davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-17
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-04
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. (AL)

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC1681e ( b ).

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

They must be blind everything is inconsistent.
Consumer complaint received 2024-04-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc. (TX)

First Federal Credit Control has reported a debt to one or more credit reporting agencies. They claim to be attempting to collect a debt on behalf of XXXX XXXX XXXX. They claim that I owe {$1700.00} and that this claim is still outstanding. However, I have confirmation from my insurance company that this amount was paid in full on XX/XX/2023 ( check number XXXX for {$1700.00} ). Although this amount was paid in full to the original creditor, First Federal Credit Control continues to claim that I owe this amount. 

I can certainly understand a delay of a week or so to process the account and send an update to the credit reporting agencies, but it appears that First Federal Credit Control can not be trusted to meet their obligations under the law. Although I have informed them of this error, they continue to try to collect a debt that has already been paid. I demand that they immediately update this account to show a XXXX balance. I would also recommend that the CFPB take any appropriate enforcement action to ensure that First Federal Credit Control meets its legal and ethical obligations.
Consumer complaint received 2023-06-06
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. (FL)

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. Please update ASAP.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I modified my mortgage through my bankruptcy, which began in XXXX and was complete XX/XX/XXXX. My husband was part of the modification, but he wasnt on the original mortgage- I am the primary mortgage manager and hes the second party. Im not sure of the actual naming convention. XXXX is reporting the mortgage twice on my credit report and only once on his credit report my credit report shows my primary mortgage and then it shows the mortgage duplicated showing him as a signer and me as the primary mortgage resulting in my real estate debt totaling XXXX when its XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX - XXXX Account Number : XXXX Account Name : XXXX - XXXX XXXX ( XXXX account ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX - XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC (IL)

I used XXXX for a purchase made from XXXX XXXX. The original price was {$640.00}. After I completed the process with XXXX, the loan was transferred to XXXX XXXX. I received a call from them today and the representative told me that my account was 30 days past due and that in order to avoid negative credit reporting that I needed to make a payment today. I then asked when was the due date and she told me that the payment was due on XX/XX/24. I then said, " So, the account is not 30 days past due ''? She confirmed that it was not. I asked her what was the payoff amount and it sounded like she came up with some random number. She said that I owed {$1300.00} and overall I owed {$1800.00}! How is this possible? The original email that was sent to me said that interest rate was 0 %, which is deceptive. She then told me that I missed the opportunity to pay the principal balance because I didn't respond to the period of time that was allowed to pay just the principal balance. I then told her that I did not receive any notification via mail, phone, text, or email. She then told me that they are a paperless company. 

First, creditors are not allowed to misrepresent any part of a debt owed. This creditor flat out lied to me at the beginning of the call. They are deceptively charging people three time the amount of their original purchase prices. This is predatory and unfair to consumers. They are not disclosing the " true '' cost of the credit that they are being extended and they are deceptive about the fees associated with that credit. 

After this phone call, I went online to look at the reviews. This company has a history of overcharging people and using deceptive and abusive practices to collect payments. There needs to be an investigation because people are signing up for credit with XXXX and then being switched over to XXXX XXXX.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I was using my credit card balance transfer offer from Bank of America. 
I typed in BoA checking account number, then it showed the XXXX creditor. 
I choose that then typed amounts {$6700.00}. It showed the debt my credit card after several days. But I dont know where the money went. Contact BoA several times since XX/XX/2023. BoA still not gives me the solution.
Consumer complaint received 2023-07-29
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. (SC)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$800.00} XXXX XXXX XXXX Balance XXXX {$5700.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

My online account was hacked in XX/XX/XXXX and the entirety of my Paid Family Leave Benefits ( about {$8000.00} ) were transferred to an outside account that is not mine. I filed a Dispute on XX/XX/XXXX for the transaction. On XX/XX/XXXX, it was denied stating the bank did receive that funds, however that wasn't the basis of my dispute. My dispute was that I did not request this transfer. I filed an appeal on XX/XX/XXXX and submitted supporting documents from my online banking app showing the last four digits of the account and routing number that were entered in my profile as an outside bank. At the time I also requested the transaction ID so that we could obtain the full routing and account number to track down the bank it was sent to. I was also given the option to request documentation as to why the claim was denied in the first place, I requested them and have yet to receive them. My Appeal forms were marked as received on XX/XX/XXXX. I have called in several times since then, with no update until XX/XX/XXXX when I was informed that the date on the forms was changed to XX/XX/XXXX as received and no one has been able to confirm why the date changed. I have escalated this to management who have sent in at least 5 emails to the fraud department requesting updates on the appeal and was told that in 72 hours there would be a response. Still there is no response. XX/XX/XXXX is the 90 day mark since I filed the appeal and I am supposed to have some sort of resolution however today I was told that they are behind and it may not be within the 90 days that my appeal will be processed. I had also requested to speak with a manager of the escalations team, in hopes that they would have more push to get some sort of answer from the fraud department. I was told they have to submit a call back from and I would get a call within 48 hours.. well you guessed it. No call back either. I have no confidence that my dispute or appeal were even looked at nor will this process be done on XX/XX/XXXX. Since the other party is the CA government ( EDD ), I have absolutely no ground to stand on in going that route to get my money back either...
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

XXXX is furnishing my Consumer Report without any authorization. 
XXXX is not allowing the right to exercise my right to Privacy and remove late payment reporting and utilization reporting.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc. (AR)

In accordance with the FCRA, ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, LCI ) has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 6802. According to 15 U.S.C 6802 ( b ) ( B ), I was never given the opportunity to opt-out from having my personal information reported to third parties. I have the list of Accounts that I will post here! ( XXXX XXXX XXXX XXXX date of late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX date of late payment XXXX ) I am Attaching identity and proof of address!
Consumer complaint received 2024-03-18
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: LoanCare, LLC (OR)

In XXXXXXXX XXXX XXXX my basement flooded due to hydrostatic pressure. It was not covered by insurance. I needed {$20000.00} to cover damage before molding. I immediately applied for forbearance with XXXX XXXX XXXX XXXX. For six months thereafter I was given the runaround by the servicer who was denying my forbearance in order to extort me into a loan modification, which would not benefit me and would cause significant hardship by increasing mortgage payments. They drew out the application process, made me reapply three times, took my mortgage payments over the phone, applied payments to back payments, and then marked my credit negatively. I have finally given up attempting to get forbearance or deferment because they are systematically attempting to deceive me into a product that would extract a higher interest rate from me in my moment weakness. It is an abuse of power and they should have just been honest with me that I would continue to be denied from the beginning because as I later found out, they knew all along. They were not honest because they were hoping to back me into a corner so they could exploit my hardship. They have destroyed my credit, the whole reason I was applying for forbearance in the first place, despite my belabored monthly payment which were only taken if I call in and spent an hour on the phone.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX Credit Line : {$500.00} Opened : XX/XX/2017 This is not me ; I have no knowledge of this account. this is fraudulent and should not be on my credit report.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Agreed to a settlement offer from XXXX XXXX XXXX who collects on behalf of XXXX. I made a payment on XX/XX/year> and also XX/XX/year>. I have a settlement letter from both XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX have both zeroed my balance for XXXX back in XXXX.
Consumer complaint received 2024-04-26
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: EQUIFAX, INC. (VA)

On XX/XX/XXXX and multiple previous times before the item below has been inaccurately re-inserted back into my credit file. You are required to notify me within five ( 5 ) days of reinserting a previous item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. This must be updated and STAY current. The XX/XX/XXXX payment status for XXXXXXXX XXXX XXXX  account XXXX keeps reporting incorrect changing constantly from " Current '' to " 30 Days Late ''. Please update and KEEP XX/XX/XXXX reporting correctly as CURRENT.
Consumer complaint received 2015-05-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I was initially laid off from my job of 11 years fellbehind in my payments from XX/XX/XXXX to present. ReqRequested a modification back in XX/XX/XXXX did not rreceive any information from loan servicer XX/XX/XXXX. I had to submit modification XXXX timesuntil representative acknowledge they were theyon XX/XX/XXXX. Then only to be told was n't there afterspeaking to different representative. This went onfor several mos. Always speaking to someonedifferent with conflicting information so I had tosubmit XXXX more time after that. My information wasmixed up with another individual and held up filefrom moving forward to next step. Had to send paystub XXXX times. Tax information was sent fax XXXXtimes to a bad fax number and email XXXX times. 
Lastly after all this just recently told mymodification application was submitted onold forms which they provided to me and Ineed to resubmit on new one this was XX/XX/XXXX I have not reached my selldate XX/XX/XXXX which I believe this was alldeliberate to steal my property withoutgiving me a fair chance to keep it.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to bring to your attention the fraudulent personal information linked to my identity. Certain accounts and transactions have been erroneously associated with me without my knowledge or consent, resulting in significant distress and concern. Regrettably, I have fallen victim to XXXX XXXX and have taken immediate steps by reporting the incident. It is imperative to swiftly address this issue as it has adversely affected both my financial stability and personal integrity. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, pursue legal action to safeguard my rights and seek appropriate restitution. Your prompt attention to this urgent matter is greatly appreciated.
Consumer complaint received 2024-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (CA)

LoanCare acquired our mortgage on XX/XX/XXXX. On or about XX/XX/XXXX we called LoanCare to do an escrow analysis regarding our property tax. We are being billed {$4200.00} for property tax when its actually {$2400.00}. I sent in all documentation and followed up 2 weeks later and was told being processed. Periodically checked in and still told being processed. 
On XX/XX/XXXX called an spoke with XXXX- he told be home not fully assessed and wont be until XX/XX/XXXX. We have been in our home since XX/XX/XXXX which is well over the one year mark. So I asked how to delete my escrow for property tax. He explained and I submitted my escrow cancellation for property tax via their web page. 
On XX/XX/XXXX called and spoke with XXXX. He told me his system showed still being processed to call Monday XX/XX/XXXX. 
On XXXX I called, didn't document name, and he walked me through again processing the escrow cancellation via web page. Second submission. 
Called XX/XX/XXXX spoke with a woman who told me I can't cancel my escrow because I have an FHA loan. I asked her to please verity as I'm pretty sure its a conventional loan. She put me on hold, came back on line and hung up on me. 
Called back and spoke with XXXX and stated still being processed so I submitted once again to be safe. Third request. 
I have since submitted 4 more online requests to cancel escrow for property tax. 
Called today XX/XX/XXXX and spoke with XXXX. He told be there are " NO PENDING REQUESTS TO CANCEL ESCROW ''. The only thing he is showing is my original request for escrow analysis from XX/XX/XXXX. Asked for the corporate office of MissionServicing Residential phone number, was put on hold. When he came back on line said he can't find that information to try with their office first. I declined as I have been patiently waiting and lied to for far to long to get this small matter resolved.
Consumer complaint received 2024-04-26
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: EQUIFAX, INC. (NC)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2023-01-04
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: CLGF Holdco 1, LLC (UT)

XX/XX/XXXX XXXX credit card= never got card nor info advs to cancel i did not recived anything from them. called them and they said they will report to XXXX that i do not have an acct with them but they still pulled my credit report XX/XX/XXXX XXXX  never applied for an acct but yet they pulled my credit report. 
try to call them but would not talk to me. 
i am trying to rebuild my credit and someone is applying for other accts i did not give permission.
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2024-01-06
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: EQUIFAX, INC. (AL)

I attended a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon enrolling and paying for the school I was promised job placement as well as proper certifications and training from the school. I did not receive any of what was promised and was instructed by the owner who no longer owns the school to stop paying the loan they would take care of it. They did not. Now the school is closed down and there is no information to be found on how to contact them anymore. The school shut down due to not following through on agreed services that were included with the class.