davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-06
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (TX)

In XXXX of XXXX I lost my job, the account became delinquent in XXXX of XXXX. In XXXX of XXXX I contacted Flagstar in an attempt to bring the account current. Flagstar instructed me to contact Loss Mitigation, which I did in XXXX of XXXX. At this time I submitted the requested information to XXXX XXXX XXXX as instructed by Loss Mitigation. Flagstar contacted me and informed me that they were no longer working with Loss Mitigation. I believe that this is the point in which the account became entangled with multiple departments. Loss Mitigation instructed me to continue making payments, which I did. In XXXX of XXXX my payment was rejected and foreclosure proceedings were initiated. I continued to contact Flagstar to try and remedy the account. I was now dealing with Flagstar and XXXX, XXXX, XXXX, XXXX and XXXX, LLP as the foreclosure representative. I retained an attorney and neither my attorney nor I were able to get payoff information from Flagstar or XXXX, XXXX, XXXX, XXXX and XXXX, LLP after repeated requests. I finally got a payoff amount and paid the loan and legal fees in full. 

I believe that at the point that Flagstar ceased working with XXXX XXXX XXXX my account became entangled in Flagstar system and therefore foreclosure proceedings began. Was I able to complete the home retention program then the foreclosure would not have been initiated and it would not be on my credit report. My attorney requested a refund for over payments totaling {$20.00}, XXXX and got no response. I repeatedly requested a refund for the over payments and received a partial refund of {$5400.00} on XXXX XXXX, XXXX. I repeatedly requested an accounting of the account and all I ever received was a letter that stated they applied payments to my account. They refunded the {$5400.00} as a " good faith '' effort. 

I am requesting that due to the circumstances described above and that I was working in good faith with Flagstar as instructed that the negative foreclosure information currently on my credit report for Experian, Equifax and TransUnion be removed. I am also requesting that I am refunded the additional {$14000.00} ( {$20000.00} - {$5400.00} ). I would also like to be awarded damages from the settlement announced in XXXX XXXX.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I am writing to formally dispute the fraudulent accounts listed on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) 609. I have identified accounts that do not belong to me and have been opened without my knowledge or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you investigate these accounts promptly. Under FCRA 609, I have the right to request the disclosure of the information in my file, and I am also entitled to have fraudulent information removed.

Please be advised that you have four ( 4 ) days to remove these fraudulent accounts from my credit report. I am attaching my FTC identity theft complaint for your reference and further validation of my claims.

Thank you for your prompt attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-10-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (PA)

I filed an complaint with Chase on XXXX, I advised Chase that, Title XXXX XXXX. XXXX, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Chase are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Chase company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Chase are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Chase fail to respond in writing, signed by hand, in a timely manner, I will assume that Chase are in error and this matter will be challenged. As Chase further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Chase claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPBXXXX. 
As of today XXXX, Chase have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.
Consumer complaint received 2015-06-23
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE (KY)

I currently have XXXX car notes with Huntington bank. On XXXX XXXX my payment was due and mailed in in a timely manner as to not be late. The check was stamped and addressed but did not clear my account until late XXXX which put me past 30 days late. I feel this is unfair as I gave ample time for my check to arrive. I have a good credit rating beside this and the negative rating is greatly affecting me and my wife 's ability to do a refinance. our payment was clearly sent way in advance of the due date and should not be reflected as 30 days past due. 

Thanks, XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The companies response is a clear example of them not doing enough research or validation. Near the end they state " No one has ever been arrested for the crime even though I state its fraudulent " If they reviewed the police report I sent in previous contacts via email/USPS mail XXXX AND the FTC report XXXX if they actually conducted and investigation and contacted all parties, which they NEVER did. Not once did they contact the reporting police department to speak to the reporting XXXX to see what happened. Other companies did but not you guys? Oddly suspicious. 
It CLEARLY states in the police report, the finalized one that there is a warrant for his arrest. I know its hard to comprehend and understand, but usually there wont be an arrest when the person is on the run from the police. So. Once again, if you clearly did your research, youd know that there is an active case with an active warrant. But you guys dont look at supporting evidence did you? 
Then you state " that doesnt mean its not fraudulent just because they get no benefit ", but yet you dont state the supporting documents that I've submitted that prove its fraud. If you get out your desk chair and get to a phone and do actual research then maybe you guys wouldnt have wrote such an idiotic response that made no sense. 
It proves you didnt look at my supporting documents nor did you conduct adequte research. 
Everything you have said has been hearsay. Once again you mention its my personal email address. How do you know its my personal email? How do you know its not fraudulent? What led you to that conclusion? With absolutely no proof? So because the payments havent been disputed with a company that means its not fraudulent? Have you contacted the issuing bank to see who is the account owner for whoever made those payments? You didnt. 
Or that means like you said " It could be fraudulent " but you really dont know if it is or not. AND I think thats the funny part you guys have no real validation and this letter actually proves it so thank you for admitting you think it could be fraud with the proof you have, thats all I needed! And thank you for verifying you didnt read the police report / ftc report otherwise you'd know there was an active case and that IS mentioned. Once again, proves you didnt do adequte research. Shut case. XXXX be showing this to the credit lawyer I have an appointment with also so thank you and have a good day!
Consumer complaint received 2015-06-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: MEI AUTO FINANCE INC (TX)

I purchased a XXXX in XX/XX/XXXX at a monthly payment of {$500.00} due on the XXXX of each month. Due to a lay-off, I fell late with XXXX payment, but immediately brought the note current when I found another job about XXXX weeks later. As a result of being off for that length of time, I could no longer make the payments exactly on the due date, but make them every single month in full. The creditor MEI Finance/MEI Auto/Midpoint Auto ( XXXX XXXX XXXX XXXX, XXXX TX XXXX ) has decided to consistently call me no less than XXXX - XXXX per day. They call my job, they call my relatives telling them they will repo my car if I do n't call them by a certain date and time, this is after I have requested they stop calling both my job, family, and friends, and to stop calling me more than once per day. 
Again, I make my payment in full every month, never going past XXXX days late, but because I can not pay exactly on the XXXX, and they have no " grace periods '' according to them, they begin with the daily/hourly incessant and constant phone harassment and threats, and I would like it to stop!
Consumer complaint received 2015-06-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (TX)

I am XXXX now and badly needing help. I have been a good customer with Vanderbilt Mortgage since XX/XX/XXXX. I paid off the XXXX home in full with them. Then the outlawed grey pipes burst and destroyed the home. They convinced me under duress to put up my land for a downpayment on a new home. In XX/XX/XXXX, I started making payments regularly on my new home. After a good number of years, they made an accounting error and did not pay my land taxes or insurance escrow for a year. They demanded that amount of around {$4000.00} be paid immediately by me. I did not have it. Finally, they let me slide on their mistake for a year, then demanded it again. I did not have it. So they FORCED me into an in house loan modification. They did not lower the interest rate. They barely lowered the monthly payment, made me sign a note that threw my mortgage into a full brand new 30 year loan! PLUS they added a {$20000.00} balloon note on the end. The over 8 years of payments I had made which was mostly interest, VANISHED!!!! Now I recently had to lower the amount of insurance I needed on this home, to an amount that is not nearly enough, in order to make the INCREASING payments they are charging me. I am almost XXXX years old and can no longer work. My income is vanishing. I would be XXXX years old if I lived to pay this piece of junk falling apart XXXX/VANDERBILT home off. I LOVE my land and do not ever want to have to move. I have lived here 18 years. I am TERRIFIED I will end up losing my home. They have XXXX me worse than I have ever been XXXX in my ENTIRE life!!! I look at the new statements and out of an approximately a {$1200.00}. payment, only {$87.00} is going to the principal. The woman named XXXX who did this to me, is no longer there after telling me she would be there for the rest of her life. Is she in jail? She should be. XXXX I desperately need help and so I called the XXXX XXXX and they told me to come here. Please I beg you to help me. The original loan should have been paid off in 15 years. How on earth is this possibly legal? It can not be legal. I have been preyed upon and they also told me that if I did a land home package, it would increase in value like a REAL house as it would be legally " attached '' to the land. Well, they did not put it on a concrete foundation, so no one will refinance me. There are so many scammers out there saying they are HARP but they are not. NO XXXX will refinance me because of the way they set this whole scam up. IT WAS THE WORST SCAM AND I SEE THAT I AM NOT ALONE. JUST XXXX VANDERBILT AND XXXX HOMES. PLEASE help me! I am more than desperate. XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to formally dispute accounts that have been reported by your agency on my credit report. ( The accounts referenced are attached ). The accounts referenced was opened or charged fraudulently as a result of identity theft, and I request that it be permanently removed from my credit report. Please note that I have never opened or authorized these accounts. I discovered this fraudulent activity while reviewing my credit report, and I immediately filed an identity theft report ( The affidavit is attached ). In accordance with the fair credit reporting act ( FCRA ) and the fair debt collection practices act ( FDCPA ), I am requesting the removal of these accounts from my credit report, and that you cease all collection activities related to these accounts.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute inaccurate information from XXXX  XXXX XXXX XXXX that appears on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Under this law, I have the right to dispute any inaccurate, incomplete, or unverifiable information appearing on my credit file. This account is beyond the statute of limitations of seven years. Please remove from my credit report.

FCRA : Governs the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.

FDCPA : Regulates the practices of third-party debt collectors, ensuring that they provide accurate information and validation of debts.
Consumer complaint received 2015-07-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX/XXXX/2015 I went through a really bad separation from my partner. I went into Bank of America and had a teller assist in transferring all of my funds out of my joint bank account to a new bank account that was in my name only. Thirty minutes after I left the bank I received an email confirmation that my funds fell below {$25.00} in my old bank account, and I received a confirmation number that the funds transfer was complete. On Saturday XXXX/XXXX/15, the other party walked into Bank of America and withdrew {$600.00} from the account that should 've had a balance of XXXX. When I called customer service they told me that there were funds available in both accounts, which is crazy to me. On Monday XXXX/XXXX/2015, Bank of America did a reversal of the transfer from my new account back to my old account and said that since I transferred the funds on XX/XX/XXXX and set the account to close, that all transfers had been cancelled. They then overdrew my new bank account a lot of money and all of my purchases, including my rent payment that I made on XX/XX/XXXX almost bounced. I filled a claim with Bank of America and their claims department called me and told me that there was nothing they could do for me since the other party was on the bank account. My bank account is still overdrawn {$600.00} dollars since XX/XX/XXXX and they are refusing to take any accountability that they made a mistake when they transferred my funds. If I would 've known that doing the right thing but sitting down and having a teller help me with the funds was going to put my money in jeopardy I would have just pulled all my money out and went to a different banking facility.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2015-08-31
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I had an HSBC credit card that was charged off in 2007. The credit limit was {$500.00} and the high balance was {$790.00}. HSBC sold this debt to someone else. They are continuing to report this account on my credit report after 8 years? This was supposed to have been removed last year. This is doing severe damage to my credit report.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/Charge off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX XXXX Personal Information : Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Also Known As XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX Employers : XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting 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)

SOMEONE TRIED TO GET LOANS IN MY NAME, I NEVER GAVE ANYONE OR BANKS PERMISSION TO USE MY PERSONAL INFOR. TO APPLY FOR CAR LOANS AND INCLUDING BANKRUPTCY THAT DOESNT BELONG TO ME I NEVER APPLIED FOR BANKRUPTCY. FRAUDULENT INQUIRIES LISTED BELOW. ( XXXX XXXX; XXXX, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"