davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

I was a first time buyer property is FHA, Loan FHA {$330000.00} through loan depot. After all said and done with loan I noticed issues with the property that did not meet FHA guidelines. The # 1 rules for FHA is a heat source in each room. There is no heat source. The appraiser lied on his report, there has not been any gas on the property for 6 years so how could the heater work. Loan Depot also did not ask for the home inspection to verify that the property meets FHA guidelines. I have filed complaints in XXXX after doing my research with Loan Depot, FHA/HUD, the DRE and Real Estate Appraiser Bureau. Loan depot keeps changing there story that did nothing wrong, then anther rep states no we should of asked for the home inspection. I cant get direct answers from them but they insist they have done nothing wrong and will not help. FHA/HUD will not call the appraisal board to see that disciplinary action was taken against the appraiser but I called yesterday to have case reopened and investigated. The DRE is still investigating. I have been fighting this for a year now and no one will help but it is clear the FHA guidelines were not met and the property should have not been sold in the condition it is not meeting FHA guidelines.
Consumer complaint received 2019-03-26
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: Experian Information Solutions Inc. (IL)

I have submitted disputes with Experian for unverified accounts on my credit report. My latest was on XX/XX/2019 via certified mail received response on XX/XX/2019. Stating that they will not re-investigate previously verified accounts without additional information provided by me. In my letter it clearly states 1 ) Provide proof that accounts are mine, i.e. original documents with signature. 2 ) Their method of verification and if they can not to delete these accounts per FCRA. XXXX  and XXXX   have deleted these accounts as they could not be verified. How is that Experian can verify these same accounts in 10 days? They can not they are just sending out generic letters hoping consumers will get discouraged or do not know their rights.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX is discriminating against me because I am a XXXXXXXX XXXX  XXXX  and not updating my " Payment Status '' on each Credit Report to show the XXXX  Account ending in XXXX was " Paid In Full '' as of XX/XX/2022, after I made the payment to XXXX, XXXX, XXXX XXXX who stated they, in turn, reported it to XXXX XXXX regarding the -XXXX  Account ending in XXXX. 

They are now making the consumer suffer with incorrect and inaccurate information showing on my Credit Reports. The Account was " Paid in Full '' for {$3100.00} which is reflecting on my Credit Reports.
Consumer complaint received 2022-01-12
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. (CA)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-06-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: OLIPHANT FINANCIAL, LLC (FL)

Oliphant Financial LLC is currently trying to sue me for a debt that I do not owe, for {$4900.00}. I am now being forced to appear in court XX/XX/2022, and I do not owe these people anything. I do not know them. They have done very little in providing verification of this debt as a matter of fact none of the information they have provided actually proves the debt is mine.They do not have a signature, not even an electronic one. They are infringing on my rights as a consumer, and I am requesting that this please stop.
Consumer complaint received 2020-12-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC. (MI)

I had this card XXXX  when it was XXXX went out of buisness and it currently shows XXXX ( XXXX XXXX XXXX XXXX on my credit report ( s ) as closed.I didnt know this account was closed.I was never notified that this account has closed.I know i paid this XXXX account off some time ago before XXXX went out of buisness.If i was notified that this account has closed, I would have called them right away.Because its closed, this has hurt my credit score.I believe under the Fair Reporting Credit Act/consumer protection, XXXX/XXXX  was suppose to notify me.Therefore, I never received anything that this account has closed and the reasons why
Consumer complaint received 2022-03-14
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. (OH)

XXXX XXXX / XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

A LATE PAYMENT HAD BEEN RECORDED IN ERROR.  A STATEMENT WAS NOT RECEIVED TO SHOW A BALANCE WAS DUE FOR MY XXXX XXXX  - XXXX ACCOUNT ENDING IN XXXX
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I had called Chase Ultimate Rewards ( XXXX XXXX XXXX ) to cancel my round trip flight to XXXX and re-book a one way ticket. I was told that there was a residual value of {$120.00}, and that that I could call Chase Ultimate Rewards to redeem for future airlines ( my boyfriend had a value of ~ {$450.00} leftover as well but this is connected to a different card ). The representative stated that I had until XX/XX/XXXX to use the credit with any XXXX flight and provided me with the customer service number to call when I was ready to redeem. 

I spoke with a representative on XX/XX/XXXX in regards to booking a flight using my residual value of {$120.00}. She said I could not use the value to book any future flights ; when she could not help me any further, she filed a complaint for me. She was very rushed and did not explain anything to me. She said someone would contact me within 5 business days.

It had been 6 business days so I contacted Chase Ultimate Rewards again on XX/XX/XXXX. I spoke with XXXX ( who was very helpful ). At first she had difficulty finding my itinerary, however found it in the Chase system using my confirmation code. XXXX contacted XXXX to book my flight using the residual {$120.00}. A supervisor at XXXX said it is their policy that they don't accept residual values as credit towards future flights, and that the leftover money can not be used for any future flights. XXXX told me there was nothing else that I could do and that my {$120.00} and my boyfriends ~ {$450.00} were unable to be redeemed. 

I feel that as a consumer, I was misled by the representative that I spoke with on XX/XX/XXXX. As a result of her lack of knowledge regarding XXXX XXXX booking policies, my boyfriend and I lost ~ {$570.00}. As a customer service representative for travel booking, one should have adequate knowledge of different airline policies when advising the customer. If we had been provided the correct information, it may have affected our decision to change our original flights ( thus, we would not have lost the " residual money '' aka NCO ).
Consumer complaint received 2019-05-31
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)

Please reverse the late payments reported on the following accounts : XXXX   XXXX ; XXXX XXXX XXXX ; The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2020-08-14
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. (NY)

I Disputed this alleged collection account the last time I disputed them they deleted it off my account then added it back without sending me a reinsertion letter which is pretty disgusting so disgusting its a violation. The company reinserted the account XX/XX/XXXX of this year but The Status Date alone says XX/XX/2019 So how did they verify the alleged collection account and kept last years status date? So I want this account deleted now that i have everything on file with the CFPB.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (LA)

I have been unable to access my online account for my Barclay 's Uber Rewards Card since midXXXX. i can not make payments or view an up-to-date balance. I have been told that others are having my issue and that I just need to wait since the beginning of XXXX. My understanding is that Barclays forwarded a report on XX/XX/XXXX designating me as a late payment after being told that 1 ) any late fee or interest would be waived by multiple parties ; 2 ) that I would be able to access my account in order to make sure I was paying for what I should be paying for. 

The company called me at work today before putting me on hold about a late payment. Nothing has allowed me to get online and pay my account, and I am told that late fees ( that they waived ) have been reported to XXXX. I have been told that it is automatically reported and that there is no one to speak to about correcting the result of an error on their end. Additionally, I am told that there are no supervisors to speak with after the person on the call speaks to a supervisor and that they are unable to do anything for me about my online access other than just wait. I am told that I can make payments over the phone but have no way of making sure my information is current and correct before making a payment, something which is impossible based on conflicting and confusing information given me over hours of speaking to various customer representatives.
Consumer complaint received 2020-06-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (TX)

1. I am a Texas resident. I terminated my apartment lease with XXXX XXXX on XX/XX/XXXX due to XXXX XXXX. I was and am protected under Texas Property Code Section 92.016, which allows victims of documented and reported XXXX   XXXX to vacate the property or terminate a lease early and avoid liability. I provided the property with copies of a XXXX XXXX in which I am the XXXX XXXX, as well as the police report number for the incident. 
2. Hunter-Warfield, a debt collector, called me on or about XX/XX/XXXX and notified me I owed XXXX XXXX {$3100.00} and this debt would be reported to the credit bureaus on XX/XX/XXXX if the debt was not paid in full before then. I immediately explained to the individual on the phone that I dispute the debt and explained the situation which caused me to move out. The debt collector/representative was rude, spoke over me and hung up on me. I called back and spoke to a supervisor and again stated I dispute the debt and wanted the debt validated with XXXX XXXX. I immediately contacted the property manager at XXXX XXXX to attempt to settle the matter and was unsuccessful. The property manager, XXXX XXXX stated the debt has been sold to Hunter-Warfield. 
3. Hunter-Warfield e-mailed me a statement on XX/XX/XXXX with an e-mail stating the debt was validated and I owed {$3100.00}. I called Hunter-Warfield again and explained the alleged debt was pending litigation, that I disputed the debt and to please delay credit reporting pending a court hearing. The representative, again, was very rude and not willing to work with me in any way. 
4. On XX/XX/XXXX, I sent a certified letter via USPS ( tracking # : XXXX ) to Hunter-Warfield stating I officially disputed the debt and to cease collection activity until the debt was legally validated and litigated ; additionally, I included evidence proving the alleged debt wasn't valid. Finally, I stated that the case was pending mediation in local court and included the case number. The package was delivered/received on XX/XX/XXXX at XXXX per USPS Certified Mail Tracking. 
5. On XX/XX/XXXX, I received an e-mail from Hunter-Warfield offering me a settlement for {$2200.00}, to be paid within 30 days, despite my request to cease collection activity pending validation and litigation of the debt. 
6. I have hired an attorney who is actively litigating the alleged debt with the original creditor XXXX XXXX XXXX XXXX. 
7. I believe my rights under the FDCPA are being violated by Hunter-Warfield due to 1. Their refusal to validate the debt despite written request and evidence, 2. Their continued collection attempts despite an official dispute of the alleged debt and 3. Their threats to report this alleged debt, which is pending litigation, to my credit report, which would significantly impair my ability to move to a new property in the future due to the appearance of owing a rental property a large sum of money.
Consumer complaint received 2019-05-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (IL)

Hello, I purchased a car with Chase Auto Finance in XX/XX/2017. In XX/XX/2017, I was diagnosed with a XXXX XXXX. I have had to date XXXX XXXX on my XXXX to rid the XXXX. Unfortunately, I was late on my car payment. The account did not go 30 days late but, it was late. My income was reduced drastically, I went from making XXXX a year to XXXX. 

Moving forward, I was injured at my job. I fell and XXXX my XXXX, XXXX my XXXX   XXXX. I reached out to Chase and asked for a deferment in payments or reduction. I was denied, and I was told that because Im late every month is why I can not get a deferment. Chase has been well aware of my hardship, and has not made any attempt to assist me. No one in their right mind would willingly occur late fees. To feel as if Im being scolded like I am a child, when I called is obscurd.
Consumer complaint received 2019-05-31
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: STERLING JEWELERS, INC. (AL)

Unauthorized inquiry on XX/XX/18 from a Sterling. I have sent letters to both Sterling and all credit bureaus that this was unauthorized and have failed to have it removed and/or verified. I do not have an account with this company and have not submitted a credit inquiry.
Consumer complaint received 2019-03-26
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 feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-10-26
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. (FL)

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 2019-03-26
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. (VA)

Wife received phone call from XXXX XXXX claiming an old XXXX   bill was owed. She advised them please send all billing statements from the first time the account was opened so we could go over what bills were paid and what bills were not paid. Associate claimed they would send the information so we could verify the billing was correct. We moved all lines from XXXX XXXX or XX/XX/2018. All numbers were ported to XXXX with all phones from XXXX being paid off ... .. XX/XX/2018 XXXX placed collections account on Credit report without verifying information. XX/XX/2018 Sent a verification of debt letter to XXXX XXXX and disputed claims with all 3 credit bureaus. Three credit bureaus came back as information was verified. nothing received from XXXX. Mid XXXX after the 30 Day sent another letter for XXXX to respond within 15 days ( allowing 45 days for them to send billing information ) ... .. Today is XX/XX/2018 Nothing has been received from the credit collections company. This has already been sent back to XXXX once before due to another collection agency being told and shown it was paid off. I want this removed from the credit report and all three bureaus updated. XXXX XXXX, Equifax and XXXX  all used the actual XXXX XXXX which always shows an amount is verified.
Consumer complaint received 2019-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (TX)

The company Receivables Management System is attempting to collect on a debt that is not owed by me. 1. This company has NOT sent any information to my address.2. This company does not have my correct information.3. This company is NOT registered to collect a debt in my state of Texas.4. This "debt buyer" company HAS reporting information on my credit report "a collection" and is attempting to collect illegally.I sent RMS a certified letter with return receipt regarding this matter. RMS has 30 days to remove this collection or will face legal action and will be sued under the FDCPA.I want CFPB to find out why this company willfully breaks the law.
Consumer complaint received 2020-12-14
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: Resolve Partners, LLC (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, RESOLVE PARTNERS LLC add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, RESOLVE PARTNERS LLC add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.