davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (VA)

We mortgaged the house in XXXX with XXXX XXXX XXXX XXXX. They sold our mortgage to Midland Mortgage Compnay same year. The issue is : When we bought the house in XXXX the initial loan amount was {$190000.00}. We have been paying for the house since XX/XX/XXXX. As of to date the balance that is indicated in the account is {$180000.00}. 
We did have two ( 2 ) modifications, the years are as follows : XXXX due to devorce, and XXXX due to loss of contract for the business. The amount that I was owing at this time of this modification was {$3000.00}. Since XXXX up to XXXX the mortgage amount {$1300.00} to XXXX was paid. Amount varies depends on the change brought by escrows, hence I mentioned {$1300.00} to {$1200.00}. Between XXXX and XXXX I was paying about plus or minus {$350.00} towards the loan principal. That is eight years ( 8 ). If I have to calculate {$350.00} XXXX XXXX a year, for eight years I would have paid {$33000.00} towards the principal. 

I questioned Midland mortgage about the high balance when I have been paying for 15 years. They told me that every time the loan was modify they add 10 years on the loan. Also, there are fees that are not justifiable. 

I also applied for modification during pandemic. I was told that the modification has been granted by they are waiting for deed confirmation to date. 

Also, they sent somebody to change the lockers at the house while I was gone overseas due to death in the family. The person they sent stole yard equipment that was stored in the shed. I notified Midland about the incident and I sent police report and the value. Names of the stolen items were attached to the police report.They told me they are investigating the situation. Since then I have never heard any thing from them. I have been calling them so may times about the issue, but I always get an answering machine and no one is returning my calls. 

In XXXX of XXXX, I sent a letter to Midland addressing my frustrations. They denied any wrong doing. They believe the loan balance and fees are correct. Also, they mentioned that in regards to personal property they do not have evidence to substantiate the allegations.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, Please Delete these Inaccuracies on my XXXX XXXX
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

I have sent out disputes to the bureaus and I have received no letters or calls or anything from them. I have inaccurate items reporting on my file that need to be removed. I will upload the most recent letters I sent but there have been others. Please fix immediatley.
Consumer complaint received 2022-09-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (AZ)

These are the last 5 payments I have made : XX/XX/2022 : {$2500.00} XX/XX/2022 : {$640.00} XX/XX/2022 : {$640.00} XX/XX/2022 : {$670000.00} ( This is where I noticed the issue. ) XX/XX/2022 : {$2900.00} Account Balance was {$11000.00} on account statement for period of XX/XX/2022 - XX/XX/2022 and after payment of {$6700.00} posted, I see {$5800.00} current balance. I believe the balance should be {$4400.00}, however, I am unable to see amounts before and or after payments have posted on app nor website. 

I contacted their support via phone to inquiry about the reason for the missing $ XXXX and was repeatedly assured it was calculated correctly. I asked for amounts before and after each payment and they refused to provide this information. The rep said they don't have the information and that they have to manually calculate it. 

After putting me on hold multiple times, the rep asked to confirm my contact information. They updated my address, then said, " Did you need anything else besides your address updated? ". When I responded that I still needed the balance history of before and after each payment, the agent hung up the phone.
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

DISPUTING XXXX XXXX XXXX XXXX ALSO KNOWN AS XXXX XXXX XXXX XXXX REPORTING Name- XXXX XXXX DOB- XX/XX/XXXX Address- XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX DC XXXX SSN last 4 XXXX Account number XXXX I, XXXX XXXX, hereby officially disputing XXXX XXXX XXXX also known as XXXX XXXX XXXX reporting to credit agencies as untrue. 

I am asserting that the reporting of late payment from XXXX XXXX XXXX also known as XXXX XXXX XXXX is false or untrue. 

I have attached documents showing an up to date payments from XXXX XXXX XXXX also known as XXXX XXXX XXXX .Reporting false info to credit agency amidst pandemic hardship is cruel and illegal business practices. 

I therefore employ you to investigate and adjust my credit report. 

Thanks XXXX XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2022-09-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (CA)

On the XX/XX/2022 I get a text message from my landlord stating that they received a message from my bank Chase that my last two months payment has been rejected due to authorization revoked by customer, so I contacted the bank customer service and ask what is going on? Bank customer service transfer me to claims who stated that I called them on the XX/XX/2022 and disputed the transaction and I told them that I never called to dispute any transactions and was asked to go to the bank in person and close my account and open a new account due to fraudulent activities. Went to the bank but was told there is no open space for an appointment and was scheduled the next day XX/XX/2022 and came in the bank and close my account open a new account and also got claims form that I sent by fax to Chase letting them know I didn't dispute the transactions that was shown to me. Called the bank to know if they received my fax they stated yes and was told by a customer service that they sent me a mail and will let me know about the banks decision and it will arrive in five day, until today I have not received any mail about their decision. On the XXXX XXXX I get an email that my account is overdrawn with {$1000.00} then the next day {$5000.00} was added and call the bank and wanted to know what is going on and they said my claim was reversed since I call the bank I told them that I didn't then spoke to the Identity theft and fraud department and let them know I'm a victim of identity theft and they got all my information and put on their system. Then spoke to claims department asking them where's the letter about their decision they put me on a hold for an hour and then hang up on me then I have been going back and forth and they are stating there is nothing they can do for me. I ask them how many claims were made they told me eleven so I ask how much altogether they said {$22000.00}, I reiterated I didn't dispute any transaction and they should stop charging me and have cause me financial hardship and I'm the victim but all I was saying fell on death ears. Very disappointed with how the bank handle my situation hung on my call multiple times and been walking in the branch multiple times and they are unwilling to resolve stating that anyone can call and make a claim and they are not liable I find that untrue.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS AND TO FILL OUT FRAUDULENT APPLICATIONS ( INQUIRES ) IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-09-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (FL)

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the National Mortgage Licensing Service . 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
4. A debt purchase must have an assignment number and be registered with the National Mortgage Licensing Service. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Consumer complaint received 2020-10-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MO)

XX/XX/XXXX XXXX afternoon I called Quicken loan for property taxes to pay. XXXX XXXX said I can pay mortgage any time. XX/XX/XXXX XXXX XXXX  I paid quicken loans thru mobile app XXXX XXXX. XX/XX/XXXX quicken loans stolen XXXX. I asked fifth third, fifth third said XXXX taken. I filed dispute fifth third. I called Quicken loans, XXXX said yes we have XXXX paid thru XX/XX/XXXX. I told XXXX mobile app quicken defeated. Woman quicken asked me did you get text? I told woman internet problem. I told woman ask fifth third about their business. I hung up called back I told woman XXXX stolen give money back. XX/XX/XXXX quicken loans tira middle asked me do you have bank statement? I told middle please give back XXXX. I told middle we can call fifth third the rep can verify XXXX paid XX/XX/XXXX. XXXX  did three way phone. Fifth third refuse to verify. XXXX myself called back. XXXX XXXX  refused to verify. XXXX told me Quicken didn't get XX/XX/XXXX payment. We need to set up XXXX. Quicken loans email XX/XX/XXXX said payment XXXX received. XX/XX/XXXX XXXX. Payment scheduled. I called fifth third XX/XX/XXXX acct deposit XXXX dispute approval. XXXX quicken loans deposit. I called Quicken told rep I need to give back extra money not mine. XXXX said XX/XX/XXXX. XX/XX/XXXX XXXX called me I asked XXXX how to send back XXXX? XXXX refused. I called back XXXX gave me payment center address in XXXX illinois. XX/XX/XXXX fifth third said quicken tried to take XXXX. I told fifth third no quicken loans employees scam. I filed ftc complaint quicken. XX/XX/XXXX XXXX quicken loan asked me again for XXXX. Thru email from quicken I never got response on giving back XXXX also I need to give my new acct information for mortgage payment
Consumer complaint received 2024-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc. (MO)

XXXX sold my account to a collection agency but it is still showing open on my credit report. 
Payments are being made to the agency as part of a settlement. 

XXXX has been settled but it's not updated on the credit report. 

XXXX is not derogatory. I have a clear title. 

I am working with XXXX XXXX formerly XXXX XXXX XXXX and have called them to ask for assistance in getting the XXXX and XXXX accounts corrected but have not been assisted.
Consumer complaint received 2022-09-12
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 



XXXX, IL XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Possible Financial Inc (IN)

I have checked my credit and found a account that wasn't mine I tried calling the company 's phone number just to find out it is a automated number and doesn't connect to a service representative and it then hangs up on you I have then went online to search for other numbers and have ran into the same thing saying this company does not have a phone service I have emailed the company just to have them tell me they are looking into it and then emailed me back saying we can no longer investigate this claim without a police report and still no phone to contact anyone
Consumer complaint received 2020-07-07
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: Exeter Finance, LLC. (CA)

Exeter XXXX has been changing account payment history information for the worst since XX/XX/XXXX. They have reported XXXX days late, XXXX days late, and XXXX days late twice on my credit reports since account closure sending my credit score plummeting to the low XXXX from a XXXX, usual credit score. This account has been closed and paid-off since XX/XX/XXXX for the full amount by my insurance carrier, XXXX XXXX XXXX. Account due date they said was on the XXXX of every month.Not even XXXX days after account closure a XXXX days late, XXXX days, and XXXX days late payment in account history has been noted on my account as well as a charge-off status.
Consumer complaint received 2020-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (NC)

On XX/XX/2020, I pulled my credit reports to find a collection from DIVERSIFIED ADJUSTMENT, in which I did not recognize, claiming that I owed a debt for a phone bill that went into collections. I then checked my report to see the original creditors information and reached out. The original creditor could not confirm that my information matched the information they had on file for the supposed debt. They stated that they had no accounts for me that were referred for collections and that there were no recorded files that reported a balance or previous balance on my accounts as I never had an account with this phone company. With this information I sent out a debt validation request certified ( attached documents ), requesting supporting documents be mailed to me within 30 days of receiving the debt validation request. This company never responded. I then attempted to contact the company directly, where I was met by a rude representative that claimed that I would just have to pay the debt for it to go away. I reached out to the credit reporting agencies after the collection company failed to respond to my request and filed a dispute. XXXX and XXXX   deleted the account after conducting its investigation. However XXXX stated the account had been verified. I requested a method of verification used by XXXX  to validate this debt, they failed to respond and only issued another investigation, that came back as verified as accurate. I then bought a service called XXXX, that accurately pulls all 3 credit reports and compare the information. The comparisons were inconsistent being the collection agency was reporting different information to different bureaus. The collection company will not validate the debt it claims I owe and I believe that its because it can not be validated as mine. This collection account is effecting my ability own a home, qualify for a better job at my current job and has caused me a lot of restless nights and worrisome days. I feel as if this company is taking advantage of me and is trying to force me to pay a debt that does not belong to me.
Consumer complaint received 2022-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on Transunion, XXXX, and XXXX in violation of Federal Law. Transunion, XXXX, and XXXX failed to comply with 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 statute. These need to be deleted immediately 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10.The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2020-10-06
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. (RI)

'm filing a complaint with a auto loan lender named XXXX XXXX XXXX, XXXX, and Experian. Back in XXXX of XXXX, I was granted a discharge from chapter XXXX bankruptcy. A few weeks later, I was approved for a auto loan on XX/XX/XXXX of XXXX. For some odd reason my credit file is reflecting as a closed account and that it was discharged alongside my bankruptcy which is a total XXXX up on XXXX and Experian. I've called XXXX which is which I owe the debt on and they said they have nothing to do with my fico score being reported to Experian and XXXX inaccurately. I've already tried filing disputes with both credit bureau but I get the same song and dance that my credit file is reporting accurately. I've included my XXXX  credit file which reflects my loan accurately, my bankruptcy discharge paperwork and the actual bill of sale of the car I purchased after I was completely XXXX
Consumer complaint received 2019-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On the XX/XX/XXXX I sent TransUnion a series of documents relating to identity theft. These documents were sent USPS certified mail with return receipt. The post office showed that this information was received by TransUnion on Tuesday XX/XX/2019 at approximately XXXX. 

After trying to fix my information with TransUnion for months information has surfaced supporting the previous disputes made with the credit reporting agencies that I am a victim of identity theft. 

Pursuant to FCRA section 605B, once a consumer notifies the credit report agency that they are a victim of identity theft along with sending the credit report agency 1. A notarized statement 2. A FTC identity theft affidavit 3. A police report 4. Utility bill or bank statement containing address information and 5. Drivers license with other identification ( my ssn ) the credit reporting agency must block the accounts/trade lines in question from the consumers file NO MORE than 4 days from receiving.

Today is day 5, I have not received any corespondents from TransUnion of them blocking this information. This is a violation.

I sent ALL requested documents and affidavits notarized. The credit reporting agencies DO NOT have jurisdiction to over look nor over ride federal law.

This complaint serves as notice that if these accounts in question are not block and deleted from my credit report within 15 days per this complaint, I will file a willful non-complaint lawsuit against TransUnion.

**see affidavits attached**