davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (OR)

This is a follow up to complaint XXXX. The short story is we had our house burn down on property related to loan XXXX ( XXXX XXXX XXXX XXXX ) and received a full dwelling payment of around $ XXXX. The check was in UWM name and myself and my wifes so we sent it to UWM in XX/XX/2020. By XX/XX/XXXX the loan showed as paid off, which means they cashed the check. The loan was for around $ XXXX, and therefore we are due the equity of the difference which is $ XXXX. They've had multiple processing issues, incorrect address, stop payments etc. Long story short is it's 3 months after I sent the check and we have not seen our equity check of $ XXXX. Every time we call or email we are told " it's in the mail '' or " it will be overnighted this week '' or whatever the lie is that day by whichever incompetent employee happens to answer the phone. 

The company responded to our previous complaint and sent a {$25.00} gift card, which funny enough got to us before our $ XXXX. A true slap in the face. I emailed a lawyer tonight. The most recent correspondence from a manager named XXXX via email said it was in the mail on XX/XX/XXXX. However it's now 8 business days past that, I've never seen mail take that long. I have reason to believe they are lying, as they fail to show any proof that the check is in the mail. 

We NEED our money. We have severe emotional and financial stress from teh delay of this company. And all you need to know is on their XXXX page. Endless reviews of incompetence and horrible customer service. STAY AWAY FROM UWM at all costs!! I'd rather pay a % higher than deal with these scam artists.
Consumer complaint received 2022-09-26
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. (SC)

I have sent emails to XXXX, XXXX, and Experian on XX/XX/22 and XX/XX/22 asking for the payment history and bank statements on the following accounts to verify there late payments. I am sure I have never been late in making these payments. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (TX)

Please see the attached. I made two mortgage payments in XXXX since they pretended to never receive the first. When I contacted my bank for a refund on the first one ( that the mortgage co. did NOT give me any credit for ), they have now charged me an additional {$25.00} fee on that payment they claim we never made. ( That's an update since I filed my complaint with you ). So that's two {$25.00} fees they've wrongfully charged us now. Plus the auto pay was approx. {$63.00} more than it should have been in XXXX XXXX They are completely out of control.
Consumer complaint received 2021-09-27
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. (TN)

This is my second complaint with XXXX and Equifax on why these addresses that do not belong to me are reporting on my credit report. XXXX is reporting the following addresses that have never belonged to me : XXXX XXXX XXXX XXXX, TN XXXX and Equifax is reporting the following address that does not belong to me and I have never lived at : XXXX XXXX XXXX XXXX, TN XXXX I have sent letters every month for the past three months and they have not sent me any update on removing these addresses.
Consumer complaint received 2022-02-03
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. (MI)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Id like to file a complaint against Equifax for violating section 611 Of the FCRA. I filed a complaint with Equifax for reporting inaccurate information. Equifax verified the accounts in questions & said I need to deal directly with the data furnishers to correct any inaccurate information. I have now sent both Equifax and all the data furnishers listed below the required letters & I have not received anything from any of the companies. Ive further sent Equifax request to remove these items for lack of response & theyd ignored my requests to remove the items which I know are inaccurate. Equifax is now violating section 611, 609 & 623 & Id like these accounts removed immediately. Ive attached all correspondence for your internal investigation. 
XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX PXXXX XXXX XXXX XXXX  ) XXXX Balance : {$960.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$390.00}
Consumer complaint received 2022-08-21
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)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-11-25
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. (MI)

XX/XX/XXXX XXXX XXXX XXXX  reported a late payment. After speaking with the representative it was concluded that a representative neglected to process a loan repayment application I completed XX/XX/XXXX. No notifications were sent to me that this application was not processed. This is the only late payment that I have and it is not my fault. I was told by the representative to dispute it through the credit bureaus which I did and it still was not corrected.
Consumer complaint received 2023-05-25
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 2022-02-03
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. (SC)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-02-03
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. (OH)

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (FL)

I noticed this problem in XX/XX/2022 " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2021-09-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (TX)

I paid off the car to the original company that is called Gateway One Lending. I paid if off in XX/XX/2017. We sent a check for {$7800.00} XXXX, XXXX 2017. That check was sent by another financer who had financed the car. After, we got a letter from Gateway on XX/XX/2017 that says that the car is paid in Full and the title was sent and the loan was closed. After 2017 Santander Consumer USA sent me a charge for the car and I sent the proof that I did not owe and Santander still did not want to take the account off my credit report, saying that I was missing payments.
Consumer complaint received 2022-05-01
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. (NJ)

n accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX have all 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
Consumer complaint received 2023-01-30
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: U.S. BANCORP (MN)

There was an {$800.00} cash advance taken out of my credit card that I did not do. I reported it as fraud and my credit card company denied my claim. I tried to appeal and was denied again. I am still waiting to be given any information as far as where the atm was that the transaction took place, what time of day, was there a camera available. My statement says the transaction took place in Tennessee and I live in Minnesota. In my opinion if i can prove I was at work then it was clearly fraud. I have XXXX of dollars in my savings account and there is no reason I would need to cash advance off of a credit card. 

Case # XXXX
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America has irrepairably damaged their reputation by " insisting '' on charging me fees, and ignoring my calls, then ignoring my credit line increase & requests for additional cards.
Consumer complaint received 2022-02-03
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. (CA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

These 2 accounts with the Department of Education just re-appeared on my credit report after previously being removed. These 2 accounts are time-barred from credit reporting due to their age. The Date of First Derogatory ( DOFD ) that led to default was more than 7 years ago. I have not voluntarily made a payment on these two accounts in over 7 years. The Department of Education has illegally re-aged these 2 accounts and they need to be removed from my credit reports at XXXX, Equifax and XXXX.
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica (WI)

I receive social security in the amount of {$940.00} each month. On or around XX/XX/XXXX to XX/XX/XXXX two withdraws were made in the amounts of {$550.00} and {$360.00}. I did some homework and found that the transactions were made at a XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX I live in XXXX, I have never been to XXXX nor do I know anyone that lives there. I had XXXX XXXXXXXX on the XXXX of XXXX and was no able to drive or even leave the house for 3 weeks. My debit card was in my home all the while. I did contact DirectExpress at Comerica Bank. I filed a dispute that was denied, then filed a second dispute that was denied also. I called to have the investigation papers sent to me but they never arrived. I then called to see if they were sent only to find that they were sent to the wrong e-mail. They wouldnt give me any further information. I did tell them to mail the papers to me, not e-mail them. I then asked them to re-send them to me. I should add that a provisional amount was sent to me the XXXX of XXXX which they took back from my debit card in XXXX. Ive since called social security and had my monies now coming to my local bank. Im waiting to see if I receive it in XXXX Thank you, XXXX XXXX..
Consumer complaint received 2022-04-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RS Clark and Associates, Inc. (NC)

My name is XXXX XXXX, a federally protected consumer, and I am making the complaint against RS Clark & Associates for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have never given RS Clark & Associates any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I have attached an FTC report which will be used when filing for litigation in Federal court to this complaint. I am aware that the in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and and the assigned are both liable for violation under 15 U.S. code 1692e ( 12 ). I have not validated any alleged debt with RS Clark & Associates and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving RS Clark & Associates any right to collect on this alleged date. It is my belief that RS Clark & Associates is attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from RS Clark & Associates before they committed multiple violated multiple violations under the FCRA and FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S code 1692d ( 4 ) which the FTC defines as debt parking. If RS Clark & Associates can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until RS Clark and Associates can provide me with sufficient documentary evidence that I have the legal obligation to pay them. If this documentation can not be produced and RS Clark & Associates continues its collection efforts I will file for litigation for actual damages caused and RS Clark & Associates will be held criminally liable for aggravated identity theft pursuant to 18 USC 1026A, extortion, theft by deception, security fraud, and mail fraud. Also RS Clark & Associates has committed a violation by reporting this alleged debt as a charge off which is in violation of 15 USC 1692d ( 4 ), advertisement of sale of any debt to coerce payment of the debt.
Consumer complaint received 2024-10-04
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: CITIBANK, N.A. (NY)

I took out a credit dispute many times sometimes XXXX or XXXX within a month. Every time it comes back saying it's completed and XXXX hours or if it's on the XXXX  it's two days coming back saying it's verified again I said how did you verify it they said we don't have that information. I've been disputing this information since XXXX And I get the same results they have nothing to show so I spoke to a manager and explain to him how could this account be closed In XX/XX/XXXX and then the first day of the delinquency is XX/XX/XXXX The manager agreed with me so he is investigating it he said it will be completed in XXXX days which would make XX/XX/XXXX it should be deleted that I have to provide a CFPB report and I'm also including an identity theft report I had the same problem when I disputed this and send this information to the CFPB and I didn't get any results so I'm trying again to submit it this account should be deleted they can't prove that this is a joint account at Citibank which is XXXX 's to prove to me show me a contract or something with my signature and the other so-called person making this a joint account they have not done that they did send something just showing my name the other person name was blank Again I'm requesting that this account should be deleted ASAP
Consumer complaint received 2022-04-06
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. (IN)

On XX/XX/2022, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and sdsay it's mine. According to the FCRA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2022-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My my credit has gone up over 90 points and from a XXXX to a XXXX and I still can't receive a loan I still have the same problems and also they're still the credit reporting agencies are still making it hard for me to get access to my credit file there's something going on with my credit file you have made all these loan companies essential hard for me to get a loan or any kind of assistance. One place says I have fair credit the other says it's poor
Consumer complaint received 2022-07-22
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. (MA)

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information.

The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. Also, they are still reporting outdated addresses which I've asked several times to remove.
Consumer complaint received 2023-05-16
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. (TX)

I asked the credit bureaus to do verification in everything in my credit report and they did, stating that everything was accurate. 

I did a research myself and found improper inaccuracies on my credit report even after they did a careful research.