davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (OR)

Freedom Mortgage is reporting that my account is in forebearance which has a negative effect on my credit standing. This is contrary to H.R. 6321 Sec 112 ( b ) ( 1 ) which amends the Fair Credit Reporting Act to say : ( b ) Moratorium On Furnishing Adverse Information During COVID19 Emergency Period.No person may furnish any adverse item of information ( except information related to a felony criminal conviction ) relating to a consumer that was the result of any action or inaction that occurred during the COVID19 emergency period
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (NJ)

I contacted Equifax because they told my lender that I was blocked and they could not give them my credit report. Equifax told me to fix it I would need to send them my social security card and driver 's license and I did. Today I checked in and saw what happened and called them and they said they got the documents but could not verify me anyway and wanted more stuff. They then transferred me to an indefinite hold. I tried calling back XXXX times and have been on hold a total of XXXX  hours today alone and each time the call cuts off. I have also called XXXX, XXXX and XXXX and all 3 say my files with them are fine but XXXX says Equifax Is showing error XXXX XXXX in error and they need to remove it. Equifax is pretty much dodging me at this point
Consumer complaint received 2019-12-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

I made several attempts to file submit loan modification packet five times. each call that I made they told me my file was closed I was re-submitting loan modification packet XX/XX/XXXX they told me at Loan Care it was not enough time I told them it was sent since XX/XX/XXXX response was it has been denied dates submitted Dates XXXX. XXXX XXXX. I called all those dates to check if they receive the modification packet they stated not received until I XXXX told them I was filing a complain against them and speaking to my attorney on XX/XX/XXXX I called on a three way calling with XXXX XXXX assisted with the phone call advising them about filing a complaint against them double checked email address to submit loan modification to Loan Care @ LC-Mit @ loan Care.net
Consumer complaint received 2020-05-21
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: Bread Financial Holdings, Inc. (MA)

CB/VICSCRT is in my credit report and shows that I have late payments in my history, which I am disappointed because I know that I pay my dues on time. The dates that they said I am late are XXXX, XXXX, XXXX, XXXX, XX/XX/2019 this might be that billing did not get to me on time or I did not recieved it at all. Please help me.
Consumer complaint received 2020-05-14
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: Experian Information Solutions Inc. (AR)

I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, OH XXXX SS XXXX XXXX XXXX I was recently in the hospital for XXXX XXXX  on my XXXX a year ago. I just now have got back to work. I discovered that my credit file has over 2 inquires for transactions that were never authorized by me. I have only XXXX XXXXL as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : Factual Data and also XXXX aka XXXXXXXX XXXX. I am not sure who approve this or even made these inquires. This the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611
Consumer complaint received 2020-10-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (AZ)

I refinanced my mortgage with Better Mortgage Corporation several months ago. One of the reasons I chose Better Mortgage is that Better promised to give the borrower {$2500.00} XXXX XXXX statement credits between 8-12 weeks after the closing of refinance. My refinance was closed on XX/XX/29 and it have been over 15 weeks and I did not see any XXXX XXXX Statement credits. Contacted Better a couple of times to inquiry about this, and reply was 'it has just processed ', but apparently it is not happening so far. I can only hope Better would deliver what was promised to the customers!
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MN)

I registered for a conference because my employer wanted me to attend. That conference was scheduled to take place in XXXX XXXX on XX/XX/XXXX-XX/XX/XXXX. The event did not take place as a result of COVID19. I requested a refund of the {$1000.00} registration fee that I put on my Citi MasterCard. The merchant refused and instead offered me a ticket to a future event. I told the merchant I am not sure I will be able to attend a future event, and I am not sure my employer would want me to attend, and furthermore I'm not even sure I will be employed! They still refused to give me a refund. I filed a dispute with my credit card company ( Citi ) explaining this and sharing my communications with the merchant. They reached out to the merchant who provided a receipt for another conference guest in the wrong amount. Citi then told me that the merchant has a no refund policy and they had resolved the dispute in their favor. I called in spending hours on-hold talking with numerous agents than promised they would help me but did not! The merchant 's cancellation policy is for when an attendee has to cancel, not for when the entire event gets cancelled by the organizer! I intended to go to the event, but was not able to because it did not happen. It's unethical for the merchant to keep my money for a different event that I did not sign up for and may not be able to attend. I did not receive the service I purchased, and Citi refuses to properly investigate my case and do the right thing in returning my money.
Consumer complaint received 2020-05-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SMITH, ROUCHON & ASSOCIATES, INC. (AL)

XXXX XXXX XXXX Original creditor SMITH ROUCHON & ASSOC Last reported XX/XX/2020 I did not receive any communications from creditor or collection agency about this debt. Recently I was denied credit increase due to derogatory information reported as HIGH IMPACT collections. Dispute was filed and debt was paid electronically but information is still being reported incorrectly. 

I notified SMR & Association via phone for letter of satisfaction and they agreed to remove all debts from each credit bureau. However, XXXX XXXX is still indicating collections information as HIGH IMPACT collections and incorrectly. 

XX/XX/XXXX Reported balance {$830.00} XX/XX/XXXXReported balance {$510.00} The payment has drained my emergency fund ; created a financial hardship and now place me in credit limbo despite consumer protection against surprise billing under the COVID-19 Cares Act. 

These medical bills were paid in XX/XX/XXXX according to XXXX Insurance and surprise the debt is back again and being reported inaccurate with HIGH IMPACT.
Consumer complaint received 2020-10-07
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: Oliver Adjustment Co. (VA)

I am filing a complaint of non-compliance against the following collection companies : I sent a lettter to XXXX  of XXXX XXXX, XXXX you said you verified the accounts : 1 ) XXXX ( XXXX XXXX ) XXXX ) XXXX  ( XXXX. OF XXXX XXXX XXXX This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my name to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified letters ).

I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
Consumer complaint received 2020-10-15
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)

THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE STOLE AND USED MY SOCIAL SECURITY NUMBER AND PHOTO ID THESE ACCOUNTS ARE FRAUDULENT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2020-10-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (FL)

On XX/XX/XXXX an annual escrow analysis was completed on our mortgage loan effective for XX/XX/XXXX payment. We noticed on this analysis that the insurance amount that was being collected/projected on this analysis was for the incorrect amount of {$2600.00} for lender placed insurance. We then reached out to our servicer and notified them that we have homeowners insurance and that our premium should be much lower. Once the servicer noticed this error we sent over the Declaration page to have the insurance updated and corrected with the lower premium amount of {$1000.00}. We were informed that the loan would then be re-analyzed ( this replaces the analysis with a corrected analysis ). The loan was analyzed on XX/XX/XXXX for the effective date of XX/XX/XXXX. The servicer stated that the reason this was done was because the payment due ( XX/XX/XXXX ) was coming up in a few days. We were then told that we have to pay the higher mortgage payment ( which is {$500.00} higher ) for XXXX and that our payment would just decrease for our effective payment of XX/XX/XXXX. That does not make sense considering that our payment is going down and we are due for XX/XX/XXXX and the incorrect analysis that was completed was effective XX/XX/XXXX. We have called several times and no one is willing to help or acknowledge that the loan needs to be analyzed again.
Consumer complaint received 2020-10-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

I was attempting to put gas on truck with my chase debit card and it kept declining. 
I call the bank and they said they made a review and decided it was best to close the account and that no further bank account can be opened with chase. And I said how is that possible if no one has communicated with us to tell us anything that how are they going to just close our bank account like that, we have our checks from work deposited there, our bills and rent payed through that account. And its not overdrafted, its been in good standing. All they said they made the decision to close the account, when I asked for a reason I was told they couldnt disclose that information and that in 10 business days the account would be officially closed and theyll make a check with anything that was left on the account and send it out.
Consumer complaint received 2020-10-07
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: EQUIFAX, INC. (GA)

SOMEONE USED MY IDENTITY TO OPEN ( XXXX XXXX AND A XXXX  BUSINESS CARD THAT DOES NOT BELONG TO ME IT COMING UP ON MY CREDIT REPORT AS A CHARGE OFF ACCOUNTS I DO CURRENTLY HAVE 2 OPEN CREDIT CARDS WITH XXXX  XXXX THAT DOES BELONG TO ME THAT I AM AWARE OF ( THE CHARGE OFF ACCOUNT FOR XXXX BAL ACCOUNT NUMBER XXXX ) IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT BECAUSE IT WAS OPEN FRAUDULENTLY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # XXXX ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, Original Creditor Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report. XXXX XXXX {$370.00} XXXX XXXX  XXXX {$580.00} XXXX XXXX XXXX {$130.00} XXXX XXXX   XXXX {$440.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2020-05-21
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)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report. XXXX  XXXX {$370.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$130.00} XXXX XXXX   XXXX {$440.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2020-05-21
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. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, Original Creditor Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2020-09-21
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: WELLS FARGO & COMPANY (FL)

Company A - XXXX  XXXX XXXX - reported when a fraudulent purchase put an unknown balance on my card and it became past due because the company failed to notify me. 

Company B - XXXX - put me over the limit with their own fees and never called me or emailed me to reduce the balance.
Consumer complaint received 2018-12-15
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)

Dear Credit Reporting Agency, Please provide evidence that XXXX XXXX XXXX account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information.
Consumer complaint received 2020-05-29
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: Dovenmuehle Mortgage, Inc. (NC)

Mortgage account was mistakenly reported in XXXX of 2019 on my XXXX  credit reporting resulting in the removal of the tradeline. Have contacted dovenmuehle and XXXX  to have this account verified as accurate. Several complaints and Months later, dovenmuehle states it's been reported to the credit bureau while XXXX  is stating it has not been reported. Below are both letters to indicate someone isn't being truthful or accurate in they're statements. This missing information on my credit report is resulting in a loss of credit score by 21 points, damaging my credit worthiness.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.