davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NY)

My wife and I are looking at buying a home in North Carolina and our real estate broker recommended we be pre-approved. We secured a pre-approval with XXXX, with which we have XXXX year history with and it included running our credit report. We asked for an appointment with a builder in NC called XXXX XXXX. Their salesperson XXXX XXXX required us to use their mortgage company, MTH and emailed a link. She stated in an email that we would be REQUIRED to be approved by their mortgage company before going under contract. My wife and I have over XXXX credit scores and a long history of loans and deposits with XXXX and do not want to be forced to use a builder 's mortgage company. I have an email chain documenting the demand from the builder.
Consumer complaint received 2022-03-07
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Credit Karma (PA)

First of all I received my refund advance from Credit Karma on XX/XX/22. My account was frozen about a month later with no warning or reasoning. I have literally called over 30 times in the last couple weeks trying to resolve my issue which resulted in various failed and automated email responses which were all the same. I sent in my ID AND BANK STATEMENTS like I was asked OVER a month ago and verified my identify one too many times. My tax return was deposited over 10 days days ago my advance was repaid and my negative balance was settled but my funds which I am entitled to are still locked away at this point Im feeling like my money is being stolen. I keep being told everyday my case has been escalated and nothing. The XXXX of the month has passed and my rent is due and Im on the verge of losing my apartment and getting shut off notices from bills and no one there seems to care at all. I need access to my money or a solution to my case. I am over this whole situation and fed up. I have sent over 10 emails spanning almost 2 months this is crazy.
Consumer complaint received 2022-03-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (CA)

I had prequalified with XXXX according to their screening process, provided all financial information of my income, recurring debt and salary history, XXXX payroll documents to see if a could prequalify for a refinance and lock in a rate. 

Even had emails and text messages with the XXXX of XXXX, XXXX XXXX helping me to get my application going. Everything was set and approved to proceed according to all paperwork need and credit report pulled. 
The rates were at XXXX for a XXXX year refinance and was ready to proceed with document signing. By XXXX to late XXXX, the rates changed and get the impression that XXXX had changed its mind internally to find ways to cancel my locked rate and sell me another loan at a higher rate with higher fees on the last day the loan had expired, or so they said it was expired. 

I have email and documents of the paperwork approvals and loan agreements of my claims.
Consumer complaint received 2022-06-05
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. (IL)

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, has violated my rights. 

XXXX XXXX has violated my rights. 

XX/XX/XXXXXXXX XXXX XXXX, has violated my rights. 

XX/XX/XXXXXXXX BANKXX/XX/XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX BANK XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX, has violated my rights. 

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.. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report any of the following items of information : any 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 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Accounts, Inc. (ND)

I paid the amount told for united accounts 3 total payment for delete now two are closed not deleted and one still shows open spoke to a woman XXXX told it was not her problem I need all three deleted as promised and I don't know what to do since XXXX since not her problem a manager. I need this fixed immediately like promised when I spoke about the dispute process I was doing she stated they just send the dispute back as validated it would cost to much money to go and validate every dispute they have its the customers job to figure it out with the original agency ... the original agency told me it was in united accounts now and they had nothing involved since the debt was theirs now I need these deleted from my credit report.
Consumer complaint received 2021-04-16
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: EQUIFAX, INC. (NY)

On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2022-03-07
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. (AZ)

I have multiple accounts showing wrong information like dates of activity, dates accounts were opened are wrong. The last payment dates are incorrect between the bureaus, missing or mismatching verification dates, some say open with one bureau and closed with another when they're both closed and paid. I've disputed these accounts with all XXXX multiple times and my requests to have them removed have been ignored. I have no accounts with XXXX XXXX either, I've never spoken to them. I'd like these accounts removed from my credit reports. The following accounts that have been ignored when requested to be removed for inaccurate information are : XXXX - I've disputed that under the Cares Act that late payments for mortgage were forgiven from XXXX and those corrections have been ignored every time as well. 
XXXX XXXX XXXX # XXXX XXXX XXXXy # XXXX XXXX XXXXy # XXXX XXXX XXXX # XXXX XXXXXXXXo # XXXX
Consumer complaint received 2022-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (VA)

I received a email from chime and they said my card was lock for fraudulent activity at XXXX on XX/XX/XXXX then a hour later I received another email stating my phone number and email was updated so I tried to log in my account and I was lock out so I called chime I had to verify my identity by sending picture of myself holding my drivers license and paper with the date and my signature after that they reset all my information and I was able to log back in my account and thats when I saw that it was XXXX transactions made to a XXXX XXXX one was for XXXX and the other was for XXXX I couldnt dispute it until it cleared and it cleared Saturday morning so thats when I did my dispute and this afternoon they claim they didnt see no foul play and claim I cant get my money back I sent emails and police report
Consumer complaint received 2015-11-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (CA)

XXXX XXXX : Retutned equipment to a XXXX XXXX at the time we moved. Asked if we had any outstanding balance, was told no we actually had a credit which they mailed to me. Now after a year of never hearing anything, email has not changed, I have it show up on a credit report. Called to ask what was going on? They said yes you returned equipment and we mailed you a refund but if you want this to go away you need to just pay it. Which I did so it quits reporting but I am following up with their corporate office for a better answer to their mistake.
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

There was a fraudulent charge on my Barclays jetblue credit cardXXXX from cheap carribbean-on XX/XX/2022. It was on my now closed card XXXX XXXX XXXX XXXX. We tried to resolve with cheap carribbean who has no record of the transaction. 

We have disputed the charge 15 times and have spoken to Barclays about the dispute 5 times. They have not done anything except charge interest and late fees. This is problematic as my credit rating is suffering for a purchase I never made. 

As Barclays refuses to act I have no choice but to complain to you. After over 2 months they appear not to be submitting the dispute as cheap carribbean said they will refund the card if the dispute is received.
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (SC)

While at XXXX XXXX they asked me to make a card without stating that it was a credit card since they only said Macy 's Card. So I followed through and thought it was suspicious when they asked me for my SSN and income etc. I know it is my fault that I inputted the SSN. But when I saw they also asked for income, I said I am uncomfortable to put that in and the cashier/ representative person just put random numbers in for me and said it was no problem. At the last step i I realized that it was a credit card. So for multiple times I said I do not want a Credit Card but the representative just said it is just a Macy 's Card even though I said I don't want a credit card again and again. 
Then she selected the Macy 's Credit Card option for me and approved it. I told her to cancel it and she said okay and it was left at that but i noticed a hard pull on my credit card and a drop of XXXX points.
Consumer complaint received 2022-06-05
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. (MS)

I paid off XXXX XXXX XXXX collection Account number XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I called XXXX XXXX XXXX to have the account removed from my Equifax credit report they gave me the ran around and told me to call Equifax about the issue. I called Equifax I informed the rep that I paid off XXXX XXXX XXXX and I wanted the account removed from my Equifax credit report. The rep said the account will get removed from the credit report. The XXXX XXXX XXXX collection has not been removed from the credit report yet. They have violated my rights as a consumer.

15 U.S. Code 1681- Congressional findings and statement of purpose Section ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Upon starting a dispute for incorrect personal information maybe ( someone else 's name ), an update was made and other names were changed to be mine and upon contacting the credit reporter, I was told that those names are reported by creditors that I've never entered business with. This is extremely concerning as they are now falsely reporting on my consumer report. The addresses of these other name variations were removed but they illegally updated those names to show as my name. I will attach my driver 's license to show proof of my identity and residence, just as I did for the reporting agency " experian ''. I asked specifically for my one true and correct name and address to be displayed and all other variations and inaccuracies to be removed. By law, this is what needs to be done. Changing other names to reflect as mine " because '' they are attached to accounts is illegal and unethical. Please ask them do their job. Correctly and follow the law as I have to follow the law.
Consumer complaint received 2022-08-24
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. (GA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, GA XXXX Collecon : XXXX XXXX XXXX Experian Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX, GA XXXX
Consumer complaint received 2022-10-17
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NV)

I submitted a complaint with CFPB about a collection account that I believe is violating my rights. XXXX XXXX has provided incorrect information to the credit bureaus. The information about the debt is innacurate and is hurting my credit. I would like for them to provide me with proof that this debt is accurate. In order to move forward with this I request an original bill or contract that states that this debt is mine. I believe that this account is not mine and I will look forward to resolving this issue. Also according to the Fair credit reporting act section 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. The following account has violated my consumer rights. 


Account : XXXX XXXX Account number : XXXX open balance : {$710.00} Date XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX : XXXX XXXX ) XXXX
Consumer complaint received 2022-06-05
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. (LA)

I recently pulled my credit report and noticed that I had multiple name spelling and addresses on my account. Several open balances with student loan that Im not sure of the amounts or even if I took that many loans out I need all the accounts reviewed Im working with the dept of education to tell me exactly how many loans I do have. Then i have medical information on my account and i never gave them permission to share my hippa information. 
i will highlight my report and all the inaccurate name spelling and addresses and phone numbers there are several all will be highlighted and circled
Consumer complaint received 2022-06-05
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. (CA)

I have asked my creditors to provide to me the written contract with my signature on it. They have ignored my request thus having me believe they do not have the contract. 
Therefore unless they remove all negative items and collections from my credit report and credit bureaus, I request all creditors be fined {$1000.00} and payable to me immediately by law.
Consumer complaint received 2022-06-05
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)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2022-10-17
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. (MO)

This account was opened due to Identity theft I contacted the bank the bank sold the debt to XXXX XXXX so I contacted XXXX XXXX to get the item removed XXXX XXXX has refused to remove from my credit report and also to produce any documents showing that I owe this debt they can't show that I owe it because I did not open this account
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Equifax and XXXX are reporting fraudulent accounts and inquiries on my credit report.Here are the list of accounts and inquiries : Account : XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XX/XX/2020 Inquiries 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 JXXXX 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 2022-03-07
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
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: Selene Holdings LLC (SC)

I've been in Dispute with Selene Finance since 2021. They've been reporting on my credit for the year as up to date. They even removed themselves off of the credit report in XXXX. I've not heard anything from the company then out the blue they pop back on my credit report stating that I am delinquent and that they were just the servicer for XXXX XXXX XXXX XXXX. Attached you'll find exhibits of Selene Congratulating me on the Pay off of my mortgage along with screenshots of the account removed off my credit. This is very frustrating.
Consumer complaint received 2022-10-17
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: The Bureaus, Inc. (AR)

I recently found after checking a copy of my credit report I noticed some inaccurate information reporting fraud-related accounts that were opened without my knowledge or consent. I have made contact with all parties involved and this account still remains on my credit report. I have submitted several pieces of supporting documentation to further validate my claim. I am exercising my rights under the FCRA and FDCPA in regard to victims of identity fraud. I've never had any account or contract associated with the Bureaus Inc nor received any goods, services, or money in relation to any account associated with the Bureaus Inc.
Consumer complaint received 2022-03-07
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. (OH)

My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency :, XXXX, XXXX, & XXXX ( XXXX XXXX {$2200.00} ) Macy 's ( {$590.00} ) XXXX 's ( {$1900.00} ) XXXX  ( {$240.00} )