davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Notified by XXXX XXXX that they were unable to pull my Equifax credit report. They were successful in pulling reports from XXXX and XXXX. I contacted Equifax and they tell me they could not locate my credit data file. I am XXXX years old. I have had a credit file since approximately XX/XX/XXXX and suddenly it doesn't exist with Equifax as of sometime in the past year! I have had no difficulty accessing my Equifax credit report in previous years. I have had a Fraud Alert on my account for several years and have successfully lifted the freeze numerous times -- most recently XX/XX/XXXX-XX/XX/XXXX. I have always been able to use my PIN # to lift the alert online. Now, I am unable to lift the fraud alert with my Equifax account. I have tried unsuccessfully lifting the alert online, by the automated phone system as well as the phone app. I have spoken to several Equifax representatives over the past 2 weeks with no success getting to the root of the problem. Most recently I was told that even though I gave them my PIN #, I would need to mail/fax a copy of my driver 's license and social security card to them before they can help me. I am in the process of purchasing a new home ( within 10 days ) only to find that I am unable to apply for credit for appliances or more importantly apply for homeowners insurance ( they will run a credit check ) as well as set up utilities. What am I supposed to do while we wait for this to be resolved. The customer service representatives kept referring me back the website or automated phone systems to lift the alert! It doesn't work!
Consumer complaint received 2019-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Machol & Johannes, LLC (CO)

I was contacted by a debt collector called Machols Johannes in XXXX, Colorado about a debt that I had already been to court on and setup payment arrangement with and paid the entire bill off. That company was XXXX XXXX XXXX. I have trying to Express my situation with Machols and Johannes bu th they just wont listen and have now file a court case against me for a bill I already paid.
Consumer complaint received 2019-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I previously filed a complaint with equifax thru this agency on these two accounts were said to have been deleted. I am attaching a copy of the response from equifax dated XX/XX/XXXX and the current copy of my XXXX XXXX  report. As you can see they are still showing on my file. Also I am disputing the {$61.00} new collections from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. I dont see doctors in XXXX. This is also the same city that someone had water turned on in my name. I had previously sent equifax the copy of the fraud report I filed in XXXX when I first discovered this. 
I want these accounts off my report
Consumer complaint received 2019-05-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC (TX)

A debt through bay area credit service came up on XXXX XXXX for me, so I called them and paid the debt off in 2 payments. The payments were taken by XXXX XXXX, 1st payment was on XXXX for {$450.00}, the 2nd payment to pay it off was on XX/XX/11 for {$280.00}. They had my address incorrect in their system, so I gave them my correct address when i scheduled the payments. About a week after the account was paid in full I called and spoke with XXXX XXXX and asked him to delete the debt from my report because I never received notice of the debt to begin with and wouldv'e paid it from the beginning to avoid it getting reported if I knewabout it. I was told that it is company policy to not delete debts from credit reports, even if the address was incorrect.
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Since XXXX of 2018, XXXX XXXX has been charging both our credit cards from XXXX and Capital One. However, we never used our credit cards at our local XXXX store but if any, we used cash or our XXXX debit card. There have been unauthorized charges going on for over a year which we only caught recently as they were small purchase amounts. However, this kept occurring even with cards reported as lost. Even with the new numbers XXXX was able to charge us. One charge occurred miles away from where I was sitting at dinner with friends and in possession of the card. At first, XXXX and Capital One did investigate and determine that those were fraudulent charges but since then they claim since it was used with chip cards, those charges must have been legitimate and basically tell us, the customer, that we are lying. 
We are outraged since theres no protection against the fraud and wrongful accusations.
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or there is an issue with the banks for them to get my payments.I 'm really don't know what happened.
Consumer complaint received 2019-05-18
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've requested investigation and demanded verification that meets the requirements of FCRA 609  ( a ) 1a for several items within the past 30 days thats XXXX, Transunion, and XXXX alleges was verified as accuraye although they do not belong to me and all 3 bureaus have failed to provide the requested verification documentation and contact info of who they obtained the verification come and the methods used all of which I've previously requested on more than one occassion. Their continued failure to do so leaves me no choice but to file a lawsuit against all three of the bureaus for violation of the FCRA but before doing so I wanted to file a formal complaint here first.
Consumer complaint received 2019-05-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (TX)

We filed for Chapter XXXX Bankruptcy in XX/XX/XXXX, after two years of submitting payments timely to the trustee, we requested approval from the bankruptcy trustee to purchase our home. The trustee approves the loan so long as it meant several requirements, such as the loan could not exceed a certain amount, interest rate could not exceed more than a certain percentage and our monthly payment with taxes, etc. escrowed, couldnt exceed a certain amount. We purchased our home while still in active bankruptcy and XXXX XXXX  closed our loan. Within no more than two months, LoanCare took over the servicing of our loan. Within no more than twelve months we received a document saying that our payment had increased and the amount was increased higher than what was approved by the bankruptcy court. This caused us to get behind and LoanCare stopped posting our payments to our account when we became 60 days past due. I contacted them when we became delinquent and I was told to submit a loss mitigation application. We submitted five loss mitigation applications starting in XXXX thru today. LoanCare continuously failed to reply timely and only after we would spend countless hours on the phone and trying to communicate in any way possible would we ever receive a response. The last application was submitted in XXXX. We never received a reply until we contacted LoanCare 33 days after we submitted the application to find out that our loan was in process of being sent to foreclosure. We then spent the next several weeks trying to obtain information on why the application had been denied, which we were given a reason that was not accurate or true or correct. Once we found this out, we sent an appeal letter for the denial and have yet to hear anything or be able to contact someone that can speak with us regarding our account. 

In addition to this, we have been requesting an itemization of our account and our first request for this information was a year and a half ago. We received it for the first time this week. Because we had been unable to obtain this information, we sent a formal dispute and requested documentation to show the validity of the debt - to which we have yet to receive a response on. 

We were informed by the foreclosure attorney that is representing LoanCare that the itemization had been sent previously, however, was unable to locate any tracking or proof that this actually occurred. 

Finally, I am concerned that an attorney that represents a party other than the owner of the debt can have authority to wrongfully foreclose my home.
Consumer complaint received 2019-05-18
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)

I've requested investigation and demanded verification that meets the requirements of FCRA 609 ( a ) 1a for several items within the past 30 days thats Experian, XXXX, and XXXX alleges was verified as accuraye although they do not belong to me and all 3 bureaus have failed to provide the requested verification documentation and contact info of who they obtained the verification come and the methods used all of which I've previously requested on more than one occassion. Their continued failure to do so leaves me no choice but to file a lawsuit against all three of the bureaus for violation of the FCRA but before doing so I wanted to file a formal complaint here first.
Consumer complaint received 2021-10-19
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. (DC)

I had a tenant and employee that committed fraud when they signed the agreement with XXXX XXXX  i did not sign the agreement, the agreement was signed illegally without my support and signature. I did note enter into the agreement the woman XXXX who signed the lease, signed up with XXXXXXXX XXXX not me. I need this removed from my credit it is killing my credit score. The agreement was not entered by me it was fraud i did not know about it until I applied for a loan and my credit score was getting hit by XXXX for a debt i did not authorize, sign or even know about.
Consumer complaint received 2019-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (FL)

In XX/XX/2019, I spoke to XXXX XXXX XXXX with regard to lowering my mortgage payment and escrowing my real estate taxes. I sent them a letter of request asking them to advise me after a payment of {$180000.00} what my new monthly payment would be for the remainder of the original loan terms. 
I received a response that after receipt of the lump sum payment my mortgage payment would be around {$340.00} a month but since I have always paid my real estate taxes separately they would not be able to calculate a monthly payment with taxes included. I called XXXX to advise that I would be sending {$170000.00} on XX/XX/XXXX and the agent advised me that the loan would recast and XX/XX/XXXX statement would reflect the new lower payment amount due. 
On XX/XX/2019 I scheduled my XX/XX/XXXX mortgage payment with a lump sum payment of {$170000.00}. After a week I noticed that the check had not been cashed. I called XXXX to investigate and was advised that the new servicer would be PHH Mortgage Services, XXXX XXXX XXXX XXXX  XXXX, NJ XXXX. The following day I received a letter in the mail with the new servicers information. 
On XX/XX/2019, I called PHH to see what the XX/XX/XXXX payment would be they advised me the new payment would remain the same and that in order to recast with them I would need to apply, pay a {$300.00} application but there was no guarantee it would be approved, however, if denied I would receive the {$300.00} application fee back. 
As a consumer I feel that I am being robbed of an exorbitant amount of money and requesting assistance in this matter. This was done to lower expenses since my income has changed because my spouse is currently battling XXXX. Now in addition to the fear of that loss I fear losing my home as well. If they were not going to honor the XXXX agreement they should not have cashed the check.
Consumer complaint received 2019-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NC)

Please be advised this is my FIRST WRITTEN REQUEST. The unverified item listed on my credit report is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (AR)

I notice I had an hard inquiry on my credit report on XX/XX/2019 for a credit card from syncb/amazon. I did not request a credit card. 
This is all the information I have about the company Syncb/amazon XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2019-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1.  Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state. 

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (TX)

Within the past 6 months, XXXX XXXX has decreased my credit limit 3 or 4 times making it impossible to pay off or even have a desire to shop there. I feel discriminated against.
Consumer complaint received 2021-07-12
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. (FL)

I have no knowledge of the following false disputed accounts : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX 3. XXXX XXXX XXXX  account XXXX 4. XXXX  XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Consumer complaint received 2021-07-12
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. (NE)

In response to the account XXXX  # XXXX, that was deleted from my Equifax Consumer files on XX/XX/2021, multiple FCRA violations have been committed on behalf of Equifax in regards to my consumer rights. Such violations have caused my Fico score to drop significantly and has hindered my ability to attain credit products. 

1. This account reappeared on my Equifax report on XX/XX/2021. I have not received any documentation that Equifax has received any new documentation urging them to reinsert this account from the original creditor. Simply saying that they have new information does not suffice, as I, the consumer, must have proof of this new documentation, which I have never received. I have only received a notice saying it was reinserted, with no true proof that an investigation was conducted nor new documentation found justifying its reinsertion. Neither did I ever authorize this reinsertion 1. Violation FCRA 611 ( 5 ) ( B ) ( i ) and 2. FCRA 611 ( 5 ) ( B ) ( ii ) 3. Violation FCRA 611 ( 5 ) ( C ). Procedures to prevent reappearance I, XXXX XXXX XXXX, have every reason to believe that Equifax has not maintained reasonable procedures to stop this account from reappearing on my credit report within these three federal statutes : As I was never made aware that correspondence was ever made between Equifax and XXXX after XX/XX/2021 and between XX/XX/2021 when the item reappeared. 

Equifax sent me a notice in the mail dated XXXX XXXX. Such notice stated that the account was verified on my credit report. Yet no explanation as to how they were able to verify this information was included. I have reason to believe that Equifax has conducted no reasonable investigation into the reinsertion of this account. My consumer rights have been violated and I am prepared to file suit against Equifax in small claims court pursuant to FCRA 616 and FCRA if this item is not promptly deleted from my Equifax credit profile. 

I urge that you make Equifax aware of the amount of compensatory damages that I am owed as a result of their negligence and FCRA noncompliant behavior.
Consumer complaint received 2021-07-12
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. (NE)

In response to the account XXXX/XXXX  # XXXX, that was deleted from my Equifax Consumer files on XX/XX/2021, multiple FCRA violations have been committed on behalf of Equifax in regards to my consumer rights. Such violations have caused my Fico score to drop significantly and has hindered my ability to attain credit products. 

1. This account reappeared on my Equifax report on XX/XX/2021. I have not received any documentation that Equifax has received any new documentation urging them to reinsert this account from the original creditor. Simply saying that they have new information does not suffice, as I, the consumer, must have proof of this new documentation, which I have never received. I have only received a notice saying it was reinserted, with no true proof that an investigation was conducted nor new documentation found justifying its reinsertion. Neither did I ever authorize this reinsertion 1. Violation FCRA 611 ( 5 ) ( B ) ( i ) and 2. FCRA 611 ( 5 ) ( B ) ( ii ) 3. Violation FCRA 611 ( 5 ) ( C ). Procedures to prevent reappearance I, XXXX XXXX XXXX, have every reason to believe that Equifax has not maintained reasonable procedures to stop this account from reappearing on my credit report within these three federal statutes : As I was never made aware that correspondence was ever made between Equifax and XXXX after XX/XX/2021 and between XX/XX/2021 when the item reappeared. 

Equifax sent me a notice in the mail dated XXXX XXXX. Such notice stated that the account was verified on my credit report. Yet no explanation as to how they were able to verify this information was included. I have reason to believe that Equifax has conducted no reasonable investigation into the reinsertion of this account. My consumer rights have been violated and I am prepared to file suit against Equifax in small claims court pursuant to FCRA 616 and FCRA if this item is not promptly deleted from my Equifax credit profile. 

I urge that you make Equifax aware of the amount of compensatory damages that I am owed as a result of their negligence and FCRA noncompliant behavior.
Consumer complaint received 2020-10-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES (CO)

While truing to refinance my mortgage through Provident Funding Associates, L.P. Loan Officer XXXX XXXX / NMLS ID : XXXX asked me to sign a mortgage application that was not correct ( excluded some of my liabilities ) in order to proceed with the refinance and lock my rate. I asked him to add the liabilities to the form so I could sign it, but he said he could not do that. He said to sign the incorrect initial application, and the changes would be reflected on the final application I would also sign. If I did not sign the initial application with the incorrect information, he could not proceed with the refinance. I told him this was not right, I would not sign an application that was not correct, and asked to speak with a supervisor. He refused to let me speak to a supervisor.