davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I attempted to dispute some information on Equifax report. On my first attempt, I filled out the appropriate fields and verified my information. I was about to submit my request for the first dispute when the system kicked me out and said there was an error. Again, I went back to Equifax and upon correctly validating my information I was told that " The information you provided does not match our records so we are unable to process your request online. '' Equifax then asked me to fax in my dispute with a copy of my driver 's license. I tried once more, even asnwering the identity verification questions again and was given the same response. Now, when I attempt to initiate a dispute with Equifax 's credit reporting, I am no longer directed to the validation questions but am instead immediately asked to fax in my dispute as my information did not match their records. If Equifax had no record of me, how I was able to successfully log on to their site and begin the process of disputing the reporting? I would like this error to be corrected and be given access to my report so that I can dispute the inaccurate information. I even tried to access my Free Annual Report so that I could obtain a confirmation number ( much like the report numbers you get from XXXX ) and use that number to launch my dispute but was instructed to MAIL in a copy of my license and Social Security Card in order to validate my identity. It is insane that I would be expected to mail or fax any documents to Equifax after already having validated my identity and being allowed to start the dispute process. 

There were XXXX accounts listed that were not mine and XXXX account that could not belong to me as I have not opened any new credit accounts this year. I have attached the incorrect information as it appears on my report made available to me by XXXX. ( Even though, I am unable to dispute this information VIA XXXX as they redirect me to Equifax 's website which refuses to acknowledge that I exist. )
Consumer complaint received 2016-02-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Porfolio Recovery Associates has been repeatedly calling my home over the past 9 months inquiring about my late sister-in-law. She recently passed away and I am her estate executor. I have asked the agent what the nature of the call is and they will not tell me, saying they need to speak with her. I am confident she had no outstanding debt of any kind. I have repeatedly blocked their phone number in an attempt to stop the harassment but they continually call from a new phone number.
Consumer complaint received 2015-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

XXXX XXXX XXXX XXXXAddress : XXXX XXXX XXXX, XXXX, WA-XXXXXXXXAccount Number : XXXXDate Opened : XXXX/XXXX/XXXXSource : EQUIFAXThe tradeline/account/information therefore needs to be removed/deleted. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

I have been writing Equifax regarding the removal of this tradeline for over 6 months. 

The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2016-01-07
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have tried for the past 6 months to get XXXX bank to rectify a mistake they made to ch to chex systems. to the date of this correspondent this has n't happened. I have provided documentation to them, with them coming back and sayin that this this inforaation is accurate. Im exhausted with all the going back and forth with them not being held accountable
Consumer complaint received 2015-11-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

I filed an Federal Trade Commission report and affidavit and police report of being a victim of identity theft, and all bureau 's except for equifax blocked the concerning information. XXXX continues to report on my credit report, although it was not reporting at one point. I do believe my attorney stated once something is removed it is illegal for it to be put back on, well it 's been put back on and I am tired of fighting with this. This is the last fraudulent account reporting and if they do n't remove it I am going to have to sue them because it is keeping me from living my life and moving on from the horrors of being a victim of identity theft. For them to come back and claim they investigated as if I did n't file all the paperwork which makes them by law have to remove the file and block it, is an absolute smack in the face and I am tired of it. Remove it now and MAYBE I wo n't sue for damages because it has kept me from getting a house now and a new car, and kept me from getting a job selling insurance! this is ridiculous to get something done with this bureau, all the other XXXX removed it with no problems.
Consumer complaint received 2015-11-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (AL)

Earlier this year, I refinanced my mortgage with Freedom Mortgage. 
In XXXX, my mortgage was transferred to XXXX Mortgage. 
My XXXX mortgage payment was sent to Freedom Mortgage, For the past FOUR months I have been trying to get Freedom Mortgage to send that payment to XXXX. I continue to be bombarded with calls and letters telling me of my delinquency. I have called over 40 times XXXX, I keep getting told I will get called back. No one calls me back. The only numbers I have are toll free numbers. People I have talked to about this problem include : XXXX XXXX, " XXXX '', " XXXX '', I asked to speak to a supervisor, XXXX XXXX XXXX, left countless messages-he never got back to me. I am worried about my credit rating, I am beyond frustrated. I need your help! Please!
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX, XXXX XXXX XXXX # XXXX, XXXX, OH XXXX Phone : ( XXXX ) XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
Consumer complaint received 2015-07-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: BMO Bank, N.A. (IL)

I applied for a XXXX mortgage with BMO Harris ( 25 % personal cash down payment ) and was denied given the reasons of " Limited Credit Experience '' and " Unable to Verify Income. '' I have a XXXX imperial score, provided all information requested including source of funds, XXXX, and employer letter with my start date of XX/XX/XXXX that included compensation. I have history of credit cards paid in full, vehicle loan, as well as continuous employment since graduation from XXXX in XX/XX/XXXX and after a 1 Yr XXXX from XXXX University in XX/XX/XXXX. I feel my application was denied because of racial discrimination as an XXXX XXXX female and the bank is scrutinizing applications from XXXX, IL unfairly. Whereas in contrast, people with similar paper profiles ( education, income, credit score, employment history etc. ) are not denied in suburbs where the majority of the population is XXXX and the applicant is also XXXX.
Consumer complaint received 2016-01-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CA)

Freedom Mortgage increased my monthly payment stating I had a XXXX deficit in my escrow account in XXXX XXXX. I refinanced my home with them in late XXXX of XXXX. Since then, they have been unable to give me a clear explanation of why they increased my mortgage. 
after speaking to several representatives, it was determined that my insurance was n't paid although it was included and confirmed in the XXXX statement from American title company. I notified Freedom mortgage of this and they said that when they made the payment to the it created a deficit in my escrow account although they collected for the payment in the closeout. I 've been unable to get them to resolve this and every time I call, I 'm, switched between XXXX to XXXX people and have to re-explain my issue every time with no results. Surprisingly enough, my payment is near the same amount as it was before I refinanced a year later. No one can explain that either.
Consumer complaint received 2015-11-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

XXXX INAlert Date : XXXX : EQUIFAXCompany : XXXX XXXX XXXX INPayment Status : UNPAID ( UNPAID ) Status Date : XXXX : $ XXXX Date : N/AAddress : XXXX XXXX XXXX, XXXX, WA XXXX XXXX therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX XXXX XXXX XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge XXXX or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2015-09-16
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me. 
Please provide full details of this account including the information used to open it. My credit files report an address that is not known to me and there have been attempts to open accounts from this address therefore, I require full validation of the opening documents for this account to ascertain who is using my identity.
Consumer complaint received 2016-01-09
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington National Bank processed a credit bureau inquiry relating to an application for a home equity line of credit without my authorization and signature. My husband submitted the application without consulting me and I received a notification from Huntington National Bank in the mail.
Consumer complaint received 2015-12-19
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

In XXXX 2006 my XXXX year old Father who I am guardian of now, took out a mortgage loan with Fifth Third bank. It was considered a cash out refinance with my fathers desire to pay off medical bills from his deceased wife XXXX XXXX who died of XXXX the year before. There was no appraisal done on the home located at XXXX XXXX XXXX, XXXX, Ohio XXXX. The loan amount was {$110000.00}. At that time, there was no house within a mile radius worth {$110000.00}. I am assuming they used some some of automated valuation system or the loan was a 125 % predatory loan. The rate is 7.375 % and the loan is being held by Fifth Third bank because it was n't salable to XXXX or XXXX XXXX due to the value placed on the property. This caused my father to not be able to take advantage of the HARP or HASP program or any other type of loan produce due to the loan to value issue. My estimation of the value of the property today would be approximately XXXX to XXXX Dollars due to the massive amount of foreclosures in his neighborhood and general property value decline based on the neighborhood. My father is in a XXXX now and there is no possible way of selling the home for the amount he owes which is {$100000.00}. We contacted Fifth Third bank and asked for a principle reduction on the loan but was n't considered. They suggested a deed in Lieu of Foreclosure which we did not do. Foreclosure proceedings have begun and I am now researching filing bankruptcy to protect my father financially for any future ramifications of a foreclosure. My father is a retired teamster. He worked 40 years as a XXXX making a good decent living. The expense of my step-mothers XXXX took a toll on their finances and when she passed away his only true asset was his home and was forced to refinance and take cash out to pay off medical expenses. He was taken advantage of by Fifth Third bank when they gave him a loan that was never going to be paid off nor ever have the ability to sell his lifelong home for enough to pay off the loan. The money he receives now is needed for his care. Fifth Third Bank knowingly made a loan to him at an over inflated value to incent him to sign the papers at a desperate time of his life. Shame on them.
Consumer complaint received 2015-11-09
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I paid off balance on my capital one credit card and no longer used it XX/XX/XXXX. But I did have an error of a recurring annual charge from another company that a failed to cancel made XX/XX/XXXX. The charge appeared on my credit card. Because I selected paperless billing all of the notices and late notices came through an email account. Because Capital One spams so much all their e-mail went to junk mail. During this time my wife was XXXX, I was taking her XXXX daily, staying nights XXXX, etc. Her XXXX is finishing up and we finally decided to purchase a home. I go to apply for the loan and this charge and three months shows up on my credit report. I pay off the balance immediately and contacted them requested a good will correction. Because they did not notify me by any other method then a block e-mail account I now have a bad credit score from what was otherwise a perfect history and because the infraction was so soon it was a huge impact. Requesting the adjust they refused citing they report everything accurately. While in fact true, their notification policy that I foolishly opted in for is the only reason the issue occurred. Never again will I use paperless billing only. The objective of the FCRA is to protect consumers with accurate and fair information. I feel this infraction is unfair especially cosidering my relationship with capital one was perfect and accurate on time payment for years. I only run into the problem when I pay off the balance and they no longer want to work with me. My interest rate will be more than 0.5 % higher than otherwise.
Consumer complaint received 2015-12-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (IL)

I contacted you regarding a bank going into my credit report without me having any relationship, EVER with the bank. The case number which you gave me was XXXX. The case was closed out. The problem is that to date- XXXX/XXXX/15, the Compass Bank of XXXX XXXX Alabama has not initiated the process to remove their credit inquiry from my XXXX XXXX credit report. I spoke to XXXX XXXX on XXXX/XXXX/15. They reiterated to me that it is a very simple process for Compass to do. However, Compass lied to CFPB as well as me that they would be initiating the process on XXXX/XXXX/15. XXXX XXXX has n't received anything from them. The inquiry is still on my credit report
Consumer complaint received 2015-12-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

I somehow accidentally got my fathers name into my report which reported not only my credit information but also information from his XXXX XXXX and XXXX XXXX XXXX accounts. Please have the reporting agencies remove these XXXX permanently since they belong to my father. 

XXXX XXXX
Consumer complaint received 2015-07-17
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Financial Freedom Mortgage, LLC (NJ)

I am being continuously called by a company called, " Financial Freedom Mortgage ''. I have never applied for anything on line, NOR have I asked for help paying bills. When I called them today, the woman was telling me that I HAD TO HAVE FILLED SOMETHING OUT on line. I called back and asked for the manager, and the woman XXXX, who answered the call, said she WAS the manager. I asked her how they got my number, she said I filled something out and supplied it to them. I told her someone must have supplied the wrong number and I told them TO STOP CALLING ME. I am on the " do not call registry '', so they should not be contacting me. Their phone number is XXXX.
Consumer complaint received 2015-11-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Credit Adjusters (HI)

I received a call from ACA on Monday XX/XX/XXXX XXXX, it 's a recorded message telling you this is in regards to a sensitive matter, please press XXXX. 
I pressed XXXX and got someone on the phone when I advised them that I was pressing the number XXXX he put me on hold and came back and advised they must have missed dialed and hung up. 
Then : I received a call from XXXX ACA on Friday XX/XX/XXXX XXXX. 
He proceeded to tell me that he was representing his customer and that he has legal rights to advise me that I owe a debt XXXX for {$850.00}. He claims I opened this account XX/XX/XXXX 
I did not open this account and told him so but he kept on talking, so I asked him to send me any documents via mail and he refused.
Consumer complaint received 2015-12-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (AZ)

Freedom Mortgage used to have XXXX XXXX service my mortgage with them. Then effective XXXX XXXX, they took the servicing of this mortgage back. They stated on the phone at least 3 times that no late fees or credit reporting would occur until 60 days from the date they took over servicing. I made my mortgage payment on XXXX XXXX. That is the day it is due. Freedom Mortgage should have had that payment transffered from XXXX XXXX, yet I have not seen it come out of my bank. Now, I am getting a letter telling me that I am late ... .and that they have reported it to the credit bureaus. This is the EXACT opposite of the information I received from XXXX separate representatives on their customer care line. In short, they lied to their customers. They can not tell me what happened to the payment I made online on XXXX XXXX. It has not been 60 days since they took over the servicing of this loan ... .why are they sending me debt notices before their 60 day grace period to me when I have a call record asking about the payment and a letter that I on XXXX XXXX explaining that I made the payment and ALL I wanted to know was what happened to it.
Consumer complaint received 2016-01-29
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (CO)

I financed my home and having a VA loan they called me back and said we can lower your rate even more. They got me excited about lowering my rate again and they did nothing! They let the time run out. This was Freedom mortgage inability to help the customer. So now I could potentionally pay $ XXXX over 30 years