davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

( See attached for full complaint ) Dear XXXX XXXX, I am writing to request your immediate assistance in correcting inaccurate payment history reported on my credit file. Despite multiple attempts to address this issue, the inaccuracies persist, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e ( b ) and 1681i. 

The inaccurate information pertains to XXXX XXXX Account # XXXX where payments have been misreported. I have enclosed documentation to support my claim, including credit report showing the inaccurate reporting Under the FCRA, I am entitled to a fair and accurate credit report. You are required to conduct a thorough investigation into this matter and rectify the inaccuracies as mandated by law. Please confirm the correction in writing as outlined in Section 1681i ( a ) ( 6 ). 

Thank you for your prompt attention to this serious issue. I look forward to your swift response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-31
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. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-11-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: INDEPENDENCE HOME LOANS LLC (SC)

Our loan was handled by XXXX XXXX from Independence Home Loans  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX. This is the same place that we are told the monthly payments should be sent. We have not been sent any new address or payment books. Have called his number, his assistant, and the office phone and no one has yet to return our calls. To send {$1900.00} to an address and don't know if its legit is crazy to me. This company really does stuff crazy but I'll give them the benefit of the doubt because they took a chance on us but we would like for them to give us a call and tell us where to send our payment.
Consumer complaint received 2022-12-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

I refer to the payment in the amount of USD XXXX that was rejected by JP MORGAN on XXXX XXXX 2022. 

I wrote to the bank and also wrote to the US Treasury Department, but no one answered what I could do to get the money back. I will be glad if you can help me.
Consumer complaint received 2020-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Our previous mortgage we refinanced in XX/XX/XXXX was serviced by Lakeview/XXXX. We had our property taxes escrowed with this mortgage and everything was fine for years. When the new loan began with Lakeview I tried to get property taxes escrowed again and its been a nightmare. They already had our county property tax details from our previous mortgage but still required me to send in current tax bill which I have done twice, have escalated the call to a supervisor named XXXX XXXX who now refuses to provide any updates or contact me back through phone or email. I received a letter from Lakeview which indicates an incorrect amount I am to be charged affective XX/XX/XXXX for my mortgage and XXXX confirmed it was inaccurate and would call me back - never heard from him again and this new mortgage amount is supposed to be active XX/XX/XXXX. They indicated in the letter that my monthly mortgage payment was going to be equal to the half yearly amount we owe for property tax I have been working on this issue since XX/XX/XXXX and I am not receiving anything close to normal customer service from this company and would like to see if you can assist? Please advise what other information I can submit. XXXX XXXX mobile XXXX
Consumer complaint received 2023-05-29
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : Dept Of EdXXXX XXXX, Dept Of Ed/XXXX XXXXXXXX XXXX Dept Of EdXXXX XXXX XXXX and Dept Of EdXXXX XXXX. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please correct and update.
Consumer complaint received 2020-07-02
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION (TX)

BBB & T Mortgage is reporting a late payment in XX/XX/2019. I have no other late payments on any account. There is no pattern of any account being late. I have tried to correct this numerous times by mail, in person. by phone.BBB & T refuses to correct this. I have requested proof that the payment was 30 days late. No proof was provided. No late charges were placed on the account.
Consumer complaint received 2020-07-02
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)

My credit from Equifax Breach Settlement Administrator Your Claim Number : XXXX First my credit is still being breach by Equifax - my names has been found in several companies who received information from Equifax to contact me. 
This company refused to up date my credit information regarding Student loans, and will not get me a credit report. The scores have been lowed due to their breach in the system. 
I am asking you to fine this company due to their miss guided information about my credit and score. 
This company has neglected to provided a safe account to keep my social secuirty number and personal information from other companies. 
The refuse to pay my settlement amount after I reported this information twice about the breach. I have to check my credit every day due to their neglect. 
The have refused to honor my concerns to correct their mistakes. 
Stop giving out my personal information to other companies.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MS)

I have reviewed my credit report and reached out to each credit bureau ( XXXX XXXX ) ( Experian ) to be provided no assistance with my issue. I do not and continue not to recognize inquiries on my credit report as I previously explained to the representatives on at least 8 occasions.
Consumer complaint received 2020-07-02
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. (NC)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$210.00} XXXX  XXXX {$200.00} XXXX  XXXX {$270.00} XXXX  XXXX {$52.00}
Consumer complaint received 2022-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I notified 5th/3rd bank that checks written in XXXX had not posted and I feared they were involved in washed check fraud on checks stolen out of USPS mailboxes XXXX I was advised by a 5th/3rd employee to place a " lost check '' STOP PAYMENT on the checks and this would stop them from being processed by the bank. The hold was placed on XX/XX/2022. 
On XX/XX/2022, I checked my account and {$17000.00} was missing. A check had indeed been washed and 5th/3rd paid over the stop payment. The washed check was dated and negotiated on XX/XX/XXXX. I notified 5th/3rd at XXXX XXXX  on XX/XX/XXXX of the fraud but was informed it was too late to take action because XXXX XXXX XXXXXXXX had paid out cash on the check. 
5th/3rd has refused to accept any responsibility for paying over the stop payment. There is a fraud claim between 5th/3rd and XXXX. The only information I have received is that it will take 30 to 180 days to process. Why are these mega-banks allowed to deny their responsibility for allowing the fraud while the customer who tried to stop the fraud is penalized and not even able to check progress on the claim?
Consumer complaint received 2023-07-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (TN)

I have spent the last 2 years trying to get a loan modification through my current mortgage holder Mr Cooper. I have been stuck in a non stop repeat cycle, I fill out all paperwork and gather all documents requested, follow up and am told they have everything they need, then the next week I follow up the person that tells me they received everything is no longer available and that Im missing documentation that I confirmed they received the previous week. I then resend everything that Ive already sent and call to follow up and they say my application has expired and I have to start the process over again. After about 12 times of doing this I got fed up and complained and was transferred to the escalation department who tell me they will be my single point of contact and then they do the exact same thing, tell me they have everything they need and then the next week Im dealing with a new person once again telling me to start all over again and my single point of contact is never available or heard from again. Ive put in 9 requests in the past 3 months for a supervisor to contact me and not once have I been contacted by a supervisor. The last attempt I finally was able to get it sent to the underwriter but Mr Cooper Mortgage didnt include income that they requested and I sent and was confirmed it was sent. I then spoke to XXXX XXXX who told me all I had to do was send in an appeal letter and more check stubs from my wife. The next week I confirmed XXXX XXXX had everything she needed to which she agreed and stated she would follow up with me weekly. Then once again XXXX XXXX is not available just like my previous 5 single points of contact and XXXX speaking to someone new telling me I have to start the entire process over again. I truly believe this company has no intention whatsoever in attempting to do a loan modification and are following a script to keep customers in a never ending cycle until they can sell home out from under us.
Consumer complaint received 2020-07-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstLine Financial, Inc. (NC)

Sent debt validation letter to company on XX/XX/XXXX and per certified mail tracking number XXXX letter was received by company on XX/XX/XXXX ; i have not received any information to validate this debt ; the original creditor was removed from my credit for false information and then sold to another company and increased the amount of the debt owed without contacting me
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Hello I am filing this complaint because I was affected by the XXXX data breach and I'm a victim of identity theft and all these accounts below listed are not mine and I have never authorized to open any of these accounts listed below please remove them immediately off all credit report agencies Accts to remove XXXX : Collections XXXX XXXX Credit Cards XXXX {$3000.00} XXXX {$960.00} XXXX {$2400.00} XXXX XXXX  XXXX XXXX {$14000.00} XXXX XXXX {$41000.00} XXXX XXXX XXXX XXXX  {$14000.00} XXXX  XXXX {$31000.00} XXXX  {$4600.00} XXXX XXXX  {$12000.00} XXXX XXXX  {$24000.00} XXXX  {$9200.00} XXXX  {$0.00} Charge off XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  closed charge off. 



All inquires XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-02
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. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX XXXX XXXX, 11 XXXX, XXXX  XXXX XXXX  XXXX, XXXX  XXXX XXXX, U S DEPT OF EDXXXX Company 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
Consumer complaint received 2020-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

I was a with COMENITY BANK/XXXX  customer since 2014 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/2014 ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2020-07-02
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. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, U S DEPT OF EDXXXX Company 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
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My XXXX XXXX  was only 30 Days Past Due when I entered into a Settlement to bring my account from {$3300.00} to a {$0.00} status by executing a settlement. Up to this moment of receiving authorization to proceed with a settlement, I had been in a consumer-initiated balance paydown payment program, with {$59.00} a month that was being paid as agreed and was CURRENT. I was never in collections, and I was never a charge off, because I had been very properly handling my account and actively involved with making sure each month it was being paid on time. As part of my Settlement Offer, I paid my final settlement payment ( # 3 of 3 ) on XX/XX/XXXX for {$760.00}. They then forced my account into a late status on the credit reports due to them taking from XX/XX/XXXX to XX/XX/XXXX to show a payment and a {$0.00} amount. This is not acceptable. 

I have 3 recorded phone calls through XXXX to substantiate my claim as well. 
My Account has never been with any formal collection company AND my account has never been a charge off. I was current throughout this entire process. 

On each separate time that I called XXXX during this settlement and payoff process, I was using the XXXX ADVERTISED PHONE NUMBER readily available on the Internet as XXXX CUSTOMER SERVICE, I spoke directly to a rep that identified herself as a Rep with XXXX XXXX. I have never, and I mean, never, ever, ever been informed that this account is a collection account, and certainly my account has never ever ever been a charge off. As you can see by my documentation from XXXX, this account was not a charge off. 

The Problem is that XXXX has reported to TRANSUNION that I settled / paid in settlement AFTER a charge off/collections. That is 100 % a lie. That is 100 % fraud. 

I also have a CURRENT ( dated today ) screenshot of my XXXX Account, and of my XXXX  credit bureau, because it appears, that XXXX TODAY went to Transunion and ERASED all my prior months of PERFECT payment history of {$59.00} and changed the past 3 months to show a CO for Charge Off which is a Complete Lie. 

My Settlement Payments have been drafted and paid to XXXX XXXX, and presented as XXXX XXXX. 

Please, Attorney General, and CFPB go after these people. I paid them my hard earned money, while I am still unemployed, and this is and never was a charge off, and my account never went to collections.
Consumer complaint received 2020-07-02
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-07-02
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. (TX)

I do not have a contract with XXXX XXXX XXXX.They are furnishing false and inaccurate data to Equifax. My dispute with XXXX  on XX/XX/2020 resulted in the inaccurate, false information reported by XXXX being deleted and removed from my report.. However, its still inaccurately being reported at Equifax.
Consumer complaint received 2020-07-02
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2022-07-14
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: CNG FINANCIAL CORPORATION (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

CHECKNGO/AXF XXXX Date Opened XX/XX/2019 XXXX {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-11-23
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/2012 Balance : {$13000.00}