davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-23
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: EQUIFAX, INC. (OK)

Equifax has willfully violated my rights as a consumer numerous times. 

Pursuant to 15 USC 1681 ( a ) 1 The banking system is dependent on my Consumer report being fair and accurate. After reviewing my consumer report, I realized that my report was inaccurate and therefore unfair and has adversely affected my credit worthiness. I was never notified when this inaccurate information was furnished and I was never notified during the company 's initial investigation that this information was going to be reported. Equifax 's continuous negligence and grave lack of integrity has diminished my confidence in this company 's procedures. 


Pursuant to 15 USC 1681 ( a ) ( 3 ) Equifax assumed this role and was not given permission by me, the consumer, or a competent court of jurisdiction. So, not only did this company fail to initially investigate the information as required by law, but also assumed that the information was valid, which is another violation of my rights ( Pursuant to 15 USC 1681 ( a ) ( 4 ). Equifax states on its website that, " great care has been taken to report this information. Please help us in acheiving even greater accuracy by reviewing all the the enclosed material carefully '' yet, has shown impartiality by only considering one side of the story and that has resulted in my privacy being breached and a violation to my right to privacy. 

Pursuant to 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. These alleged transactions that are reporting and were failed to be properly investigated as to whether or not they actually took place between the consumer and the person making the report. Which means that it should not be included in my consumer report and is in fact a violation of my rights. 

Pursuant to 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( iii ) In the initial investigation I was never given the opportunity to deny the information being communicated on my consumer report.Most recently there has been an influx of abuse with negative and inaccurate information ( example attached, Exhibit H ) and unauthorized hard inquiries furnished that has caused me mental anguish, ruined my reputation and limited and certain opportunities. 

Pursuant to 15 USC 1681a ( B ) ANY authorization of a specific extension of credit card or similar device should be excluded from my consumer report. This alleged that Equifax clearly did not investigate categorized as a transaction that was issued from a credit card as defined under 15 USC 1602 ( l ).
Consumer complaint received 2019-08-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (GA)

I applied for a second home loan through Quicken Loan on XX/XX/2019 working through XXXX XXXX. Quoted rates was 3.5 % due to our high credit score with {$9900.00} in credits her boss authrized that that would minimize our points buy down cost. Our loan number is XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sc for {$400000.00} with {$40000.00} down, {$5000.00} earnest money and to finance {$360000.00} over 30 years. My wife and I were on the call in which XXXX reviewed the terms of the mortgage, which were very confusing with the credits but sounded attractive. 

At no time during the first conversation was mortgage insurance discussed, which in later transmittals would impact us $ XXXX/month. I communicated this gap through Quicken Loan and they wore me down with no resolution or concern for the omission. 

During my employment check, the contacted the wrong company XXXX XXXX who told them I had been terminated rather than my employer of 30 years XXXX XXXX XXXX Ga. XXXX asked my wife in passing one day if I had been terminated ... I then contacted XXXX my lead loan contact with information on our site HR contacts. No one contacted them for another week when I was finally told directly that they were having problems verifying employment. In todays age of privacy, I am not sure how that happens. I asked for an explanation and have not received one to date. Very concerning. 

Cash to close estimates for my loan started at {$47000.00} with a {$40000.00} down payment and went to {$51000.00} 3 days before closing and {$54000.00} 12 hours before closing with no review or call from Quicken but just a posting on line. They say great customer service but they do not follow up changes of this magnitude with calls. the confusion in the way the show credits showed in my loan that I would have seen {$30000.00} in closing cost if not for the {$10000.00} up front credit. my closing lawyer said he had never seen loan origination at {$9800.00} ( what is on my closing detail, first time I saw this number ). I was told that would be {$6500.00} .... This made closing very unsettling with no one from Quicken to explain things. 

My closing was disrupted by an inspection item and now I am faced with an expiration date on my loan of XX/XX/XXXX at which time Quicken has now informed me that I will be changed another 1/2  pt based upon their discretion. This adds insult to injury. 

I am amazed at the lack of customer focus even at the management level. There was one shining star XXXX XXXX in the process for Quicken that took the time to calm me when at the end of the process and did attempt to explain things. 

I am still not to the finish line, found out that cash to close from another lender for same 3.5 % rate side by side is lower and so disappointed in the whole process. I trusted Quicken Loan and they let me and my wife down in so many ways. I hope things can change and glad to have a platform like this that protects consumers to document my story ...
Consumer complaint received 2022-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (TX)

I am writing to request a correction of the following information that appears on my Equifax, XXXX, consumer report : The Account XXXX opened on XX/XX/2018 Is Inaccurate due to the balance owed the report shows I currently owe {$3800.00} to your company that I have already paid for the debt. XXXX XXXX XXXX XXXX was written off as a taxable debt by XXXX XXXXXXXX the original debt holder. With that being done a 1099c was supposed to be mailed to file on my income tax because debt is no longer considered debt by taxable income. I wanted this removed from my account immediately.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TN)

I saw this morning on my credit report JPMCBcredit card it says its chase bank I looked it up I have not applied for credit with Chase bank I need to get it removed from my credit report on my credit report now no money taken yet trying to stop before anything happens its a hard inquiry need it removed
Consumer complaint received 2019-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TN)

In XX/XX/2019, I agreed to a Forbearance Plan with Ditech to make a portion of my payments due to current financial hardship. Both Ditech and I agreed to a monthly payment plan which is due to end in XX/XX/2019, at which time I will began to make full payments and pay any outstanding balance owed. At the time of establishing the Forbearance, Ditech stated that it would be reported to the credit agency as " Forbereance Plan and Paid to as Agreed. As of today I am current with all agreed to payment arrangements under the Plan. However, Ditech has reported it to the credit agency as " Past Due '' on the balance owed ( minus the Forbearance payments ), as opposed to being in a " Forbearance and Paid to As Agreed ''. 

This past due status has impacted my credit score substantially. On XX/XX/19, Ditech says they are unable to provide me with documentation/material outlining the Forbearance process and how its reported to the credit agencies.
Consumer complaint received 2022-09-14
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)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$630.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX & XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$360.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$210.00} ; US DEPT ED XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXXXXXX XXXX : {$270.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$400.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-09-14
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}
Consumer complaint received 2019-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I check my credit somewhat infrequently. Today I was trying to apply for new credit cards to help with my month to month expenditures. I have been using this creditkarma website for a few years now. I saw that my credit score had been very different. I have 2 different scores. I froze my credit on 2 of the 3 major credit reporting agencies. The one I had difficulty with was Transunion. Transunion has a car loan that does not belong to me, a wrong last name, wrong address, and wrong mobile number. I have received student loans, and financial aid with my Social security and my name. I have my original social and know that my information is correct. But all of a sudden there are loans that should not be there. I tried to get the information fixed. Like how maybe it was an improper merge? However the person lives in the same city and not too far from me, from what the address of the individual who is not me has on my credit report. I can't log into one of the credit reporting agency websites because it asks me about loans and locations I never applied for. I need help desperately please.
Consumer complaint received 2019-08-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

My loan was transferred to PHH Mortgage from Ocwen,  in XX/XX/2019. 

Before the transfer of my loan, I was granted a repayment plan by Ocwen, due to the death of my husband, because I was approximately 2 to 3 months delinquent. 

I made numerous payments to PHH Mortgage, and they have refunded the payments back to me. ( Each Representative at PHH Mortgage has told me that there is no record of any payments made by me since XX/XX/2019 ). 

Im also not allowed to use the funds currently in my Escrow Account. Because the payments are being returned Im now 6 months delinquent. Because the payments were not accepted, they place a Notice if Intent on my account. 

I have contacted PHH Mortgage many, many times for a repayment plan and have been told that I qualify for a repayment plan, however, due to the status of my account, I have to make a payment over {$5300.00} dollars in order to receive a repayment plan. Thats paying the delinquency in full, therefore, is not a Repayment Plan. 

Normally their repayment plan consist of making one payment, then making an additional payment with your monthly payment until youre caught up. 

I was not informed or notified by PHH that my Payment Plan Agreement was null and void once my loan was transferred to them. 

I can make my monthly payments, it was a devastating life event that caused me to become delinquent. My situation is temporary, not long term. 

Im asking for a reasonable payment plan to stop the delinquency and Notice of Intent.
Consumer complaint received 2022-09-14
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)

After carefully reviewing my credit file. I am concerned with some items you are reporting for Account Number XXXX and Account name XXXX XXXX XXXX XXXX. I am aware that under the FCRA 15 U.S. Code 1681 e, Compliance Procedures. B. ) Accuracy of reporting shall follow reasonable procedures to assure maximum possible accuracy. All three bureaus are reporting different account status, balances, payment history, closed dates, last activities, etc. Please correct these inaccuracies or remove this account from my credit report.
Consumer complaint received 2023-09-30
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. (NV)

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 2024-10-21
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: Experian Information Solutions Inc. (FL)

I have submitted multiple complaints to XXXX, XXXX, and Experian. I have not received the results of the investigations. Nothing has been mailed to my address provided. I have attached my dispute letters. I am hoping the CFPB can provide oversight to the bureaus to ensure my credit report it fixed.
Consumer complaint received 2022-03-24
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-25
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. (CA)

Company verified information but did not provide me any original documentation or signature.

You have NOT provided me a copy of ANY original documentation 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 you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2022-03-25
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)

XXXX XXXX, XXXX North Carolina, started reporting an old debt that I originally was not able to pay starting in XX/XX/XXXX. On my credit report they closed the original account in XX/XX/XXXX and re-opened another in the same month, placed it on my credit report and began reporting as a charge off every month since XX/XX/XXXX. XXXX has not conducted a thorough investigation to conclude that what the company is reporting is accurate and correct. As of today XXXX they have hit my credit again dropping it by XXXX points. This was incurred over 7 years ago, I kindly and plead with the CFPB to force Equifax to do a thorough investigation and remove this account from my credit report. As of today, XXXX XXXX has changed all of the charges they had on the account with XXXX XXXX and current update as of XX/XX/XXXX.
Consumer complaint received 2019-08-12
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)

On XX/XX/2019, I see 2 hard inquiries appear on my credit report instead of one from XXXX. I believe that one of them is a duplicate inquiry. Please help me remove them from Experian report.
Consumer complaint received 2019-08-11
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. (GA)

Unauthorized credit pulls by XXXX XXXX XXXX ... twice. ... ..unauthorized credit pulls by XXXX XXXX ... twice..unauthorized credit pull by XXXX XXXX XXXX
Consumer complaint received 2022-03-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (MS)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Jefferson Capital Systems LLC, for committing identity theft. I have never given Jefferson Capital Systems LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing illegal activity, any communication and collection activity, of this and any alleged debts until Jefferson Capital Systems LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Jefferson Capital Systems LLC continues its collection efforts, I will file for litigation for actual damages caused and Jefferson Capital Systems LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, security fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant by UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I am a proud XXXX old American citizen and a good standing Citi client for three decades. I firmly believe in the sound American moral values and can not believe that the Citi team of investigators took the side of a criminal XXXX Organization by the name of XXXX XXXX in a case where the scam/fraud is so evident. 
I normally take my precautions to avoid criminal traps and schemes, and, in hindsight, I should have not used my card in a XXXX Bar, but I errounesly taught I I would have some protection from an institution like Citi Bank that claims to be on the consumer side before, during and after any purchase. 
Almost {$20000.00} ( approximately my Social Security yearly payment or the price of a car ) where charged in a couple of hours in a foreign country Bar on XX/XX/2021 without triggering suspicion and an alert to the card holder. 
In absence of red flags, I expected some form of protection from Citi Bank, and I called as soon as possible asking to block my card, when the criminal charges were still pending. 
The calls and the circumstances were vetted and verified by the Citi Office of the President. Denying the absurd charges to these criminals would have been the easiest way to resolve the matter. I have no doubts that I am one of hundreds victim of their criminal scheme. These habitual criminals would not and could not have any justification for their fraudulent charges and would have accepted the denial of their bogus claims without questioning. Ruling in their favor means to encourage criminal activities.
Consumer complaint received 2019-08-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tulsa Adjustment Bureau (OK)

Last year I sent a disputed debt letter that was signed via certified letter from XXXX XXXX. I requested debt verification and an itemized statement or a summary of the initial charge. Nothing was sent other than a lump sum amount due without explanation. XXXX v XXXX affirmed in the 6th that debt collectors must provide a minimum verification that a consumer could dispute the debt. XXXX failed to do so yet continues to illegally collect the debt and even filed a derogatory statement on my credit earlier this year. Even though, if the debt was legitimate all they would have to send is an itemized statement. They refuse as the debt is not verifiable. I personally went to collect the letter from the hospital directly and one doesnt exist. 
Fast forward to XX/XX/2019, I filed a complaint with my credit agency and XXXX   removed the derogatory statement because they couldnt provide the necessary information. Proof attached. 
Now, without any more or new letters or proof sent they attempted to hurt my credit again but have changed the debt amount. Without any new contact or letter. 
Its harassment and illegal and it continues without new proof.