davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Rocket Mortgage, LLC (CT)

I was able to pay off my mortgage in XX/XX/year>. I received the Release of Mortgage from XXXX of this year after I called and asked for a copy. That release of the mortgage was sent to the town of XXXX, XXXX Clerks office for the official filing. I thought this was the final issue with Rocket Mortgage. 

To my surprise, in XXXX I received a Delinquent Statement from the Revenue Office. 

Since my taxes were always included in my mortgage, I have never received a tax bill. I did expect to receive one directly since the mortgage company was no longer involved. But to my astonishment, the bill I received was a delinquent billing XXXX months after the release of the mortgage. It turns out Rocket Mortgage has never sent a release of the escrow account to the town. I will never get a timely tax bill until that happens. So I was penalized with a {$90.00} late fee. 
I have not received the title to my property either.
Consumer complaint received 2023-11-20
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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I sent a letter to the credit bureaus requesting them to correct these accounts due to inaccurate, unverifiable information. On XX/XX/XXXX I received a letter stating that these accounts were verified. However, I sent a method of verification letter on XX/XX/XXXX and received a response letter on XX/XX/XXXX that did not indicate their procedural method of verification. Due to the fact that these accounts were not corrected, they violate FDCPA and they are in violation of the law. 

These violations include but are not limited to : Section 809 ( b ) Section 809 ( a ) Section 807 ( 8 ) Section 807 ( 10 ) 813. Civil liability I am frustrated because these accounts that should have been removed are impacting my life.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Account name : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-10-16
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: Diversified Adjustment Service, Inc. (MI)

On XX/XX/XXXX I received a call from XXXX rep after I placed a complaint with FCC regarding improper billing due to me closing the account. And they didn't close my account on time resulting in XXXX dollars charge. I paid it over the phone even though I didn't agree with that charge. However now the collection agency is refusing to remove the charge from my credit report. And the charge is double on top of that. Meanwhile XXXX is refusing to give me XXXX balance statement. I need that fixed right away. I was a XXXX customer for over 15 years and never late. I feel I am being scammed. Please help.
Consumer complaint received 2024-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc. (FL)

I've been in contact with this company since receiving a demand letter in XXXX ( 2024 ). I requested debt validation documentation as required by the FCCPA. The request was specifically for a signed agreement or any other document that addresses the creditor 's right to the presumed debt and services rendered. The company failed to provide the information and escalated its effort to extort by filing a derogatory report with the credit bureaus.

Further, upon disputing the claim via the credit bureaus, the company certified to the bureaus that the debt was true and correct without providing the requested documentation.

The company continues its refusal to provide the requested information, acting in a malicious and predatory way.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX is reporting an account as adverse against my credit file which has caused a drop in my credit score of almost 100 points. The account shows over 30 days past due and it has never been late. I have contacted the creditor numerous times and they agree that the account was never 30 days past due and should be updated. However, the account has not been updated on my credit report and my credit score is still affected. I have disputed this item with Trans Union and the creditor will still not update the account. I have emails from the creditor stating they agree with me and the account should be updated to show it has NOT been 30 days past due. I have also given a copy of my credit report to the creditor to show them the incorrect information is still being reported and nothing has been done. I need to get this account corrected. I have been working on this since XX/XX/2019.
Consumer complaint received 2024-10-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PayTomorrow, LLC (UT)

I am writing to file a formal complaint regarding PayTomorrows deceptive loan and lease terms, which have negatively impacted my credit and overall financial situation. I initially financed a purchase through PayTomorrow, and at the time of applying, I was led to believe that my payments were structured as a simple loan repayment. However, I later discovered that I had not only a loan but also a lease associated with my account, resulting in unexpected payments.

The terms of the agreement were not clearly communicated during the application process, and at no point was I made aware that the {$75.00} weekly payments were required, instead of the XXXX XXXX  monthly payments I was originally told. This misunderstanding resulted in several late payments being reported to the credit bureaus, causing damage to my credit score. Despite my best efforts to resolve the issue, including paying off the balance in full and sending multiple goodwill letters, PayTomorrow has been unresponsive and unwilling to assist with removing the negative items from my credit report. 

Furthermore, I have come across numerous complaints from other customers who experienced similar confusion about PayTomorrows loan and lease terms. It appears that PayTomorrow consistently fails to disclose critical information about its financing structures, which is misleading and predatory. The companys lack of communication when payments are incorrect, and failure to respond to customer concerns, is unacceptable. 

I am requesting that PayTomorrow remove the late payments from my credit report, as they were a result of unclear and misleading loan terms. Additionally, I urge PayTomorrow to review its communication practices and improve transparency for future customers to prevent similar issues. 

Thank you for your attention to this matter.
Consumer complaint received 2024-07-09
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. (IL)

In accordance with the Fair Credit Reporting and XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

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.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Accounts # 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 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 has violated my rights. 

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
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX services is commiting tax fraud and are violating FCRA laws. They have cancelled a alleged debt that the company is still trying to collect. The company has also wrote the alleged debt off so what I don't understand is why is XXXX card services is reporting taxable income to all XXXX bureaus as a debt knowing XXXX well that debt and taxable income are XXXX different things. The company also knows that since they wrote the alleged debt off they need to send me a 1099c because they KNOW that it eradicates the debt making it taxable income which is not reporting on a consumer report XXXX5 USC 1681a. And guess what the company is not complying to send me my 1099c so I can finally get thing Charge off removed since it is now classified as taxable income. XXXX  card services is commiting both tax and consumer fraud which is illegal. None of this is made up the reports clearly states it on the attachments below. 



Account number : XXXX
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/year>, I received an email from Chase bank regarding a wire transfer transaction confirmation on my account. Upon looking at my account history, a fraudulent wire transfer was made to XXXX in the amount of {$4200.00}. 

Let it be known that I had my checking account with XXXX for at least XXXX years, and I have never made a wire transfer. Additionally, with a wire transfer never been completed on my behalf, and for a lump sum amount that I do not spend out of my checking account, I never received a call or text message from Chase regarding a potential fraudulent transaction being made on my account. 

I filed a fraud claim with Chase Bank ( Claim Number XXXX ) on XX/XX/year>, as well as had my checking account cancelled, and a new checking account opened. 

On XX/XX/year>, I called the Chase Bank and spoke with a representative who indicated that the claim has been denied for the reason of " no account takeover ''.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 Balance XXXX {$1500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$390.00} ; XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX  XXXX Balance : {$380.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without court consent and sharing when original houser XXXX XXXX and XXXX has deleted it and TransUnion also received court documents stating to remove the information. 

Dispute Details The closed account referenced above is inaccurately reported as all the reporting balance dates are incorrect. These accounts were not included in a wager plan. You are continuously updating the date of the last activity every single month on these closed accounts. It is clearly obvious that you are prolonging the statute of limitations for these accounts to make them last longer on my consumer report. The date of the last activity is and Im unsure you will change it next month. I am not sure if you have some type of business relationship with these creditors, but I am not happy that you are changing the date every month. this account was put on my credit report on, and you are making this account look newer than what it really is which is false and misleading.

Credit Reporting Act ( FCRA ).

As per 15 USC 1681i, I am entitled to dispute inaccuracies on my credit report and request that you investigate the matter within a reasonable timeframe. I have enclosed copies of relevant documents supporting my claim, including dispute letter. Additionally, under 15 USC 1681c, any negative information on a closed account should not be retained beyond the permissible period, typically seven years from the date of closure. Please ensure that any outdated or incorrect information is removed in compliance with this statute. Furthermore, 18 USC 8 states that any entity misusing or misrepresenting information, including credit reporting agencies, is subject to legal consequences. I trust that your agency adheres to these regulations and will correct the inaccuracies promptly. 

These accounts were not included in a wager plan. TransUnion owes me compensation for sharing incorrect information
Consumer complaint received 2024-10-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (CO)

I went to the hospital and unfortunately forgot my insurance card. After my visit I went to the hospital to give my card, but was turned away and given a number to call. The hospital was during a remodel and company name change. Phone lines were disconnected and unable to get a hold of anyone. I tried other numbers with no luck as well. I went to hospital again and was finally able to get to speak with someone. I was given another number and was finally able to reach someone. They entered my information but they did it wrong. This was entered well after my visit since I was unable to reach anyone. The hospital redid the bill then sent another bill but it was incorrect. I have union benefits of a XXXX hospital visit deductable. This debt collector bought a debt from a hospital that I didn't pay because of their billing error. I refuse to pay them more than my deductable. I want you pay my deductable account because that's my portion I'm responsible for. I sent a certified letter to debt company stating debt isn't mine and discontinue contact with me unless you send correct bill. Debt collector did not stop and sent a final bill of the incorrect amount.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (AZ)

On XX/XX/XXXX, I opened a One Main Loan account through One Main in California. I was making regular payments but fell on hard times and unfortunately stopped paying on the account. It did indeed go to collections. On XX/XX/XXXX, I filed for bankruptcy utilizing an attorney. The information was sent to all of my creditors, One Main included. I confirmed with the company they received the bankruptcy paperwork from my attorney. In XXXX, the bankruptcy was discharged and no more than a month after being discharged, One Main put this defaulted loan back on my credit profile. I reached out to the company immediately and the lady I spoke with ( name unknown ) was extremely rude and said something like they don't have to take it off because the balance is XXXX. So apparently before my bankruptcy discharged they switched my account to owing XXXX. But see if I owe XXXX as it says, how can this be defaulted? I asked her that question and no answer. I then hung up on her and immediately contacted my attorney. She said she has no clue what that representative was referring to because it doesn't matter if the balance is XXXX or not, it was included in the bankruptcy and should no longer be on my credit report. My attorney requested their information and I provided it to her. She reached out and within a couple weeks it was off my credit. A few months later, and it returned. I then tried multiple times to dispute with XXXX and keep getting the same result " the debt is valid. '' It is valid. I'm not disputing that but it was included in a bankruptcy. It legally should no longer be on my credit report.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

My cards were closed by Citibank, and upon card closure, you normally have up to 90 days to redeem your points, which I had over {$600.00} worth, but when I tried to redeem them online, I could not, and when I called the rep on the phone, they said I did not have any points either.
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (MA)

Activated the {$20.00} XXXX  Cashback reward for my credit card on XX/XX/XXXX. Made my first purchase at XXXX with the card on XXXX XXXX. The cashback was never credited. I called and spoke with a foreign outsourced scriptreader last week and was told it would be credited by the end of the week. Of course, it wasn't. Called again today, and was transferred to XXXX different numbers because every department of customer service has a different number and was given the runaround and excuses. The offer states when you spend {$57.00} or more. I spent {$72.00}. The offer states must make first recurring payment by XX/XX/XXXX. I made it on XX/XX/XXXX. Offer states purchase must be made with the merchant. It was. I've had a similar offer on other credit cards from other banks and this is the ONLY one that has failed to pay