davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-22
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. (MI)

Noticed some accounts opened on my report I never was aware of or gave my consent to open. 
I just fully got to see the whole run down on my credit report and I notice the problem and made a FTC report. 

I contacted the creditors multiple times! but they provided me no feedback to this inaccurate information on my report I asked that it be removed off. As it is against my rights to the fcraa. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquires on my report I didnt give me consent to use my info. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-22
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. (MI)

Noticed some accounts opened on my report I never was aware of or gave my consent to open. 
I just fully got to see the whole run down on my credit report and I notice the problem and made a FTC report. 

I contacted the creditors multiple times! but they provided me no feedback to this inaccurate information on my report I asked that it be removed off. As it is against my rights to the fcraa. 

Dept of Ed XXXX reporting 4 times Us Doe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX Inquiries i do not notice XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-07
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. (AR)

I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. 

XXXX XXXX {$0.00} Someone stole my identity. 
XXXX XXXX {$0.00} Someone stole my identity. 
XXXX  XXXX XXXX {$2100.00} Someone stole my identity. 
DEPTEDXXXX  XXXX {$3700.00} Someone stole my identity. 
XXXX XXXX XXXX XXXX Someone stole my identity. 
XXXX XXXX SER XXXX XXXX XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Someone stole my identity. 
XXXX XXXX  XXXX XXXX XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XXXX Someone stole my identity. 
XXXX AR XXXX {$0.00} Someone stole my identity.
Consumer complaint received 2021-12-07
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. (PA)

EXPERIAN is fraudulently reporting a public record on my report. I have contacted the third party company they state they verified with. This company XXXX says this information was not verified and had been deleted from there data base. I have contacted the court listed on my file who states the same thing. I have requested both by phone and by mail that an investigation be done and this item removed. EXPERIAN continues to send only credit reports. Since XX/XX/21 I have received 11 reports. None of which show proof of an investigation or permissible purposes for certain items listed. This public record is intentionally being left on my file. Pursuant to the FCRA XXXX have an obligation to investigate and report verified information.
Consumer complaint received 2021-02-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
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. (OH)

Credit Bureaus are reported an alleged bankruptcies on my credit report. XXXX XXXX informed that they provided the credit bureaus with no such information regarding these alleged bankruptcies and the courts also stated the same information. Since XXXX XXXX has verified that they did not provide this information, I am challenging the validity of these and wanting full documentation.
Consumer complaint received 2022-10-12
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. (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 2021-03-10
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: CCS Financial Services, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CREDIT COLLECTION SVCS ( Original Creditor : XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-05-05
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. (NC)

I have submitted letters and made numerus phone calls to TransUnion in attempt to remove inaccurate inquires off my credit report. In accordance with the Fair Credit Reporting Act the company have violated my rights. 15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX XXXXXXXX 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 2022-06-21
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)

In accordance with the Fair Credit Reporting act 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. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) DEPT OF EDUCATION/XXXX  - XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX,
Consumer complaint received 2021-05-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

I received communication from Resurgent Capital Management in regards to an alleged debt from original creditor, XXXX XXXX XXXX  in the amount of {$650.00}. Upon receiving the letter, I called Resurgent Customer Service and spoke with XXXX on XXXX at XXXX XXXX XXXX. I advised XXXX that I was formally initiating a debt validation request. XXXX advised me that she could start the process but I advised her that I wanted to do so via mail or email for tracking purposes. Reluctantly, XXXX provided an email address for the debt validation request. Per her instructions, I emailed XXXX on XXXX requesting debt validation. After a little over a week, I received a letter dated XXXX from Resurgent with an attachment entitled " Account Summary Report ''. This summary is attached and is a simple Word document. After reviewing the document and realizing it didn't meet the requirements of proper debt validation, I sent Resurgent a 2nd email on XXXX, attached, requesting debt validation again with details of what a proper debt validation is under the law. On XXXX, I received an email from Resurgent, attached, stating that due to the nature of my inquiry, my letter was forwarded to the appropriate department for processing and future communications regarding the inquiry will be sent via US mail to the address they have on file. This email came from XXXX XXXX. Since XXXX, I have not heard from Resurgent as promised. Three days later on XXXX, I received an alert from from XXXX, attached, that Resurgent added the alleged debt as a collection on my credit report.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Since XX/XX/2022 I have sent Equifax 4 letters regarding incorrect personal information and identified FCRA Violations and Non METRO2 Compliance. After reviewing my credit report almost 3 months later I became aware that no changes have been made and I have not received any investigation results. According to 15 U.S. Code 1681i Equifax is supposed to delete the disputed items during a full and complete investigation. Equifax violated this federal law. Equifax is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Equifax to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to { {$1000.00} } per violation. Please note that I will not hesitate to file a suit against Equifax for willfully and knowingly violating my consumer rights if this is not rectified within 15 days.
Consumer complaint received 2021-06-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

during the housing crises my mortgage loan was being service by XXXX XXXX XXXX XXXX. After 6 years in foreclosure I receive a loan modification. I was under duress and facing the homelessness with my XXXX year old child I had no other choice. At the time of the modification the home was valued approximately {$190000.00}. XXXX XXXX  place a new loan on the of {$480000.00} this was unconscionable. Additionally this loan has a balloon payment of {$350000.00} on the loan maturity date. There is absolutely no way they value of the home will every be worth {$480000.00} and there is just now way that the home will be value at {$350000.00} on the maturity date of the loan. XXXX did this knowing that there is just no way out. Recently my loan was transferred or sold to PHH mortgage service who has decline to help me. The loan is now owned by XXXX XXXX  and is being serviced by PHH Mortgage
Consumer complaint received 2021-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Ive been unsuccessful having Bank of America apply my lump sum mortgage payments appropriately to payoff the loan in full, stop being charged interest and receive the balance of my substantial escrow funds. Ive attempted on at least four separate occasions starting approximately XX/XX/XXXX to get an accurate payoff, after which I sent funds in excess of the amount required only to find that the funds were misapplied to a suspense account-effectively putting them in a XX/XX/XXXX account while B of A collects interest on my money. Each time Id get a new bill with an outstanding balance. And each time Id call back, ask what happened- B of A would say sorry, they didnt know where to apply the funds, theyre in a suspense account, Ill have it corrected, but you still owe {$890.00} Id send the new payoff. The next call, when the funds werent applied, went the same path with B of A apologizing for misapplied funds that went to a suspense account followed by a new payoff quote of {$10.00}. Undeterred I went to my local bank and wired {$100.00} ( 10x what they requested ) as per their wiring instructions. Again B of A promised resolution, payoff and my escrow funds. They got it wrong again. Instead of a payoff and funds I got a new bill with a $ XXXX balance. Im on the phone with B of A as we speak on XX/XX/XXXX. Guess what, same apology, same suspense, misapplied funds explanation saying well get it corrected, well give you proof of payoff and balance of escrow. I have zero faith this will be accomplished. My request : please get me proof of payoff and escrow funds, retro to my original request, along with any accrued interest. 
Please consider conducting a full audit of B of A servicing and control practices. If this is happening to me, a long term client ( who has never made a late payment ) Im fairly certain, other clients funds are being misapplied, mismanaged, perhaps costing clients hundreds of thousands of dollars in aggregate
Consumer complaint received 2019-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was Baited into an online dating site on a {$99.00} Transaction ... see previous complaints, Temp credit was reversed, and then redeposited into my account, the data files for this complaint were merged and some of the uploaded data was lost as well as notes in claims to make this go away.. to do they they would request a non communicating merchant agree to give me a refund ... they took this out, then they took another fee out unrelated to this that I mentioned being a long standing customer ... The Same Claims People making something go away took over {$200.00} out, causing an account issue # 1 as an it student I can not deal with this and # 2 I refuse to be ripped off ... spent a week on the phone started again to call and my account was in the process of being closed. All Claim data was rejected I took my time out again only to find out they are closing my account.
Consumer complaint received 2022-05-13
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. (IN)

in accordance to the Fair Credit Reporting Act and XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On approximately Saturday, XX/XX/XXXX I reviewed my TransUnion credit report. Upon reviewing examining the file in further detail I noticed that an old credit card account from " XXXX XXXX '' was still reporting as a " current account '' despite being closed nearly three years ago. On my credit report, under " Payment History '', Trans Union 's comments indicate this account was closed in XX/XX/XXXX ( a comment of XXXX is noted ). I disputed the status of this account with TransUnion on approximately Sunday, XX/XX/XXXX. TransUnion responded saying that they verified the account status as accurate based on information provided by the creditor ( despite my credit report from the other two reporting bureaus showing this account as closed ). I am therefore submitting this complaint against XXXX since they have submitted inaccurate information regarding my closed credit card account to Trans Union. I have attached a copy of my Trans Union credit report for documentation.
Consumer complaint received 2021-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (NY)

Today, XX/XX/2021. I was notified through my XXXX  subscription that there was an update to my credit report. Upon checking, I found an account that I did not recognize. With no contact information. I contacted the original creditor XXXX XXXX XXXX XXXX XXXX. ( I have never banked with this bank ). They said they will investigate. I'm waiting to hear back from them.
Consumer complaint received 2021-05-20
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS ()

I am requesting my Consumer Disclosure Report. I request to access my file to learn more about the personal information LexisNexis Risk Solutions maintains about me in accordance with the Fair Credit Reporting Act. I am also requesting this file be EMAILED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX Mailing address XXXX XXXX XXXX XXXX Pa XXXX Date of Birth XX/XX/1984
Consumer complaint received 2021-07-13
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. (MD)

Equifax continues to list a settled account on my report as Charged Off. States that the creditor has verified this information, however I have a paid in full notice from the creditor XXXX XXXX XXXX  Equifax Online Dispute Center has not allowed me to upload my supporting documents due to technical difficulties with their website not accepting uploads, thus, hindering my dispute from being resolved. Both XXXX  and XXXX XXXX are listing the status of the same account correctly as legally paid in full, but Equifax has refused to do so. I have placed this account in dispute with Equifax 3x with no avail.
Consumer complaint received 2020-08-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (IL)

On XX/XX/2020, I contacted Amerisave to inquire about a mortgage refinance loan. I spoke with a loan originator and went through several options. We discussed several loan strategies and how my current rating would affect the rates. We even went so far as to only include the person I informed the loan originator that my goals were to shorten my term and lower the percentage rate even if it meant a slightly higher payment. I also did not want to pay anything at closing. We looked at many options and discussed how many of them actually paid the customer money instead of having to bring money to closing. I stated that I would like to get close to {$0.00} at closing to get all terms as low as possible. I then asked if I could discuss with my wife. I was informed that the rates change daily at XXXX. 

I returned the next day to complete the application. I waited till after XXXX to be sure I received the updated rates. I looked over several other options and settled on a loan with a 15 yr term at 2.5 % with no money due at closing. 

I went through the credit check process which revealed a credit score much than what the loan originator had shared with me to get pre-qualified. 

I was then taken back to the re-select a loan as the previous loan I had selected and pre-qualified for was no longer available. It was a matter of minutes between my first selection and having to re-select a new loan. 

The new loan has a 15 yr term with 2.5 % financing but now I have to bring {$8500.00} to closing. A very different loan. I checked man y of the options and ALL of them required me to bring many thousands of dollars to closing. 

This was not what I was told nor what I selected. This feels like a bait and switch and it is predatory in nature.