davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-11-21
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. (TX)

I have disputed this account for the past 2 years. When the account first popped up on my account I immediately had the accounts associated with this account removed from my account and didnt have any problems with XXXX  or XXXX  getting them removed back in XXXX. While Equifax was going through there breach they did not report any of this information. When they did report the information back in XXXX i started disputing this error. I have been disputing this fraudulent account for the past 2 years with Equifax and do not seem to want to remove this account. I have disputed and disputed, and disputed, and disputed and i dont know what else to do. The information used to obtain this apartment can not be provided. I have requested a copy of my drivers license, social security and application used to obtain this apartment and XXXX XXXX XXXX nor can XXXX XXXX XXXX  provide this information. I dont know who obtained this apartment and neither do they ...
Consumer complaint received 2019-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have never missed a payment for XXXX XXXX XXXX , XXXX . Please investigate, according to my records I have never missed a payment.
Consumer complaint received 2019-10-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (PA)

Hi, I have contacted Ditech twice about my adjustable rate mortgage. During XXXX, my interest rate increased due to rising interest rates. However, this year, interest rates tumbled, but my adjustable rate has not declined. I have phoned Ditech twice. The last time was yesterday. I spoke to an agent, who then transferred me to refinance. That is not what I wanted. I asked to speak to a supervisor, but they transferred me to the new company that bought Ditech 's business. They do not have a record of my account because it has not transferred yet. 

On the current Ditech website, it appears that my rate will stay the same, 5.25 % and be reset on XX/XX/XXXX for five more months. I feel helpless because Ditech is paralyzed and the new company will not lower my adjustable rate mortgage. In fact, it should have been lower this year, which means Ditech owes me interest money. I doubt I will see anything, since they have declared bankruptcy, but wanted documentation to show that I have tried to deal with this situation.
Consumer complaint received 2019-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.
Consumer complaint received 2019-09-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (NY)

I requested a validation of the debt from collection agency XXXX XXXX XXXX, XXXX. In my request for validation, I demanded a authenticated copy of an original contact with my signature as per the Fair Debt Collections Practices Act, tile 15 U.S.C section 1692g. XXXX XXXX XXXX, XXXX failed to validate the debt. The only documentation that I have received is a billing statement from the original creditor. I do not consent to contract with XXXX XXXX XXXX, XXXX. The collection agency is in violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX, my social security number is XXXX, my address is XXXX XXXX XXXX XXXX Oh XXXX. I requested a copy of my report and I am verifying my identity. Please remove any and all security freeze or blocks from my file!
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (ME)

EQUIFAX- I was Unable to obtain annual free credit report- at XXXX ( rec 'd the other 2 -XXXX & XXXX - very simply ) Several hours on phone with multiple EQUIFAX representatives- finally able to obtain access to https : //my.equifax.com/membercenter/ # /credit/summary Unable to " Verify Security Questions '' as EQUIFAX information is incorrect/wrong : Equifax has MY CURRENT Address listed as Previous Address and my Previous Address listed as Current Address Equifax has Incorrect Employer Information- When I Tried to Include a " Personal Statement '' to Add Current and Previous Employer- Site showed " use only Valid characters '' which I typed statement in ALL CAPS no other characters except numbers for the dates- but not able to Print simple PDF Credit Report- which has incorrect information- EQUIFAX representative gave me a Dispute Phone # of XXXX which is a disconnected #. Then XXXX Representative gave me XXXX as a Dispute # and I was told they couldn't " Verify my Identity '' and couldn't update my Address
Consumer complaint received 2019-09-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IA)

My Loan is with Carrington Mortgage. # XXXX. 
I have owned my home for XXXX years, since XX/XX/XXXX. When it got sold to XXXX I have had nothing but horrible service. I got behind a couple months on my mortgage due to starting a new job, and going thru a divorce. My mortgage used to be : {$760.00}. 
I paid XXXX XX/XX/XXXX, not a full payment on XX/XX/XXXX ( I paid XXXX ), On XX/XX/XXXX, I paid XXXX, on XX/XX/XXXX, I paid XXXX, on On XX/XX/XXXX I paid XXXX, On XX/XX/XXXX I paid TWO payments of XXXX to 'get caught up ' and on XX/XX/XXXX I paid XXXX for XXXX thinking THAT CATCHES ME UP. Nope it still didn't. Oh and by the way, they raised me to XXXX from XXXX stating that it was because I needed a bigger escrow cushion due to me being late before. I paid XXXX on XX/XX/XXXX, and paid ONLINE for XXXX of {$920.00} ( to include a late fee ) and they said I 'was one number off on my acct number so they never took it ) that is not true because I don't even enter my acct. number each time I pay, its SAVED!! I didn't know the bank didn't take it either until I went to pay XXXX XXXX for XXXX and find out I am now 2 mths behind and they tell me I have incurrec {$400.00} in late fees!! This is so fraudulent on so many levels. I also got a letter from them yesterday called " intent to foreclosure. ' saying they will only take XXXX and nothing less and it has to be paid in 30 days from the date of the letter or they are taking my home. Which I know has been their intent since they bought my mortgage. XXXX of the XXXX is late fees ... I should be able to pay my XXXX but they are not allowing me to. I am beyond upset. I have about 2 mths left until my divorce is final and this is all so stressful. I can't lose my house over this.
Consumer complaint received 2019-09-14
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. (CA)

I believe my credit report is mixed with my XXXX, who shares a very similar name to me. On our credit report, we have both of our credit history on there ( including auto loans, credit cards, etc. ) Our social security numbers are one digit apart so I can imagine why the mix up happened. We have tried to contact the three credit bureaus and sent in information to prove that we are two different people but still with no results. They are also very hard to reach in general and do not follow up with us ( even though they said they would ). Our mixed credit report is blocking me from being able to change my last name ( to my husband 's ), as well as preventing our ability to buy a home.
Consumer complaint received 2019-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

I am in Ch XXXX bankruptcy, and the servicer refused the full XX/XX/2019 mortgage payment of {$1400.00} I made, and returned it to my bank on XX/XX/2019. Here is a timeline of events : On XX/XX/2019, I called Mr. Cooper ( the servicer ) because my XX/XX/2019 mortgage payment was refused, and I was instructed to call their counsel, XXXX XXXX  XXXX. A few minutes later, I called XXXX XXXX  XXXX and was told that XXXX payment was refused because my account status was mistakenly changed to active foreclosure in Mr. Coopers computer system. Following the phone call, I sent an email to XXXX XXXX  XXXX confirming the conversation. A follow-up email was also sent to XXXX XXXX XXXX that included correspondence from my banks Bill Pay department regarding the returned mortgage payment. 

During this time, XXXX XXXX XXXX was conducting an audit of my mortgage account. After conducting an audit of my mortgage account, they informed me on XX/XX/2019 that they had withdrawn their Notice of Intent filed on XX/XX/2019. That same day, I contacted Mr. Cooper to make mortgage payments for XX/XX/2019 and XX/XX/2019 and was told that my account status had to be updated in their system before payments are accepted again. I was also told that I would be sent a statement once my mortgage account status was fixed.XXXX XXXX  XXXX filed another Notice of Intent on XX/XX/2019 while I was waiting for Mr. Cooper to fix my account status and accept payment from me again. 

On XX/XX/2019, I received a mortgage statement dated XX/XX/2019 but it reflected an inaccurate balance of {$850000.00}. My monthly mortgage payments are {$1400.00}, so the correct amount due should be {$5600.00} for XXXX, XXXX, XXXX, and XXXX. 

On XX/XX/2019, I filed a Response to XXXX XXXX XXXX most recent Notice of Intent ( they have filed and withdrawn 3 Notices of Intent within the last 6 months ), and the U.S. Bankruptcy Court for Maryland has scheduled a hearing for XX/XX/2019 to help me resolve my mortgage account issue. 

On XX/XX/2019, I sent a payment of {$4200.00} for XXXX, XXXX, and XXXX mortgage payments. However, on XX/XX/2019 around XXXX EST, a customer service representative in Mr. Coopers bankruptcy department said that my account status was still not fixed so the payment may be returned. On XX/XX/2019, my mortgage payments for XXXX, XXXX, and XXXX were returned to my bank and stamped as refused. 

Finally, in a Praecipe to the Circuit Court for XXXX. County, XXXX XXXX  XXXX falsely claimed that the stay from foreclosure was recently lifted by the bankruptcy court and so foreclosure events will commence, but the stay is still in place according to the US Bankruptcy Court in XXXX. I subsequently sent a Notice of Error to Mr. Cooper, XXXX XXXX XXXX, and XXXX XXXX for refusing my payments and refusing to fix my account status.
Consumer complaint received 2019-10-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (FL)

On XXXX the XXXX I sold a property with my other two siblings. XXXX XXXX XXXX  received a report that I owe two credit cards from Discover. They held the funds in Escrow but they gave me a full month to fix the problem. XXXX a Collection Agency had both credit cards for collection but one of the credit card debt was closed. So I called Discover and they told me I owed {$3200.00}. In the meantime XXXX XXXX XXXX paid the first credit card that was open but then is when the trouble started because XXXX XXXX XXXX asked XXXX the Collection Agency if they had the other credit card debt. XXXX  responded they had it but IT WAS CLOSED. XXXX  XXXX XXXX gave them inside info that the debt was still open so XXXX   called Discover and got the account open back again. I called Discover ready to pay but they told me to call XXXX. So now I am stuck with XXXX  which is demanding I pay {$6600.00} XXXX XXXX XXXX ( XXXX ) did MALPRACTICE on me. Please notice that The Judgement amount on the open credit card debt was {$5700.00} but I paid {$7500.00} which is {$1800.00} or 32 % of The Judgement amount. But now ; on the second Judgement of {$3600.00} they want to charge me {$6600.00} which is {$2900.00} or 81 % above the Judgement amount. 81 % - 32 % is a 49 % difference. I will not deny I have insulted both ; XXXX XXXX at XXXX XXXX XXXX and Mr. XXXX at XXXX. I wanted to file a lawsuit for malpractice but I was told it takes years and expenses and it is such an insignificant quantity of money that it is not worth it. I have asked Mr. XXXX to return the account to Discover so I pay them what they asked the {$3600.00} but to no avail. XXXX is not writing to me anymore. He is just waiting for the escrow to be released for the amount he says.
Consumer complaint received 2019-09-16
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. (MN)

On XX/XX/2019, I received a response to my dispute concerning my XXXX XXXX equity loan. I questioned whether it was reported as a revolving loan, or as a mortgage loan, since I elected to close it as a equity loan. I signed papers to that effect, upon my decision not to continue the loan in its previous status. Equifax responded with a rehash of old data, identifying it still as a equity loan. during the same period of dispute, my credit score dropped over XXXX points. I contacted Equifax and no one can explain the why the discrepancy, or drastic drop in credit scores. My XXXX XXXX XXXX, Equifax published score was XXXX, Recent score on Equifax 's website for the same period was XXXX.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

In 2016 my husband and I had a family circumstance causing us to fall behind on our mortgage. We attempted a loan modification but the mortgage company threatened foreclosure. We were afraid we would lose our home and filed for Ch XXXX bankruptcy. Right after we filed the mortgage company agreed to a modification. We dismissed the Bankruptcy because we no longer needed to do it. We never had to pay any trustee payments because the modification was resolved right after we filed. All 3 credit reporting agencies have the bankruptcy on mine and my husbands credit reports. Its destroying our credit and we never had to participate in the bankruptcy as we voluntarily dismissed it. Weve disputed this with the 3 credit bureaus and they refuse to remove it from our credit reports.
Consumer complaint received 2019-09-14
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: CCS Financial Services, Inc. (FL)

I have disputed these collection items showing on my credit report before but then they keep reappearing. XXXX is showing 2 collections items on my credit report, NEITHER of them are mine or related to me. 
Prior Dispute Report # XXXX 1. Credit Collection Service- acct XXXX for XXXX- XXXX XX/XX/XXXX & XX/XX/XXXX Prior Dispute Report # XXXX 2. XXXX XXXX- # XXXX I have never lived in California , nor applied for or have had any interactions with these companies. I have also been a victim of ID Theft in the past which I informed XXXX of in my initial dispute. 
I tried contacting the above companies with the information provided on my Credit Report however they want my personal information. Since this is already an error I do not trust giving my personal information to a company I have no dealing with. 

I take pride in my credit and these items are not mine & want them removed. I also want a credit lock/block on my account going forward.
Consumer complaint received 2019-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (CO)

Guaranteed Rate Inc consistently applies payments to my mortgage account incorrectly. GRI has been servicing my loan for 16 months of the 26 total payments I have made, 16 not correctly applied to my account. All the misapplication errors are in favor of GRI, if not caught these errors would cause me to pay more money than required. I made the most recent payment not correctly applied on XX/XX/XXXX ; a curtailment payment in the amount of {$2200.00}. GRI applied {$690.00} to my XX/XX/XXXX scheduled payments and {$1500.00} to curtailment Notify GRI of these errors thru RESPA NOTICE OF ERRORS address results in more payment errors. The most recent example is a letter sent by GRI dated XX/XX/XXXX. In this RESPA response letter GRI listed several payment reversal and payment applications, however the response letter resulted in additional errors. A curtailment payment made on XX/XX/XXXX that misapplied as my XX/XX/XXXX scheduled payment was reversed and never reapplied as a curtailment payment. 

Notifying GRI of payment errors results in erroneous fees. In a RESPA NOTICE of ERRORS response letter dated XX/XX/XXXX, XXXX claims that a Bad CHECK payment on XX/XX/XXXX and charged me a fee of {$20.00} and also claims a Bad CHECK on XX/XX/XXXX and charged me another {$20.00} fee. GRI received no BAD CHECKS. 

GRI consistently sends me monthly Mortgage Statements that do not accurately reflect my mortgage account activity. Most statements show payment amounts as XXXX, making it impossible to know what is going on with my account with all the payment misapplications reversals. 

GRI must be attempting to trick me into paying more money than required. GRI is secure in knowing that I can't choose a different servicer and therefor is not too interested in servicing my mortgage correctly. A XXXX child could do a better job.
Consumer complaint received 2019-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

this debt showed up on my credit and I have no idea about it. my. mother had the same collection on hers for XXXX and I had it for 50. this company seem to jus randomly place a collection on my credit
Consumer complaint received 2019-10-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My Original mortgage was taken out ( interest was 6.4 % ) in XX/XX/XXXX for 30 years fixed term. In XX/XX/XXXX while I was on XXXX, the bank modified the mortgage. The term was extended to 40 years with interest rate of 3.4 %. The lender included a new mortgage clause ... ( adjustable interest rate after 5 years. ) I protested against this clause. The lender assured me verbally that as interest rate will be lower after 5 years, it is in my interest to accept adjustable rate. As they have undue advantage and my health was bad, I have to accept whatever they verbally said. After 5 years, they increased my rate to 6.4 % again, and then sold my mortgage to a new Corporation. I tried to deal with the new company, but they refused to modify my mortgage on the basis that my income is too low. Although, my income is slightly more than what was in XX/XX/XXXX. They did modify with same income i XX/XX/XXXX but refuse to do it again in XX/XX/XXXX. After that my mortgage was sold back to original lender. I again approach to the original lender but they refuse to modify my mortgage as my income was too low. ( But they did modify inXX/XX/XXXX with the same income. ) The process they adopted in XX/XX/XXXX, should be followed up after XX/XX/XXXX.b but they refused it saying my income is too low. My Federal income is just under {$1200.00} per month, out of this amount approx. 2/3 goes in mortgage payment. The mortgage payments contains almost all INTEREST earned by the Bank. It is very unfair. Government help is taken away from me by charging me sky high interest by the Bank.