that of our realtor. In fact, the loan was not approved and ready by the agreed to closing date of XXXX XXXX. We were forced to submit a Closing Date Extension request to the sellers which they accepted with no penalty to us. A new closing date of XXXX XX/XX/XXXX was requested in the extension. Additional loan-related information was requested by Sierra Pacific Mortgage on XXXX XX/XX/XXXX and promptly provided to them. On XXXX XX/XX/XXXX I asked Sierra Pacific Mortgage, " Did we provide everything you needed for the last set on contingencies? '' The reply was, " Yes, I believe so. I sent everything to the underwriter this morning. These conditions get reviewed and signed off, we will be able to get docs early next week. '' The XXXX of XXXX XXXX was a Saturday, upon hearing this clearly closure on the XXXX was not going to be possible. Our realtor sought another Closing Date Extension from the sellers. The sellers accepted but this time sought compensation ; " Sellers credit to buyers of closing costs per Addendum No. XXXX dated XXXX XXXX, XXXX shall be reduced from XXXX to {$1000.00}. '' We accepted rather than risk losing our entire deposit but lost {$1000.00} by doing so. We received word on XXXX XX/XX/XXXX from Sierra Pacific Mortgage ; " We have funding the loan and will let you know once XXXX XXXX XXXX has received the wire and property is recorded with the county. " We feel Sierra Pacific Mortgage lead us to believe they could provide a loan within the original XXXX escrow time period, and continued to do so at Loan contingency release, and also during the XXXX extension to XXXX XX/XX/XXXX.
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I was approved for a PPP loan through the SBA that was sent to my Capital One 360 Checking account on approx XX/XX/2021 and Capital One immediately froze the funds saying I wasn't eligible for a business loan and made me submit documents as proof. I submitted everything they asked for and now they will not respond to me or release the loan funds. I have been calling once a week for the past 6 months and they send me to a specific dept that and all I get is a voicemail, but nobody has EVER called me back. The loan is active through the SBA, and I only have 30 days left to apply for forgiveness, but how can I apply if I haven't used the funds??? This loan is on my credit and is public record and Capital One is taking advantage of me and soon I'll have to start paying back a loan that I NEVER got. I will start filing complaints with the SBA, the attorney general, XXXX, Federal Trade Commission and WHOEVER else I need to because what they are doing is ILLEGAL. They need to release the funds or send it back to the lender and get it off my credit.
Consumer complaint received 2023-11-09
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: EQUIFAX, INC. (KY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (AZ)

XXXX XXXX XXXX sold my loan to Planet Home Loan. I set everything up online to pay by XX/XX/2021 for my payment date. The withdrawal was supposed to take place XXXX. It has not initiated from my account and it's now the afternoon of the XXXX. I have called at least 5 times to Planet Home Loans. The phone line system is TERRIBLE. I can't get through to anyone, can't get a call back, and just get hung up on after waiting on hold over 10 minutes repeatedly. I can see that my payment is 'pending ', but nothing has happened yet. I do NOT want to risk a late payment, but I can't reach anyone. This is terrible customer service.
Consumer complaint received 2024-02-08
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/XXXX, XXXX XXXX, Chase Bank, and XXXX XXXX pulled a hard inquiry on my credit report. I believe it was for a new credit card. I immediately called each bank and stopped the inquiry and reported it as fraud. 2 days later, XXXX called me and said someone tried opening an account under my name. I immediately said it wasnt me and told them to stop it.
Consumer complaint received 2023-11-09
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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
Consumer complaint received 2018-01-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Siwell Inc (TX)

Since XXXX XXXX 2017 my family and I have been trying to obtain a pay-off statement from XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, TX XXXX. After months and months of contact between myself and XXXX XXXX we have n't had any success in moving forward in this process, and in the interim it has cost my family time and money. XXXX XXXX has also made contact with XXXX XXXX on our behalf and they have n't received any results either. We have reached out to various chains of command form the Operations Manager XXXX XXXX to the CEO XXXX XXXX XXXX. My plans are to refinance with XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX, TX XXXX, and XXXX XXXX has n't cooperated with them as of yet.
Consumer complaint received 2023-11-03
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. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXX - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NY)

I rarely complain but the ignorance of the KeyBank XXXX XXXX is beyond my comprehension. The restriction on my account- due to some fraudulent transactions - wasnt supposed to leave me without access to my money. Cant use my debit card. Cant use XXXX. I can not buy food. The KeyBank representative, who answered the phone after dozens of attempts, before hanging up on me, said the only way to lift the restriction is to wait for the investigation to be completed. I tried to explain to him that the KeyBank XXXX Department said they not true, that all you need is to call them, it can not be the only option to wait, I said it must be another option available for me to access my money faster.he hanged up on me. The KeyBank XXXX Department representatives, I talked to at least XXXX of them, say that it can be done in XXXX minutes. They added its completely unheard of that the branch is refusing to help. On the top of that, I use my phone for my work, as a XXXX XXXX. I have to put my phone in the Airplane mode in order to work. Today is the second day that I am using my phone calling for their assistance, instead of working. The situation Im in is very difficult. I can not access my money in my KeyBank checking account, and I am losing money for not working.
Consumer complaint received 2024-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo did not calculate the appropriate amount of tax and insurance, and as a result, my escrow balance was - {$1100.00} ( negative ). They have since sold the loan to XXXX XXXX who immediately identified the problem and have increased my monthly payment over 33 %!! This has caused financial and mental hardship for me and my family.
Consumer complaint received 2024-02-08
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)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2021-01-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

PORTFOLIO RECOVERY - Calling my cell multiple times every day. I have been at work each time, I can not turn my cell phone off as I use this phone for work. 
I have repeatedly told them to stop calling. They sent letters threatening law suits to me AND continued to call. I changed my phone number and now they have it again and have started to harass me once more.
Consumer complaint received 2024-02-08
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. (IL)

Inquiries-Per 15 US Code 1681b-Permissible purposes of consumer reports Per 15 U. S Code 1681b-Permissible purposes of consumer reports. It is illegal to report transaction history Under 1681a Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting transaction history is illegal. 15 USC 1681b states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with written instructions of the consumer to whom it relates, I have never given discover my written consent or authorization to add my transaction history/information or which is a violation of the fair credit reporting act. This law is backed up by P.L 90-321 ( 82 STAT. 146 ) which states that any agency can only get my report in response to a request by the head of a state or local child support enforcement agency or local government official authorized by head of such agency.
Consumer complaint received 2021-11-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of AmericaClaim ID : XXXX Claim amount : {$XXXX} Bank of AmericaClaim ID : XXXX Claim amount : {$200.00} Bank of AmericaClaim ID : XXXX Claim amount : {$52.00} Bank of AmericaClaim ID : XXXX Claim amount : {$200.00} I purchased online XX/XX/2021 to purchase costume for {$200.00} and {$52.00}. {$1.00} and {$6.00} are international fees. Purchase costume is used for street parade art performances on XX/XX/XXXX and XX/XX/XXXX. The purchasing agent promises to arrive in the United States within XXXX days. The package has been delivered but arrived are not on time and not needed anymore. So I requesting for refund. 
I contacted purchasing agent directly to get shipping confirmation after ordering on XX/XX/2021. But purchasing agent did not give response. Until XX/XX/2021 The purchasing agent told the buyer the required shipping fee, so I then remit {$300.00} immediately, which is not enough, then increase the remittance {$200.00}. {$6.00} and {$9.00} are international fees. Total items and fees is now {$780.00}. 
The buyer contacted the purchasing agent on XX/XX/2021 for shipping details. I requested a refund if not shipped yet on XX/XX/2021 at XXXX AM. Contacted conversations included in separate page. 
On XX/XX/2021 XXXX AM the " XXXX '' of agent purchasing said : " already shipping, tracking number : XXXX ''. In fact, the package is not shipped at this time. According to the agent purchasing tracking system, it shows : " Document Clerk : XXXX XXXX, the printer Clerk, is delivering the package for you. '' it is XX/XX/2021 at XXXX AM. Until XX/XX/2021 at XXXX PM, the agent purchasing tracking system showed " Your package has been shipped from Panli and it be expected to arrive within XXXX working days I called the customer service of Bank of America as early as XX/XX/2021 in the morning, requesting the bank to investigate the transaction that the buyer requested to cancel due to the deliberate delay of purchasing agent, and return the mandatory transaction payment. The package has been delivered to the buyer 's address on the afternoon of XX/XX/2021. The package has not been opened because the scheduled holiday performance time has been missed. I am waiting the purchasing agent to provide a return label and address of their warehouse to return the package. 
The decision not to refund is unfair to the buyer, so the next step is to take legal action.
Consumer complaint received 2024-02-02
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. (AR)

i reviewed my consumer reports and noticed and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included a screenshot inside this complaint in on dates of XX/XX/24. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :