davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (CA)

( Important ) InComm Internal Case ID : XXXX I purchased this card with a total balance of XXXX United States Dollars. There were several transactions taking place wiping out the entire balance. I reported these unauthorised transactions to the card issuer on XX/XX/2022 by phone, and the issuer gave me a case ID of XXXX, yet did not further investigate my report. On XX/XX/2022, I contacted the card issuer under the impression that they were investigating the matter, the card issuer told me that they had wrong personal information about me ( first name, last name ), and that the case was automatically closed because of the artificial error they had. The customer representative was personally unwilling to go through all the unauthorised transaction on file, and they declined to provide me a copy of the dispute files.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

I have recently been denied housing due to alleged eviction. The eviction is listed from residence of XXXX XXXX. Address XXXX XXXX XXXX XXXX, TX XXXX. I have no knowledge of this address, let alone an alleged eviction. This is my second attempt to resolve this issue. 
I have also taken things into my own hands and retrieved confirmation from the apartment contract that the Social Security number does not match mine. I want this and any other alleged eviction attached to the incorrect social Security number be removed from my consumer reports immediately!! 
This has caused extreme hardship, denial of a home, and mental anguish.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: PNC Bank N.A. (LA)

On XX/XX/2022, due to someone hacking my SS account my XXXX benefits were deposited into a prepaid card account with PNC Bank. After numerous phone calls by SSA and myself bank refuses to help. Bank should have never accepted funds and should return them to SSA so that they can be reissued.
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (TX)

XXXX accordance with the Fair Credit Reporting act XXXX  Act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: General Motors Financial Company, Inc. (CA)

This company is violating the securities exchange per their own prospectus filing. They are committing securities fraud, IRS tax evasion, and their fiduciary duty to me as an investor. They are ignoring my request for all accounting public, and private according to GAAP. I have sent them a certified mail return receipt letter asking them to validate the debt. They ignored it! I have let them know in writing that they this contract is in dispute until they comply with my requests. I have purchased a forensic audit XXXX report which will be used in equity and law court in Delaware. I have removed their POA through the IRS, as well as sent them a notarized letter with two witnesses revoking POA. They are running a Ponzi Scheme. They can not report late payments as this account is in dispute since it's inception. THE EXAMINER RECOMMENDS, immediate production of document and review of ALL purchase documents and then notarized Agreement endorsements among ALL relevant parties.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (NM)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Bank Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-09
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Brightfunders, LLC (CA)

I am looking for some assistance in removing the late charges reported to the credit bureau while I had my property on the XXXX forbearance. When I started the forbearance program with XXXX I was assured verbally and in writing that the months taken would be added to the end of the loan. I was contacted by phone two separate times to extend the program and signed paperwork to the affect.

During this 12 month time I was out of work with XXXX  and then I was on XXXX XXXXXXXX for XXXX XXXX XXXX from XXXX for XXXX XXXX. Aside from signing the extension paperwork I didnt receive notice of my loan going into default and the property going into foreclosure until I got the certified letter from the law firm of XXXX XXXX XXXX XXXX XXXX XX/XX/2023 informing me that my house was going to go up for auction soon. The day I received this letter I reached out to them to find out what was going on because everything I had gotten from XXXX  stated that the missed payments were to be added to the end of the loan. 
Within 24 days of this letter I procured the needed amount of {$19000.00} to bring the loan back to current and have continued to keep the payments on time.
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (WA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2022-06-17
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. (NV)

The Credit bureaus stated my account was properly investigation but how is that possible if the, DATE OPENED IS WRONG,, BALANCE IS WRONG, HIGH CREDIT IS WRONG, LAST REPORTED DATE IS WRONG, DATE LAST ACTIVE IS WRONG AND THE DATE OF LAST PAYMENT IS WRONG! 

This grounds for removal they also violated my rights under 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. 1681e Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates.

15 U.S.C. 1681n Section 616 ( a ) Civil liability for willful noncompliance In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Hello- I have a credit card for which I am a co-applicant and financially responsible for the account. Capital One, despite multiple attempts for me to setup access to this account online has refused to allow me to do so. They indicated that only my husband, who is also a co-applicant can access the account online. So in order for me to manage and access the account for which I am responsible, they are suggesting I need to log into another persons bank account through Capital One vs. giving me direct access online to the account for which I am financially responsible. When I asked to cancel my card, they indicated I was not authorized to do so, only my husband was authorized to close the account. So they are denying me access to manage the card or to close the account, despite being financially responsible for any charges made to the credit card.
Consumer complaint received 2024-02-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

After our XXXX normal mortgage payment, we received our XXXX Statement. It was {$250.00} more a month. We called and asked why. They stated our an escrow shortage and stated we would have to pay {$250.00} more a month to cover it. We asked why were we not notified of this change and asked for proof explaining the shortage. Nothing. We call once a week asking for this proof to be mailed or emailed. Nothing. We have since come to find out we are not the only Carrington Mortgage customers that this is happening to.
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (SC)

i disputed inaccurate items on my report and it has been well ove 30 days with no acknowledgement or results this now means these items are inaccurate and unverifiable and need to be deleed right away
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

i disputed inaccurate items on my report and it has been well ove 30 days with no acknowledgement or results this now means these items are inaccurate and unverifiable and need to be deleed right away
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 
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 permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2022-06-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Western Management Consultants (CA)

So I got a phone call this morning XX/XX/2022 it was a western Management consultant telling me that I owed money to XXXX XXXX XXXX XXXX and I gave them my bank info later I called XXXX XXXX XXXX they said I didnt owe them any money so I called my bank and stoped payment on it and was told to file a complaint they said if I pay {$120.00} that they would stop the collection process
Consumer complaint received 2021-03-28
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. (WI)

To whom it May concern : After recently reviewing my credit report I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX -- -- XXXX ) in the ( BALNCE ) & ( PAYMENT STATUS ) section. XXXX  is reporting a balance of {$22000.00} with a current payment status, Experian is reporting a balance of {$22000.00} with a current payment status and XXXX  is reporting a balance of {$22.00}, XXXX with a current payment status now all three of these balances cant be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different. The balances listed on all 3 reporting agencies is the current balance on my account either. My current balance is {$21.00}, XXXX. It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE the erroneous item immediately Thank you, XXXX XXXX
Consumer complaint received 2022-06-17
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. (MS)

I've been going back and forward with the credit bureaus for over 6 months and have yet to see the results that I am demanding dealing with these unverifiable accounts that are reporting to my credit profile. My most recent letter was sent on XX/XX/2022 to each bureau and I have yet to hear back from them 45 days later. I asked them to verify these inaccurate accounts that are reporting to my profile and they have yet to provide the verification that I have requested several times. My next step is to take this matter to court. Please assist me with this issue due to these accounts being a direct violation of the fair credit reporting act.
Consumer complaint received 2021-11-04
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: Experian Information Solutions Inc. (DC)

ON XX/XX/21 AT APPROXIMATELY XXXX, MY GOOD CREDIT SCORE DECREASED BY 4 POINTS. MY CREDIT REPORT IS FROZEN AND NO ALERT AS TO WHERE OR WHY THIS OCCURRED. I CONTACTED MEMBER SERVICES AT CREDIT COMPANY EXPERIAN, ONLY TO BE TOLD THEY HAD NO CLUE AS TO HOW OR WHY THIS HAPPENED. EXPERIAN ASSURED ME THAT MY ACCOUNT WAS FROZEN AND THERE HAD BEEN NO INQUIRIES ON MY REPORT. I WAS INSTRUCTED TO CALL FICO SCORE DEPARTMENT, WHOM STATED TO GET ANSWERS FROM EXPERIAN. 
I CONTACTED EXPERIAN FOR ANSWERS, ONLY TO BE TOLD MY CREDIT WAS IN GOOD STANDING AND WOULD PLACE A LOCK ON MY REPORT GOING FORWARD. HOWEVER, MY 4 POINT DECREASE HAS NOT BEEN RESOLVED OR IDENTIFIED. I EXPLAINED TO EXPERIAN I WILL ESCALATE THIS GROSS ERROR.
Consumer complaint received 2020-05-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (OR)

SUMMARY : DELAYS IN PROCESSING MORTGAGE LOAN TO OBTAIN SAFE HOUSING FOR MEDICAL REASONS PURCHASE AGREEMENT MADE ON XX/XX/XXXX CLOSING DATE SET XX/XX/XXXX XX/XX/XXXX US BANK NATIONAL RECOMMENDED TRANSFERRING TO A LOCAL LENDER BECAUSE OF DELAYS IN THEIR PROCESSING RELATED TO COVID 19 AND  STATED THAT THE APPRAISAL HAD YET TO BE ORDERED AFTER GETTING A LOAN ESTIMATE FROM A LOCAL LENDER US BANK CHARGED AN APPLICATION FEE ON XX/XX/XXXX XX/XX/XXXX TALKED WITH A LOCAL US BANK REPRESENTATIVE WHOM SAID THEY CAN TRANSFER THE LOAN LOCALLY SINCE I HAVE BEEN CHARGED ALREADY BY US BANK NATIONAL AND THAT THERE SHOULD BE NO PROBLEM WITH CLOSING BY XX/XX/XXXX EXTENDED THE CLOSING DATE TO XX/XX/XXXX CONTACTED THE LOCAL US BANK REP ON XX/XX/XXXX TO CHECK ON THE STATUS-TOLD THAT THE OWNERS AGENT HAS DROPPED THE BALL ON GETTING THE APPRAISAL OWNERS AGENT INFORMED ME THAT THERE IS CURRENTLY NO APPRAISAL ORDERED AND THAT IT HAS BEEN CANCELLED TWICE TO DATE BY US BANK APPRAISAL ORDERED LATER THAT DAY XXXX-APPRAISAL DATE SET FOR XX/XX/XXXX DUE TO THE HIGH DEMAND AND LIMITED APPRAISER POOL THAT US BANKS APPRAISAL MANAGEMENT COMPANY HAS IN THE AREA ( 1 APPRAISER )  EXTENDED THE CLOSING DATE TO XX/XX/XXXX XX/XX/XXXX I EMAILED THE LOAN TEAM TO CHECK ON THE STATUS OF MY LOAN ( STILL YET TO SEE ), RATE LOCK AND APPRAISAL CONFIRMATION. 
INFORMED THAT THE LOAN DOCS ARE IN THE PORTAL ( STILL NO LINK SENT TO ME ) RATE LOCKED ON XX/XX/XXXX AND APPRAISAL CONFIRMED FOR XX/XX/XXXX ON XX/XX/XXXX I REQUESTED THAT ANY LAWS BE UTILIZED TO TIMELY PROCESS MY LOAN AND ALSO ASKED FOR THE OPTION OF A DESKTOP APPRAISAL PURSUANT TO CURRENT LAWS XX/XX/XXXX I REQUESTED THAT THE APPRAISAL BE DEFERRED USING CURRENT LAW ON XX/XX/XXXX THE REGIONAL MANAGER SET CLEAR EXPECTATIONS OF THE LOAN NOW CLOSING ON XX/XX/XXXX WITH NO REGARD FOR THE APPRAISAL MODIFICATION RULES ENACTED DUE TO COVID 19 XX/XX/XXXX VARIOUS COVID 19 SYMPTOMS OVER THE PAST WEEK WITH SERIOUS SHORTNESS OF BREATH-WENT TO THE XXXX XXXX AND TESTED WITH RESULTS PENDING BUT A HIGH LIKELIHOOD DUE TO MY MEDICAL HISTORY AND LIVING CONDITIONS-CURRENTLY XXXX, UNABLE TO WORK AND QUARANTINED XX/XX/XXXX NO LOAN ESTIMATE PROVIDED TO DATE-NO CONFIRMATION OF THE APPLICABILITY OF THE CURRENT COVID 19 APPRAISAL INTERIM FINAL RULES