davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

on XX/XX/XXXX I called Equifax to dispute addresses that did not belong to me they deleted the address but not the inquires attached to them none of the inquiries resulted in accounts from nor where they ever done by me the following inquiries need to be deleted there are no accounts ever done by me or showing on my credit report the following things need immediate deletion per section 623 of the FCRA as well as section 609 of the FCRA as well as section 611 FCRA please send me requested proof that these belong to me I never requested anything from these companies these where done at addresses that where deleted off my credit file thank you I need XXXX deletions done asap 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, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

EQUIFAX MORTGAGE SOL EQUIFAX MORTGAGE SOL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CO)

Equifax credit report XX/XX/XXXX : they have not deleted fraudulent soft inquiries for XXXX done XX/XX/XXXX for fraudulent credit card application, and for XXXX done XX/XX/XXXX that resulted in an actual account being opened in another state that was fraud. I want these soft inquiries deleted from my report.
Consumer complaint received 2015-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Payment was received by company in a form of cashier check and they lost the payment. They requested me to send additional payment even after checks were cashed. i provided proof to them and they still did not take payment off my balance. I ended up having to double pay and then payments later they credited my account. I need them to remove my late payments
Consumer complaint received 2017-03-04
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

This piece is about Chase Claim Number : XXXX On XX/XX/2017 XXXX hours, I received a text message reporting suspicious activity from Chase checking account ; I immediately replied to the text message response refusing the charge, confirming Chase 's suspicion of fraudulent charge. The purchase exceeded the amount of cash in the debit account linked to the card used in the fraudulent transaction. Per the Bank, the fraudulent purchaser was able to transfer money {$4500.00} from another Chase savings account to the Chase Checking account, by calling the bank. This information was learned from the Chase representative over phone while discussion on fraudulent charges was ongoing. The same day XX/XX/2017 Over the phone, Chase indicated that it would issue me a credit in the amount of the fraudulent purchase ( {$2500.00} ) back into my account. 
XX/XX/2017 Chase issued a Chase Customer Claims letter stating the temporary credit has been reversed, without any further explanation. The letter indicated that I was right in confirming the information provided to the bank on XX/XX/2017 yet Bank went ahead and reversed the charges of {$2500.00} in the letter received from the bank on XX/XX/2017. 
The story does NOT end here. There was no credit taken out of my account when I enquired from the bank on XX/XX/2017. Since I had not heard from Chase, and the credit had not yet appeared in my bank account balance, I called Chase for an update. At this point, the telephone agent informed me that I would not receive a credit and would be charged for the fraudulent purchase. The only thing representative mentioned that the card was a chip card and was used at the terminal, even though I did not make the charge the card was used. 
Chase reversed the credit, and my account shows a fraudulent charge for {$2500.00} as of XX/XX/2017. Since XX/XX/2017 having reached Chase 3 times over the phone and 2 times personally at the XXXX CA Bank location. I learned today that my case is closed without further providing me with the information how the Bank reached to the conclusion.
Consumer complaint received 2015-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

i complained about this company on XXXX/XXXX/2015 and they asked me specific case that i am disputing,,, i am disputing on XXXX Card on My file they changed the payment dates several times Only ON XXXX, it shouldve Fallen off long time ago but some how they have acces on youre data and change the last payment time which is wrong,, Also i had XXXX accounts on My record which Fallen off due to statue of Limitation but still you reporting the original creditors on my record which has a wrong date on it and these accounts are Showing as Closed accounts but still in my record the XXXX accounts are the ones i am Talking about since XXXX agreed and stooped Reporting XXXX also suppose to Follow not stay in my recordthank you
Consumer complaint received 2015-07-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

Dear sir/madam, as I was going through my credit report on XXXX, EQUIFAX and XXXX, I noticed a negative report on my credit. The negative report was from a Company called XXXX. First I have never had any account with XXXX XXXX do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. I DO N'T EVEN KNOW WHAT KIND OF BUSSINESS THEY OFFERI am requesting that XXXX or any of their affiliates should remove such negative statement from my credit reportI ATTACHED A COPY OF MY UTILITY BILL AS A PROOF
Consumer complaint received 2017-03-07
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Ad Astra Recovery Services Inc (CA)

I contact AD ASTRA RECOVERY SERVICES at XXXX to advise that I did n't apply for this loan. They confirmed with me that the loan was applied for in my name but the money was deposited in a bank account for XXXX ( XXXX ). I have disputed this with the collection agency as well as the credit bureaus and I am still dealing with this showing up as a debt. Per the collection agency I requested a payday loan. Then paid it back and requested another one. I have followed all of the steps needed to get this removed off of my credit including filing police reports and going as far to give the collection agency XXXX phone number and address. Please help me with this credit agency that is harassing me and ruining my credit.
Consumer complaint received 2015-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I am a victim of identity theft. I have sent supporting documentation of letters and police reports to Equifax in regards to being a victim of identity theft and fraudulent accounts listed on my Equifax credit report. I was XXXX from XX/XX/XXXX to XX/XX/XXXX. The following are fraudulent accounts opened by someone who stole my personal information and identity : XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, MN Child Support Enforcement Division : XXXX, University XXXX XXXX : XXXX, XXXX XXXX : XXXX.
Consumer complaint received 2016-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I 've been trying to dispute an account with this credit bureau since last year. After receiving a result letter from this bureau stating that I need to contact the collection agency that exactly what I did. I sent XXXX what I read as a " proof of claim '' letter and they responded with a contract that is hard to read the name is very blurry and illegible. The name on the contact saw a lady 's name of XXXX XXXX or whomever. See what I received in the attachment
Consumer complaint received 2016-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX is illegally reporting my account as late after my bankruptcy when it was in good standing up til the filing. They closed my account, would n't take anymore payments and now reporting monthly as over XXXX days late. I attempted twice to contest this and they continue to do it.
Consumer complaint received 2016-04-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Palm Beach Credit Adjustors, Inc (FL)

A collection agency named " Focus Financial Service '' also known as or or reporting under the name of " Palm Beach Credit Adjustment '' ( which they use BOTH names to report the same account with different agencies ) had reported to the XXXX credit bureaus an account that I had with " XXXX Hospital, XXXX XXXX '' since XXXX XXXX, XXXX. I had disputed the account online with TransUnion before which they eventually closed the account ( Or had it under " Closed Collection Status '' ). 
On XXXX XXXX, XXXX I had contacted " Focus Financial Services '' through Registered Mail asking them to Validate the debt, & to provide me with any documentation that I had signed as an agreement that I owed the hospital that bill, & some other information detailed in the letter, after 2 days they responded to me with a " Detailed Medical Bill & Statement '' showing all the " Medical Procedures '' that was done to me, which I assume it was confidential, but somehow they have it. They did n't answer any of my other questions which are detailed in my letter to them and the letter is attached to this complaint, I had also asked them to cease & desist all collection & reporting actions until I verify the account and finish my investigation. 
2 days after their response to me, they Reopened the " Closed Account '' with XXXX, & Refreshed their reporting to all XXXX agencies as of XXXX/XXXX/XXXX with a new amount of {$1.00} less than what I owe ( Original Amount was {$10000.00}, New Amount is {$10000.00} ). I had also sent them a second letter on XX/XX/XXXX right before I noticed that they refreshed the status of the reporting on all XXXX agencies asking them why they did n't comply with my request of answering the rest of my questions, and to provide all missing information, then I noticed the change in my credit file, and that 's when I decided to file this complaint of them violating my rights to a fair review of the account, and my confidential " Medical Information ''.
Consumer complaint received 2016-02-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (MI)

I applied for a mortgage loan thru PrimeLending, got approved and went into the closing with the tittle company. Everything was signed and I was provided with documentation about the amount needed to close the deal that had to be wired. I wired the money to the title company and informed the involved parties about the transaction. After 48 hours I was contacted by the originator, and he told me that I missed to pay the full amount for the closing. When we reviewed the documents, he told me that apparently a glitch in their system did not put the correct amount into the closing cost sheet. When I revised the file, a credit from the lender was missing, as a well as other amounts were changed. The originator told me that I had to pay for their mistake or I lose the deal. The amount the lender claims I owe is {$210.00} I do not feel this is ethical as they can also say can later on claim that another glitch happen and another amount would change for no real reason in the future. I fear this lender would incur in such practices through out the life of the mortgage as I was later on dragged into multiple changes that skyrocket the costs and are out my budget with each review.
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello Cfpb, I 'm yet complaining again simply b/c I feel like the process is being dragged out and that Transunion is not taking my file serious enough. I 've sent XXXX separate letters certified to them stating my claim and showing the ID crime report, providing drivers license, etc and I still have XXXX, still have credit acceptance, still have some large XXXX apartment complex, and some child suppport thing out of michigan?!? .. I would laugh because of the last XXXX ... My name is XXXX XXXX and what the police thought is that someone with a similair name is getting tagged to me.. not sure how the system works entirely but I need to get this handled asap. 2017 I do n't want to be messing with this ... I will if i have to but I 'd rather not. I did see a TXU light bill show up as well which to Transunions defense they have not had it brought to their attention. When I contact these places they simply instruct me to pay settlement and I refuse I 've compiled dates and responses that I can upload if needed if it will show my initiative. thank you, XXXX XXXX.
Consumer complaint received 2016-03-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (FL)

I. C. System Inc. reported a collection on my file for {$120.00} charge from XXXX XXXX. When I was contacted by them in Decemeber I told them that my insurance company covered the charged and I was not sure why they where calling me. I even offered to pay the debt if they could show me where I owed the debt. I have not be contacted since.
Consumer complaint received 2024-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc. (CA)

California Business Bureau has caused me significant distress and for more than a year has been damaging my credit and reputation by trying to collect a fraudulent debt of {$3000.00}. 

I have submitted several disputes and submitted to California Business Bureau letters regarding said disputes and requests for validation. California Business Bureau has not provided me with a valid debt or contract between me or them. 

They have refused to comply with the Fair Credit Reporting Act as well as the Fair Debt Collections Practices Act and continue to commit egregiously fraudulent acts that continue to cause me harm and injury.
Consumer complaint received 2024-08-30
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. (PA)

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 2016-10-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (KY)

The debt collection agency IC Systems uses disgusting tactics to collect on miniscule amounts of money. They repeatedly called my XXXX-year-old grandmother ( who has never been associated with this debt EVER ) and told her they would come find me and arrest me if I did n't pay a {$250.00} debt. My grandmother has XXXX and this XXXX her terribly. It took me quite some time to explain to her that no one was trying to hurt me and take me to jail. IC Systems even called her a second time after she told them she does n't even live in the same county as I do.
Consumer complaint received 2016-05-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

I had to report XXXX Incidents of Fraud to Chase Bank which resulted in me having to close my checking account. Chase told me I had to come in person to close the fraudulent checking account and open a new checking account. XXXX XXXX, I notified Chase fraud department to close out my debit card because a company connected to fraud had my credit card information and another call was placed XXXX XXXX to stop a check due to another company that was fraudulent. Since I had my account with Chase it was in good standing. I got caught up in ordering things from the Internet and the companies were not reliable. Chase okay-ed my new account and my new debit card. It was not until I checked my account to see if my Social Security Check had posted into my new account I found that there was no check posted.. Their personal banker for Chase name XXXX XXXX ( XXXX XXXX had transferred everything from the old account to the new. When I called Chase to asked them what happened to the direct deposit of the Social Security check they informed me my account was close and they no longer wanted my business. They did not know where my Social Security check went and they would mail me my account balance. I informed them that I could not wait for them to mail my funds and I was told that was the best they could do. They were very insensitive to my needs when I told them I had no money. Everything I had was tied up in their Bank account and they still insisted that they could not give me my full amount back. I love banking at Chase and I do not feel because I had a few bumps in the road they should close my account. They told me it was perfectly legal and they did not have to give me an explanation.
Consumer complaint received 2015-11-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

I obtained a mortgage of {$190000.00} from XXXX XXXX XXXX Mortgage XX/XX/XXXX with a PMI of {$100.00}. The ORIGINAL HOME VALUE was {$230000.00}. The mortgage was immediately sold XXXX and had it for 5 years. In XX/XX/XXXX I applied for a loan modification and got approved where my mortgage was now {$190000.00}. In XX/XX/XXXX my mortgage was again sold to Green Tree. Since XX/XX/XXXX I have continuously asked for my PMI to be removed but kept on being denied. This year XXXX XX/XX/XXXX XXXX my mortgage is at {$160000.00} I asked for the automatic termination as stated in the Homeowners Protection Act. I got the run around for months and after months of it, I finally received a letter XX/XX/XXXX that my PMI will be automatically terminated XX/XX/XXXX. It is now XXXX and I am still being charged a PMI and after numerous phone calls, faxes and requests, they are now stating that my PMI will be terminated XX/XX/XXXX!! XX/XX/XXXX I will reach 62 % of my LTV ratio. 
GreenTree ( Ditech now ) is NOT in compliance of the Homeowners Protection Act for the following reasons. 
1. Loan modification in XX/XX/XXXX did not include a new letter or contract for the PMI stating the terms, time of automatic cancellation or when my loan would reach 80 % LTV ratio. They are refusing to supply me with this type of letter. 
2. There was no new appraisal to calculate LTV ratio during loan modification. 
3. They are NOT using the original appraisal value to calculate LTV ratio to remove PMI. I do not know what value they are using because they did not do another appraisal on my home besides the original appraisal. I asked them for the appraisals that they have on file and they only gave me the original of {$230000.00}. 
4. Currently my LTV is XXXX % when using ORIGINAL HOME VALUE. 
5. They are not honoring they letter to remove PMI XX/XX/XXXX. 
6. Ditech is now requiring me to complete a customer-requested cancellation where I have to pay for another appraisal, but it is not necessary as this should be an automatic termination since my LTV is XXXX % and nowhere near 80 %!!!! 
7. Refuse to put anything in writing when asked for letters stating their position and explanation. 
8. Refuse to allow me to speak with anyone such as the escrow department other than customer service. Customer service ALWAYS states that they do not know or are unaware and will forward my information and someone will get back to me either by phone, email or mail. No one ever responds. 

GreenTree ( Ditech ) is NOT in compliance with the Homeowners Protection Act of XX/XX/XXXX and should be fined!!
Consumer complaint received 2015-10-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: FirstPoint Collection Resources (FL)

First Point Collections Resources, Inc contacted me in XXXX 2015 regarding a debt I fully dispute. I notified them in writing on XXXX XXXX, 2015 that I disputed the debt, that I would never under any circumstances pay the debt, and to never contact me again. Since that debt First Point has made repeated telephone calls to my home regarding this debt, including one tonight ( XX/XX/XXXX ) at XXXX. These constant phone calls are harassment, and I want them to stop immediately.
Consumer complaint received 2016-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (OH)

My monthly loan payments have been inconsistently applied to principal and interest -- with the majority being applied to interest ( in some months XXXX % of the payment is applied to interest ) -- over the past several years, even though my loan is a fixed rate, and the payments were made in equal amounts and on approximately the same day of each month. I have requested my loan documents from my lender by telephone and in writing, and I have requested an explanation from my lender by telephone. The lender has not provided the documents or an explanation of the inconsistent application of my payments.
Consumer complaint received 2016-05-03
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: National Credit Adjusters, LLC (MO)

they first contacted my tele # for my mother who has passed away and then asked for me. rep nor the manager XXXX could properly explain why they are calling me. yes I am upset because one they are calling for my mother is deceased and then because she wanted to talk quietly she threatens to hang up. they are harassing me on debt that was discharged. they is to be from XXXX XXXX I do not even recognize this company.
Consumer complaint received 2016-07-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (MO)

I had an ach payment returned in XXXX which I paid as soon as I saw the bank returned it. ( Within a few days ). Not only did this mortgage company charge a return check fee on an ach but without telling me put a certified funds only hold on my account. I have been trying to make my payment for the past 2 weeks and they refuse to accept it. They want me to spend more money and send it by XXXX XXXX. I offered my debit card and told them they could run it because if they were worried about the money not being there they would know with me on the phone because my debit card wo n't work if the money is n't there but that I have the money & I 'm just trying to pay them. Even the supervisor said they ca n't accept my payment. I am worried that I may lose my house because I am now over 30 days late.