davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (PA)

Applied for a credit at XXXX. And recieved a letter 10 days later from XXXX  XXXX  that the credit bureau, Sagestream , LLC, reports that I am deceased and credit denied. Called Sagestream, because I am NOT deceased and they refuse to help. Called the bank and they recommended calling sagestream. Is this even a real credit bureau?? The bank rep said she never heard of them.
Consumer complaint received 2023-01-15
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Bank 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 15 U.S.C 1681 section 602 A. States/ 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 16818-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group (AL)

XXXX XXXX XXXX called me on Friday XX/XX/XXXX at XXXX XXXX. I spoke with Al XXXX first. He informed me that he was calling on behalf of XXXX XXXX Bank to collect on a debt in the amount of {$9900.00}. He said my account was in a pre-legal status and the company XXXX had already chosen an attorney in my area if I didnt pay the debt. I told him I couldnt pay the full amount but I could begin making payments. He said your account is currently in a Pre-legal status so you need to pay in full I said what if I dont pay in full? He said then we will refer your account back to XXXX Bank and they will send it to the attorney they have already chosen. I explained to him I can not pay the full amount. He said well I could reduce it down to {$4500.00}. I said I dont have a large amount to pay. I can only make payments. He then put his alleged supervisor on the phone XXXX XXXX. He told me he could get it approved for {$3900.00}. I explained again I dont have a large amount. I can only make payments. He then told me he was looking at my credit report and he could see a XXXX  bank card that had the availability balance on it. Im really not sure HOW he could see my credit report because I did not authorize him to run my credit at all to view my creditors. 
I told him that cars was my husbands and I couldnt use it. He then told me that the full balance is due and asked if I have anyone that could pay it? I said I might could call my parents. So I told him I would call him back. He was very insistent that I place him on hold and call my mom. I told him I couldnt do that. He said XXXX more times. I then told him no and I would call him back. 

Finally I remembered receiving a letter stating the account XXXX was actually placed with a company called Velocity Investments. So I called them and asked about this and they informed me XXXX does NOT have the authority to send my account to an attorney. So they lied to me about that. 

I called XXXX back and spoke with XXXX XXXX again and told him this and he played XXXX and acted like he never gave me that impression. 

Im sure if the recording was pulled it would be proven he did threaten an attorney when they dont have authority to do that since the account is technically owned by Velocity Investments .

Im attaching the letter where they told me they could get me down to XXXX to pay.
Consumer complaint received 2022-03-04
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)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MA)

Hello DSNB MACYS ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (CA)

I was living with my now ex girlfriend in an apartment in XXXX California. She moved out in XX/XX/XXXX and I moved out in XX/XX/XXXX. I sent notice to the property management company that I would be moving out by the end of XXXX on XX/XX/XXXX. The management company replied to that email regarding another topic that was contained in the email. On XX/XX/XXXX. I received an email from the management company stating that my move out date was XX/XX/XXXX and they had charged me an additional three months rent as well as late fees three separate times for those months. I was never notified of these charges and I was never notified when they sent that Det to a collection agency. My ex girlfriend received a call from the collection agency last week stating that we owed roughly {$5000.00} that had to be paid by the XXXX of this month to avoid a negative impact on credit reports, We explained the situation to the person on the phone, but they were either unable or unwilling to allow us time to sort out the situation with the management company.
Consumer complaint received 2021-04-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK (NJ)

I was on a mortgage forbearance from XX/XX/2020 to XX/XX/2020. I returned to making regular mortgage payments in XX/XX/2020 and have made timely payments to date. I am now attempting to refinance, however, Midland Mortgage is preventing me to do so because I was unknowingly entered into a repayment plan and my statements show that I am late and that I have an outstanding balance ; which is a red flag for the bank I am attempting to refinance with. When I agreed to the forbearance via phone ( no documentation was required ), I was informed by Midland, that any unpaid amount would be added to the balance of my loan. I am now attempting to reduce my monthly payments by refinancing so that I can reduce my interest rate, lower my mortgage and ultimately stay in my home. Midland continues to push me into a repayment plan when I am aware that HUD offers other programs i.e. XXXX.
Consumer complaint received 2021-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

The disputed charge made was for a cancelled service that was settled in collections last year for less than full balance with ERCXXXX XXXX XXXX Please reference documents submitted. 
On XX/XX/XXXX, the original balance owed for the account # XXXX # XXXX XXXX XXXX was {$610.00}. 
On XX/XX/XXXX, the account # XXXXRef # XXXX debt was settled for less than full balance to be paid in full in the amount of {$390.00}. The remaining {$210.00} was written off and account was at XXXX balance and in good standing. 
On XX/XX/XXXX, XXXX XXXX recalled the {$210.00} and sent back to collections to report the account # XXXX debt was owed. I mistakenly believed the account was not paid, since the account was assigned a different reference number Ref # XXXX. After further investigation on my part, I did the math. The amount that I paid this year was a written off charge for a cancelled service that had been in good standing and was at XXXX balance as of XX/XX/XXXX. 
XXXX XXXX illegally reopened the account without my permission and charged me for a service that I did not use nor owe according to the agreement made on XX/XX/XXXX. 
Account was in good standing and at XXXX balance as of XX/XX/XXXX. I have made several phone calls to both XXXX and ERC to report the error and illegal activity. XXXX collections initially made a refund request on XX/XX/XXXX, Ref # XXXX, but soon declined request stating they did not owe me the {$210.00}. 
On XX/XX/XXXX, XXXX told me I was suppose to get a call from supervisor, but as of today, no phone call was made. 
ERC has identified illegal charge to account and has escalated investigation Ref # XXXX, on XX/XX/XXXX. 
XXXX XXXX XXXX illegally opened an already settled account # XXXX from XX/XX/XXXX and charged me for a service that I did not use. 
Please review the math below to verify : XX/XX/XXXX Original Balance of debt {$610.00} XX/XX/XXXX Settled for less than full balance {$390.00}, paid in full from XXXX checking account. 
**Remaining {$210.00} written off as agreed to make account # XXXX at XXXX balance and in good standing. ** XX/XX/XXXX Account # XXXXRef # XXXX was reopened sent back to collections for {$210.00} and mistakenly paid in error by me.
Consumer complaint received 2023-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I've submitted my dispute to the bureaus multiple times and they have yet to give me a fair investigation. I believe their responses are automated when I do receive letters all they do is mark it " VERIFIED AND ACCURATE '' and when I request for them to tell me how they came to that conclusion I NEVER EVER get a response back. 

I need a fair investigation because it is my right. 

Since the bureaus have yet to do their job I need these items that don't belong to me to be deleted ASAP!
Consumer complaint received 2021-09-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (TX)

I was several months behind on my mortgage due to income loss. I had applied for modifications and because I was in a hurricane zone after Harvey I received another reprieve. That took me to 2019. I requested another modification and even asked about tacking on the outstanding balance to the end since I had recently gotten a new job that would afford me the ability to pay my taxes and mortgage. U.S. Bank told me no, because I wasn't making enough to pay off the {$20000.00} I was behind plus my mortgage in 6 months. At the time, I had between $ XXXX {$30000.00} in equity in my home based on the comparables that U.S. Bank 's representative that took pictures of my home and provided the value of my home. I was told U.S. could not do that for me. So, I attempted another modification. I sent in all the paperwork based on what was sent to me from U.S. Bank via U.S. Mail. By XXXX/XX/XX/2019 I received a rejection stating that I didn't submit a complete packet. 

I inquired about what was missing and I was told my income tax information was missing. I let US Bank know that I submitted the transcript request form for the IRS that was in the modification packet. The representative from U.S. Bank told me that eventhough they sent the form to me, they no longer use the form and there was no way for me to modify my mortgage because of the missing IRS information. 

My house then went to foreclosure and my home was taken from me. 

I felt that as a single XXXX American woman, I was discriminated against in the handling of my mortgage. I felt that my history prior to my loss of income was proof of my worthiness, but US Bank obviously saw it differently. 

I would like to know if XXXX Banks decision to foreclose on my home was congruent with home owners in similar situations ( equity in home, new job ) and with government expectations/considerations/laws at that time?
Consumer complaint received 2020-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I had a mortgage with XXXX XXXX for 20 years and in those 20 years I would go to the XXXX XXXX office and pay cash every month I never missed a payment because it was cash. Now they have sold my mortgage to Rushmore loan management. that company is telling me that I am one month behind I told them several times in writing no I am not so tell me what month you say I didnt make so I can investigate it and prove I didnt pay by looking up all of my receipts all Rushmore does is send me blah blah letters saying we applied this to that and applied this to that and applied this to that it doesnt tell me where the problem originated. I feel like all I am dealing with is a computer never a human and when I try to call them Im on hold for over an hour I cant do that so I write them letters can you contact Rushmore loan services and tell them that I want to know what month They are accusing me of not paying loan number XXXX Rushmore loan management company in XXXX California
Consumer complaint received 2022-12-22
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. (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 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

Due to the pandemic, my business revenue fell to nearly zero early and mid 2020. I contacted all creditors to make payment arrangements. During this time the Cares Act obligated creditors to report accounts as current ( or not to report any delinquency ) during the pandemic as long as I was in touch and worked out arrangements. Which I did with all creditors. However, three creditors DID report delinquent payments on my XXXX  and XXXX  credit reports, significantly impacting my rating and score.

These three creditors include XXXX, XXXX, and Wells Fargo. When I found this out I disputed the incorrect data directly with Transunion and Experian. They did not take any action to correct it. Then I contacted each one of the credit card companies to ask directly to correct these mistakes and NONE of them have gotten back to me. They have not even responded on way or the other. This has been over the past few weeks. I have not received any letters or emails with a resolution. Since conversations about this were by phone, I do not have any documentation directly from the credit card companies other than the data from them my XXXX  and XXXX  credit reports. 

Specifically, XXXX reported me 30 days past due on XX/XX/2020 on both XXXX  and XXXX. XXXX reported me past due on XX/XX/2020 on both reports. Wells Fargo was the worst, they reported me XXXX past due for three months in a row : XX/XX/2020, XX/XX/2020, and XX/XX/2020 on both reports. My XXXX  report is correct and shows no erroneous reporting.
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NM)

I have a mortgage for my primary residence at XXXX XXXX XXXX XXXX, XXXX, NM XXXX, with Rocket Mortgage. XXXX XXXX from Rocket Mortgage called in late XXXX and offered me an opportunity to lower my mortgage payment by changing the loan term from 15 years to 30 years. Me and my wife have a high credit rating and stable jobs but lowering our financial burden is desirable at this time. So we went along and made some financial plans anticipating a lower house mortgage payment in near future. We really thought it will be a quick process since we already have mortgage on the house with them. We completed the application, provided needed information and documents, consented to pay all their fees for the loan refinancing. Later we were told that appraisal was a bottleneck and if we stick around she will get it done. In XXXX XXXX told me to stay patient that she will get it done and that Rocket Mortgage has never turned down a loan because of appraisal. In early XXXX she told me not to go with another mortgage company. She said Rocket Mortgage is willing to pay for the appraisal fee {$600.00} if we wait for another couple of weeks. She said she was pressing on the Appraisal Team in their office to expedite it. In the middle of XXXX I received a call from someone in the Rocket Mortgage office who said that they do not keep applications open more than 60 days. It is company policy to withdraw an application which we can not process within 60 days. " I am sorry. Please find some local mortgage company '' I thought it was unfair and deceptive process. I believe they should not be charging me so much in refinancing costs or asking for an appraisal when they already service my loan for over XXXX years and I have paid off almost half of my principal amount. Why would they even need an appraisal when they already service the loan. 
XXXX refused to talk to me or called back to explain or offer a path forward.
Consumer complaint received 2022-04-24
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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