davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
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. (NJ)

I'm a natural person and a consumer as defined by the FCRA 15 USC 1681a ( c ) who resides in XXXX New Jersey. I received my consumer report and noticed accounts on my consumer report that is still inaccurate. I've been disputing the negative, erroneous items for months now and my consumer rights are continuously being violated by this agency. In response to my disputes, this corporation claimed the accounts are verified. The information on these accounts being furnished on my consumer report are in fact inaccurate. Pursuant to 15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency, shall promptly delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. The reporting of these accounts are in violation of 15 USC1681e ( b ) ACCURACY OF REPORT. Please see attached a copy of my consumer report and I circled all the inaccuracies, incorrect and erroneous information for your review. How can you verify inaccurate information? This consumer reporting agency has violated METRO 2 Compliance procedures and format for reporting and disregarding the laws that Congress has put in place for the consumer! I've put this company on notice multiple times and gave them the right to cure. At this point it seems like the only way I can receive remedy for these violations are to pursue legal action.
Consumer complaint received 2017-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Finance of America Mortgage LLC (CA)

I and my brother/partner applied to a mortgage company to refinance our property. We provided information in a timely manner, and responded quickly to follow-up requests for information. The mortgage company said they were having trouble researching title. I repeatedly offered my help if they would describe when the problem was. The mortgage company took weeks and weeks to resolve their issue. Meanwhile our interest rate lock expired and the interest went up and up. I tried repeatedly to offer my assistance. Finally, they agreed to share the issue with me and I was able to make a few phone calls and share a few emails to resolve the issue. There is something very wrong with the process and what happened. Whether outright dishonesty or ineptitude, my brother and I had to pay a huge price due to very avoidable delays ( as I demonstrated in resolving the problem ). We had refinanced the property more than once before, quickly, without any trouble. We were told by other lenders that it would take only a short time to refinance due our excellent credit ratings, solid income and assets, and our long ownership of the property ( 30 years ). We request government help to look into this issue to determine if we were treated in an unfair manner. It is hard for us to reconcile this as a fair business transaction. We feel that we have been served poorly, and possibly, treated criminally. The mortgage and escrow people were all very courteous, but we ca n't understand why the process stretched out so long and we thus were severely financially penalized.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

Fraudulent charges were made in a different state while I was out of the country using my credit card information, and I filed a fraud report through the bank company. The bank company initially refunded my stolen funds, and they advise they would get back to me within 10 days with the results of the investigation, however I did not hear back from them. A month later my funds were removed from my bank account without warning. I had to call the bank to find out what happened, and they informed me that they found me responsible for the transactions. They stated this was based on that fact that some of the purchases were made by me in this time frame. I advised them when i initially reported the fraud which transactions were mine during this period, however they included them anyway and used them to justify their findings. I was advised i could escalate the matter by filing a complaint, which i did, and was again promised to hear back within 10 days. It has been another month without hearing from them, and the funds have not been returned.
Consumer complaint received 2023-11-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

Select Portfolio Servicing company keeps raising our house payment claiming escrow shortage when there should not be. House payment has almost doubled since these crooks bought our mortgage. Have had to do loan modifications to be able to afford the payment but this time they keep asking for the same documents over and over. I've sent them everything they've asked for 5 or 6 times and they continue to ask for the same things. This is a predatory loan company doing illegal things to people with their escrow shortage scheme.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XX/XX/2023 Dear Creditors, I want to ensure that the most accurate information is in my credit profile at all times. The listed items below are inaccurate and should be removed/deleted from my credit report immediately. 

Please delete the following inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate phone numbers : XXXX XXXX XXXX Please delete the following inaccurate employers : The XXXX XXXX XXXX XXXX XXXX I am filing this complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed a copy of my state issued identification and social security number to validate my identity.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (NJ)

AFFIRM INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX 15 USC 1681 section 602 A states that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FOWARD TO YOUR RESPONSE.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

On XXXX XXXX accidentally charged my account {$180.00} to my debit card. I didn't realize it had been charged, however, it created a hold on my account which caused my available balance to fall below {$0.00}. On XX/XX/XXXX, when I checked my balance, I saw I had 3 fee listed as " Paid Hold Item Fee ''. When I called the customer service line, the agent did not know what this fee was, however, when she got clarification, it was a form of Overdraft fee. I was advised that this should not have been charged due to the charge only affecting my available balance but not my current or ledger balance. I was then told if I wanted to get the fees reversed, I would need to talk to the branch, since any fee rebate comes out of the branch 's budget. I then talked to XXXX at my local branch in regard to this matter, while I was on the phone with her, XXXX once again charged my account {$180.00}. This charge was for the same transaction creating a duplicate hold on my account. I put money to cover these charges right away as I did not want my account to go negative, and XXXX told me she needed to investigate this and would follow up with me on XX/XX/XXXX. On XX/XX/XXXX, the charge XXXX charge from XXXX fell off the account and did not go to my ledger balance. 
On XX/XX/XXXX, XXXX contacted me stating that these fees were Overdraft fees caused by my available balance going below XXXX and that she would return one of the 3 fees, but no more because I have a " History '' of getting fees back. I advised her that I had been told by multiple Webster Bank employees that in the instance where a transaction caused the available balance to fall below XXXX fell off the account, any fees associated with that transaction would also be returned. XXXX brought this to her District Manager, XXXX, who told her to return XXXX more fee, but not all. I told her I would like XXXX to call me. XXXX said XXXX should get back to me within 24 hours however she also provided me with her phone number in case something went wrong. I gave it the 24 hours and then attempted to call XXXX. I left a message, and then gave it two days and tried again. It took until Monday, XX/XX/XXXX for XXXX to call me back. 
When XXXX finally called me back, she acted like I was an annoyance right from the start. Her position was that because she had refunded me fees in the past she was not going to refund me the money. When I pointed out that on my statement, there is no evidence of an overdraw because of the duplicate charge and the first falling off the account, then asked her to associate the fees to a charge, her response was " Well I can only assume you went over on your account. '' But there is no evidence of that. 
I then asked her to connect me with her Regional Manager. She reportedly escalated me to the office of the President of the Bank, however I'm not holding my breath.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AZ)

Hello, I need assistance with a dispute I started back in XXXX with the bank regards a charge on my debit card in the amountof XXXX. I booked a hotel which I stayed for about 2 weeks due to plumbing issues. During this time I book a hotel in the area since XX/XX/XXXX - XXXX. The charge I am disputing with the bank is the {$400.00} dollars. I did have prior charges using different methods of booking XXXX {$170.00} XXXX, XX/XX/XXXX - paid directly with merchant XXXX XXXX {$90.00}, XX/XX/XXXX {$270.00} Travelocity XXXX XX/XX/XXXX - paid to XXXX XXXX {$170.00}, XX/XX/XXXX - {$400.00} paid to XXXX XXXX XXXX I am disputing due to the fact this place had many issues with the room I stayed one being a broken sink, couch in poor conditions, and had bed bugs. When brought this to the attention of the person in charge they booted me out. I asked to be changed rooms but they refused. The deposit I gave in cash was refused. I called the bank to decline the transaction of XXXX as it was pending but unfortunately it was still paid. I refused to pay for horrible service on top of that no other option other than to vacate the premises and then they keep my money. Please help.I reported the Hotel but looks like nothing has been done.
Consumer complaint received 2023-09-25
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. (TX)

I am a Victim of identity theft. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have fraudulent inquiries on my credit profile that need to be removed immediately.
Consumer complaint received 2017-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC (CA)

This company is identifying itself as a debt collector in a letter mailed to us on XXXX. The letter stated that the company was collecting a debt of {$29.00} that they said we owed on an expired magazine subscription. We mailed them a dispute letter denying we owed the debt and demanding documentation to verify their debt claim. On XXXX we received a response from the company stating that they were stopping any further collection activity on us and closing their files. I suspect that this company is using false and deceptive practices to collect monies on expired magazine subscriptions under the guise of a threatening debt collection letter.
Consumer complaint received 2017-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have disputed a bankruptcy public record on my account on 11 different occasions, most recently I even sent Transunion the following because A. If someone files bankruptcy in XXXX Indiana our Federal Court in in XXXX, NOT XXXX, I have never stepped foot into the XXXX Indiana Court, and secondly the addressed listed for so called bankruptcy is the the XXXX. The fact that is inaccurate is enough reason for it to be deleted in the first place, there is NO Federal court in XXXX, IN. 
INDIANA FEDERAL COURT-XXXX XXXX, IN XXXX XXXX This info is for the XXXX. XXXX XXXX XXXX , IN XXXX XXXX Another item is the XXXX , I do n't owe a balance and have repeatedly disputed and asked for PROOF of said debt to no avail with both transuion and XXXX, oddly this item was removed a few months back and put back on my report.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I am not liable for this debt ( chargeoff ) with Citibank and do not have a contract with XXXX. They do not provide me with the original application like I asked. Citibank never sent a statement to my house and to change the address with them I required giving them a verification code which arrived at my previous address mail so I couldn't get it because logically it is a crime to open a mailbox that is not mine, the customer service is BAD since you can hear noises in the background and cant hear support team voices, they never even believed that I was the owner of my own account and they didn't even ask for Drivers license verification, SSN, Or something to prove the account ownership, Citibank literally wanted me to open the mail from my previous house without permission, which is illegal. Therefore I demand to this account be deleted from my credit report. FOR IDENTIFICATION PURPOSES THE CLOSED ACCOUNT CREDIT CARD NUMBER WAS : XXXX XXXX XXXX XXXX EXP DATE : XX/XX/ CVV : XXXX
Consumer complaint received 2023-12-07
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I am not liable for this debt ( chargeoff ) with Citibank and do not have a contract with XXXX. They do not provide me with the original application like I asked. Citibank never sent a statement to my house and to change the address with them I required giving them a verification code which arrived at my previous address mail so I couldn't get it because logically it is a crime to open a mailbox that is not mine, the customer service is BAD since you can hear noises in the background and cant hear support team voices, they never even believed that I was the owner of my own account and they didn't even ask for Drivers license verification, SSN, Or something to prove the account ownership, Citibank wanted me to open the mail from my previous house which i couldnt do, which is illegal. Therefore I demand to this account be deleted from my credit report. FOR IDENTIFICATION PURPOSES THE CLOSED ACCOUNT CREDIT CARD NUMBER WAS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-31
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Mobiloans, LLC (FL)

The choices above do n't cover my issue. I have been receiving harassing calls from individuals saying they are with " mobile loans. '' They have even searched for family members and called them. They stated that I received a payday loan XXXX 2013 and have a balance left ( approximately {$1600.00} if I remember correctly ). Supposedly it was deposited to a XXXX XXXX XXXX account, which I do not have nor did I have in 2013. I have already gone down the road with them on dealing with this as a fraudulent account opening/id theft and all they do now is get hostile and hang up the phone on me. I 'm tired of this company thinking they can call people up like they work for a federal agency and harass XXXX them. They are not going to bully me into paying something I am not responsible for.
Consumer complaint received 2023-11-29
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SCA Collections, Inc. (NC)

When a lender runs a credit report medical collections are supposed to come up as medical data furnishing but not include any of the personal information such as social security number or original bill collector. I was XXXX XXXX XXXX  for 2 months fighting for my life in 2020 that's where these bills came from. XXXX XXXX it says that and all of my personal information. When it does that those collections have to be removed. It is illegal to disclose personal information. It's only supposed to say medical data furnishing. I can't get a mortgage or buy a car because of something that happened without my knowledge because I was XXXX XXXX XXXX fighting for my life. This is illegal and needs to be removed. I hav contacted a lawyer and this has to be removed. If it is not I will be taking further legal action
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: American First Finance, Inc. (MI)

On XXXX XXXX XXXX  I recieved an alert from credit montitering that a new was opened. XXXX XXXX XXXX. Called company and stated that it was opened fraudently, got a form to fill out did so, also filed a Identity theft report with FTC. Disputed account with XXXX. Still company states its my account. They wont tell me my account number, the city the fraud was commited, the product recieved from the fraud nothing. It sounds likethis company is a fraudenlent company. Unfortunetly I have filled out the fraud pappers with my info in the report. XXXX
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MRS BPO, LLC (IL)

XXXX is not allowing me to file disputes an has deleted pass dispute investation results of two collection XXXX XXXX XXXX XXXX ( XXXX ) XXXX was to be removed XXXX $ I dont owe this debt it was removed previously under another collector an has been investagated remove this item second MRS BPO ( XXXX  ) for XXXX $ should be removed someone opened this acct while I was a resident of Illinois this is not mines and should be removed I did not open this acct
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I am not liable for this debt ( charge off ) with Citibank and do not have a contract with XXXX. They do not provide me with the original application like I asked. Citibank never sent a statement to my house and to change the address with them I required giving them a verification code which arrived at my previous address mail so I couldn't get it because logically it is a crime to open a mailbox that is not mine, the customer service is BAD since you can hear noises in the background and cant hear support team voices, they never even believed that I was the owner of my own account and they didn't even ask for Drivers license verification, SSN, Or something to prove the account ownership, Citibank literally wanted me to open the mail from my previous house without permission, which is illegal. Therefore I demand to this account be deleted from my credit report. FOR IDENTIFICATION PURPOSES THE CLOSED ACCOUNT CREDIT CARD NUMBER WAS : XXXX XXXX XXXX XXXXXXXX EXP DATE : XX/XX/XXXX  XXXX  : XXXX
Consumer complaint received 2017-12-16
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. (IN)

XXXX XXXX XXXX is reporting account # XXXX date opened XX/XX/2012 as late payments, but has failed to accurately report those late payments. I told XXXX that the account is in accurate and does not list a date of removal. XXXX stated it was because XXXX XXXX XXXX has never reported the actual date the account was late. XXXX has sent me a letter about the late payments and it does not match what is reporting on my XXXX credit report. XXXX fails to remove it for violation of accurate reporting. I would also like Equifax to remove this account as well because the same is happening with them too.