davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I was going over my credit file and I have several issues with inaccurate showing on my credit report. My name should appear as XXXX XXXX XXXX ( ONLY ) my DOB is XXXX my SS XXXX please remove delete any and ALL variation of my name, social and DOB. 
Name ID # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, ID # XXXX XXXX XXXX, ID # XXXX XXXX XXXX XXXX, ID # XXXX XXXX XXXXXXXX XXXX XXXX, # XXXX XXXX XXXX XXXX none of these are accurate please delete.
Consumer complaint received 2019-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Green & Sons Agency, Inc. (OR)

Outsource receivable debt collector for XXXX XXXX. With full knowledge that I'm a victim of identity Theft and that I'm not responsible for their errors in posting deposits on checks written to me for sale of my property, saying the checks cleared and I can withdraw funds as needed!!!! Later starting investigation, having the police speak with me, finding I'm the victim of a scheme. Then contacting the bank, being promised the debt will be CANCELLED.!!!! None of the above was ever done clearing MY NAME. WHICH IS VIOLATION OF MY CIVIL RIGHTS,, INCLUDING THE 8TH AMENDMENT.!! I NEED HELP SUEING ALL PARTIES.!!!! TRULY, XXXX XXXX XXXX
Consumer complaint received 2019-08-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (MI)

I have provided a brief summary below. See attached for a detailed timeline of events. 


In XXXX XXXX XXXX after having a purchase offer for a new home accepted, I began comparison shopping for mortgage lenders. On XX/XX/XXXX, after receiving a loan estimate from a loan officer at Better Mortgage, I informed the loan officer that I would be using Better Mortgage as my lender. For the next several weeks, Better Mortgage continuously stated that everything was going as planned, only to back out of the loan on the day that the loan closing disclosure documents needed to be provided in order to close the loan on time. Better Mortgage informed me that they were choosing not to fund the loan at this time because the closing date was more than 90 days before I was scheduled to start a new job. Throughout the process, I was honest and forthcoming with my employment situation and specifically explained it to a loan officer on XX/XX/XXXX. 


I was employed at Job 1 [ employer name withheld ] and living and working in XXXX XXXX   when I applied for the loan, but had accepted a job offer at Job 2 [  employer name withheld ] in XXXX when I applied for the mortgage. The start date for Job 2 is XX/XX/2019. The home we were purchasing is in XXXX. I was working at Job 1 at the scheduled close date and for several months afterward ( until at least XX/XX/XXXX ). There was no lapse in employment between Job 1 and Job 2. Each job pays a salary well in excess of what I needed to qualify for the mortgage. 


While it is obviously within Better Mortgages rights to reject an application, they chose to wait until the eleventh hour to inform me of their unwillingness to fund my mortgage. It is unclear whether this was due to intentional misrepresentation or gross incompetence. I believe that Better Mortgage may have been in violation of Title 12,  Section 1014.3 ( q ), which prohibits a lender from making a material misrepresentation concerning the consumer 's ability or likelihood to obtain any mortgage credit product or term On Sunday, XX/XX/XXXX, after it became clear that Better Mortgage would not fund the loan for several more weeks, I followed the advice of my realtor and began working with XXXX XXXX. The lending officer at XXXX sent me the closing disclosure documents for a XXXX XXXX-conforming mortgage on XX/XX/XXXX, while my start date for my new job was over 90 days away. There were no date restrictions on the disclosure document, and the loan closed on XX/XX/XXXX. When I chose to use XXXX XXXX, I was under a major time crunch because I did not want the sellers to back out of the sale. As a result, I was unable to comparison shop and was forced to accept a higher interest rate and higher closing costs.
Consumer complaint received 2019-08-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (PA)

Spoke with representatives and remitted 2 separate payments, {$510.00} for account ending XXXX and {$530.00} for account ending XXXX. Representative stated that, as per settlement agreements these payments would be accepted as " payment in full '' for account balances. I responded to the offer to retire these debts, and proactively reached out to the company. 

Credit report shows balance of {$480.00} for account XXXX and full balance for account XXXX. The company did not honor their part of the agreement ; it took the one payment {$530.00} applied it to the balance but did not update balance to XXXX  as agreed on their recorded line and documents mailed to me. Secondly, the company took the agreed settlement amount for account ending XXXX and simply did not report any payment all. 

The company has violated their part of an agreement initiated by themselves. 

I spoke with representatives today ( 3, including one supervisor ). All of them attempted to transfer me to someone else and not one of them could give a reasonable explanation of why my payments are not reported and/or why they are not honoring the settlement agreement. 

American Express has misled me into believing that if I remit a fixed amount - settlement amount - they would accept those payments as " paid in full ''. However, they have completely abandoned their part of the arrangement.
Consumer complaint received 2019-08-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO. (OH)

Chase bankAd claims 48 month loan at 2.38% for checking account patronsOnly able to apply onlineOnline application either “doesn’t work” or “disappears”Going online WITH an agent does not help. ( getting an agent is a Herculean event)In any event, agents online and at the branch assure me that I will never get the 2.38% anyway, “ No one does”I have been a long time customer at chase and have always had an excellent credit score.Isn’t this cheating?
Consumer complaint received 2020-04-23
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on Apr XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.
Consumer complaint received 2019-08-09
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (WI)

I told the loan officer I did not want my credit score ran. He said it wouldnt affect my score, so I assumed he meant a soft pull, since pulling your credit does affect your credit score.  So I gave them my information, which they are saying is evidence that I wanted him to run my credit. I escalated it and the resolution advocate said they dont reverse them because it would affect them adversely, so she didnt care that I was manipulated.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I have XXXX mortgage hard inquiries date XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX being reported on my credit report. Additionally, I have a hard inquiry from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. I do not and have not had a mortgage through XXXX XXXX XXXX XXXX. My mortgage is and has always been through XXXX XXXX as reported on my credit report. Secondly, I have banked with XXXX XXXX XXXX XXXX since XXXX. I have not requested any banking products from them since XXXX. I have sent dispute letters requesting these inaccurate inquiries be removed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The company refuses to remove the inaccurate information from my credit report.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

EXPERIAN IS SHOWING A BANKRUPTCY ON MY CREDIT REPORT. 
THEY MAILED ME TWO DIFFERENT LETTERS, THE FIRST ONE STATED THAT THEY VERIFIED IT WITH THE COURTS, WHICH WAS NOT TRUE, I CONTACTED THE COURTS AND WAS TOLD BY THE COURT CLERK THAT THEY DO NOT REPRT ANY INFORMATION TO THE CREDIT BUREAUS BECAUSE IT WAS AGANIST THE LAW, I NOTIFIED EXPERIAN AND TOLD THEM, THEY MAILED ME A LETTER STATING THAT IT WAS VERIFIED WITH XXXX XXXX, I CONTACTED XXXX XXXX ND THEY STATED THAT THEY DO NOT HAVE A BANKRUPTCY SHOWING ON MY FILE, I HAVE MAILED THEM CERTIFIED DOCEIMENTS TO PROVE WHAT I WAS TOLD.
Consumer complaint received 2020-04-23
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (GA)

Fay Servicing is playing hardball especially during the XXXX. They listed that they are here to help and they are not They're not willing to work with me even though there is over {$100000.00} worth of equity in the home. I have been in this house since 1997. I'm XXXX XXXX XXXX and on a fixed income. In addition, my husband has been deceased for 10 years and they keep listing him on the loan. This has also caused problems for my son who has the same first name but was only XXXX XXXX XXXX in 1997. I simply have been trying to get them to roll the arears on to the back end of the loan so that I can move forward. My monthly pension has been reduced by {$600.00}. I really need help. I'm not trying to get additional money, even though that would help. I ust want to remain in my house. They make the process so difficult. Fay Servicing has requested for me to pay an additional XXXX or XXXX additional dollars a month. If I'm struggling to make the payment now I certainly can't afford to pay any additional monies. My house is scheduled for foreclosure on XX/XX/XXXX. I really would appreciate any help you can give me. Thank you kindly.
Consumer complaint received 2020-04-23
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)

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about this item on my credit report - XXXX XXXX Home Mortgage I wish to the original sources of the information reported including, but not limited to, the original contract with my signature.
Consumer complaint received 2020-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (UT)

In XX/XX/2019, I paid off a home mortgage. The company servicing the mortgage, LoanCare LLC acquired by XXXX, immediately closed out access to the escrow account which denied information needed by me to audit the account. XXXX failed to provide a 2019 IRS Form 1098. Although I've made repeated attempts by written correspondence telephone and internet to access the account, XXXX has only responded by automated means denying that the account ever existed. My records indicate that about {$500.00} of excessive escrow funds remained in the account. 

For the past five months, XXXX has failed to respond to my requests by written correspondence, telephone calls, and website postings to resolve this issue. A complaint made by me to the XXXX XXXX XXXX regarding XXXX failings only resulted in an ineffective form letter from XXXX sent to the XXXX. 

In my opinion, XXXX is a debt collection agency posing as a mortgage servicing company for the purpose being involved in cash flow. Their customer service is virtually non-existent. The company 's disregard for providing financial info needed to resolve issues and failure to provide an IRS Form 1098 verges on fraud.
Consumer complaint received 2018-10-27
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: Waypoint Resource Group, LLC (FL)

At the beginning of XX/XX/2018 I started to receive notifications that Waypoint Resource, Group XXXX XXXX XXXX, XXXX XXXX, TX XXXX had place a bad debt on my credit report with all 3 bureaus. On XX/XX/2018 I sent Waypoint a letter to validate this debt as prior to and up to now I have never received any type of correspondence from this company. I also mailed a copy of this letter to all 3 credit reporting agencies. I never received any response from Waypoint however each bureau responded by saying the debt doesn't currently appear on my report when it actually does appear on each report.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2023-08-16
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. (TX)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2023-08-16
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. (NC)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ). 
I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax,, experian, and XXXX did not modify or removed anything. 
The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports. 
Which is a violation, this is impacting me from moving forward to buying a house for my family I attach my previous credit report and my new credit report to show how XXXX violated my rights.
Consumer complaint received 2020-04-23
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On Tuesday, XX/XX/XXXX, upon request, I spoke via telephone with XXXX XXXX XXXX, USAA Member Advocacy, Office of the CEO. Her office telephone number is XXXX, XXXX. 
During this call, XXXX XXXX stated to me that USAA has never reported a 30 day late to my Credit Bureaus, Further, also revealed to me was that my account was actually on a pay-a-head schedule, ( which I was not previously aware of ). In fact, I had often wondered why payments that I would make for a given pay- month cycle would NOT SHOW as having been applied to that months balance, as the payments were received/posted by USAA XXXX In fact, it did appear that these payments were routinely not posted until the next statement date. If this is a correct and normal accounting practice, I can easily imagine that there is significant impact to the interest that an account generates, much more than warranted. My monthly minimum payments have, frequently, been very large, often over consecutive months. For me, these payments have been budget-busters because as a senior I am on Fixed income, but, somehow, I have managed to mostly keep pace. If I am correct, this is an extremely unfair accounting practice for the consumer and should be abandoned/corrected by USAA. 

As evidenced by the Attached XXXX XXXXXXXX XXXX Report, USAA did report a 30-day late on my account in XX/XX/XXXX, and, another 30 -day late report was actually threatened by a USAA representative for a XXXX, XXXX payment, actually made on XXXX XX/XX/XXXX, within the XXXX Payment schedule period, but, again, not posted ( I assume, until the XX/XX/XXXX Account Statement date ). I assumed that this threat was due to an overzealous attempt by an USAA agent to collect a debt. Also, the XXXX   Attachment Credit Report shows the dates of Payments made and the often Large amounts of these payments and over the course of two years how little of the total of payment amount actually went to reduce the principal balance I made no or very few purchases/charges to the account during this two year plus period. 
I contend again, that I have not been 30-day late on my account and that the existing 30-day late on my credit bureau for XX/XX/XXXX should be removed as soon as possible. 
I am also attaching a copy of my USAAs Statement of account dated XX/XX/XXXX.
Consumer complaint received 2023-08-16
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)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (NJ)

Closed an account with Amex in XX/XX/XXXX. A charge was charged to the closed account in XXXX. Amex did not send any statements. Noticed in XX/XX/XXXX that the credit report has a transaction 60 days past due. Called Amex, paid, and asked to reverse the credit reporting since they did not notify or sent any statements to me. Looking at the credit report, reporting for XX/XX/XXXX for this account still shows 30 days past due
Consumer complaint received 2019-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX my mother was served with papers for an amount owed to Bank of America in my name for {$1300.00}. I was not living at home during this time and had since forgotten about this debt, I have moved since then and recently received a form to garnish my wages on XX/XX/XXXX for a total of {$1600.00} that was removed @ 25 % of my total check, it was taken from 4 consecutive checks. I did not file an appeal and I did not file a payment arrangement as I am a single mother and I do not live in XXXX county at this time so going down town would not be an easy task, I figured if they garnished my wages this debt would be resolved and I would not have to deal with this again. I recently received another form to garnish my wages again now for a total of {$1700.00} The last garnishment was very hard for me and I was told once this debt was resolved for {$1600.00} the debt would be gone, to receive another order for more garnishments is not only confusing its make me sick to my stomach as this will be a total of {$3300.00} I do believe I have paid the debt that was owed and ask for any assistance to remove this order for further garnishment.