davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

This is my credit card that I opened up in XX/XX/XXXX 2022. However, I sent a re-investigation request for this account on XX/XX/XXXX2022 through certified mail. XXXX  XXXX is the account name and the account number is XXXX. I have both credit reports from XX/XX/XXXX2022 to XX/XX/XXXX2022 that I have printed. I know, by law, consumer reporting agencies must correct or delete any inaccurate, incomplete or unverifiable information within 30 days. 
I recently got my credit report ( XX/XX/XXXX 2022 ), which is past 30 days now, and it still shows many inaccuracies and violations. A few being " high credit '' showing different numbers for XXXX, XXXX, and Experian. Which is not XXXX XXXX accurate in that case. Another thing for example is the " payment history '' across the XXXX bureaus aren't showing the same. I pay my credit card in full by due date every month since I've had it, but Experian and XXXX are missing the report for XXXX and XX/XX/XXXX2022. And then XXXX is missing my XXXX 2022 payment on history. Last example is " payment status '' across all XXXX bureaus look different in that regard. 

Again I'm requesting monetary relief per violation on this account and deletion of what's inaccurate. Update what's necessary also please. 
U.S. code 1681n ( a ) ( 1 ) ( A ) Tracking Number : XXXX XXXX XXXX XXXX XXXX ( XXXX ) " " XXXX XXXX XXXX XXXX XXXX ( XXXX ) " " XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) " " XXXX XXXX XXXX XXXX XXXX XXXX ( experian )
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

My name is XXXX 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 2022-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

- Have mailed several letters and filed complaints with XXXX regarding erroneous information on credit report. 
- Have requested to be provided with documentation mailed to me verifying debt and has not been provided ( XXXXXXXX XXXX XXXX ACCOUNT # XXXX ). 
- The information ( name ; dates ) regarding this account is repeatedly changed after each dispute in order to maintain its presence on my file.
Consumer complaint received 2022-09-16
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (NM)

My wife and I found a new home and were interested in purchasing. Our realtor advised us to make a strong offer with no contingencies as there were already 8 pending offers on the home. In doing so, we knew we would have 2 mortgages for a period of time until we sold our current home. Our offer on the new home was accepted and we began the process of obtaining a new loan. My wife and I are both veterans and decided to use my wife 's VA benefits for this loan as she had not previously used them. We were nervous at the thought of having two mortgages, but both our realtor and lender advised us of the option to " recast '' our new loan after we sold our current home. We asked about this several times throughout the loan process and were told every time it would not be an issue to do the recast and we would be informed of the process. We closed on the new home in XXXX of XXXX and began the recast process. After numerous inquiries, our lender, Guaranteed Rate, LLC, finally sent us all the paperwork and documentation stating the adjusted mortgage loan payment for the lump sum amount we would send in. We completed all of the paperwork as directed and sent it in, along with a {$300.00} processing fee. Within a few weeks, we received notice we were not able to recast our loan, as it was a VA loan. After going through this process for 2 months, asking questions, following all directions explicitly, we are stunned and angry our recast was not approved. Guaranteed Rate, LLC, has applied our {$390000.00} lump sum payment from the sale of our previous home towards our new loan, however, the monthly payments have not been changed as we were promised. Our lender from Guaranteed Rat, LLC - XXXX XXXX, is a Vice president at the company and as such, we assume is versed on all lending policies, or at least have the resources to verify information. His response was to attempt a refinance of the loan at our cost. This is not acceptable to us as this was not our error. We have previously attached all the paperwork we received for the recast process, including the initial approval and recast of the loan, to the money sent, to the denial letter. They are available and I will resend them if required.
Consumer complaint received 2022-09-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (IN)

XXXX XX/XX/XXXX I requested a forbearance from my mortgage company XXXX Mortgage. In XX/XX/XXXX I called them to let the know that I was in a position to start resuming my payments, and needed to speak with someone about an exiting plan. They informed me I needed to pay {$1400.00} for a 3 month period as a trial basis with a lowered interest rate, and said nothing to me about anything else. A couple months passed and I received a letter in the mail saying my mortgage had been sold to another company Freedom Mortgage. In XX/XX/XXXX I called Freedom Mortgage, who then informed me they were sending me a loan modification package in the mail. Once I received it nothing in there was anything anyone had ever discussed with me. I called Freedom to discuss this issue with them, and to go over what was discussed originally about any overdue amount being deferred. Freedom Mortgage denied and completely refused to assist me in any way to go that route with my package when that was the original plan of executing it to begin with. As I looked through their package it even has the XXXX plan on there and the payment plans are completely different that what Freedom came up with. I questioned Freedom about why they accepted an incentive payment from one of the big mortgage brokers if it was in my best interest instead of theirs and their actual services relationships interest. They said the incentives that were showing on my statement for {$500.00} they were crediting to my acct. but I didnt see and subtractions off my balances anywhere. Along with those 3 payments made to XXXX as well. After countless inquiries with no answers and earlier off the wall responses that seemed more like blatant lies, Ive lost trust and any faith in this financial institution to do the moral thing when going about normal everyday business practices.
Consumer complaint received 2022-09-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (FL)

On XX/XX/2022, payment was made to MidFirst Bank, regarding Account XXXX, held on the books of Midfirst Bank, by way of Registered Mail # XXXX XXXXXXXX XXXX XXXX XXXX, in an effort to satisfy the the Obligation. 

Pursuant to the uniform Commercial Code ( UCC 8-505 ), with MidFirst being a Securities intermediary, they are obligated to the Entitlement Holder for a payment or distribution made by me being the issuer of the Financial Asset. 

It is the duty of Midfirst to settle the obligations and provide notice to the Secured Party. Payment has been made via a Negotiable Instrument for the full satisfaction of the alleged debt. Please UCC 3-104. 

I need this Company investigated to get to the bottom of this matter. They have received payment and yet the account is reflecting a balance due and this account is being erroneously reported on the account credit report. This action meets the element of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida. XXXX XXXXXXXX thank you
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (TN)

On XX/XX/2022 - I found an airfare on the Chase.com rewards site and called their travel rewards number so a rep could assist in booking. I picked a fare that included the ability to cancel within 24 hours and rebook, which was called Business Flex as opposed to Business Classic, on XXXX as the secondary carrieXXXX. However, despite the fact that XXXX could get me to XXXX without a problem, they wouldn't allow me to board from XXXX to my final destination, with my cat. So, I called Chase, the next morning and worked for at least 3 hours, with a rep named XXXX, at their Help Desk, to no avail. I had to cancel, so I could find another itinerary. The new rep told me that they were going to refund my points, but not the money for 2 " billing cycles '', i.e. 2 months. This is theft. They are leaving more than {$4000.00} on my credit card as if I had kept the ticket. I had to ask Chase to increase my credit limit so I could rebook, but they have stolen over {$4000.00}. I picked a fare that was {$6800.00}, applied XXXX points that I had been saving for years, and used my Chase Saffire card ( which I also pay an annual fee for ) to pay the difference. 

Any other transaction would have required a refund. What Chase is doing is theft!
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On my credit report is a lot of inaccurate information such as names, addresses, and employment and inquiries. 


XXXX, XXXX, Transuion Subject : Dispute of Inaccurate Information and Inquiries on Credit Report I am writing to formally dispute inaccurate information and unauthorized inquiries reported by your company on my credit report. Specifically, the following items are incorrect : 1. My name is not XXXX XXXX. This is inaccurate 2. XXXX XXXX XXXX XXXX Louisiana is not my address. XXXX These items are inaccurate and misleading. I kindly request that you investigate this matter and correct or remove the incorrect information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please confirm in writing once these inaccuracies have been corrected. Attached are copies of my credit report and any supporting documentation relevant to this dispute. 

Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2022-07-15
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: Bridgecrest Acceptance Corporation (GA)

Account number XXXX XXXX XXXX XXXX per statue 15usc these items are reporting in error. 






Account number XXXX BRIDGECREST
Consumer complaint received 2022-07-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP (FL)

I, like everyone else, was negatively impacted by the COVID pandemic. I called my lender and entered into a forbearance. At the conclusion of the forbearance, my lender sent me a trial plan and I signed and returned it. I started making my trial payments in XXXX. The trial plan should have ended after my XXXX payment. It did not. Calls were made to my lender asking for the documents. At this point, I was still paying the trial modification and had no agreement in writing about where the money was going or any terms. These questions were met with " we are behind, the VA is behind, we are working on it ''. The calls where I was told there was no problem and everything was going just slowly were on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX. Every one of those calls were reassurances that the documents were being drawn up. Today, on XX/XX/XXXX I was told the file was just sent to the VA on XX/XX/XXXX. This now makes the situation worse. After months of being told to trust my servicer that they were doing everything correctly, that was untrue. The same people that misled me for months are now collecting monies with no written agreement. If they have been dishonest with speaking with me, I do not trust them when they tell me they are using my XXXX trial payments to pay back the loan. There is no agreement, they have not sent me anything with any terms or any explanation of what I am paying or where it is being credited to. I do not trust my mortgage company. Today, a representative, XXXX, advised that I am paying the mortgage, however my trial plan payment amount is not the same as the recorded mortgage.
Consumer complaint received 2024-09-24
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: EQUIFAX, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

To Whom It May Concern, I looking at my credit report, and I noticed errors with my personal information, misspelling of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not XXXX XXXX sure how it's here, and how you can mix such files. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

Listed below are the Personal Information that are being challenged : Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX
Consumer complaint received 2024-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute the inaccurate information appearing on my credit report, specifically regarding a closed account with an inaccurately reported balance. According to 15 U.S.C. 1681 ( Fair Credit Reporting Act ), I am entitled to have accurate information reflected on my credit report. Please consider this letter a formal dispute of this inaccurate information. The account in question is listed as XXXX XXXX. This account was closed ( XX/XX/year> ), and the balance should have been updated to reflect XXXX at that time. However, my credit report reflects an incorrect outstanding balance, which is adversely affecting my credit score and overall credit standing. It also includes misleading and inaccurate information reported between the three credit bureaus. Under the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation to ensure the accuracy of reported information. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are obligated to provide accurate data to the credit bureaus and must correct any inaccuracies once they are notified of an error. I am requesting the following : A prompt investigation of this closed account to confirm the accurate balance of {$0.00}. Removal or correction of any inaccurate information regarding the balance on this account. Written confirmation that these changes have been made, or a statement explaining why the reported balance was not updated following the account closure. Please update my credit report to reflect accurate information, and ensure that all credit reporting agencies receive the corrected data. Thank you for your attention to this matter. Please notify me promptly once this dispute has been resolved. I may be reached at ( XXXX ) for any additional information. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-10-27
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)

When I searched for my name on the Internet, I discovered that some of my personal information was being utilized without my permission. My information was acquired by an aggregator website, which advised me to check the website 's FAQ section before contacting approximately XXXX separate websites. I felt humiliated by the fact that I had to request that my belongings be taken, as I value my privacy. I discovered unauthorized fraudulent accounts on my credit report ; I would like these accounts to be removed and rectified. Remove all fraudulent and negative accounts from my credit report. This has impeded my capacity to obtain credit. I am making every effort to regain control of my life. Please help me eliminate all fraudulent accounts. Please inform me of any additional steps that can be taken to remove these accounts from my report.
Consumer complaint received 2024-09-24
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: EQUIFAX, INC. (NY)

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX and XXXX XXXX XXXX, XXXX, NY, XXXX
Consumer complaint received 2022-09-13
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: Experian Information Solutions Inc. (VA)

My ex-husbands current wife has used my personal information ( DOB and SSN ) to divert purchase rewards and coupons from the retailer XXXX to her own address, dating back to circa XXXX. I believe the issue is resolved with the retailer, but since that time, incorrect information has appeared on my report. Most recently, yesterday I tried to buy health insurance via the marketplace and was locked out due to answering background questions incorrectly. The brokerage agent who helped me suggested that since this other person has used my SSN in connection with her address, it has confused the credit reporting bureaus and messed up my information. Im not sure the extent to which she has done this, as she continues to have access to my information. Id like to know how to disentangle my credit info from theirs and avoid this happening in the future.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

This company is committing FRAUD. When I went on a trip in XX/XX/XXXX - XX/XX/XXXX, I called XXXX  to set up international calls when I arrived. The XXXX   from the XXXX that I spoke to assured me that they had set it up. I requested Global Travel Pass ( GTP ). The XXXX  said this was not an option and that I had to do the roaming. She said my only option was roaming and not the GTP. So I accepted what she told me as the truth. She assured me that she had set it up. So I was charged {$140.00} for one day, instead of {$10.00} a day for the GTP. I called the following morning and spoke to a XXXX  from XXXX who told me to just leave the roaming the entire 1 week trip and call when I get back to change to the GTP and that XXXX  would just remove the daily charges and only charge me {$10.00}. Both of these calls were on a recorded line. I told the XXXX  that I would not do that. He said it would not be possible to change to GTP because I was already in the country. I made him set up GTP and he was able to immediately set it up. So now another XXXX  representative has LIED to me on a recorded line. XXXX listened to the first call and claimed that I was given accurate information and that it was my fault so they would not remove the charges. It is clear that XXXX  is LYING and committing FRAUD with these charges. 

I will not pay this collection. This collection is FRAUD and I have a lot going on so I'm not spending my money on a FRAUDULENT charge. XXXX violated my rights. 

In accordance with the Fair Credit Reporting Act. XXXX ( Account XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 15 U.S.C. 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 section 604A states a consumer reporting agency can not furnish an 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. 1681 S-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.