davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
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: EQUIFAX, INC. (NY)

I came to learned of XXXX XXXX  XXXX XXXX account reporting on my credit report some time back, I call the Back inquiring about the account 's and all I could get from the Bank is that they can't find my information in their system and they will investigate it and let me know the outcome in writing. months go by and nothing from the Bank, I would call again and they would be told me the very said thing and I would wait again and still nothing. 
I sent a letter this time on XX/XX/XXXX outlining my issue and demand that they send me proof that the account belongs to me or remove them from my credit report. but yet again I got no response. when I call in XXXX of this year, they give me the same story that there is no information in the system with my personal information and that they will send it to a special team to investigate and they gave me a case number XXXX  XXXX to show that my complaint was logged this time. I was also told that they will contact me within XXXX business days with the findings, but yet again nothing. I send another letter on XX/XX/XXXX requesting the above information and demand and follow-up with a phone call and was told the same thing that they will get back in writing to date, I have heard nothing and the items are still reporting on my credit report. these accounts were open fraudulently and should be treated as such. and I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services or for any other purpose as described. I also did not receive any money, goods, services, or other benefits as a result of the events described above. and I'm willing to work with law enforcement if charges are brought against the person XXXX XXXX XXXX  who committed the fraud but XXXX XXXX XXXX made no attempt to investigate the accounts nor do they made any attempt to rectify the inaccurate reporting to my credit report.
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I paid a state tax lien in XX/XX/XXXX. The amount of the lien was originally XXXX. However, since I had moved the interest had driven it up to XXXX. The later is the amount that was paid to the Georgia department of Revenue. They sent me a letter of Cancellation on XX/XX/XXXX. I sent this letter, copy of cancelled check to Equifax for deletion. Instead of deleting it, they changed the docket number and said that XXXX XXXX is responsible for having it removed. So, I contacted XXXX. Again, was told that it was Equifax 's decision. 
Today I called in to get this removed under the XXXX XXXX of XX/XX/XXXX. The enclosed lien that is filed does not have neither my Date of Birth nor my full Social Security Number on it. I was told that they investigated and the lien stays. He also told me to call XXXX XXXX Superior Court Clerk to get a deletion letter. I called and spoke to XXXX. She told me that they do not do deletion letters and that the letter of cancellation should have been enough to get this item deleted back in XX/XX/XXXX. 
I ask that you please investigate Equifax and their not handling this issue correctly. Please see enclosed lien and other documentation
Consumer complaint received 2018-01-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jvs group (TX)

I have disputed this claim numerous times to the with XXXX and XXXX. I have received a letter from JVS Group  informing me that I need to quit disputing it because I owe the debt, but I have yet to receive anything to prove that it is my debt. It is supposedly a debt from my local hospital, but my local hospital has no record of this debt that is allegedly owed.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CORELOGIC INC (FL)

Hello, I have repeatedly sent the documentation requested to CoreLogic Teletrack to get my report and place a freeze yet they continue to sent me letters requesting documentation. I have also requested to be opt-out.
Consumer complaint received 2019-12-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

We are homeowners whom have experienced financial hardship caused by health illness and want to retain our home. The servicer claims we do not qualify for a loan modification due to a payment increase followed by a prior loan modification during XXXX. The existing loan modification the servicer is referring to has no value on its face pursuant to Florida Statute 687.0304 ( 2 ) for the following reasons : 1. Pursuant to Florida statute 687.0304 ( 2 ), a loan modification is not an agreement if is not signed by both, borrower and lender. The agreement reflects that it was not signed by the lender at all and therefore we never had an agreement.

2. The loan modification has no enforcement in the state of Florida for the following reason : The loan amount increased due to the loan mod and the lender failed to pay the requisite taxes rendered the note and mortgage unenforceable, making the instruments unenforceable when the final judgment was entered, Florida Statute 201.08 ( 1 ) ( b ) and 199.282 ( 4 ), respectively imposes a documentary stamp tax and intangible tax. Fla. stat 201.08 ( 1 ) ( b ). Fla. Stat. 2018 199.282 ( 4 ). Fla. Stat. 201.08 ( 1 ) ( b ), " The mortgage, trust deed, or other instrument shallowing not be enforceable in any court of this state as to any such advance unless and until the tax due thereon upon. 
The lender never paid the intangible tax as it is required by the State of Florida and therefore the note does not have any enforceability. 

It is obvious that we never had an agreement. We are requesting mortgage assistance, the lenders excuse in that loan mod can not be offer due to prior loan mod that would make the loan payment increase is not acceptable, the document it self revelas that we never had an agreement. On XX/XX/XXXX, we provided the servicer a full complete financial package to be review for a loan mod and are awaiting for the outcome.
Consumer complaint received 2020-09-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

my account was hacked and money was wire transferred out ( {$5000.00} ) this happened on XXXX.The bank said I helped the scammers. I thought I was helping the bank unfreeze my account. During the back and fourth with the scammers I became suspicious and tried to contact the local office of the bank, all I could get was a recording saying they were busy helping other customers and i should call back later.I was left high and dry by the bank and now they are saying it was my fault.
Consumer complaint received 2020-05-16
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 Check My Credit And I was so amazed That I'm a victim of identity Theft someone has been Using My credit for there benefits, they went shopping for a car and tried applying For Credit. This is crazy, I'm Highly Upset about This Situation I did not give anyone Consent to open Any Accounts using my personal Information this is Fraud on all Accounts.
Consumer complaint received 2020-05-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (HI)

I am dealing with Mr Cooper who is very difficult to get a live person on the phone. The only option was forbearance. I have had the loan for over 12 years, been a few days late in mortgage payment twice, it was a 5 year arm and then went to variance percent. It has more than doubled since XX/XX/XXXX and because I am not working they will not allow me to refi to get a lower monthly payment. Also I can not put my husband on the loan because they said that would be a refi. Mr Cooper told me to go directly to FHA. 
I then went directly to FHA which took days to get a hold of and they told me the wouldn't work with me to get a fixed rate loan and get a manageable payment, the best I can do is a forbearance plan. My husband is a vet but because he is not on the house ( and he does have a low credit score ) we cant get a va loan. 
I have made payments every month and am only {$2400.00} or one month behind as of XX/XX/2020. While we can make payments we just need them manageable. Mr Cooper is not even nice when you do speak to them reminding that I have been charged all the late fees and interest during this pandemic!
Consumer complaint received 2020-05-16
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: EQUIFAX, INC. (MS)

On several occasions, I have, to no avail, been disputing erroneous tradelines that have been reported to my Equifax Credit Report. Once the credit reporting agency responded stating that the erroneous tradelines where verified by the furnishers as belonging to me and accurate, I requested from the credit reporting agency a description of the method that they used to verify the erroneous information. The credit reporting agency has failed to provide that information to me within the allotted time frame but is still reporting the erroneous information on my credit report.
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report.
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I submitted a Second written request in writing to Equifax, on XX/XX/2019, to have a copy of the original creditors documentation and signed contract on file. to verify that this information is mine. After the first investigation. I still have not been provided any original documentation under Section 609 ( a ) ( 1 ) ( A & Section 611 ( a ) ( 1 )  ( A ) by mail, I continue to receive emails from the Equifax credit bureau that the account have been updated and verified and is still listed as an open reporting account. Acct # XXXX XXXX XXXX XXXX {$390.00}
Consumer complaint received 2018-01-30
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. (MI)

I sent a request for an investigation to TransUnion Credit Bureau on XX/XX/2017 concerning 2 Federal Tax Liens : one in the amount of {$33000.00} and the other in the amount of {$930.00} as well as a Collection account on XX/XX/2017 in the amount of {$1900.00}, as well as the request for removal of numerous inquiries which I have included in the PDF attached. They in turn sent me a letter stating that these aforementioned items were not on my report. I've included the latest Credit Report clearly showing that all such items are clearly there.
Consumer complaint received 2021-01-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (WV)

I applied for a convention mortgage for a purchase with quicken/rocket mortgage in late XXXX. When a closing date was set for XX/XX/XXXX I requested to see my closing disclosure on Friday XX/XX/XXXX. I had not seen an updated Loan estimate since application. When I contacted the closing specialist I was provided with a snap shot of the loan details. Such as loan amount interest rate and first payment date. I also have a screen shot of what information there was. However I had specifically requested to see my closing disclosure so I could see exactly what the fees where. I was then advised I would see that at closing. I quickly protested that I wanted to see my closing disclosure which I should be provided 3 days before closing. After several phone calls, I was sent the closing packet that included my CD. My CD was incorrect as I did not want escrow which I had communicated before we ever went to a closing team. I told my closing specialist she would have to check on that. I never heard back until XX/XX/XXXX. In which I was told the wire had been sent and it couldnt be changed. I believe this was a ploy to pressure me in to closing. However, I said that my loan documents were not right and I wouldnt sign incorrect documents. At that point I was told they would recall the wire and work on removing the escrow. As of today XX/XX/XXXX I have not heard anything from the closing specialist. When I log in to my account it shows my loan has closed and that I owe them a payment as of XX/XX/XXXX. I have also received a XXXX for a loan I do not have. As of today XX/XX/XXXX I have been on the phone with the company for over two hours with no help or resolve. I am extremely upset over their customer service as well as their poor transparency in making sure I see necessary documents such as the loan estimate and closing disclosure. Not to mention the loan that I am showing due for that I didnt take.
Consumer complaint received 2020-05-16
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: EQUIFAX, INC. (MS)

Yes I have been saticefied with the actions of credit bureau when comes to my credit. I have submited Identity Theft Reports to bureau 's and there are still Addresses and accounts that they refuse to take off and it is affecting my ability to get credit. And I'm looking to buy a property in the near future.
Consumer complaint received 2020-05-16
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. (TN)

I just received my credit report update by XXXX Report As Of XX/XX/XXXX. XXXX is still showing my legal name as my mother name XXXX XXXX on my consumer credit report and they have also added a collection account that was deleted from my consumer credit report back in XXXX XXXX XXXX XXXX and they also balance updated on XX/XX/XXXX. I never received a written letter from XXXX letting me know that this collection has been Reinserted back to my consumer credit report 5 days before or 5 days after letting me know that they were adding this collection back to my credit file. It took me over a year to get that account removed for improper misuse. Equifax has a name by XXXX XXXX XXXX and I guess with her credit file merged into my consumer-credit report. XXXX, Equifax, and XXXX have all damaged my credit. Under the Fair Credit Reporting Act ( FCRA ), I have a right to the fair and accurate reporting of my credit information. I am also entitled to certain privacy rights concerning my credit information and protection from the misuse of my credit information. XXXX, Equifax, and XXXX have caused severity violation to my consumer credit report and have willfully violated its obligations under the FCRA.
Consumer complaint received 2018-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX ( XXXX XXXX ) did not pay real estate property taxes even though I have an impound account. Wells Fargo stated that they paid property taxes in XX/XX/2017. Upon further research, I identified that Wells Fargo paid the property taxes for the wrong property. I informed them of this and they said they would investigate. Wells Fargo stated that they paid the real estate taxes for my property but when I check it has not been paid and are now delinquent. In addition, I did not receive my money back for the property taxes that were paid on the wrong property.
Consumer complaint received 2021-12-17
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. (MD)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report on this day over 30 days l have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) of the Fair Credit Reporting Act clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items fro my credit report it have been over 30 days, as a result these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

Mortgage Paid Off to Mr. COOPER- Texas in XXXX of XXXX Called Mr. COOPER XX/XX/XXXX to find out when my escrow checks will be mailed. 
I am owed a total of {$1600.00} which includes two checks of {$1300.00} and {$290.00}. Have called since then several times. Dates of XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. Excuses have been used from associates of Mr. COOPER that the checks were sent to the wrong address, bank declined wiring of checks and other excuses. I had the situation escalated to their " escalation '' team. I was assured the checks were going to processed XX/XX/XXXX. I now have continued to call with no call backs or information. No check has been received. They have my current address, which they have had, and my phone number along with email address. I have paid my mortgage in full and they have owe me this escrow. I have also never had a late payment with this company. 
Please assist is retrieving my escrow that is due to me.
Consumer complaint received 2021-01-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2018-01-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bay Area Receivables, Inc (MD)

Hi I requested Proof of Validation of Debt XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have not received this was sent certified mail and they did sign for the documents that I sent.
Consumer complaint received 2018-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

WENT ON LINEXX/XX/XXXX & WAS ABLE TO ACESS MY CREDIT CARD. THE ONLINE WEB SITE STATED I HAD A LINE OF CREDIT AVAILABLE IN THE AMOUNT OF {$11000.00} WITH A BALANCE DUE OF {$4900.00}. I PAID $ XXXX.0N ONXX/XX/XXXX AND THE PAYMENT WAS ACCEPTED. WENT ONLINE ON XX/XX/XXXX. THE WEBSITE SAID I HAD A LINE OF CREDIT OF {$11000.00} OF WHICH {$9200.00} WAS AVAILABLE I PAID {$2400.00} TO XXXX  OUT THE ACCOUNT. THE PAYMENT WAS ACCEPTED. PLACED AN ORDER WITH A SUPPLIER. TRIED TO ACCESS THE CREDIT CARD ONLINE TO CONFIRM THE ORDER WAS PLACED BUT WAS UNABLE TO DO SO. CALLED CUSTOMER SERVICE TO FIND OUT THEY CANCELLED MY CREDIT CARD. 

I AM UNABLE TO ATTACH SUPPORTING DOCUMENTATION SINCE THE COMPANY HAS LOCK ME OUT OF MY ACCOUNT. I AM TRYING TO OBTAIN STATEMENTS REGARDING MY ACCOUNT FOR SUPPORT DOCUMENTS
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I talked to a CSR around XX/XX/2017 about spreading my payment out over a year because I needed to do major repair on my car and the rep and I kinda went back and forth about how to handle making the payment I wanted to be sure that I won't be reported late and she did let me know it wasnt in the contract to do that what she could do is allow me to spread the payment but what she didnt warn me of that my payment would be reported late every month until I paid all the money I owed, so 4 months later and I'm still being reported late. I made the last payment on XX/XX/XXXX that made me current on all payments and then on XX/XX/XXXX I received a notice from TransUnion saying I was 30 days late again I really need this to be resolved I'm also in the process of buying a home so your help is greatly needed and I have proof of all payments and, I also need to make it clear that up until this time I've never missed a payment and if I had known that it would be reported late I would have agreed to this atrocity.