davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-13
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things 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. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX
Consumer complaint received 2020-12-18
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. (MA)

Dear Escalation Management Team ; See the attachment. It's impossible that this account was ever trufthfully verified. DELETE please, it's a ghost account. 

Im still extremely concerned about the way this account is still reporting on my credit profile. Its impossible that your agency truthfully verified this account below because as you can see on the screenshot, there are several inconsistencies in the way this account is reporting between XXXX  and Equifax. Its my understanding that the account needs to report 100 % accurate, 100 % timely, and 100 % verifiable. Not only this account passed the statutory mark of reporting base on the date of last activity, but the inconsistencies between the 2 credit bureau is by far incorrect, and incomplete. As you can see, the DATE OF LAST ACTIVE for XXXX  is XX/XX/XXXX, but Equifax shows XX/XX/XXXX. There is 4 years apart and also the payment history shows different than the actual DATE OF LAST PAYMENT of XX/XX/XXXX and XX/XX/XXXX. This is incorrect, and its a ghost account. It must be deleted from my credit report as its illegally re-aging my credit. 

Again, I demand that this account from XXXX XXXX XXXX XXXX be deleted from my credit report immediately and I want a new credit report sending to me reflecting the deletion. THANK YOU!
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (MS)

Purchased card approx 2 weeks ago, value {$20.00}, at XXXX XXXX in XXXX, MS . Tried to activate card online, using app on phone and by calling, no method works. Have repeatedly called company and been on hold twice for 1 hour plus and other times been told company can not take call. Can not access the $ which I urgently need and company does NOTHING
Consumer complaint received 2019-08-03
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. (GA)

I've been pretty consistent with paying my bills on time. I'm saying this becuase I went to XXXX XXXX the other day and applied for an account I got approved with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a could of items that are not mine. I have reached out to the FTC and to my local police department. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX AND XXXX. There are also some inquries on there that are not mine either XXXX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX  XXXX/XXXX and XXXX XXXX/XXXX. I am doing all of this on my own behalf.
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX at XXXXam I received an e-mail from Bank of America stating that I was approved for a 'Bank of XXXX XXXX XXXX Banking Account XXXX XXXX 

I did not submit an application for this account. I called Bank of America immediately and connected with the Fraud Department. They were able to close the account.
Consumer complaint received 2022-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my credit file, incorrect information was found 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 are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (TX)

XXXX  is allowing a unverified debt to be posted to my credit report. XXXX  and Wells Fargo have not supplied documentation to prove I own this debt. 
Wells Fargo submitted a fraudulent unverified debt to the credit bureaus under my profile. 
Wells Fargo is fraudulently trying to collect on a debt that they do not have documentation to prove I owe. 
The documentation Wells Fargo has is a copy of a invoice that has a digitally imposed signature which does not match my Actual hand writin signature. Wells Fargo also supplied a proposal and agreement document as proof of the debts ownership. The documents does not have my actual signature any where on it. Again this is not my debt and no verification has been provided otherwise.
Consumer complaint received 2022-04-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Follow up the complaint - XXXX - closed case Rushmore has responded the CFPB complaint and provided the response letter dated XX/XX/2022 and directly addressed to my name XXXX XXXX XXXX from Customer Correspondence Department and the contact number, is XXXX. 

I found that their payoff loan amount is unreasonable - I have attempted to reach out to Rushroom multiple times for the payoff amount ( the contact phone number - XXXX ). They claimed that I am not the authorized person, they can not disclose any data. However, I have received the letter and addressed it directly to my name, " XXXX XXXX '', they claimed that they don't have any record in their file and could not discuss the loan and then hang up my call. ( the conversation was with XXXX XXXX XXXX. So I have no other option to follow up the loan, this is the only way i can communicate the discreprencae loan amount through CFPB. 

The total payoff amount is {$200000.00}. However, there is included 1 ) Escrow Advance Balance {$15000.00}, ( I am paying the HOA fee, homeowners insurance, property tax - no outstanding due ) 2 ) Late Fee balance {$1100.00}, 3 ) Property Inspection {$15.00} 4 ) Corporate Advance balance {$1500.00}
Consumer complaint received 2022-04-08
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. (NJ)

XXXX  XXXX received my tender of payment on an account, kept it ( theft and fraud ), didn't credit my account, closed all 3 of my XXXX  XXXX accounts, added late charges and reported incorrect balances on my consumer report. XXXX  XXXX dishonored a lawful tender of payment. 

XXXX XXXX is in violation of 15 U.S.C 1691c ( adverse action against a consumer )., 15 USC1691- Adverse Action and discrimination against me, 15USC1681 ( S ) ( 2 ) - Willfully reporting inaccurate information to a consumer reporting agency. XXXX XXXX kept my payment and didnt apply it to my account.18 USC CHAPTER 47- Fraud and false statements I am aware and know that any transaction to discharge debt liability is in accordance and compliance with UCC 3-104, 3-311, 3-603, 3-415, 1-304 and that any documents transmitted on behalf of the debtor to discharge debt liability on behalf of the debtor are in full accord with HJR 192 ( June 5, 1933 ), Public Law 73-10, UCC 3-419, 3-11, 3-603, 3-415, 1-104 and 10-104/2A-104. 

I have been met with resistance in a matter that shouldn't be this hard to remedy. If federal laws are not upheld I will initiate the litigation process against XXXX XXXX.
Consumer complaint received 2020-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group (CA)

On XX/XX/2020, I spoke with XXXX about the wage garnishment refunds owed to me since the signing of the CARES Act. XXXX was unable to provide any information about when the other refund checks would be sent or why they have not yet been sent.
Consumer complaint received 2022-04-08
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, The Bank of XXXX Account XXXX XXXX XXXX XXXX Account # XXXX , XXXX XXXXAccount # 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 2020-12-18
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 am bringing this complaint forward as I have contacted this credit bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. 
The accounts are listed here below : XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Dear Sir or Madam : This letter serves as my formal complaint against the abusive debt collection practices of Midland Funding LLC - XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX, NC XXXX - XXXX. 

Three months ago, Midland Funding LLC began the following abusive practices in violation of the Fair Debt Collection Practices Act : Refusing to validate said debt via the FCRA ( 30+ days. No Response ) ( 2 ) Illegally placing said collection on my personal credit report ( with the 3 MAJOR credit bureaus ) ( 3 ) Sending me documents claiming that I owe {$1700.00} when I actually owe {$0.00}.

( 4 ) Illegal collecting debts in the State of North Carolina w/o a license
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NE)

Someone opened an account on XXXX and used my identity to pay an item on XXXX in a totally different location. I called XXXX and XXXX and they confirmed about the transaction. The person that used my identity presented ID card with my name to pick up the item they bought. XXXX did not cooperate with me I field 3 time a report and they keep saying it take 3 - 5 days to get a response. I never received anything like that rather only to pay the loan under my name. I am reaching to you because affirm filed a credit report and now my credit score dropped and I see it on my Experian account. I filed police report, locked my credit file and changed the passwords to my accounts.
Consumer complaint received 2022-04-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (IL)

We are attempting to close on mortgage in XXXX, NC that was slated for XXXX. We flew into XXXX at that time to close but was delayed. Many issues with lender completing timely tasks. Prior to the closing being delayed, it was suggested to pay down certain debts to increase XXXX XXXX. It was suggested to refi truck into husband 's name only to help with XXXX. It was then suggested he be added to the loan but not include his income. I was told in after fact that his credit score increased our rate and we would then have to buy down points. Appraisal with company came back $ XXXX under market value after it was delayed due to lender submission or confusion.. Lender did not send for title clearance in timely fashion due to his error of incorrect email address when typing. It was suggested a rate increase to add my husband and then to buy down almost $ XXXX to have rate that was already locked in at 4.5 %. Attorney was sent the okay to execute close but never got final papers. Delayed closing still. Buyer or we were told to send the {$17000.00} needed to close but not actually closed. Lender was not responsive to our attempts to speak with them. They justified moving to another XXXX without our approval which complicated dynamics more. New XXXX states we are not able to sustain employment out of state and pose as risks. This was after they checked my website and assumed I did not work actively in telehealth. They were corrected and still suggested that I have employees to pay. I have contractors XXXX who are reimbursed for the work they do. It appears things are off and our home with not close without them adding more fees and reconfiguring CDs that were signed to close XX/XX/22. We had due diligence money money of {$11000.00} at risk due lender stalling and switching dynamics suggesting my business is accurate, effective or can sustain in North Carolina. I have active remote work in MO at this time and working to secure NC license with Background check pending. Combined we have {$11000.00} due diligences, {$17.00} closing costs, $ XXXX credit card and $ XXXX for taxes that had to be accounted for to close a loan that never closed. If wanting the entire thread of emails or text, pleas let us know. Thank you. Respectfully, XXXX XXXX
Consumer complaint received 2020-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This is a complaint about Transunion Inc. I sent out a dispute letter on XX/XX/2020. Transunion received the dispute letter and sent me a letter stating, we recently received a request that included your information, but it didnt appear that you or a properly authorized third party sent it to us. This is not accurate. I sent Transunion a Notarized dispute letter claiming that they need to verify my accounts. I called them the same day I received this letter on XX/XX/2020. Not only did I wait on hold for 2 hours, they picked up the phone and then proceeded to put us on hold for another 45 minutes. After waiting the extra 45 minutes, Transunion had already closed for the day. The customer service was horrible. I proceeded to call back the next day XX/XX/2020. I talked to two people, XXXX and XXXX. They didnt want to talk about the dispute letter I sent out and they were very rude. They are using red lining tactics by holding inaccurate information on my credit report. I cant get through to dispute and remove this information. This is violating the FCRA and my right as a consumer.
Consumer complaint received 2022-10-08
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. (OH)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-08
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. (VA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2019-08-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

The paperwork said the Seller gave a gift equity of {$50000.00} to the buyer. This is not correct. Now the seller owes {$28000.00} in taxes gor the {$50000.00} so called gift that was never given. The person doing the Lending paperwork did not explain the process and falsified amounts.
Consumer complaint received 2022-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (IN)

XXXX XXXX XXXX XXXX, FL # XXXX This is not an owed debt. During our lease the upstairs apartment flooded into ours causing major mold issues. We all ended up having to move out early and sleep elsewhere for our health. Still with us having to do this we paid our lease in full to the end date XXXX and always paid on time or early every single month. Not once were we late. Many work orders were made due to the mold that was constantly " cleaned '' or " taken care of '' that would immediately come right back. We then got sent a final bill that billing said they were taking care of with management and waiting on them to respond. I had to contact them for months when this first happened. I was under the assumption it was handled until yesterday when I got an email from this debt collector. This money is not owed to my knowledge. If anything we should be owed for our deposit we never got back when we left the place looking better than when we moved in, the mold kits we had to buy to cover ourselves in the event this would happen, the roach products we had to purchase constantly, the months we couldn't even stay there from the mold and flooding. We never asked to be credited for any of those so it's very disappointing that this is happening. I have contacted the XXXX  in regards to this as well. The apartment was unlivable and we got very sick. I have attached photos of the mold as well as our mold kit results. Also the mold was coming up from carpets that also shows in the work orders with management. The carpet was left the exact same way as when we moved in except for the mold spots that was coming from underneath that I can not control. We spent months trying to get this resolved, thought it was, but clearly never got resolved. I called the debt collector to get an itemized statement. She immediately asked for my social and I said I am not giving that out over the phone. She signed real loud then transferred me to another lady and she asked for it again and other personal info and I was like Im not giving that out and the second lady yelled " yeah she already told me '' then just started literally screaming " have a nice day '' over and over again. They already have my email and was just asking for an itemized bill to be sent to the same email they already have but refused because I would not give them my social number. Please help! Thank you!
Consumer complaint received 2022-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-08
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.