davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

I live in XXXX  but own a rental property in XXXX, XXXX  that I purchased four years ago. I obtained a mortgage with Rocket Mortgage on the property. I had a catastrophic water leak at my property ( XXXX XXXX XXXX XXXX ) on about XX/XX/2021. I reported the damage to XXXX XXXX XXXX ( my property insurer ) who is handling the claim. They have provided approx. {$300000.00} for repair costs to Rocket Mortgage, which disburses the funds as they see fit. Approx. {$46000.00} has already been disbursed by Rocket Mortgage for demo and asbestos removal to a mitigation company. The contractor I hired XXXX XXXX XXXX  ) to begin repairs received approx. {$75000.00} to start but found additional asbestos and problems to deal with before construction. XXXX XXXX approved the additional costs and provided additional funds. Rocket Mortgage is currently withholding the funds ( $ XXXX ) that XXXX XXXX provided , preventing me from getting my house repaired. Rocket Mortgage states that there has not been enough progress to disburse additional funds to the contractor. The contractor will not begin work until they receive an additional disbursement. Rocket Mortgage state they are waiting foXXXX XXXX XXXX  to approve release of the funds, which they asked for 3 weeks ago, although they told me it would take 48 hrs for XXXX XXXX  to approve release of funds. I am losing several thousand dollars each month due to loss in rent because Rocket Mortgage won't release the funds provided by XXXX XXXX XXXX for repair. I am requesting delivery of the repair funds to my contractor so they can begin repairs. My mortgage account number is XXXX.
Consumer complaint received 2024-02-28
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-11-14
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: EQUIFAX, INC. (CA)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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
Consumer complaint received 2016-12-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Genesis Credit Management, LLC (OR)

Property management company billed me for a cleaning fee after I moved out of the residence. I never was presented with any documentation indicating that I owed a cleaning fee. The debt has been sent to collections for a debt I do not owe. There is now a derogatory entry on my credit report which is an error.
Consumer complaint received 2017-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I received a call stating  I may  be served by  XXXX   XXXX  for debt owed to  XXXX   XXXX . I made arrangements to settle with a gentleman named  XXXX   XXXX  who was insistent this was for  XXXX   XXXX . He advised he was only allowed to collect {$400.00} which was the original debt. I made  two p ymts of {$200.00} in my debit card and received a pay in full letter. My credit report still shows I owe with speedy cash. He stated since I got the loan online years ago, it was under an affiliate name. The collection agency was  XXXX   XXXX   XXXX   XXXX . I have the phone number and screen shot proof.
Consumer complaint received 2024-03-28
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. (FL)

I XXXX XXXX never received any notice of statement before 21 days of the due date from XXXX XXXX XXXX  ss # XXXX. Can the creditor please show proof of the statement delivered to me. If proof can not be obtained please correct/Delete inaccurate information being reported.AS stated in 15 u.s code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
The consumer reporting agency failed to ensure all information was accurate even after my past disputes ensuring that the creditor has followed the correct procedures.
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (LA)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to 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.

I need this information below. If you can not provide this information please delete these accounts from my credit report.

1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of The Original Merchant ) 3. The Payment History and Itemized Billing Associated With These Accounts 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) 1. Account Name : XXXX Account # XXXX XXXX. Account Name XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Account # XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX
Consumer complaint received 2017-04-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (MD)

I cosigned a loan with XXXX XXXX, now Navient, and they will not tell me the steps that the borrower and I need have done in order to release me of the loan. They said they will only discuss it with the borrower, who unfortunately for me, is unreliable when it comes to contacting Navient. Nothing that I signed to cosign the loan ever stated that I was n't able to discuss my cosigner release steps. I 'm being scammed.
Consumer complaint received 2022-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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
Consumer complaint received 2023-02-06
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: TOYOTA MOTOR CREDIT CORPORATION (MA)

On XXXX XXXX I submitted a complaint regarding Toyota Financial Services XXXX They immediately removed only the most recent late payments that were inaccurately reported. All XXXX  bureaus have reported different and inaccurate late payments. This is a violation of XXXX XXXX Compliant reporting XXXX and FCRA. They have acknowledged the inaccurate reporting by removing the most recent ones and now are knowingly and willingly reporting against my rights by not removing all payments as required by law. 
The Fair Credit Reporting Act states that I have a right to fair and accurate credit reporting, and you are required to remove any information inaccurate, unverifiable, or untrue. Please remove all late payments reported on all XXXX  bureaus from this creditor immediatly.
Consumer complaint received 2016-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Shellpoint Partners, LLC (TX)

I 'm trying to refinance a home loan. When I originally spoke with the loan company, we discussed a rate that would provide me with a credit big enough to incur no closing costs. Now, the lender is telling me that I may need to bring at least {$5500.00} to closing, and I have a higher interest rate than we originally discussed. I feel that this is a bait and switch on their part. Also, on XXXX/XXXX/16 they told me that I could close on either XXXX/XXXX/16 or XXXX/XXXX/16, and are, as of today, now telling me that I ca n't close then, and telling me that they did n't schedule closing with my Title Company, so it is n't their fault that I may incur costs to reschedule, including taking time off work so that I can sign the papers. Now I ca n't get them to tell me how much money I will need to bring to closing. I feel that they are ripping me off, and know that I ca n't do much about it since I 've already spent money on an appraisal.
Consumer complaint received 2023-08-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

I received the requested email payoff quote from Mr. Cooper on XX/XX/XXXX but was not able to open until night of XX/XX/XXXX due to their system experiencing intermittent issues on the web. I mention this due to the fact that theyre trying to Foreclose on my home & time is of the essence. I also believe that Mr. Cooper is incorrect & making another error regarding the alleged principle amt. of {$20000.00} that theyre stating is owed to them on a loan of {$32000.00} with an interest rate of 2.375 % for most of the years ( I believe XXXX ) that Ive had the loan & have been paying on this loan for 15 years & was Never late until they stopped taking payments out of my checking account. Ive discovered another error with this company regarding my Maturity Date which is Not XX/XX/XXXX as Mr. Cooper has stated in their documents, My actual XXXX XXXX is : XXXX/XXXX/XXXX effective : XX/XX/XXXX which I have proof of & is crucial in my defense since Mr. Cooper claims that their reason for reneging on their reinstatement quote of XXXX & repayment agreement of {$130.00} that they XXXX offered Me on XX/XX/XXXX. 
This is definitely suspicious fraudulent conduct in my overall opinion & I deserve satisfactory treatment, answers & an investigation into this matter asap. Thank you in advance. Best Regards!
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (TN)

I am having trouble getting my PSLF  applied, even though I have met the requirements. I was given an estimated date of eligibility of XXXX. I applied for forgiveness and the yearly employer certification at that time. I called the customer service line and was advised on how to proceed with the application for forgiveness. I was told the process could take 90 days to complete, but it is now mid XXXX, and although Ive called and emailed several times, Ive been given no timeline for processing nor explanation for the delay. I know that loans are currently in forbearance due to Covid 19, but I would like to see this resolved before that forbearance ends since I met the requirements for such more than 7 months ago.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I received an emailed about my information being in the Equifax data breach so I pulled my credit reports and found there is an account that is inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if 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 ( i ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the inaccurate account : XXXXXXXX XXXX XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. 

I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (NY)

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

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 mentions a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2017-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

Account Name HSBC BANK NEVADA  N.A.  RC Account #  XXXX  I do not and never had any legal or lawful security obligation with this business. I will record a perfected security interest in this business for 3x the stated balance plus damages if they do not immediately remove any information related to my PERSON on the PERSON 's credit report with the credit bureaus. I logged in and saw this information.     I did receive a bogus demand to pay a debt from this entity in th e US  Mail. I did respond via Certified mail with my Notice and Demand To Validate Debt Claim in accordance wit h 15 USC 1692. They d id not respond.     They need to remove this items immediately or I will record a lien and file civil charges.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

XXXX  XXXX Bankruptcy Court : Federal Reference # : XXXX Date XXXX : XX/XX/2016 -Today I contacted XXXX XXXX XXXX ALABAMA located at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AL XXXX with the phone number ( XXXX ). They informed me that they do not supply information the third parties. How did you verify this public information?
Consumer complaint received 2023-09-29
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. (MD)

Hello, my consumer report has been experiencing multiple violations especially from Equifax. I have viewed my consumer report and I see seven added accounts that I do not give consent to be added onto my Equifax consumer report. In pursuant to 15usc1681b ( 2 ) I did not give written instructions from Equifax to furnish my consumer report to XXXX loan services and other nonaffiliated third party corporations. Since I did not give written instructions of consent, this is violating the laws congress has put in place. This is identity theft because my personal information is being shared by Equifax to third party financial institutions. I want like these XXXX XXXX loan services accounts deleted from my consumer report. Thank you!
Consumer complaint received 2023-01-04
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX with new & updated information about my previous complaint XXXX. XXXX XXXX XXXX XXXX XXXX has not only failed to comply with the FDCPA but has also failed to comply with the FCRA as well by report-ing an alleged account that has not been properly verified- ( sworn under oath ) pursuant to 28 USC 1746. I am demanding that all reporting to all consumer reporting agencies- ( XXXX XXXX Equifax XXXX XXXX ) cease immediately.
Consumer complaint received 2017-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (DC)

On XXXX XXXX, 2017 I received a notice from Southwest Credit that I owed XXXX {$220.00}. Two things are wrong about this : 1 ) I have never had an account with XXXX 2 ) My name is spelled wrong on the letter that was sent to my house.
Consumer complaint received 2017-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I went to Chase Bank at   XXXX   XXXX   XXXX   Branch  XXXX  on  XXXX / XXXX /2017 I deposited a Cashier 's check in the amount of {$6000.00} and my receipt had a " hold '' for that amount till  XXXX / XXXX /2017.
I spoke with the teller and then the supervisor, explaining to them that they can not put a hold on a cashier 's check because it is the equivalent of cash. This was from   XXXX   XXXX   XXXX  , not some obscure bank in  XXXX . Both said they could n't do anything about it.
I think they did n't care to do anything because it was a Saturday and I had about {$54.00} in the account.