davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-19
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. (TN)

XXXX XXXX XXXX reported XX/XX/2020 30 days late to all the credit bureaus. I made the payment at or before the XXXX XXXX  Mountain time cutoff but the transaction history shows that the payment was made at XXXX XXXX  so they processed the payment on XX/XX/2020. This caused the account to appear to be 30 days late. I called and asked them to correct the issue and they said that they could not and the issue is closed with their Consumer Escalations department. I told them that I would be filing a complaint with this agency and they responded that they would not remove it and the case is closed. This report is inaccurate because I was not 30 days past due and this has completely damaged my credit rating and caused me to be rejected for a refinance of this mortgage. I just want this to be corrected as soon as possible.
Consumer complaint received 2022-03-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST HORIZON BANK (AR)

First Horizon Mortgage XXXX held my conventional loan until XX/XX/XXXX when I sold the loan and paid off the loan with First Horizon I have called First Horizon several times requesting my IRS Form 1098 for interest. 
On XX/XX/XXXX, I called and spoke to a First Horizon customer service rep and was advised my IRS FORM 1098 was mailed to XXXX XXXX XXXX XXXX, AR. THIS IS NOT MY ADDRESS and has never been my address. I have never been associated in any manner to XXXX, AR. 

I am concerned about fraud or identity theft and requested the customer service rep to please send my 1098 form to my correct address. She said she would.mail on that day. 

After no receipt of the 1098 and several attempts to call after First Horizon again, I reached a customer service rep on XX/XX/XXXX and was advised my 1098 form was not mailed and First Horizon could not change my mailing address I explained my payoff release deed was sent to the correct address in XX/XX/XXXX and could send a copy of the letter. I also inquired on the person or party that changed my address without my knowledge or approval and requested a copy of the authorization. 
I was advised to send an email and send a written letter to change my own address tho some other party already had obviously.- which I did both. 

This should be a red flag under the FACT Act 12 CFR 222.90, which requires the bank to establish an identity theft program and respond appropriately to any red flags which are defined as a pattern, practice, or specific activity that indicates the possible existence of identity theft. 

Could you please assist? I am worried I will be the victim of fraud or identity theft.
Consumer complaint received 2022-03-01
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: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-12-13
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. (TX)

Company is reporting a balance when the account has been charged off. Account is also reported as closed and with a past due balance. account has been re aged. Account has not been verified and the XXXX in Texas expired. I also submitted verification to the creditor and the credit bureaus, and it has been more than 30 days with no response for the 3rd time. Account is violating my credit rights and reporting inaccurate information.
Consumer complaint received 2021-02-19
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. (SC)

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2021-02-19
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: EQUIFAX, INC. (GA)

There are several unauthorized inquiries on my credit report. I tried disputing them but no action was taken. The following inquiries are unauthorized. 

XXXX XXXX on XX/XX/2021 XXXX on XX/XX/2021 XXXX XXXX XXXX on XX/XX/2021 XXXX on XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX  XX/XX/2021 XXXX  XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica (CA)

Direct express will not send me my replacement card my first card expired I have made several phone calls to their office Social Security administration has repeatedly informed them of my new mailing address they still have not sent me my card I am hung up on frequently when I call the office I have been told by their workers that my address was not changed but it has been three or four times by Social Security because they did not send me my card I was evicted. My daughter and I are in a homeless shelter. They will still not send me my card.
Consumer complaint received 2021-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MA)

I have 2 separate XXXX loans both subsidized and serviced through Navient. When I log into my account and look at details of these loans they both state that interest rates are 6.55 % yet it states interest rates are set by Congress and per the CARES act federal loans are 0 %. They claim the reason I am being charged interest is because they do not fall under CARES, however, why does it say the interest is set by Congress and does congress not have rates set to 0 % until XXXX this year? They have not been able to answer these questions. These 2 loans are close to being paid but with the interest I will still be paying until at least XX/XX/2022. I believe they owe me interest on these loans which would help decrease my balance. The way they do their loans in general makes it impossible for people to pay. I have loans where I am paying twice the original amount and they will not work with me at all. I just discovered too late that I could've refinanced those loans into a direct loan to qualify for loan forgiveness as I am a public service worker, yet they never let me know this was an option or that I would not qualify unless I refinanced. I've been making payments under the assumption this would all count towards forgiveness and feel misled and that they are being fraudulent. They do not even make monthly statements readily accessible electronically or through mail.
Consumer complaint received 2021-02-19
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: Total Card, Inc. (MA)

Vervent/Total Card Solutions has listed a negative remark on my credit report. I have tried disputing the issue. The agency has failed to produce any documentation to prove this account was mine.I have attempted to contact Total Card services and have been advised that they are no longer servicing my account and refused to provide me with any information I needed. I was advised that XXXX XXXX XXXX is now servicing my account. XXXX XXXX XXXX has advised that they stopped all reporting efforts on my credit report. At this time, Vervent/Total Card is on my credit report still listed as a charge off. If the agency is no longer service my account and refuses to prove my account ownership, they should not be allowed to report negatively on my account. I want for this account to be removed immediately
Consumer complaint received 2021-02-19
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)

Good afternoon, I am very upset due to the fact that I've been calling and calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. I did a dispute and they are saying that it's not me. I certified that I am the one submitting the dispute. Also, every time I called the credit bureau it seems like I am going through a maze. It's almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting me from getting a house for my family.
Consumer complaint received 2021-12-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WI)

Kindly request that the information contained in my credit profile be reviewed and modified, but a response from you has not been possible I emphasize that federal law requires you to respond within thirty ( 30 ) days, but you credit reporting agencies continue to breach these federal regulations, which are investigated by the Federal Trade Commission. 
As I had previously communicated I keep a careful record of my communications with you for the purpose of File a complaint with the FTC. 

I further remind you that you are responsible for your intentional breach
Consumer complaint received 2021-02-19
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: CITIBANK, N.A. (ND)

After opening the account I instantly noticed there where two othe accounts connected to it a credit card and I asked over and over again what it was they just kept transferring me this was on XX/XX/XXXX so I told them to just close it but instead the women on the other end said it was still open I asked if there were any deposit she got quit and wouldnt say anything but the very first time I contacted Citibank the man on the other end said it was closed and they would send the check back to the irs I looked up wet emy refund was and its been processed please help I have a investigation with the ward counts sheriffs department a detective is already on one fraud case with Citibank bank all I want to do is change my bank information
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : 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 XXXXXX/XX/XXXX
Consumer complaint received 2018-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (FL)

On my second payment to the mortgage company, I started sending weekly payments, because my mortgage company did not offer bi-weekly payments to help reduce my principle. So every week I would send {$320.00} and it would build up in a suspense account until it reached {$1200.00}, then a payment would be applied and the remaining money in the suspense account would go toward principle. 

It's important to note that every month, my lender would send me a letter acknowledging short payments and that " ... this amount is not sufficient to cover the full amount of your mortgage loan periodic payment. As as result, these funds have been placed in a suspense account. The funds will remain in the suspense account until you have remitted sufficient funds to equal a full periodic payment. Once you have remitted sufficient funds and the amount held in the suspense account equals a full periodic payment, the Bank will promptly credit the payment to your mortgage loan account. ... If excess funds are also included when you submit the additional funds necessary to cover your periodic payment, those funds will be posted as a principle curtailment upon receipt of your next periodic payment, unless you instruct us otherwise. '' This worked great and without issue, from my first weekly payment sent XX/XX/XXXX, until XXXX, XXXX, when I received a late fee of {$47.00}, because they changed how they were applying my payments WITHOUT ANY NOTIFICATION. I called my lender and they promised to waive the late fee ( since it wasn't late ) and instructed me to change how I was making payments. Lender advised me to start sending separate checks, one for monthly payment and other with PRINCIPLE ONLY written in the memo field. I started doing this on XX/XX/XXXX and sent one check weekly for {$280.00} and another one for {$36.00} marked PRINCIPLE ONLY. 

My XX/XX/XXXX statement showed my late fee as PAID, but then shows ( {$47.00} XXXX in parenthesis under fees and charges paid since last statement. So I'm not really sure if they did credit me that late fee or if they stole it from me, since it was never late. 

Fast forward to today when I'm reviewing my XX/XX/XXXX statement. Now it appears that NONE of my {$36.00} principle only payments have been applied to principle. Instead they're just throwing all of the money in the suspense account to pay my regular mortgage payment when it reaches {$1100.00}. This is completely unacceptable and likely illegal. I tried calling my lender today, XX/XX/XXXX, but the representative only said " so you want me to apply the $ XXXX+ in suspense account to principle? ". It's abundantly clear that my lender is committing fraud with my account and has no interest in actually servicing my loan and helping me correctly apply payments to principle. They charged me a late fee, when my account has never been late. They changed the way payments are applied without sending me notice.
Consumer complaint received 2018-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TX)

1. XX/XX/2018, I chose not to renew my Hazard insurance carrier to be effective XX/XX/XXXX, on the date of the policy expiration, 2. I purchased a new carrier on XX/XX/2018, which notified the Mortgage company Quicken Loans on XX/XX/XXXX, so that there would be no lapse in coverage. 
3. On XX/XX/XXXX, the old carrier notified Quicken that my insurance had expired and that I was no longer covered 4. XX/XX/XXXX, I received a letter from Quicken datre, XX/XX/XXXX, stating that there was no coverage on the property and they would set up lender-forced insurance coverage ( single interest ) insurance. 
5. After several calls to my agent and my new Carrier, it was proven that Quicken was notified by the New Carrier on XX/XX/XXXX that coverage was in place and that Quicken was appropriately listed on the policy as the lender, 6. XX/XX/XXXX, I asked Quicken to remove the letter from my file. They refused. I sent an email making the same request, and again they refused to remove the negative letter to induce lender-forced insurance ( single interest insurance ) 7. I sent an email to Quicken and asked them to place all my email request along with the " negative letter ' ) document to show that indeed there was insurance and that they acted hastily and without review before sending the notice to induce single-interest insurance on my account. 
8. Quicken has agreed that it will send a " notice of correction '' to indicate that there is " Proof of Coverage '' as a follow-up to the Lender-forced Hazard Insurance letter, but will not remove either letters from my file. 

Resoultion : Because I consider the notice for Lender-forced Hazard insurance partially meets the requirements as " Letter of Error '' ( not as a violation of foreclosure act, but it was a early and unneeded initiation of a letter that should not be in my files, regardless of its limited impact ( such as future forced escrow accounts, or denial of coverage for failure to pay insurance, etc ) and should be removed from my files in its entirety, even though no purchased of the Lender-forced insurance policy was initiated.
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I filed several disputes with Equifax regarding the XXXX student loan accounts. My loans have been rehabilitated as of XXXX of XXXX and are in good standing. The XXXX account has been closed since XXXX, but they are still reporting every month on my credit report. On XX/XX/XXXX XXXX reported that I had a 120 day late which was not correct. My loans were in rehabilitation at that time and the XXXX account was already closed for 4 years. I asked numerous times for this to be removed from my credit report as it is hurting my credit score and making it hard for me to have a better quality of life. The other two credit bureaus ( XXXX  and XXXX  ) have already made the adjustments after their investigation, however Equifax refuses to remove the false information.
Consumer complaint received 2021-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (PA)

In XX/XX/XXXX I had a bill for internet service settled before I moved out of my apartment. I dropped off the modem and went to the XXXX XXXX XXXX XXXX store and asked working employees if I needed to clear anything else and they said no everything was taken care of. This included any charges and anything else. 

Three years later in XX/XX/XXXX XXXX XXXX and hunter warfield who are two different debt collection agencies are asking me to pay different amounts. XXXX XXXX threatened that if I didnt pay within 40 days they could attack my credit. 

I called XXXX when I received the email from XXXX XXXX and they told me I owed money. I told them I was already disputing the amount I owed with XXXX XXXX XXXX said they were going to dispute it also but they said they would call back in three business days and they did not. They didnt have me on file for any charges and said it was waved but it showed I still owed money but couldnt find out what the charges were for and werent clear because everything was cleared? 

I am not sure how I have debt with XXXX Hunter Warfield and XXXX XXXX all at the same time for different amounts for something i never owed money on to begin with and am afraid that my credit will be attacked. 

Please help me.
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: JPMORGAN CHASE & CO. (MI)

I hold two credit cards with JPMCB. But three cards appear on my credit report. I phoned JPMCB to inquire, and they confirmed that there was a third card, with middle digits XXXX which was being used by someone else, who either has my same name or was abusing my name. 

The representative at JPMCB explained that sometimes a card registers to a person with the same name can be assigned to the wrong credit report. In this case, he stated that he would issue a letter to each of the credit reporting agencies and notify them of the error and have that card removed from my credit report. 

This can take up to 7-10 business days.
Consumer complaint received 2018-12-08
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (OH)

XXXX XXXX XXXX contacted me and represented themselves as Navient, the original loan holder on XX/XX/2018 with the WRONG amount of my loans.

1. Total amount of loan was incorrect ; they supposedly 'double ' checked but they were correct.

2. I thought I was working with someone from NAVIENT, the lender. Now they documents they are sending me, show a different name as the COLLECTOR. 

Please help me, I will end up homeless. 

XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX  XXXX, OH XXXX
Consumer complaint received 2018-12-06
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 law firm, 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.