davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-04
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. (AZ)

I recently checked my Credit Score and noticed it was a lot lower than I thought, upon reviewing my Credit Report, I noticed there were items reporting to my Credit that I did not open myself and that there was incorrect information reporting as mine. I sent in proof of my identity, I have made calls, I even filed a report for identity theft. The items still haven't been removed.
Consumer complaint received 2022-02-15
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. (NC)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. As I reviewed my recent report, I have found an erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for the stated item below : XXXX XXXX Balance {$0.00}
Consumer complaint received 2021-09-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (IL)

I requested a recast of my loan and a refund of my mortgage premium since I have paid down more than 20 % of my mortgage. I contacted Fha counselor and was told that " You ( I ) must meet/have met minimum principal reduction standards ''. If this is done Rocket Mortgage has a duty to recast. I was refused that right to have a recast. Fha referred me to this agency for remedy.
Consumer complaint received 2021-03-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

On XX/XX/2021, I sold my home. On XX/XX/2021, XXXX XXXX XXXX XXXX sent certified funds in the amount of {$130000.00} to Carrington to payoff the loan in full. Carrington received those funds on XX/XX/2021 via XXXX over night mail. On XX/XX/XXXX, Carrington sent the funds back to my title company with no explanation as to why the funds were being returned. The XXXX label stated that it is being returned to shipper as receiver did not order, refused ( Original receiver : Carrington Mortgage Services ). I have spoken to Carrington multiple times and they do not show that they ever received the funds to payoff my loan nor that they were ever returned. The representative also advised me that they will not accept the original funds and that the additional months interest is now due for the month of XXXX. They refuse to work with me to payoff my loan as it was the fault of Carrington that my funds were returned. 
The return funds did not reach my title company until XX/XX/2021, an entire week after the funds were sent to them to payoff my loan, therefore has now caused me to have a 30 day late on my credit report as the loan needed to be paid off in the month of XXXX. In addition, I now have to pay an additional months interest for XXXX, as this is an FHA loan. I do not feel that any of this is any fault of mine and that I should not be responsible for paying the additional months interest nor should I reported to the credit bureaus with a 30 day.
Consumer complaint received 2022-02-15
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: Experian Information Solutions Inc. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

in accordance with Fair credit reporting act 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 also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting Act the accounts as followed XXXX  Account Number XXXX XXXX Account Number XXXX XXXX XXXXXXXX Account Number ( Opened XX/XX/2018 ) XXXX ALL have violated my Rights 15 U.S.C. 1681 section 602 A. States as follwed " I have the right to privacy '' 15 U.S.C. 1681 section 604 A Section 2 states as followed " A consumer reporting agency CAN NOT furnish an account WITHOUT my written instructions '' Instructions on which I NEVER gave to any reporting agency
Consumer complaint received 2022-11-18
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: Experian Information Solutions Inc. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-06-10
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX- Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXXXXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, and XXXX  - Account # 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 2021-12-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX According to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. otherwise, anyone paying your reporting services could fax, mail, or email in a fradulent account.I demand to see verifiable proof ( AN ORIGINAL CONSUMER CONTRACT with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. under the FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF ARE UNABLE TO PROVIDE ME a copy of verifiable proof, you must remove the accounts listed below. 
I Demand the following accounts be verified or removed immediately. 
XXXX. INQUIRY : XXXX XXXX  I ( INQUIRY XXXX ) XXXX. INQUIRY : XXXX XXXX XXXX INQUIRY XXXX ) XXXX. INQUIRY : XXXX XXXX XXXX  INQUIRY XXXX ) XXXX. ( Account name XXXX XXXX XXXX XX/XX/XXXX Account number XXXX Account type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Updated. The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
XXXX Number XXXX Date Generated XX/XX/XXXX >Please remove all non-account holding inquiries over 30 days old. 
<Please add a XXXX Suppression to my credit file. 
<Please remove all accounts that are no XXXX XXXX COMPLAINCE. 
PLEASE NOTE THAT YOU HAVE 30 DAYS TO COMPLETE THIS INVESTIGATION, AS PER THE Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). be advised that the description of the procedure used to determine the ACCURACY AND COMPLETENESS OF THE INFORMATION IS HEARBY REQUESTED AS WELL, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, INCLUDING YOUR METHOD OF VERIFICATION. I DO NOT CONSENT TO XXXX XXXXR ANY MEANS OF AUTOMATED VERIFICATION.

Failure to respond satisfaction within 30 days of receipt of this certified letter may result in small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of Fair Credit Reporting Act 4. ) Financial XXXX
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TD BANK US HOLDING COMPANY (TX)

I purchased a XXXX treadmill on a promotional 12-months 0 interest through TD Bank. I paid the card on time and within the12 months. In addition of TD Bank posting the account as paid in full, they reported me as DECEASED. I wouldn't have known this except I was trying to get a mortgage and my bank told me that Experian and Equifax showed me DECEASED based on TD Bank 's report. I called TD Bank and they told me that they even had a death certificate on file for me! I called multiple times for them to remedy this. I called XXXX and XXXX also but I could not prove to them, to their satisfaction, despite answering all their questions to my identity, that I am in fact ALIVE! I was unable to get the mortgage due to these errors on my credit report and the inability or unwillingness of these companies to correct their errors.
Consumer complaint received 2020-04-25
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. (OH)

XXXX  XXXX XXXX XXXX Account Opened XX/XX/XXXX Balanced Owed {$1600.00} Account Number # XXXX XXXX  XXXX Account Opened XX/XX/XXXX Balanced Owed {$430.00} Account # XXXX These accounts do not belong to me, and I have tried to dispute them. 


These inquires below do not belong to me either XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XXXX/XXXX  XXXX  XX/XX/XXXX XXXX  XXXX   XXXX XXXX/XXXX
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a Capitol One credit card that is set up for automatic payment for the balance in full. After opening a new primary checking account with XXXX a Capital One representative advised me to denote it as the primary account from which payments would be made ; this was to be marked with a star. 

Despite the change, Capitol One deducted a payment from my old bank account ( XXXX XXXX ). The left the XXXX XXXX in an NSF position. I was charged {$35.00} and received additional notification from XXXX XXXX that the payment was not made. Moreover, my credit worthiness with XXXX XXXX has now been impaired. 

I contacted XXXX by phone, waiting 35 minutes to speak with a representative. The first person with whom I spoke had no idea how to handle the situation, so I asked her to escalate the call. I was then connected with somebody by the name of XXXX, a supervisor ( who later stated there was no person higher than him to whom I might escalate the situation ). 

Having explained the problem to XXXX he said he could not view my account dashboard and was not aware that a primary payment account is denoted by a star. Moreover, he stated that he would not assist me as the situation was solely my fault. XXXX stated that I should have cancelled my auto payment from XXXX XXXX and set up a new auto payment from XXXX. Moreover, he told me my Capitol One account is now is now past-due. Again, this affects my credit rating and also comes with a hefty interest rate attached to the balance that would have been paid in full had Capitol One taken payment from the primary bank account noted on my dashboard. 

Also note, Capitol One deducted payments from my XXXX XXXX account in XXXX and XXXX, but not in XXXX. And they did not deduct payment from my XXXX account in XXXX. 

Prior to this mess I had a credit rating above 800, no late payments and a spotless history with XXXX XXXX, XXXX and Capitol One. Now everything is a mess. 

Making matters worse, XXXX would not assist further and ended the call. This has left me in the position of not knowing how to proceed to rectify the situation.
Consumer complaint received 2022-02-22
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. (VA)

On XXXX XXXX 2022 I sent letters reguarding inaccurate and unknown items in my credit report to this day over 27 days later I have not recieved a response yet. I feel I am being taken advantage of as well being ignored for my disptues. In Scetion 611 ( a ), it states that a failure to investigate these itmes within 30 days gives a reason for immediately removeal of these itmes from my credit report it has been XXXX days and i have yet to hear anything. So these Items should be deleted promply. I request that these items be deleted immediately or I will file litigation due to the stress I have been caused by having false inaccurate infromaion reported on my credit report. I was also impacted by the XXXX data brech and may have gotten into the hands of the wrong person
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

A Refinance Mortgage Application was completed on XXXX XXXX through Bank of America 's online portal and it asked the type of mortgage we were interested in and we indicated we were interested in a refinance loan with a cash out option. Bank of America pulled our credit reports after completing the application. We were then instructed to contact Bank of America for more information. Once we spoke to the loan representative over the phone, he stated since the current mortgage is not serviced by Bank of America, we were not able to apply for the cash out option, only the refinance rate option. This information is not on the online application that you have to be an existing Bank of America mortgage customer in order to apply for the cash out option. This was a hard pull of our credit which will affect our credit scores. This information should have been made very clear before applying. This is not acceptable and this information needs to be made more transparent during the application process.
Consumer complaint received 2024-09-05
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: Freedom Mortgage Company (NJ)

I have been in contact with Freedom Mortgage every month since XXXX of XXXX trying to resolve an issue with the discrepancy in the monthly payment amount on my monthly statement versus the monthly payment amount listed on my escrow. I have spent numerous hours on the phone with representatives trying to resolve this issue. I can never have a single point of contact about the issue. The representative will eventually see that they are not able to resolve and will let a request but nothing is being resolved. I gave keyed request myself on the website but the responses are not answering the question. The following statement was their last response sent on XX/XX/XXXX : " This letter is to confirm that we have addressed all of your concerns on XX/XX/XXXX after speaking with a Customer Care Representative '' I called and the representative had no other information. I keyed a reply snaking for details. Freedom Mortgage us proceding with the foreclosure process. I would like to resolve this issue.
Consumer complaint received 2022-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT- 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 2021-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have over-draft privileges at the Bank of America yet one of my checks was dishonored by a merchant who then charged me {$35.00} for the dishonored check! 

I have repeatedly complained to the Bank of America that it does not honor my overdraft privileges. 

I have repeatedly complained to XXXX XXXX XXXX, Bank of America, XXXX, New Jersey and to his branch manager. 

But still the Bank of America does not abide by my overdraft privileges. 

THEREFORE, I am commencing a lawsuit for {>= $1,000,000} for the severe damage done to my credit standing with that merchant who now refuses to accept any of my checks. 
This lawsuit shall be commenced in both state and Federal court! Plus interest. Plus court costs. Plus the other costs of the litigation. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PS : Complaints shall be filed with Congress, The White House, and the Comptroller of the Currency. And with the XXXX XXXX XXXX XXXX as the Bank of America is listed on it under the stock symbol BAC
Consumer complaint received 2020-04-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

On or about XX/XX/2020, Freedom Mortgage made a payment to our county tax office for property taxes for {$3000.00}. The amount they should have paid is {$720.00}. This amount is approximately 2 1/2 years of property taxes, and as a consequence, this action, our escrow account is way overdrawn. Also, I am due a refund for the escrow account overage in the amount of {$2800.00}. This has not been refunded to me as well. As a consequence, Freedom Mortgage has caused me to sustain a loss of {$5100.00}. Phone calls to their customer service office yield no results.
Consumer complaint received 2022-06-28
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. (NY)

Problem having with XXXX, Equifax and XXXX they are reporting these Two Fraudulent accounts on my credit report listed below : XXXX XXXXXXXX XXXX Account : XXXX and XXXX XXXX XXXX  XXXX Account : XXXX Also Name Reporting on my credit report is also wrong My legal Name is XXXX XXXX I do not want any other names reporting on my credit report
Consumer complaint received 2022-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
INACCURATE NAME : XXXX, XXXX, XXXX XXXX : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX TO XX/XX/XXXX
Consumer complaint received 2022-02-15
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)

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact being relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. ( XXXX XXXX Bank ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from date of the receipt of this notice.
Consumer complaint received 2020-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I have has an incorrect collection account removed previously on two separate occasions. It has reappeared on my Transunion report and they failed to remove it with my last dispute. This account is an error listed from XXXX and as a single woman who raised two kids by myself, it has caused me hardship and I may never own a home despite working my entire life. They also have me listed with the last name XXXX under personal info but I have never used that last name. In addition, I would like to know if anyone has investigated this company for bias towards women.