davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Mortgage is an ARM. Bank is required to send an estimate of the new payment. In XXXX, the interest rate adjusted for the first time, but the bank failed to give ( correct ) estimate before the first payment at the new rate was due. 

XX/XX/XXXX Bank sends letter stating " new monthly payment '' will be at an " Estimated Interest Rate [ of ] 3.000 % '' and the " Estimated Total Monthly Payment [ is ] {$7900.00}. '' XXXX Bank sends letter that LIBOR will no longer be used and the bank will let mortgagee " know in advance about any rate changes, including when they'll start and how they'll impact the payment amount. '' XXXX Bank sends letter reaffirming " new monthly payment '' will be at an " Estimated Interest Rate [ of ] 3.000 % '' and the " Estimated Total Monthly Payment [ is ] {$7900.00}. '' XXXX  Grossly contrary to previous letters, Bank statement reflects new Interest rate of 7.500 %, and a Total amount due of {$11000.00}. 

XXXX  Requested a bank rep, over the phone XXXX, to send a copy of the letter stating 7.500 % would be the new Interest rate and {$11000.00} would be the new Total due. 

XX/XX/XXXX Bank instead sends copy of XX/XX/XXXX letter reaffirming " new monthly payment '' will be at an " Estimated Interest Rate [ of ] 3.000 % '' and the " Estimated Total Monthly Payment [ is ] {$7900.00}. '' XXXX Again requested a bank rep ( XXXX XXXX, over the phone XXXX, to send a copy of the letter stating 7.500 % would be the new Interest rate and {$11000.00} would be the new Total due. XXXX states the previous letters are just " estimates. '' However, mortgagee replies and points out that the letters also state, " If the index changes by the time we calculate the exact amount of your new interest rate and payment, that amount may not match the estimate above. IF THAT HAPPENS, WE'LL SEND YOU ANOTHER NOTICE WITH THE EXACT AMOUNT OF YOUR NEW INTEREST RATE AND PAYMENT XXXX MONTHS BEFORE YOUR FIRST NEW PAYMENT IS DUE. '' XXXX states the bank sent no such notice and she will escalate, but no further contact from the Bank was received on this matter.
Consumer complaint received 2023-07-28
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. (WI)

After reviewing my credit profile on XX/XX/XXXX I identified discrepancy 's with my credit profile and the accounts that you are reporting. I have requested for these accounts to be reviewed to ensure that everything was reporting 100 % accurate. I also requested validation of these accounts. I reviewed my credit report again on XX/XX/XXXX and to my surprise, the accounts continued to reflect on my credit report inaccurately and I did not receive any correspondence from creditor to validate the accounts. The accounts were not updated to reflect that they were disputed and therefore, another letter was sent requesting an investigation. 2nd letter was sent out on that day. After reviewing credit report again on XX/XX/XXXX there have still been no updates and the accounts were still reflecting on the report inaccurately. I continued to send out letters monthly to try to correct your reporting errors and the only update provided is " Account previously in dispute- now resolved by data furnisher ''. My concerns are not being addressed after multiple attempts to have my profile corrected and the accounts continues to negatively affect me. Please remove the following accounts from reporting to the bureau until adequate validation has been received proving that all information is 100 % correct. 

XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-08-05
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-07-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

A collection agency called me trying to collect {$17000.00} from a bank of america visa card debt from back in XXXX and yet nothing reported to XXXX for XXXX plus years until now. I am XXXX XXXX XXXX and XXXX living on XXXX XXXX XXXX living in a tent out in the woods and no way to fight these alligations. I don't know what to do. I am on extremely long waiting lists for housing and this will ruin my chance to get housing for 10 years. i will be dead before 10 years living in a tent. Please help.
Consumer complaint received 2015-09-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: REPUBLIC MORTGAGE HOME LOANS, LLC (KY)

HELOC account involved in short sale XX/XX/XXXX. Republic Bank still reporting to my credit that it is late even after the bank charged it off XX/XX/XXXX. Stating payments of $ XXXX per month with {$28000.00} past due. During settlement, they got {$3000.00}. Prior to that I gave them XXXX and XXXX. I did everything I could to stay above water. I had several mortgages with them totaling over {$500000.00} and paid them all off. The HELOC funded those mortgages. Called Republic the other day and have had to call them back again and spoke with XXXX representatives, XXXX tried to get screen shots of my credit and the other, debt collector, did n't disclose as such and tried to get my divorce decree and said that once child support order is over for my exhusband he has a motion to garnish his retirement waiting. Needless to say, my husband and I got divorced over this, he left his job of 20 some years as he had to have high security clearance, we have lived in poverty with XXXX kids, they wiped out my bank account XX/XX/XXXX. They said the XXXX is missing. When I asked for an appraisal years ago, it too, was missing. I have a feeling the property was over appraised in the first place in order to facilitate me getting more mortgages with them. The second representative said I was faced with paying or bankruptcy again. I did n't file the first time when I easily could have, ditching about {$500000.00} worth of loans with them and I did n't. I paid them XXXX a month on that loan for many years. This is never going to end. I am trying to get into a low income housing program, and I ca n't because of this thing on my credit. Foreclosure would have provided me more protection. I bailed it out of foreclosure at least once in hopes of selling it, I rented it out trying to buy time, etc. At the time, Republic was so fierce and yelling at me all of the time. I have emails documenting some of that. They would call my husbands work about collections which is why he left. They were very difficult to work with trying to come up with a settlement. I also have those emails from the short sale person. I have managed to turn things around for the kids and I but now this is back.
Consumer complaint received 2020-06-10
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. (CA)

I applied at XXXX apartments today XX/XX/20 and when they ran my credit I was told that I did not qualify to rent without a co-signer because there were accounts in negative standing on my credit history. I was confused to hear this because I don't have any accounts with negative payment history or at least that's what I thought because when I checked my credit report I saw two accounts that I never opened. The accounts are from these companies " XXXX XXXX '' & " XXXX XXXX XXXX ''. I never opened any account with these companies nor do I have any written/verbal contract with them and I did not give anyone else permission to open any account with those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not take part in any payments that might have been made towards these accounts. I have filed this report to the best of my knowledge.
Consumer complaint received 2023-08-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: 2288984 Ontario Inc. (FL)

A car accident injury and Covid has caused struggles, and job lost also my family members returning home to my house because work is not available. It is hard to maintain all the people in the household now. I somehow have to deal with XXXX family members, much less keep up. I need help. The inflation of everything is unbearable and with everything that is going on I can not afford to pay the loan back .I am asking the company to forgive me and clear the debt please. I send a complaint in already and this company continues to overdraft my account and I do not have the funds available. I understand what they are saying but have a heart life happens .This was not my intent to owe them money or have an overdraft account .Please forgive me and clear the debt without penalty .I am struggling
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter stating that the following accounts are incorrect/inaccurate. According to the Fair Credit Reporting Act ( FCRA ), if there is an error, if it can not be proven of verified, or if a grace or pardon is extended by the creditor the negative item must be removed. However, you responded that it was verified as accurate. You stated that you verified the following accounts with the source of information. XXXX XXXX Account # XXXX ; XXXX XXXX Account # XXXX ; XXXX XXXX Account # XXXX ; XXXX Account # XXXX. 

I have highlighted everything on the attached credit report from TransUnion that is incorrect/inaccurate data. Please do not use E-Oscar as I request that you physically investigate these items on my credit file with a physical person. I request that you provide the name and number of the person you spoke with from agency.
Consumer complaint received 2023-08-05
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying ACCOUNTS recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}
Consumer complaint received 2023-07-27
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: Experian Information Solutions Inc. (IL)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (ND)

This was my XXXX submission of complaint to Experian Bureau notifying them that I was a victim of identity theft, this was another request to block and remove the inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Bureau was required to block and remove any items not later than XXXX business days after the ( XX/XX/XXXX ). Ive already included this report in my previous letter & I am including it again. Also, the data the Bureau provided on some inquiries are UNKNOWN to me and was already REMOVED from other bureaus and so I was having some doubts about the reporting accuracy the Experian Bureau showed in my credit report : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is to inform the Bureau if they do not BLOCK AND REMOVE the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Bureaus accountable for willful refusal.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

I was a victim of a scam for a fake job offer. I provide cleaning services and was contacted and given an offer by a potential " client '' who pretended to be a realtor agent for a well-known Broker Agency. On XX/XX/23, I was sent a contract via XXXX to be signed and sent back. According to the contract, I needed to send a surety deposit payment IRS pre tax through a secure XXXX channel in order to confirm my account as legitimate for payment transfer for the services. The contract also stated this surety deposit amount was going to be refunded back to me within 2 hours following the surety process confirmation. I sent the payment, but my refund was not provided within the advised time frame. On XX/XX/23, I contacted my financial institution to report this possible scam and stop payment. I was advised the claims department was closed due to XXXX of XXXX holiday and asked me to call back the next business day. On XX/XX/23, Iat XXXX, I contacted my financial institution and was told they couldn't stop payment because the transaction was already done and the money had already been transferred via XXXX . Same day, I placed a claim for fraud/scam. I also contacted the actual broker agency who confirmed this was indeed a scam. I walked into one of Chase branch near my area to cancel my account as it was compromised and re opened a new one. I was advised a temporary refund was being placed until the investigation was finalized. A few days after, the claim was denied stating I approved/sent the money myself and the temporary refund was taken back. I opened a new claim, spoke to a manager explaining the money was sent for a job offer that resulted to be not real but a scam. I was advised a courtesy recovery may be potentially be honored under the specific circumstances specially because the person who received the money also has an account with Chase. The money was indeed transferred from Chase to Chase via XXXX. I was advised the last day for review would be XX/XX/23. Today, XX/XX/23, I contacted Chase and was advised there is nothing they can do. Even if the scammer has a chase account, they can't recover the funds and therefore my claim was once again denied. They would not even escalate it and was told to contact XXXX. No notification was received about their decision, if it wasn't because I called to find out, I would have never known. Up to this day, this scammer keeps harassing me via phone. Keeps calling with different area codes numbers. I reported the issue to IC3, DCA AND FTC.
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (IL)

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Consumer complaint received 2023-08-18
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. (CA)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-07-27
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Auto Finance is in clear violation of this section of the law 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) ; for unlawfully obtaining my Experian Consumer Report on ( XX/XX/2022 ) without a copy of my written authorization or permissible purpose under the Fair Credit Reporting Act and its guidelines while also violating 1681g ( a ) ( 5 ). It has been more than 60 days since Capital One Auto Finance has been notified of their violation and they have not providing me a copy of my written authorization I gave them or permissible purpose.
Consumer complaint received 2023-08-18
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)

To Whom this may concern, I am not responsible of these account. I am a victim of ID theft. People have used my information to open it and also make fraudulent activities. I have sent in multiple disputes, but you guys refused to remove them I have submitted my police FTC report, with two form of id verifications etc., yet you guys claim that this account has been verified. Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : 1. The date you contacted the creditor. 2. The contact information for the creditor. 3. The name of the person who verified the item to you. 4. The method of communication you used to verify this information. I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.