davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are  required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, oh XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I have not received any confirmation on how you have verified the alleged accounts attached in my Exhibit of the credit report and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would proudly present in court if needed as supporting evidence of my trying to rectify the subterfuge that you are reporting
Consumer complaint received 2018-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MI)

My Mortgage account was paid in full on XX/XX/2018. However, an automatic monthly payment was processed on XX/XX/2018 for an overpayment amount of {$1300.00}. I have called Ditech to resolve this matter and spoke with representatives and supervisors. Every time I called they explain about a different process to issue a refund check, which is not a consistent explanation. Recently, I spoke with supervisor XXXX on XX/XX/2018 XXXX ET, who promised to overnight the check and call me to confirm. Today is Tuesday XX/XX/2018 and no call nor an overnight check has been received. I called and spoke with XXXX and lead XXXX. They indicated that XXXX was ill and out of the office for 2 days. On XX/XX/2018, XXXX added he will take care of this matter. XXXX acknowledged that I have called several times and nothing was done. He will follow up and call me tomorrow XX/XX/2018 at XXXX ET to get this finalized and find out where the disconnect is. Keep in mind they do have my correct mailing address, telephone number and email address. Today is Thursday XX/XX/2018 and I have not received any response from anyone at DItech. At this time I have lost confidence in Ditech, please help me to expedite and get my money back {$300.00}
Consumer complaint received 2022-11-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (CT)

1. According to contract Law, US. BANK has no right to collect on this account. They do not have the original promissory note. 

2. Promissory note is false. 

3. It is stated that we have received funds from a lender. We do not have any records of a {$190000.00} check deposited in our bank account at time of purchase. 

4. Im reporting Fraud on a loan that U.S BANK is looking to foreclose through XXXX, XXXX XXXX XXXX XXXX and whomever working on the case : XXXX
Consumer complaint received 2018-11-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC. (CA)

First off I would like to say thank you for taking the time to look over this. 
We started to fall behind on our mortgage is XX/XX/XXXX. During this time we faced a tragedy. My husbands father was kidnapped and XXXX   XXXX  going into XXXX. We had to fly to Texas which is where his mom and sisters live to help them through this difficult time. He was found one month later in the XXXX XXXX desert XXXX  and XXXX. Being the oldest we had to help his mom and sisters get through this tough time, helping them get back on their feet and paying for the funeral expenses as well as other miscellaneous things. Coming back home was tough, we came back to bills piling up. Trying to provide for our daughters while continuing daily life and catching u with everything else, to say it was difficult is an understatement. We had been trying to come up with the funds once the NOD was submitted but we found ourselves in a much deeper hole than we anticipated. During the time we were first trying to reinstate I was diagnosed with XXXX  XXXX XXXX. Our lives went from what we thought was tough to what we are faced with now. I am still currently undergoing treatment but despite that our goal was to reinstate our home, in case anything happened to me my daughters would at least have a roof over their heads. We set up a XXXX page where we were able to raise {$43000.00} and I was able to get a {$6000.00} loan from a relative. A few days before the sale I requested a reinstatement quote so that we could see how far off we were. They stated that they could not provide one because it was tooo close to the sale date. I continued to try to contact XXXX XXXX XXXX XXXX XXXX but they refused to speak to me. The day before the sale I contacted New American funding in hopes to postpone the sale as the funds from the XXXX page where not readily available in my bank account but would be within 14 Days. New American funding refused to postpone the sale. I once again asked for a reinstatement quote which they finally provided on XX/XX/XXXX at XXXX XXXX  the day before the sale. The day of the sale we were persistant in trying to postpone the sale, but even after showing them that the funds would be available soon they went forward with the sale. Today it has come to my attention that the 3rd party buyer was a company called Broker Solutions INC, well I looked them up and it just so happens that their DBA is New American Funding.our lender. That to me seems lik, e a conflict of interest and something that needs to be looked into. They sold it for exactly what was owed and now they can evict us and make a profit on it. 

Once again I would like to thank you for taking the time
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

My credit score has dropped by XXXX points because they miscalculated my XXXX balance as having {$260.00} but it was {$0.00}. This happened on XX/XX/XXXX and XXXX ( XXXX and XXXX ), days after I paid it all off. XXXX posts only on the XXXX of each month. I have paid it all off on XX/XX/XXXX. My credit score has dropped due to a miscalculation and XXXX has had a huge history of miscalculating peoples credit scores due to their fault program. They have constantly violated the Fair Credit Reporting Act and have violated my rights. At this point, it is a federal offence as my credit activity is definitely not reflecting my credit score based on XXXX reporting. The same goes for XXXX right now. My XXXX XXXX drop needs to be reversed, otherwise they are committing fraud.
Consumer complaint received 2022-03-01
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. (VA)

i recently got a copy of my credit report from XXXX notice that they are reporting inaccurate personal information about me i sent a certified letter to update my personal information along with an FTC identity theft report and a copy of section 605 B of the fair credit reporting act and a copy of my credit report with all of the fraudrantly items cirlced because i also notice that they were reporting fraudulent accounts on my credit report and they did not update or delete any of my information i am a victim of identity theft and XXXX need to update and delete the inaccurate information they are reporting about me my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I Brought It To " Citi 's '' ATTENTION Upon XX/XX/XXXX That MY UNSCHEDULED PAYMENT Of {$110.00} Made On XX/XX/XXXX HAD NOT POSTED TO MY XXXX CHECKING Which Ends In XXXX. 
( My CREDIT CARD PAYMENTS ARE DUE UPON THE XXXX Of Each Month ). 
During This Call, It Was Discovered That Citi Had Attempted My PAYMENT Of {$110.00} From A Different CHECKING In Which I HAD ALREADY CLOSED, And Ends In XXXX With XXXX ( I WOULD NOT MAKE ANY PAYMENTS FROM A CLOSED ACCOUNT! ) " Citi '' Recovered The PAYMENT from The CORRECT CHECKING ACCOUNT During My Call Upon XX/XX/XXXX. 

The BANK Error Is Now Being Deemed As A, " BAD CHECK. ''??? Citi Has Also Attached A {$29.00} Fee That Two Different Representatives Agreed To REMOVE : A, " XXXX '' Upon XX/XX/XXXX ; AND A, " XXXX '' XXXX. 
THE " BAD CHECK '' FEE OF " XXXX '' DOLLARS IS STILL INCLUDED IN MY CURRENT BALANCE. 
There Is A Difference Between " BAD CHECK, '' And WRONG ACCOUNT.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (PA)

I have a CITI VISA which was issued through my XXXX membership. I had always had paper statements sent to me monthly and always paid my bill in full on time. My wife and I have credit scores in the 800 's. 

CITI unilaterally changed my billing statements to electronic statements and cancelled my paper statements. My wife and I do not use any electronic statements or payment options with any account that we have. 

As a result of this change initiated by CITI we did not receive our statements for 2 months and did not make any payments during that time period. If we did receive anything electronically from XXXX we would have assumed it was spam or it went into our spam filter. 

We have demanded that CITI put our account back to paper statements and send us the past 2 months paper statements. And, we have requested that they cancel any late charges and finance charges since we always have paid our bill in full in a timely manner. We have not yet received the paper statements but CITI is asking us to pay the past due balances without any statements.
Consumer complaint received 2018-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SRA Associates, Inc. (TX)

I received a second notification form this company about a proposed debt with them. XXXX XXXX handled this matter a while ago and yet i receive communication regarding this matter from time to time. 

This company has called my number repeatedly regarding this and i spoke with an agent today and informed them that this is not my debt and was the result of identity theft. I need these harassing calls to stop. this company continues to try and collect payment from me although i have already sent a letter asking that they cease with the calls and phishing regarding an invalidated debt that was the result of ID theft.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (GA)

XXXX has been non-compliant with removing the unverified account WELLS FARGO CARD SER which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that WELLS FARGO CARD SER was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-28
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. (FL)

I am an Identity Theft victim and I disputed a medical bill that is not mine and asked them to validate the account. I sent in my ID and other pertinent documents. After awhile they came back with " the disputed account is not reporting on the Equifax credit file ''. So What is the account on my report then? Since it is not mine I don't know the amount or date or anything. 
I want them to verify the account that is on my credit report for XXXX XXXX is mine and when they find out it is not I want them to remove it from my credit file. 
AND The event happened more than 7 years ago and should be removed from anybody 's credit file : Under 611 ( 5 ) ( A ) FCRA they are required to " Promptly delete all information which can not be verified '' that I have disputed and according to the Fair Credit Reporting Act Consumer reporting agencies may not report outdated negative information that is more than seven years old, or bankruptcies that are more than 10 years old. Previous complaint ID : XXXX submitted XX/XX/18. 
Please help me to resolve this issue.
Consumer complaint received 2018-11-28
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: AES/PHEAA (IL)

XXXX, XXXX, XXXX  and XXXX fail to update my credit report reflecting the attached XX/XX/2018 forbearance letter. All credit reports show XX/XX/2018 as 90 days late and XX/XX/2018 as 120 days late on all four XXXX, which is inaccurate because I was approved for forbearance during this time as indicated in the XX/XX/2018 XXXX letter. Please instruct all credit bureaus to update my credit file as indicated with forbearance letter immediately. Thank you
Consumer complaint received 2022-11-30
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: WELLS FARGO & COMPANY (PA)

I have a credit card through Wells Fargo. On XX/XX/XXXX, I received a text alert for suspicious activity. The activity being {$14.00} for XXXX XXXX, which thankfully was denied. I have not had XXXX XXXX in years, my credit card has never been attached to my XXXX, and physically I still had my card. I immediately reported my card as stolen. Got a new one. 

Then, on XX/XX/XXXX, under my brand new card that I had not activated, I received another alert for suspicious activity, again for {$14.00} XXXX XXXX, again declined. I called my bank this time. The lady over the phone said that my account was " digitally transferred '' to the new card, so any merchants who had my old card were automatically updated with my new information. She did a hard transfer and issued me another new card. 

XX/XX/XXXX, I yet again, under the card that I had not received in the mail got another text alert for suspicious activity. Same XXXX XXXX and this time the charge was successful. I call my bank again and the guy tells me " I don't know how this keeps happening. All we can do is continue issuing new cards. '' I contacted XXXX and they told me the transaction was for XXXX XXXX under the account of XXXX XXXX XXXX I do not know anyone by this name or close to this name, but XXXX refuses to remove my card from her account, flag her account, or anything. They just kept telling me to contact my bank. Which, as I have explained here, has gotten me no where. So my usable credit card remains on this strangers account and no one will do anything about it.
Consumer complaint received 2022-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WA)

I was following the government Pandemic shut down requirements and Mr Cooper allowed me to differ my payments and now they tell me I am not qualified to have what I owe on the back of my note like the Care Act allowed and required..And now I am loosing my home and will be XXXX.. Can you help me suspend my foreclosure that's in 2 weeks or get this to take place so I am not loosing my home? 

I dont have a scanner right now to show you my sale date that they put on my door just yet.
Consumer complaint received 2018-11-28
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. (DC)

I have disputed the late payments on XXXX   XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Equifax and XXXX refused to reverse the late payments.They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (WV)

Constant sim swiping while committing identity theft through XXXX XXXX XXXX XXXX, I paid my bill and the payment was missing XXXX  days later and I was told that my services were disconnect when in fact someone else ha walked into my account pretending to be me and they could never find my payment even when I provided a cash receipt of payment. I filed a fraud report because the person that took over the account was also accessing my IRS accounts
Consumer complaint received 2024-09-14
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  XXXX  XXXX XXXX # XXXX - Date opened XX/XX/XXXX - Balance {$1500.00} XXXX  XXXX  XXXX XXXX # XXXX - Date opened XX/XX/XXXX - Balance {$7000.00} XXXX, XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX - Balance {$1400.00} XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX - Balance {$510.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXX 2022
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

I was in Bankruptcy from XX/XX/XXXX until XX/XX/XXXX. I have clear bankruptcy and been discharged but the bureaus show the report as being a new bankruptcy account instead of it being cleared and closed. This cost damage to my credit score and the all credit reporting agencies need to correct this issue immediately.
Consumer complaint received 2024-10-03
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. (MI)

I have asked Experian, XXXX, and XXXX to remove the following from my credit report : All credit bureaus have been reporting XXXX XXXX XXXX as a collections, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have not been provided a validation of debt and they are in violation of the FRCA laws, 15 USC 1692g, 15 USC 1681S-2, 15 USC 1681i , and 15 USC 1681C-2 . This is inaccurate credit reporting as I have no known information about any accounts reporting. I have disputed the items, and they are still failing to remove the and are reporting incorrectly on my consumer file. I want a purchase agreement to all accounts reporting showing full ownership of such accounts and also other documents so I may review to see if this is actually an account that belongs to me or remove within 14 days. XXXX have been reporting the following inquires and they are fraud, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They are reporting things I had no idea was in my name and all 3-credit bureau are violating my consumer rights.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.