davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I have disputed the late payments on this XXXX XXXX XXXX   XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX   on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2019-05-28
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 HAVE DISPUTED INFORMATION WITH EQUIFAX. THERE ARE ACCCOUNTS THAT I HAVE BEEN DISPUTING AND THEY STILL EXIST. OTHER BUREAU COULD NOT PROVIDE PROOF OF A CONTRACT FROM ME FROM THE CREDITOR WHO FURNISHED THE INFORMATION SO THEY DELETED IT ... BUT NOT EQUIFAX! I EVEN CALLED THEM AND ASKED THEY WHY HAVENT THEY REQUESTED AND RECEIVED PROOF, DOCUMENTS, CONTRACT ETC OF MINE FROM THE INFO PROVIDER AND THEY HAD NO EXPLANATION BUT TO OFFER TO DISPUTE AGAIN AND I GOT THE SAME RESULTS. THEY STILL NOT HAVE PROVIDED PROOF! 
AS required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. THEY WANT TO CONTINUE TO PLAY THIS GAME WITH ME SO I HAVE NOW TAKEN IT TO THIS LEVEL!
Consumer complaint received 2019-05-27
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. (DC)

My first complaint involves the unauthorized charge of XXXX to my account by the XXXX company in XXXX XXXX, MD. They accused me damaging panels underneath their vehicles and never contacted my car insurance company about this matter. The XXXX receipt only reflects my signature for a XXXX fee to rent the vehicle. I did not find out about the second charge of XXXX to my account until I received a billing statement for month XX/XX/2012. Ive contacted both XXXX and XXXX XXXX XXXX to resolve this matter in previous years. I still continue to see this inaccurate matter appearing on my credit statement undermining my credit score. I have disputed this matter XX/XX/2012. I strongly believe the XXXX company is unethical and totally unprofessional. I want consumers to beware of their practices and I want this matter removed from my credit report.
Consumer complaint received 2019-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MN)

I opened a credit account at MACYs Department store in XXXX when I first moved here in XX/XX/2018. The only picture I.D . I had with me was an old drivers license from a previous address in XXXX, TN. I specifically told the clerk ( with my wife as a witness ) not to use that address and I verbally gave her my correct address in XXXX. I also provided on the credit application my telephone number and e-mail address. I had only the one charge on the account from that day and MACYs mailed the invoices to the wrong address and I never received them. I was never contacted by phone or e-mail regarding the unpaid invoice and I only realized the error in XX/XX/2018 when I checked my credit report. Upon identifying the error I called MACYs and immediately paid the balance by credit card over the telephone ( which had now ballooned to twice the original charge due to penalties ). All I asked is that they contact the credit reporting agencies and have it removed. I have written them several letters and provided all the necessary information to prove to them I had not resided at the TN address for over 4 years ( which is why the invoices were not forwarded to my correct address ). They have no legitimate reason for not contacting me by either phone or email. I sincerely appreciate any help your agency can provide me to rectify this situation and clear this blemish on my credit report. Thank you, XXXX XXXX
Consumer complaint received 2019-05-27
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. (GA)

First, I am a victim of identity theft. On XXXX sent a notarized personal statement to XXXX XXXX/Executive Office listing all of the fraudulent accounts, inquiries, phone numbers, addresses and employers. On the same date I also sent 2 FTC identity theft reports, a police report and a color photo of my driver 's license ( for proof of my identity ). On XXXX I received an Equifax credit file. This credit file still shows 7fraudulent addresses ( # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, # 2- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # 3-    XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, # 4- XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, # 5- XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, # 6- XXXX XXXX XXXX, XXXX, XXXX  XXXX, # 7- XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX and6fraudulent accounts ( # XXXX XXXX XXXX XXXX XXXX   XXXX  # XXXX XXXX # 2 XXXX XXXX XXXX # XXXX, # 3 XXXX XXXX XXXX  # XXXX, # XXXX XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) . Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days ( today is XXXX ) which means Equifax is in violation of the Fair Credit Reporting Act.
Consumer complaint received 2019-05-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PR)

Bank of America Account # XXXX ( sold to Bank of America by Country Wide Home Loans ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Puerto Rico XXXX- Phone-XXXX Complain is about the unacceptance of my mortgage payments since XX/XX/XXXX,  verbally notified my brother in Georgia that mediation was denied. Imposing an insurance fee of {$1100.00} and increasing my monthly payment to {$2600.00} instead of previous mediation fee of {$1500.00}. On XX/XX/XXXX, I was suspended from my Job and requested a mediation which was approved on XX/XX/XXXX approximately with a mortgage payments of {$1500.00}, during those years, mortgage was paid in accordance with was established. On XX/XX/XXXX I suffered and Accident with a consequence of XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX and other conditions, immediately I moved forward and notified the Bank assigning my Brother thru a Power of Attorney that my financial situation and income will be affected awaiting for Retirement and Social Security Benefits, I never refuse to pay my mortgage, my brother was seeking for information and requested another modification due to my new income. I paid the Bank {$36000.00} dollars to update the mortgage and the Bank requested a payment of {$1500.00} which I paid till XX/XX/XXXX.On XX/XX/XXXX. my brother went to the Bank personally and the employees refuse to accept my payment of {$1500.00} because the amount changed to {$2600.00} on a monthly basis. We requested the reasons of the new mortgage ( increase ) rate and receive negative responses verbally and never in writing explaining the reasons. On XX/XX/XXXXmy brother was notified via telephone that the mortgage new payment it was because the Bank selected a property insurance vendor without my consent or authorization, but again nothing in writhing was informed. I have a personal insurance and awaiting my Personal Insurance Property Agent. My property suffered damage due to the Hurricane Maria, I sent the bank all information which included  pictures, I needed to arrange the doors, electricity, floors and other damage. My safety and property safety was important. Today I received a letter from the Bank requesting me to pay {$25000.00} and I dont know why? all these amounts including pay off amount of {$260000.00} in a property less actual Value of {$14000.00}. Bank of America is forcing foreclosure and creating me emotional distress. Bank of America is not compling with ADA Law and Territorial Laws. 
Please HELP!
Consumer complaint received 2019-05-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (CO)

In XXXX of 2018 my husband got sick and was unable to work. We immediately applied for a mortgage modification with our mortgage company, XXXX at the time. After several months of delays and requests to submit the same documents over and over I contacted the ombudsman. A short time later we were approved for a trial modification to begin in XXXX and continue for three months. I made each of those payments early. I hadnt received any other information so in mid XXXX I made a payment for XXXX. Shortly after I received an email that we had been approved for a permanent modification. I waited a couple weeks but never received the paperwork. I emailed XXXX to let them know I didnt receive it. During this time my account was being transferred to PHH Mortgage. My husband also passed away in mid XXXX. Finally at the end of XXXX I received an email containing the modification agreement. I immediately signed as successor in front of a notary and mailed the documents to the address provided. One of my coworkers is a notary so I signed in my office and walked the documents to the post office next door that same day. During the time between XXXX and XXXX while I was trying to get the modification paperwork I spoke with someone at PHH. I was asked to send in my husbands death certificate and I was assured that this would allow me to assume the mortgage. I faxed a copy to the number provided. Shortly after I sent in the modification agreement ( early XXXX ) I received a letter asking for additional documentation showing my right as successor. I emailed a copy of my drivers license, the original warranty deed showing my husband and I as joint tenants, and information from my county assessor showing me as the sole owner of the property. Colorado law states that property automatically transfers to the survivors on a deed when one dies. I didnt hear anything back and I was still unable to make any payments. In the beginning of XXXX I started contacting both customer service at PHH and the assumption department I sent my information to. After several emails I finally received a response just last week from customer service informing me that the modification was canceled because they didnt receive the paperwork. Supposedly a letter was sent informing me of this, but I never received it. I suspect it was addressed to my late husband whose mail is returned to sender by the post office as he is deceased, if this letter was actually sent at all. 
I sent that paperwork as soon as I received it at the end of XXXX. This is far too important for me to delay or put my home at risk. I just lost my husband and now I risk losing my home because my mortgage company is either incompetent or a scam, and trying to force me into foreclosure. 
I have done everything that has been asked of me and I would still be making my payments if my account information and payment access was correct and available. I would like this resolved and the modification I signed to be honored.
Consumer complaint received 2022-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called the major credit bureaus XXXX, Transunion, and XXXX yesterday. XXXX helped a little but not fully. I was hung up on by XXXX and Transunion while requesting correction on my credit report. I have mailed 2 certified letters on XX/XX/XXXX and XX/XX/XXXX requesting the same corrections. I feel like the credit bureaus are playing with consumers and flat out laugh about how many times they can violate us and the law. I know that I must give the bureaus my written permission to even provide any information on my credit report and it must be signed by me. That is listed directly under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. I do not and have not given them my consent and require the removal of all incorrect and false information I advise in this complaint.
Consumer complaint received 2019-02-11
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: Experian Information Solutions Inc. (CA)

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-16
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. (WI)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-08-15
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: First Associates Loan Servicing LLC (AR)

When I attended XXXX XXXX XXXX, I was unaware that they got a private loan in my name. I was under the impression that I was getting federal loans like the rest. I've called this company explaining the situation and they refuse to comply. Please help me. This is wrecking my credit. I've filed an FTC report as well.
Consumer complaint received 2018-08-15
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. (FL)

I had two car loans from a XX/XX/XXXX included in a Chapter XXXX Bankruptcy and XX/XX/XXXX included Chapter XXXX bankruptcy they both were removed from my credit report on or before XX/XX/XXXX by all there credit Bureau XXXX, Equifax and XXXX. Since challenging these items, I've notice consistent removal of items that have been on my report over ten years. The removal causes my score to improve and within a few days of this score improvement, a new re-aged item appears on my report from medical collections, to previous auto loans that were previously removed that and included in the bankrupts beyond seven and ten years. I have sent disputes multiple times to Equifax, XXXX  and XXXX regarding XXXX. This time around, I received an email from Equifax stating their investigation will need more time, I assume because I attached each of the credit reports I've received from each Bureau dating back to XXXX, including disputes that they mailed me in the past letting me know when these accounts were and will be removed from my reports. I received updated reports with the removals. Equifax deleted XXXX XXXX car loan along with my Chapter XXXX Bankruptcy and Chapter XXXX bankruptcies on or before XX/XX/XXXX. They have had many months of investigation, all the while my credit score continues to suffer from their non compliance of the fair credit reporting act.
Consumer complaint received 2018-08-15
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: Experian Information Solutions Inc. (FL)

30 Day late payment reported to the Experian, XXXX  and XXXX. I have never been 30 days late on a payment to this company The company solicited me for a payment extension through repeated telephone calls between XX/XX/XXXX and XX/XX/XXXX. I am a native Floridian and was affected by the XX/XX/XXXX Hurricane in XXXX Florida. I eventually spoke with a XXXX XXXX XXXX Representative and they place a payment extension on my credit report. I was later reported to the credit bureau. I was told by a representative, it was for a late fee. I have kept a copy of all my credit report back to XX/XX/XXXX and at no time on any car loan have I been reported to the bureau for a late fee. I purchased this car at XXXX XXXX in XX/XX/XXXX. I never received any correspondence from XXXX XXXX XXXX until the latter Part of XX/XX/XXXX despite repeated calls to this as to my due date and actual car loan amount. My payments are due on the XXXX of each month. I have always paid my payments prior to 30 days. The Representative acknowledge this information and told me, they would not report me for payments prior to being 30 days late and the late fee was reported for the 30 days late in XX/XX/XXXX when the extension was applied. I asked, " if its for XX/XX/XXXX, why was I reported for XX/XX/XXXX? '' He stated I would need to write XXXX XXXX XXXX to request the removal. I wrote XXXX XXXX XXXX as well as each credit bureau to no avail. Just before this reporting, I had two car loans from a XX/XX/XXXX Chapter XXXX Bankruptcy and XX/XX/XXXX Chapter XXXX bankruptcy that was removed from my credit report in XX/XX/XXXX. Since challenging these items, I've notice consistent removal of items that have been on my report over ten years. The removal causes my score to improve and within a few days of this score improvement, a new re-aged item appears on my report from medical collections, auto loans that were previously removed that were included in the bankruptcy. I have sent disputes multiple times XXXX, Experian and XXXX, this time around, I received an email their investigation will need more time, I assume because I attached each of the credit reports I've received from them dating back to XX/XX/XXXX, including disputes that they mailed me in the past letting me know when these accounts were and will be removed from my reports. I also sent them prove of my XXXX XXXX XXXX Payment History since day one where i've never been thirty days late, ever. They are still investigating the late pay for the fourth time, including the XXXX XXXX car loan that was deleted with my Chapter XXXX Bankruptcy XX/XX/XXXX with XXXX. All the while my credit score continues to suffer from their non compliance of the fair credit reporting act.
Consumer complaint received 2019-02-11
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 am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2019-02-11
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. (CA)

I have made s complaint with the company TRANSUNION for accounts being reported on my report incorrectly and have not been verified. They have sent a letter saying that one account which is XXXX was deleted and then placed back on my report and is not showing on any of my other bureaus and was not properly verified as I asked for copies of any documents with my signature on it and that was not provided. Also one account was removed from collections and I did not receive anything in writing saying it was removed, that account is XXXX XXXX XXXX for XXXX. Also the letter they sent does not show that the other alleged accounts XXXX XXXX and XXXX XXXX XXXX were verified.
Consumer complaint received 2019-02-08
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. (GA)

I was most recently a full time doctoral student at the University XXXX XXXX  at XXXX ( XXXX credit hours ). The school or whoever incorrectly reported or delayed reporting that I was a fulltime student there. This caused loans to become due. When I checked my credit report I noticed XXXX had reported my 10 loans as being delinquent. When I contacted them they verified my enrollment status and said they would fix it. It is taking way to long also it appears that my first request for removing the items of my credit report was not processed ( they told me to expect it removed within 60 day ) or had missing paperwork. I called again and they assured me they would resolve this but had not processed my original request because missing paperwork that they would send me in the mail as soon as possible. They stated once I turn the paperwork in they would remove items off my credit within 3 weeks. My credit report needs to be fixed IMMEDIATELY. I am in tech so many of the jobs I am applying for requires background checks and in some cases an actual security clearance. Because of incorrect reporting it appears that I have 10 loan accounts which are in default. I am restricted in my job search right now until this gets resolved. Employers don't have time to hear an explanation for why I have 10 loans in default. This needs to be fixed immediately so I can move on.