davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-26
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: REGIONS FINANCIAL CORPORATION (GA)

My account with Regions Bank XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX is reporting wrong for the status on my credit report status shows repossession this recent have appear and Ive contact this company a lot of times and they said that they will update the information to the credit bureau and its has n't been update. The last person I spoke with stated they will correct the information I do n't have this vehicle and in the past the account showed charge off as the status not its showing repossession, they went and updated the payment history but at XXXX the payment show good payments but I do n't have the vehicle so they updated but my status shows repossession and it should n't this has cause my credit score to drop to XXXX from XXXX. XXXX XXXX the car was repo on XXXX XXXX the vehicle report charge on my account. Regions recently reported R again as in XXXX XXXX in XXXX XXXX I have proof of the incorrect information and the correct information. They are rude and no one wants to help nor understand my concern, If they are aware of a credit report they would understand but someone in the credit department do n't, they put special codes on my account so that any dispute I do would be deny. I will be contacting the XXXX with my concern. The account is close and its shows open on all XXXX of my credit reports. AWFUL
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just recently reviewed a copy of my credit report. I very Shocked to learn that Ive been a victim of identity theft. I found numerous accounts and inquiries on my credit report that were not open by me. This has been unjustly harming me as I am in the process of getting a home for my family. Please remove the fraudulent accounts and inquiries from my credit report as soon as possible. In accordance with the FCRA, specically sections 611 ( 15 U.S.C. 1681i ) regarding the correction of errors and sections 623 ( 15 U.S.C. 1681s-2 ) concerning this I demand immediate action to expedite this investigation and removal of the inaccurate collection account from my credit report. Given the substantial impact of this issue on my nancial standing, I stress the need for a resolution within 24 to 48 hours. The urgency can not be overstated, as it affects my mental and nancial health. 

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 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

AmeriSave Mortgage promised a 2.5 % 30-year fixed mortgage rate on a {$760000.00} loan with a closing fee of {$2700.00}. Their process went on for almost 5 months ( XXXX ) during which my closing fees increased first to {$5600.00} and then to {$9900.00} with no explanation other than, on the first hike, that they had made a mistake and did not factor a Home Equity Line of Credit ( HELOC ) subordination. This HELOC was clearly disclosed at the beginning of the loan process. I even pre-paid a {$300.00} fee on XX/XX/XXXX. I was promised this inflationary error would be corrected over and over again ; see first confirming XX/XX/XXXX email to XXXX XXXX. I was asked for additional documentation, over and over again with the same documents being requested two, sometimes three times. Each document request was promptly provided within a day. All the while the months were ticking off and I was losing $ XX/XX/mo in mortgage payment savings. At the end, they decided that a temporary drop of 10 % in business income justified their declining my loan, after 5 months of supplying them document after document, countless emails, phone calls ( many of which were never returned ). There are few businesses, if any, that enjoy a constant income stream ; business income routinely fluctuates sometimes much more than 10 % month to month. My credit score is XXXX. I have over {$4.00} XXXX in investments and {$500000.00} in liquid assets and close to {$2.00} XXXX equity in my home. So, arbitrarily deciding that a temporary 10 % drop in business income is grounds for my loan denial would appear disingenuous at best, fraudulent at worst. It is my opinion that they did not want to honor their original {$2700.00} closing commitment. AmeriSave has a history of bait-and-switch activity paying a {$19.00} XXXX fine in XXXX for just this type of activity. Nothing appears to have changed and, personally, I would avoid this company at all costs.
Consumer complaint received 2024-02-19
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: EQUIFAX, INC. (MN)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-02-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! XX/XX/XXXX TransUnion and XX/XX/XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have a issue with unrecognized addresses appearing. I also have a few name variations on my file that are not correct. my full and correct name is XXXX XXXX XXXX XXXX please remove any other variations of my name. The following addresses are not mine please delete : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX There is a error account from FCRA 609, 611, 623, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX. 
Chapter XXXX bankruptcy discharged.
Consumer complaint received 2016-07-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

They cashed a check and did not inform me of the possibilty of a hold. 
Two days later there is hold on the check. They send me an email two days later. 
In the age of instant communications and digital electronic check clearing that takes microseconds, they send an email two days later. 
That causes a negative balance and overdraft fees.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Hello, This has already been removed from my credit report due to fraud but the previous collection company sold this to another debt collection company and the new collection company put it back on. 

Please remove this immediately! This was already removed for fraud. Attaching all documents. 

Even the name is wrong of adding XXXX. I have only ever gone by my first and last name. 

I feel this came from the data breach which allowed someone to use my information. 

I keep my credit report locked.
Consumer complaint received 2021-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northwood Asset Management Group (MO)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Additionally, previous dates in XXXX which are being reviewed. 
'Mrs XXXX XXXX, as she likes to identify herself, using masked phone numbers to disguise her company has repeatedly contacted me, refused to disclose her real company, refused to disclose the source of the alleged debt she's calling about and demanded payment for an alleged debt. She has also left numerous voicemails stating the same claiming that my 'time is running out ' and that she will also speak to 'third parties ' in order pressure me into giving her money. Upon investigation it was discovered that Mrs XXXX works or may work for Northwood Asset Management in New York.
Consumer complaint received 2020-12-08
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. (NJ)

I review a current copy of my credit report an show inaccurate information listed on my credit report. I place a dispute with creditor and have not received any dispute results. This creditor is listing a charge off on my credit report with inaccurate open dates, Showing balances on a charge off account per the law any charge off on credit reports once show a balance of {$0.00}. 

Creditor : XX/XX/XXXX ( Original Creditor : XXXX  XX/XX/XXXX ) Account number : XXXX Account open dates listing on report : XX/XX/2016 and XX/XX/2016 Account open Balance reporting on credit report {$760.00} which is inaccurate credit reporting.
Consumer complaint received 2021-11-29
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. (CA)

Background : I applied a chase credit card on XX/XX/XXXX and i was approved for it with XXXX credit line. Had a large purchased on middle of XXXX for my husband for his birthday gift, no other action on my new credit card. 

I had total XXXX credit cards after approval with chase and i've been banking with chase since XXXX, I also have checking account with chase ( with enough money to cover my credit line ). Never had any miss payment or any kind of violation since XXXX, but they closed all of my account on XX/XX/XXXX with no reason. Called them ask reason and if its possible to restored and told answer is NO. i'm very very upset because i do love using their credit cards product, in the meantime why they would treat a loyal good customer like this, why they would approved my new credit card and closed everything after only a month.
Consumer complaint received 2016-05-12
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (FL)

I submitted a loan modification package # XXXX for which I received a forbearance agreement in writing from Ocwen on XXXX/XXXX/XXXX - exhibits attached Ocwen cashed my first check on XXXX/XXXX/XXXX for {$240.00} and according to their letter they stated that " if we do not receive your payment on XXXX/XXXX/XXXX this offer will be considered revoked, what becomes of the written agreement since Ocwen returned all my other checks and stated that no alternative payment arrangements was agreed to? What becomes of my {$240.00} that was cashed and since it was cashed does this not mean that there was a binding agreement? And since Ocwen returned all my other checks do that mean that Ocwen breached the agreement and I became responsible for the full loan amount?
Consumer complaint received 2024-02-19
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. (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 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 an 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.
Consumer complaint received 2021-11-29
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. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX ''
Consumer complaint received 2021-02-24
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. (SC)

I recently check my credit reports and seen I had over 230 inquiries. There's no way I obtained all these inquiries and some of the dates, addresses, and places of inquiries don't even add up. I've requested to have these removed immediately from the bureaus due to possible fraud and nothing has been done. XXXX  was the only credit bureau to actually look into this. I want these off my credit NOW!!! I know my rights when it comes to fraudulent activity.
Consumer complaint received 2016-05-24
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OH)

6 years ago i am in a loan modification with ocwen loan servicing i have the documents for the first 5 years its 1 percent second 5 years 2 percent, i am in the second year in which i should pay XXXX a month, i understand escrow goes up a little for insurance and taxes but mine went up XXXX dollars for XX/XX/XXXX, XXXX, and XX/XX/XXXX from XXXX to XXXX and now XX/XX/XXXX is XXXX what the heck is going on, you ca n't get a clear answer and they ca n't explain it now they want me to do a new modification so they can get more escrow. second they sent a letter stating i owe over a XXXX dollars in which i do n't, if you take XXXX for 3 months is XXXX and i pay XXXX for 3 months like i should that is XXXX in which is XXXX not over a XXXX dollars i talked to them several times and i get a different answer every time these people are idiots and you ca n't talk to them, i had read several complaints about ocwen loan servicing, my escrow was XXXX times XXXX is XXXX my insurance and taxes is XXXX now they want XXXX a month in which is XXXX why why why, like i said i can understand a little but not XXXX dollars i never seen a mortgage bounce from XXXX to XXXX for 3 months and back down to XXXX,
Consumer complaint received 2017-03-27
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Finance of America Holdings LLC (IN)

Finance of America sent a certified letter of the Estate of my Mother. XXXX XXXX XXXX. I am unable to obtain the letter because it requires a POA which I do not have and can not get because my mother is dead. I need the letter sent to me uncertified so I can respond.
Consumer complaint received 2021-11-03
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

ON XX/XX/XXXX. WAKEFIELD AND ASSOICATS, SENT ME A TEXT MESSAGE REAGRDING MY PAST DUE BILL, I THEN CALLED THEM AND OPTED OUT OF TEXT COMMUNICATIONS. I THEN RECVD ANOTHER TEXT MESSAGE XX/XX/XXXX FROM THE SAME COMPANY. THAT IS A DIRECT VIOLATION OF THE FDCPA ( UNFAIR OR ABUSIVE PRACTICES )
Consumer complaint received 2024-02-19
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. (NM)

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.

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.
Consumer complaint received 2024-02-20
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. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-08
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: CITIBANK, N.A. (SC)

There are unknown hard inquiries on my credit reports per XXXX and XXXX. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, CITIBANK NA., XXXX  on XX/XX/2020, XXXX - XXXX XXXX add a hard inquiry. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2015-06-20
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have not received a statement from capital one in over 2 months. This is not the XXXX time I have had this problem with capital one. They now have reported my account 30 days late to the credit bureaus causing significant damage to my credit because of their lack of customer service and integrity. I have a security clearance for my job and because capital one is inept with providing me statements this is now in jeapordy.