davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PHH Mortgage Services Corporation (NY)

Please note that this is my second complaint against the same company regarding the same mortgage.     I am purchasing a property for the first time. I was advised to lock in my mortgage rate, guaranteed that I would receive a loan commitment letter the following business day  ( Monday ).  I did not receive it until weeks later. I am purchasing a co-op, and the process is lengthy, every single day of a rate lock counts. I advised the mortgage company that I did not want this rate locked in any longer, as I did n't receive the commitment letter timely.     Additionally, it came to my attention that my credit was run by  PHH another time before my rate lock, and a delinquent account appeared. I was never advised of this account by anyone at PHH,  and only knew this affected my rate until early  XXXX  when   XXXX   advised me  ( 2 mon ths later ).     I am now being told that they can not change my rate, and that it was extended after I advised a supervisor at   PHH that this was not what I wanted.
In addition to this, I was told that I can not lock in another rate unti l 60 da ys after my current lock expires. This is unacceptable, as the only reason the current lock even occurred is due to PHH being unethical in their practice  s and misinforming consumers.
Consumer complaint received 2017-05-05
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: JPMORGAN CHASE & CO. (CA)

CHASE CARD did  n't replying in a timely manner to my initial letterS or have they to date after certified mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they  may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted in CURRENTLY FILING a s mall claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am filing lawsuit against  XXXX ,  XXXX   XXXX   XXXX  for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

XXXX Calendar Days have been exhausted from the XXXX XXXX Calendar Day violation ; all negative information must be deleted ( this is the XXXX respectful request with XXXX  % verifiable proof via the CFPB )
Consumer complaint received 2017-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

O n  XX/XX/XXXX ,  I sen t Lexis Nexis ( Consumer Center ) Attn : Full File  Disclosure,  XXXX , GA  XXXX , a certified letter along with supporting documentation regarding a Tax Lien from  XXXX   County Superior Court  ; Case ID #  XXXX , filed  XX/XX/XXXX  in the amount of {$1800.00}.     LexisNexis has been reporting to  XXXX  completely inaccurat e information. First of the a ll, the tax lien originated with the  Georgia Department of Revenue ( I ncome Tax Lien Section )  ; Lexis Nexis  has the Case ID #  XXXX  ; In addition, the lien was released o n  XX/XX/XXXX  ; Lexis Ne  xis has it being released on  XX/XX/XXXX . Furthermore, On  XX/XX/XXXX , and  XX/XX/XXXX , I disputed the sa me tax lien with  XXXX  reported by  XXXX   County Superior Court ;  Case #  XXXX  ; Amount : {$1800.00} in the file of  XXXX  maintained under my Social Security number.     I was informed on   XX/XX/XXXX  t hat the item was deleted from my credit report.   Now I discovered that the item has been reinstated on my credit report.   In accordance with the requirements of the FCRA sectio n 611 ( a ) ( 5 ) ( B ) ( ii ),    XXXX   was required to notify me of the reinsertion in writing within  5  business days.   ( B ) Requirements relating to reinsertion of previously deleted material (  ii ) N otice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than  five ( 5 )  business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.I WAS NEVER NOTIFIED OF SUCH REINSERTION OF THIS TAX LIEN ON   XXXX     CREDIT FILE UNDER MY SOCIAL SECURITY NUMBER.      Please validate this information with  XXXX   County Superior Court and  h ave Lexis Nexis  provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file maintained under my social security number. I do not consent to  XX/XX/XXXX  or any means of automated verification, which is exactly what LexisNexis is doing along with  XXXX      Note : The  Georgia Department of Revenue n or The  XXXX   County Superior Court N EVER RELEASE ANY INFORMATION TO CREDIT REPORTING OR CONSUMER REPORTING AGENCIES. I have accompanied proof of this fact.     I have accompanied this dispute with supporting documentation.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

On XXXX XXXX a collection that had already been removed from my credit reports have appeared again with the same company. The Name of the collection agency is called XXXX XXXX With an account # XXXX I have never dealt with this company before and have no idea what it is for. However it appeared last year and was removed last year. Today it re appeared on all three of my credit reports from XXXX, Equifax and XXXX. I am requesting this account be removed from my credit report as soon as possible. Thank you
Consumer complaint received 2017-05-04
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (AL)

Need proof showing my  XXXX  score was a  XXXX  on    XXXX   XXXX  ..i tried several times to get proof from the manager and I 'm not getting anywhere..i also asked for papers showing I did n't close on the house and have n't got those either ..
Consumer complaint received 2017-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kansas Counselors, Inc. (MO)

I was NEVER notified by phone or mail of this debt and it just APPEARED on my credit without notice. Furthermore, it looks like the original debtor of this erroneous debt  was   XXXX   XXXX   XXXX   XXXX , and they appear to have sold it to Kansas Counselors, account was opened in  XXXX  therefore the contract is CANCELLED and i should not be contacted about this debt again. Please remove this debt from all bureaus asap. Im trying to buy my first home and this unknown debt is really affecting me ''
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2017-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

CENTCREDSERV reported that I owe   XXXX   different medical bills   XXXX    for {$77.00} and another for {$79.00}. I spoke with them and gave them my information and they realized this incorrect and they had reported it on my credit wrongly. They said then I have to call their   XXXX   branch to resolve this even thou the number on the credit report was the one I called to get them not their branch in  XXXX . The number they gave me was  XXXX  and every time I call it keeps saying, " due to high call volume we can not answer your call. Please leave a message and we will call you back ''. I have left now 6 messages over the last 3 days and no call backs. the number they gave me just keeps saying the same thing. I called back CENTCREDSERV and told them that the number they gave me is no good and their reply was " keep trying '' I told them why should I keep trying that number when the contact number on my credit report shows this one I am talking to you on now? they would not answer and just kept pointing me to the other number. They will not help.
Consumer complaint received 2017-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (FL)

In  XXXX   XXXX , my husband and I, both opened an account with Navy Federal Credit Union in  XXXX   XXXX  Kentucky. We moved to Florida in  XXXX .   I 'm  XXXX  and on a fixed income, and my   XXXX   XXXX   check went into my account, and my husband added me on his account so I could pay bills out of his account, where his military  XXXX  and   XXXX   XXXX   funds are direct deposited. My account went into overdraft, and was closed one year later, in  XXXX   XXXX . I went on an agreement to pay {$50.00} a month until the {$480.00} was paid off on my closed account. My Atm Card for that account was deactivated. Fast forward to  XXXX   XXXX ,  XXXX , my ATM Card for my joint account with my husband is deactivated. I ca n't get cash out from no Atm. I go  XXXX  miles to the only branch to get a replacement card, and was refused a card. I was never notified that the agreement I made in  XXXX   XXXX , the {$50.00} for my closed account was never received. Never notified, I thought it had been settled. I was told at the branch, No it has n't been settled and that 's why my atm card had been deactivated. No, it will not be reactivated until I pay off the overdraft on my closed account. I could n't understand, what that account had to do with the joint account. I came home, and called the banking facility customer service number, and again they tell me the same thing. They would issue me another atm card to the joint account after I pay off the closed account. I got upset, and asked to speak to a Supervisor. The Supervisor was a little  XXXX  with her position, and told me you have a closed checking account, and you opened a checking and savings account with {$5.00} and you never put anything in the savings account, and we will not issue you another card until your debit is paid off. For the life of me, I could not understand what the closed account had to do with the joint account. When was it wrote, that you are supposed to save money in a savings account. The savings account was their stipulation to open an account, and all of our Direct Deposits  XXXX  of them went into the joint account, after my checking account was closed. I do n't know if I 'm being discriminated against because of my race, or because of my class. I 'm not wealthy, and yes we struggle to pay our bills, but I ca n't pay the bills we do have, if I 'm denied access to the funds, the only branch is  XXXX  miles away. That 's what they told me, you can always go to the branch to make withdrawals. They act as if they do n't want my business. I do n't want to close this account that we do have, because our rent, medical, and food come out of this account, and we are trying to buy a home, and we have had this account since  XXXX   XXXX . Do n't want to change now. I will not be buying a home thru them, plus they turned us down on a car loan too.
Consumer complaint received 2024-10-22
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)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-21
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. (NY)

Im writing today because I sent a cfpb complaint to equifax about a XXXX  XXXX account that is not reporting accurately. They are claiming my account was late but the information is wrong on my report and according to law credit reporting agencies are suppose to be reporting with 100 Percent maximum possible accuracy. this is not the case with equifax. I sent cfpb complaint number : XXXX. The dispute i sent to equifax does not match the response they gave me at all. Its like they are letting a computer do the work for them. I wrote them in regards to the late payments on my account being fraudulently reported not about my account being a fraudulent account so the response to my dispute is irrelevant to what they investigated. I believe equifax is not thoroughly reading and conducting a proper investigation. This is a violation to my rights and a waste of my time to be waiting over month for them to send me results that do not pertain to my dispute this is unacceptable and CFPB needs to take action against this company. The account i am refering to is XXXX XXXX account number XXXX. this is my second cfpb complaint about this account and about this company. Something needs to be done. Next thing Im doing is taking equifax to court. Best believe i am stacking my evidence.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Consumer complaint received 2024-10-21
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)

After reviewing my credit report, I have noticed hard inquires I do not recognize. I have contacted all 3 CRAs, and they refuse to dispute or investigate the inquires. Attached is an FTC report indicating all the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries. Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2017-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

I have a credit card from Chase Bank  NA  for which last month I did not receive my credit card and I did not realize it until yesterday. Today I made a payment of {$100.00} via their online system. Then I called  Chase C.S.  spoke with a Representative whom I explained that I did not receive last month 's statement and I was charged a late fee of which I refused to pay. He informed me that the bank is open   24 hours a day 7 days a week for which I told him that I am not available 24/7  being I have my own problems to take care of. Further he point blank refused to issue the credit of {$29.00}. I then spoke with a Supervisor who was informed who I was but that was not enough for her being she requested that I tell her anyway of which I refused being I felt that it was uncalled for.
I requested to talk to her Manager but she refused and said I must have a call back within 24 to 48 hours. I refused as I did not want to wait. In all honesty I am really angry being I have paid several late fees in the past when I did not get my statement ( s ) and now I will not pay this {$29.00}. I expect Chase to remove this late and if they even attempt to report the missing payment to the credit and d  estroy my credit I will take legal action against them. Several times I had a problem with them and I never filed a complaint against the bank but now I am really done excusing the Chase.     I am not obligated to chase after the post office looking for my statement nor am I obligated to go crazy making sure Chase sent me my statement. The pushes the blame on post office for not delivering the statement and hold me liable for not calling them if I do n't receive it. Well I am sorry I hold them liable for not receiving it and the post office as well.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

My Equifax credit report reflects    XXXX    different  XXXX  accounts with  XXXX  different balances. I have repeatedly requested a copy of any signed agreement between myself and   XXXX   XXXX    Neither Equifax or   XXXX   are able to produce any such agreement establishing the accoun t. Even though no contract or agreement exists, Equifax refuses to remove the fraudulent information from my account. My application to refinance my home has repeatedly been denied due to this fraudulent information. as a result, the home has been foreclosed on. I have lost my home due to Equifax and   XXXX    XXXX   fraudulent information.