davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE (WY)

Received offer in mail. Called and applied on the phone. The person asked for first XXXX numbers of social sec. number and said I was approved. I asked a question the person could not answer and transferred me. This person then asked for the last XXXX digits of social, which I did not give. They could not answer my question and hung up on me. I called them back and told them I would report them. It was Barclaycard Mastercard, XXXX, XXXX
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-12-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: HW Holding, Inc (FL)

I personally called the agency and we came to terms on a payment arrangement. I had explicitly asked them to only contact me concerning the matter after I heard they had contacted multuple parties that have nothing to do with the situation. They continue to contact other individuals that do not directly relate to the debt after we had come to this agreement to include my wifes employer, my employer, other individuals associated with my last employer and individuals i served with XXXX to 5 years ago.
Consumer complaint received 2022-12-03
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: WELLS FARGO & COMPANY (CT)

In accordance with the fair credit Reporting Act, WELLS FARGO DEALER SVC Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 : States that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer cant furnish my account without written consent. 

15 USC 1666B : A creditor may not a payment on a credit card account XXXX an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-10-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

AFTER CAREFULLY REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...  DATES ARE XX/XX/20 XX/XX/20 XX/XX/20
Consumer complaint received 2018-09-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I purchased my home in XXXX with a toxic loan and soon my payment was too high to afford my home. I was about to lose my home and I was offered a modification in XXXX. This modification helped me avoid foreclosure, however the modification I was given is a 10 year interest only program and the rate has increased over time. My mortgage loan is scheduled to adjust again in XXXX and my payment will include Principle and interest and it will be increase to the point where I will not be able to afford my home. I have desperately tried to refinance my home but have been unable to due to to my credit score and income not being sufficient to qualify. I have sent my mortgage service company a request to modify loan and have been denied I have appealed to this decision and they have not taken the time to consider my appeal. I have paid a lot of money over the past 8 years in interest only payments and would not like to lose my home.
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act the following accounts have violated my rights by posting my personal matters in public for everyone to observe XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Dept of Revenue XXXX15 USC 1681 section 602 States I have the right to privacy * 15 USC 1681 section 604 A section 2 it states that a consumer reporting agency can not furnish a account without my written consent instructions which I have not done so *15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose These companies along with Credit Bureau have knowingly violated my rights and I will be force to take legal action if this continues
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (AZ)

I applied for and was approved for a Home Depot credit card for {$500.00}. I had used this account in store and used my social security number and drivers license for {$100.00}. After XXXX weeks I received a text message saying my card was returned and I had to call. I have called multiple times and even made a payment as I dont want to ruin my credit. Every time I call I get the same message saying we will call and verify you or send you a letter. Never once have I received a call or letter even after verifying my correct address. At this point I do not no a payment date or amount to payoff and close this account. This is through Citi bank
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I requested my annual credit report and i was sent a letter stating i had to provide proof of identity such as a utility bill. I sent a copy of a current electric/utility bill from XXXX and then i got a letter stating again stating that i needed to provide proof of identity with the same forms of identification listed on the form such as an eletric bill. I also have a security freeze since my identity has been stolen in the past and when i go to transunions website, it allows me to sign in but starts flashing and flicker. i know its not the computer or the internet because i was able to temp life the freeze from other credit reporting agencies. transunion has blocked me from my own info and even when i provide verification of who i am and my current address, they still will not provide me my credit report. their online credit report request asks me questions to try and verify me that has nothing to do with me and does not pertain to me so it denies me the ability to get into my credit report online because the questions that they are asking do not pertain to me. Im not sure why they changed my information but i would like them to stop blocking me and correct the wrong information they set up to keep me out of my own credit file. I can get to my credit report from XXXX but not from XXXX or transunion and transunion will not let me temp remove the freeze even though i have my password and pin number to do so.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

On XXXX XXXX XXXX  I contacted Equifax about the following negative accounts XXXX  ( Date Opened : XXXX XXXX XXXX Balance : {$550.00} ), Not Mine Account Number XXXX, Date Opened XXXX XXXX XXXX, Balance {$120.00} ), Account Number XXXX, Date Opened XXXX XXXX XXXX, Balance {$140.00} ), Account Number XXXX, Date Opened XXXX XXXX XXXX, Balance {$140.00} ), Account Number XXXX, Date Opened XXXX XXXX XXXX, Balance {$140.00} ), Account Number XXXX, Date Opened XXXX XXXX XXXX Balance {$140.00} ), XXXX XXXX ( AccountNumber XXXX, Open Date XX/XX/XXXX, Highest Balance : {$720.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

Company is reporting negative results on my credit report of late 60 days late. I talked with the company and stated I never received the credit card. The company agreed to cancel the card and remove any negative reporting. I have an alert that XXXX  XXXX  credit card have reported 60 days late on my account.
Consumer complaint received 2017-03-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC (IN)

GC Services first called me on XXXX XXXX, 2017. During that call they noted that they were calling in regards to someone who resides in a state that I have never lived in. I told them the address was not correct, and at that point they asked for the last 4-digits of of my social security number. I refused to give such a personal number, as their address information was incorrect. At that point I requested that they not contact me again, and was told that they would not call again. 

On XXXX XXXX, 2017 they called again, and gave the incorrect address. I told them the address was incorrect, and again refused to give my social security number. Both calls were made by an unknown number, but using the name GC Services I found a number to call using google. I reached out to GC Services and requested that they not call again. The person I spoke with noted that I would need to request this in writing, which I am fairly certain is not correct. Since I have requested this on two separate occasions I am hoping to not be called again. However, in case the calls continue I wanted to document the second call utilizing this CFPB complaint portal.
Consumer complaint received 2022-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I am writing to file a formal complaint over the changing of the terms of my loan following Mr. Cooper purchasing the loan in XX/XX/2022. My loan was serviced by XXXX XXXX almost 2 years until XX/XX/2022. In XXXX of 2022 XXXX XXXX removed PMI from my loan. When I received the escrow analysis completed by XXXX XXXX in XX/XX/2022, I called to inquire, and they stated to me that PMI was being removed due to the loan/value ratio and the substantial appreciation during the pandemic. 

When Mr. Cooper purchased my loan, I called in XX/XX/2022 and spoke to a Mr. Cooper representative and was informed verbally that there would be no PMI on the loan. It has recently been verified for me by a Mr. Cooper representative that there are internal notes documenting that conversation. I recently learned that Mr. Cooper staff later changed their minds and decided to add PMI back to my loan in XX/XX/2022. I have been charged 12 payments of PMI since XX/XX/2022 out of my escrow account. 

This changing of the terms of my loan after it was purchased is unacceptable!
Consumer complaint received 2023-07-02
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. (NY)

I have told XXXX, XXXX and Equifax that I was a victim of identity theft. someone was even filing taxes under my name. I have a report number of identity theft with the irs, also have a report of identity theft on the federal trade commission on identitytheft.gov and that report number is XXXX they are reporting all these accounts as verified 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 2020-10-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber (FL)

There were two accounts with XXXX XXXX XXXX XXXX - first account # XXXX, second account # XXXX. Settled in Full with Grant & Weber on XX/XX/2020 account representative is XXXX XXXX. I did receive letters settled in full for both accounts. 

I spoke with three different people at XXXX XXXX XXXX XXXX on XX/XX/2020. One advised they no longer own this debt they sold it to Grant & Weber. I called back to ask for a letter stating that and was informed they do not have a letter to indicate that and was transferred to member services. I was then advised there was no update that payment has been fulfilled.

I called three times to Grant & Weber to find out when will it be  reported back to XXXX XXXX XXXX XXXX as it has been over a month.
Consumer complaint received 2017-03-08
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I ordered a prepaid Capital One credit card to help with my credit report. Back in XX/XX/XXXX I was the victim of identity theft and reported this issues to Capital One while trying to make payment on my credit card. XXXX XXXX gave me a due date to pay by XX/XX/XXXX or the credit care would be permanently closed. I called on XX/XX/XXXX only to find out the Capital One closed the account and asking me to pay a balance of {$460.00} of money that was never grants to me. I use the money that I put on the credit card and pay it back in a timely manner to help my credit. Capital One is now reporting this on my credit report as late and sent to collections.
Consumer complaint received 2023-06-28
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: WELLS FARGO & COMPANY (TX)

In accordance with the fair credit Reporting act Wells Fargo Account XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose. XXXX.
Consumer complaint received 2023-04-28
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. (FL)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIOT REPORT.Accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ; Inquiries XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (PA)

I have filed numerous disputes with all XXXX credit bureaus about information on my report, either too old, closed/pay as agreed, or insurance company paid bill. They have refused to investigate or remove the items from my reports. 

In XXXX, for example, I had a work related injury. I had to file a worker 's compensation suit against my employer 's insurance company. After the judge awarded me both financial and medical compensation, my attorney advised all medical bills be paid by their insurance company. There are at least XXXX items still showing on my reports that were never taken off from that injury and the judge 's decision. 

I have contacted XXXX, Experian, and XXXX about these reports and not one of them had even investigated these. They are refusing to delete any reports and refusing to investigate said disputes. I filed the disputes not long after the judge 's decision in XXXX, but they are still there showing unpaid/collections with the remark " consumer disputes ''
Consumer complaint received 2022-12-06
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. (SC)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (LA)

I opened a Citibank savings account last month. I needed access to the funds due to a broken air conditioner during a heat wave. I have been prevented from accessing the funds due to a fraud alert. I have spent over XXXX hours on the phone with Citi over the past 10 days trying to get this resolved or simply close my account in order to access the funds, but have not gotten resolution.
Consumer complaint received 2016-12-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have written 4 times along with police report and proof of ID Drivers License and State ID and My passport proving I was out of the country for 3 yrs. I have a few Incorrect address on my reports. and all was due to Fraud. also they credit reporting agency has refused to remove. they also has refused to remove over XXXX inquires in one year! in the same month. It 's fraud. I also wrote the companies who made the inquire and they have refused to respond. even with the police report. 

The addresses is XXXX Il XXXX And XXXX Il XXXX Its even more on my other Reports. 
And the inquires as follow 1. XXXX 2.XXXX 3.XXXX 4.XXXX 5.XXXX 6.XXXX 7.XXXX 8.XXXX 9.XXXX 10.XXXX 11.XXXX 12.XXXX 13. XXXX 14.XXXX 15. XXXX 16.XXXX 17.XXXX These Inquires was made all in one month, I contacted each company and credit burials also gave them copies of all my ID 's and they still refused to help Transunion, XXXX and XXXX. all let me down.
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (OR)

I opened a XXXX XXXX XXXX  ( Barclays ). Because I was offered balance transfers for a small fee, I transferred about XXXX as the card advertised one year no interest, giving me a year to pay this off, which I had done with another card. I opened the card in XXXX, transferred the balances in XXXX, and they promptly asked me for my tax returns ( to verify my income ). I have had a card issuer ask me for this to justify a limit of {$10000.00} on another card, so I didn't think this unusual. So, I sent the requested documents, and in XXXX they froze and closed my account, the only reason given was that my tax returns were not adequate proof of my identity? They did not ask for any other proof than the tax returns to verify my income. When they closed my account they ended my XXXX year 0 % interest, so I am having issues reducing the balance due to the outrageous increase in interest rate! Another huge issue is that I had opted for 'paperless " statements, but I have never once received a statement paperless or otherwise, so I have no documentation, as there is no possibility of printing a statement from their website. I have to log onto the website to even know what the payment due is, and look at transactions to see the interest. I didn't receive an 'adverse action ' notification of any of the changes, or an explanation, of why my goverment tax return was not sufficient proof of my identity?? Or of a termination of my 0 % interest balance.
Consumer complaint received 2018-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

Around XX/XX/2018 I received a new chase card and made two purchases on it. Shortly after Chase randomly shut down my account. I asked for more information on what was going on and they wouldn't give me an answer. I am very disappointed with their customer service and lack of help with my accounts.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My current complaint is compounded : complaints # XXXX and # XXXX ; as Trans Union responded XXXX by sending ME a " corrected '' credit report and credit score of XXXX ( reflecting the near-accurate credit utilization adjustment to 10 % ), they have not officially updated the score as XXXX XXXX reports a much lower score as of XXXX. So, there are XXXX different Advantage scores? Who 's kidding who ( supportive docs attached )? 

This is what I was talking about when I said if these credit reporting agencies were hit with {$1000.00}. fines every time they even tried to skirt around compliance, they would quickly adjust their behavior. They are simply INVENTING variations of the same product to sell ( or give ) to anyone who 's willing to go along with the concepts!