davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

I have been trying to reach Experian Credit Reporting Agency since XX/XX/2022. It is impossible to reach a live agent by phone and sending two letters to them have gotten no response. I have numerous valid accounts that Experian is not showing on my credit report. I have followed the process spelled out on their website to contact my own creditors and have ensured they are reporting the accounts to Experian. They have stated directly that they are and even sent verification letters to me. In turn, I have physically mailed my request to investigate to Experian along with these copies from creditors. I have gotten no response by email, mail, or phone. Due to the fact that Experian for some reason is not reflecting these accounts on my credit report, I am having issues with employment credit checks and not meeting their employment standards. The main issue is I am unable to reach anyone at Experian to investigate, despite my 5 month long attempt by mail, email, or phone. This is unacceptable.
Consumer complaint received 2022-03-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I received a confirmation from Equifax of my personal dispute. The confirmation number is XXXX. The company is asking me to submit a copy of my social security card, driver 's license and or an official document to update my name. I submitted a valid governmental issued identification card.
Consumer complaint received 2022-08-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The company XXXX XXXX is listed on all 3 of my credit reports as paid after charge off. In XXXX I contacted XXXX regarding inaccurate very high charges one month, in XX/XX/XXXX. XXXX was to send out a meter technician to test our meter. This never happened. I disputed the charges and closed the account. Still no contact back from XXXX. I paid the account in full in XX/XX/XXXX and was ASSURED by XXXX this was to be removed from all reports. Each time I submit a dispute to XXXX, XXXX XXXX and equfax the results come back as verified?? I repeatedly request supporting documents and to no avail receive any back up supporting their reporting. I have clean reports with this exception and have proven good credit history. I want this item from XXXX XXXX removed from all 3 reports. Again, I have requested additional supporting documents and constantly ignored from all 3 agencies and the merchant. Thank you very much.
Consumer complaint received 2022-03-24
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: EQUIFAX, INC. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

FTC report # XXXX Police report-per FTC it is OPTIONAL My name is XXXX XXXX These accounts need to be DELETED from my consumer reports and I need a copy of clean reports once removed. The credit reporting agencies are taking their time to remove ( been going back and forth with them for XXXX months now ). A few of them have removed some, but the fact that these account still remain is clueless to me as to why havent been removed when FTC report was included per the CRA 's request. 

Again, I need these accounts listed below including inquiries attached DELETED asap. My FTC reports # is also listed at top of paragraph : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: OPTUM BANK, INC. (CO)

The custody of my HSA account transferred from XXXX to Optum Financial on XX/XX/2022. I had a pending {$340.00} Credit to my account at XXXX that became a permanent credit as of a letter received XX/XX/2022. On XX/XX/2022 I called Optum Financial to ask them to transfer the {$340.00} that was apparently " stuck '' at XXXX. I was assured that the funds would be debited from XXXX and credited to Optum and was provided case # XXXX. The funds were debited from XXXX on XX/XX/2022 and were never credited to Optum. On XX/XX/2022 I called Optum and requested status but there was no record of my previous requests so I submitted a new case # XXXX and provided a copy of the letter I received from XX/XX/2022 showing the {$340.00} credit was permanent. I was told the credit would apply to my account in 3 business days. On XX/XX/2022 and XX/XX/2022 I called both Optum and XXXX and both at the same time on a conference call. Neither bank shows any record of the {$340.00} ever being credited to me.
Consumer complaint received 2022-08-16
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. (NY)

I AM A UNITED STATES HUMAN AND I HAVE RIGHTS UNDER15 USC 1681 EQUIFAX IS GOVERN BY 15 USC 1681 AND MY RIGHTS HAVE BEEN VIOLATED NUMEROUS OF TIMES I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 I HAVE A RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX PERMISSION TO FURNISH THESE ACCOUNTS CREDITOR-WOW EQUIMENTS DATES- XXXX XXXX AMOUNT- {$250.00} ACTION- I EXPLAINTED THIS IS NOT MINE CREDITOR- XXXX  XXXX XXXX XXXX XXXX AMOUNT- {$600.00} AND {$140.00} ACTION- COLLECTIONS CREDITOR-XXXX XXXXXXXX XXXX XXXX AMOUNT- {$760.00} ACTION- SOLD DEBT TO BUYER CREDITOR- XXXX XXXXXXXX XXXX XXXX XXXX AMOUNT- {$440.00} ACTION - SOLD DEBT TO BUYER
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (VA)

On XX/XX/2022, at XXXX am, I received a call from Rocket Mortgage ( also known as Quicken Loans ). They are the holders of my current mortgage, and they said that I could refinance, that way I could take money out to pay off my credit card debit. I was asked how much I paid for the unit which I told him that it was around {$210000.00} and I was also asked if I knew what the current sale price on my unit. I told him I did not know so we both went on to XXXX and it came up to {$280000.00}. He said that was good. I talked with them for XXXX minutes, where they went through the whole refinancing process. We even went through the breakdown on my credit card bills. They gave me all the figures of what my new mortgage payment would be and how much extra cash I would have after I paid off my debt. They went through the entire process of the refinance even telling me that I qualified for the refinance without a home inspection. When they got into the final piece of the mortgage Application, they said they had a series of questions which I was not obligated to really answer. But after qualifying I did not see a problem with answering. There was XXXX specific question about XXXX. Some of the questions was XXXX  XXXX, XXXX, XXXX, XXXX, or XXXX XXXX. I answered that I was XXXX XXXX. After I answer the question, he suddenly says something like oh I will be right back, I made an error in your application. He comes back and says oh I forgot to put in the unit number then everything changed. First, when we started this process, I gave them my address which included the unit number. My current mortgage is with Rocket Mortgage, so they had my address and unit number already. According to Rocket Mortgage I still qualify but for less. Just a fraction of what he quoted me. At that point I was suspicious, and I was angry because if I had not said XXXX XXXX, I am quite sure there would not have been an issue. I was discriminated against by Rocket Mortgage.
Consumer complaint received 2022-08-16
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: DISCOVER BANK (TX)

On XX/XX/XXXX, I opened a Dispute on XXXX website with DISCOVER CREDIT CARD whereby I officially disputed all charges, which were all fraudulent and of an identity theft nature on my account from the date of XX/XX/XXXX forward, as I was XXXX in a XXXX XXXX, and still am until XX/XX/XXXX. I uploaded the FBI letter from XX/XX/XXXX to Special Agent XXXX XXXX of the XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX where I notified them of the crimes against me. Further, I included the XXXX  Court documents from XXXX XXXX XXXX Court in XXXX XXXX, XXXX where I sued the individuals responsible for stealing my life savings and committing identity theft and fraud against me for fraudulent credit card charges, etc. I was incarcerated and had no visibility and limited interaction with the world in prison. I did not authorize these charges and have notified multiple law enforcement agencies to that effect. DISCOVER CARD and XXXX denied my dispute and state that all charges were reported appropriately on my account. It seems that they did not read the attachments, as this was fraud on all these charges after my XXXX date. While XXXX all my accounts were assigned to the address in XXXX XXXX of the perpetrators of theft against me ; this is fraudulent, as I never lived in XXXX XXXX. I have always been a citizen of XXXX XXXX except for 4 years I spent in a XXXX XXXXXXXX  during this term of XXXX ) and can clearly show this fact. Further, I am protected by the laws of XXXX and per law, the statute of limitations on past due debt ends after 4 years of delinquency. It is against the law for anyone, to include debt collectors, from trying to collect on debt older than 4 years of age, period.
Consumer complaint received 2022-06-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

In late XX/XX/XXXX, LoanCare , LLC ( XXXX XXXX  XXXX ) incorrectly purchased hazard insurance for my mortgage loan. Upon calling numerous times, LoanCare responded and said that they recently erroneously updated the date of my insurance expiration to XX/XX/XXXX instead of XX/XX/XXXX. They also responded and said that the insurance premiums would be refunded to my escrow account as a result of their error. 

On XX/XX/XXXX, I received an update to my mortgage loan requesting an additional {$440.00} as a result of the negative escrow balance from the illegally and incorrectly purchased insurance.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

I paid this fraudulent loan and fee balance off in XXXX. They reported to credit agencies in XXXX that I did not pay in full. They also reported untrue information about my payment history, making my credit score drop 83 points! I am also filling another complaint about the fraudulent loan practices and so called late fees this company engages in that have ruined my credit in the past. This company need to be investigated for its dishonest practices.
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED BANKSHARES, INC. (VA)

I just received a Debit Card from United Bank. I have never banked there. I went to the branch and it looks like someone opened a bank account with my ssn, home address. But with their phone number and email address, online. I did close and flag that account. 

I just received a check from XXXX XXXX XXXX XXXX for {$30.00}. I've never owned a savings account there either. I called and it seems the person with the same phone number opened and has been using a Savings Account with my name and ssn.

This is 2 bank accounts opened in my name by the same person. I'm not sure what to do about it and need help. 

I have frozen my credit with XXXX and XXXX. 

I need help
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/2016 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2020-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

To Whomever This May Concern : First and foremost. I put in my first complaint that this is me, XXXX XXXX XXXX submitting this complaint. That is the same case with this complaint. No one has my login information but myself. You are going to find yourself hit with a lawsuit if you do not block the information that I have requested you to block and if you do not take my complaint seriously. I have submitted a dispute via certified mail as well. My attorney is on standby. You should take this complaint very seriously. If this item hasn't been removed or blocked from this bureau within the next 30 days, we will sue. The company XXXX XXXX XXXX showed up on my credit report for 1920 for a debt that does not belong to me and that is due to identity theft. I did not receive any notification from this company at all. This same fraudulent debt was held by XXXX XXXX earlier this year and I disputed and it was blocked. I appreciate you handling this immediately. 

Stop saying that this is not me submitting this dispute. This is me handling this dispute and complaint. I need this acted on immediately.
Consumer complaint received 2022-04-23
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 2021-12-08
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. (DE)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are constantly reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed 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 accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date XXXX XXXX XXXX {$190.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date XXXX Balance : {$92.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Date XXXX Balance : {$150.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date XXXX Balance : {$150.00} XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$130.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX {$91.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$850.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date XXXX : XX/XX/XXXX Balance : {$99.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX : {$91.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$58.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$280.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$92.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX Balance : {$55.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX {$160.00}
Consumer complaint received 2020-11-20
Product: Mortgage — Other type of mortgage
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: Shellpoint Partners, LLC (NV)

I was recently contacted regarding my credit that Shellpoint reported me more than 30 days late for my XX/XX/2020 payment this year which drastically impacted my credit score. My frustration with Shellpoint is that during this time, I was starting a 3 month forbearance plan, starting in XX/XX/2020 - but still made 1/2 payments for XX/XX/2020, XX/XX/2020, and XX/XX/2020 - Please note that I paid in full and caught up my account this XX/XX/2020 only because I was concerned about how slowly Shellpoint adjusted my account and wanted to continue to show my good status with Shellpoint. 

I had a guarantee by your team XXXX XXXX XXXX among others at the time ) that taking on a forbearance would not negatively impact my credit and that you would be keeping this internal to Shellpoint and no reporting to the credit bureaus. Please note that I have maintained my account in a pristine fashion with you for more than 3 years, with early payments. Even during the Forbearance period I made 1/2 payments, then paid in full early - before it was due in XXXX. 

I started conversations back in XXXX to decide if it made sense to use the forbearance plan, even though I had the savings for this - but due to COVID, my salary had been drastically reduced and this would help my short term cash flow. You can imagine my surprise when I just received notice that my credit dropped by nearly 100 points since Shellpoint reported that my XXXX payment was late - more than 30 days overdue - even though I was in Forbearance period and I also made a 1/2 payment for XXXX in XXXX. 

My credit has been perfect - obviously, in that I wouldn't have even been able to get a jumbo loan if this wasn't the case. 

Can you please straighten this situation out with your credit department and the Bureaus? I really appreciate your assistance in this matter. I have all of the paper work and history - in addition to the copy of my credit report showing Shellpoint 's negative rating.
Consumer complaint received 2022-04-23
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: CITIBANK, N.A. (TX)

Citi Cards isnt resolving a double reversal. I have contacted them every week for 6 weeks. They have confirmed it is their mistake and they are working through their process to resolve. It has been 60 days. They have given me a credit on the interest accruing on both my XXXX And XXXX statements, however the last person I spoke with said they were waiting on the investigation team to resolve as it is now a billing issue but they can see its a double reversal. No matter who I speak with they will not solve the issue for their mistake. It is for over {$2000.00}.
Consumer complaint received 2020-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (MD)

I recently refinanced and transferred loan servicers from The Money Source to XXXX. During the transfer of service, The Money Source did not send over payments that I made after my XXXX mortgage to XXXX XXXX. XXXX XXXX is sending me statements asking for a XXXX payments with late fees. I know those fees will be waived during the 60 day grace period but my complaint is that The Money Source should have sent over the additional payments I made in XXXX because they were before the official transfer date to my knowledge. I have contacted both companies several times inquiring where those payments are at and also asking for an explanation on why The Money Source hasnt transferred those additional payments I made yet to XXXX XXXX.
Consumer complaint received 2020-11-20
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: Experian Information Solutions Inc. (NJ)

I have asked XXXX, Experian and XXXX  to remove erroneous bankruptcy information from my credit report multiple times. Nothing has been done. There is a chapter XXXX that is being reported with the incorrect middle name because it was filed with the wrong information. I would like for it to be removed.
Consumer complaint received 2022-06-22
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. (MD)

In accordance with the Fair Credit Reporting act 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 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

checking my credit report a lot of information is invalid on my transunion report. I am interested in disputing all of the incorrect data that Is hendering my file to be corrected.