davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (FL)

Citimortgage sent a notice that they were reporting me for a delinquent payment to the credit reporting companies, although no payment was delinquent at the time of receiving the notice. Citimortgage is in the process of changing the loan servicer and sent me the notice as well as a request for two mortgage payments.
This is just harassment to threaten customers to obtain early mortgage payment before the servicer change. Citimortgage will hold all advance payments for the new servicer, but will collect interest on all such payments before turning them over.
My name is XXXX XXXX and my account # with Citimortgage is XXXX
Consumer complaint received 2024-03-22
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. (MS)

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.

has violated my rights. Or a list of inquiries : 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 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 XXXX 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 2021-01-21
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 — Investigation took more than 30 days
Company: Amsher Collection Services, Inc. (TX)

I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.
Consumer complaint received 2021-01-21
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 — Investigation took more than 30 days
Company: Credit Systems International, Inc. (TX)

I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet. I never had this account!
Consumer complaint received 2021-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (FL)

Refi my mortgage with a cash out in XX/XX/2020 to pay off a loan that was assessed through my county taxes, which should have reduced my county property tax bill from {$6500.00} to {$4300.00}. XXXX/TMS ( The Money Source ) would not adjust my escrow since they could not verify my information as fact. Fast forward to XX/XX/2020, TMS did not pay my tax bill when it was first available. They claim even though they were collecting escrow to pay my insurance, my account was not set up for escrow to pay my county taxes and therefor my taxes were paid late. Thankfully they paid the penalty. However the XXXX they now issued is showing that over {$8700.00} was issued to the county, essentially paying my tax bill twice and now claiming that I owe them money due to a shortage in my escrow account when in reality they need to recover funds back from the county, issue a credit/refund, and correct my escrow shortage.
Consumer complaint received 2021-01-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

Per last report to Equifax on XX/XX/XXXX XXXX XXXX opened XXXX XXXX. 
Per Equifax report last payment made on XX/XX/XXXX. 
Per Equifax report shows balance of {$2500.00}. 

I have continuously been disputing XXXX XXXX opened XXXX XXXX however, have not received original contract with my signature. I need to obtain verification from XXXX XXXX verifying the debt belongs to be with proof of contact. 

*On XX/XX/XXXX XXXX XXXX telephone service was open in my name that was approved by me and I had no issues obtaining services. 

Thank you for your prompt response. 

XXXX XXXX
Consumer complaint received 2023-06-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. I told all bureaus this many times and it 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate. I asked many times for someone to help assist and they are saying that a credit clinic is sending in docs because it's tooooooo professional! Im highly upset because its only on this bureau I need this blocked and removed!!!!
Consumer complaint received 2021-01-21
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. (CA)

I have attempted to contacted XXXX and Equifax on multiple occasion to investigate an account with XXXX XXXX which is reporting on my credit report as a charge off account after their initial investigation which was falsely verified as my account by the merchant, I have tried to initiate a second dispute with supporting documentation but every time I call these agencies their computer systems are always down, and I am asked to call back later. I have never conducted any business with the above auto finance company, and with the information, I was able to obtain It appears to be an account that was open fraudulently using an old lost or stolen ID and a previous address of which I have not resided over 3 years. It has been over a year and a half since my initial contact with these agencies and have not been able to accomplish anything thus far. This inaccurate information has severely damaged my credit rating and has caused me to lose out on job opportunities I am overwhelmed and do not know what else to do.
Consumer complaint received 2021-01-20
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. (FL)

Transunion is in violation of 15 usc 1681a ( 2 ) ( B ) ( d ), 15 USC 1602 ( I ). 15 usc 1602 ( I ) mentions the term credit which means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. The credit card is my social security card and what is used to originate the transactions listed on the attached file.
Consumer complaint received 2017-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (OH)

I received a call from a woman named   XXXX   XXXX   claiming she was representing Chase bank. She attempted to get me to acknowledge and make payments on prior debts of my deceased grandmother. Upon asking this woman for detailed contact information including the firm she represents she would not provide it to me. Only a phone number. I do not believe she or her firm is a legitimate debt collector or attorney.
Consumer complaint received 2017-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (TX)

I have sent two financial packets at the request of Fay Servicing @ XXXX XXXX XXXX because we were struggling to make monthly payments. No one calls us back or responds in way all the sudden we get a letter in the mail that our house is being foreclosed on, we tried to maks payments when we first started being unBle the full amount they would not except partial payment, in my opition Fay Servicing just wanted to raise the amount we owed knowing we could not afford them raising the monthly payments, then foreclsose sell to another family just to do the same thing. Can your company please help us save our home. Thank you The XXXX Family XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (OR)

I have signed up for automatic payments a few times and for some reason they are stopped. I do not stop them myself and my account has plenty of money to go through. I currently tried to refinance my home and my financer told me that my score was low due to the fact that I have all of these late payment records on my report. When I went online to see where my status was at because I go Paperless for my statements it told me I had a {$10.00} minimum to pay to be caught up. The financer could see my account and told me that I also had an additional {$25.00} for that payment to make. No where did Victorias Secret tell me I had all of these extra fees to pay so I continuously have been behind and they have been reporting it to the credit bureau which has made my score lower. I made the appropriate amount today and they said I am up-to-date and will no longer receive late fees or late reports on my credit however they refused to take off all of the late charges or late reporting to my credit. I do not feel that this is my fault as I signed up for automatic payments and on my end did everything correct to pay and I was never notified that I was behind or late it wasnt until my creditor told me what was affecting my score. I also feel it isnt right that they arent truly telling me the required amount to be caught up which makes me continuously behind. They are unwilling to delete or remove the late reportings. I would like to fight that and get those late recordings taken off of my credit report.
Consumer complaint received 2021-01-20
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. (GA)

In XX/XX/2019 filed Bankruptcy XXXX. Items not to be reported and a stay was on the account until XXXX 2019. Paid as required. Then COVID occurred. Called XXXX XXXX XXXX XXXX, they are still showing in bankruptcy. Told me to call the Bankruptcy Dept. Did call. They told me to not pay during covid and granted a forbearance. I asked for how long, they said till further notice and after out of unemployment due to covid. 
I received notice they're reporting it late on credit. During Covid. I called again, they said again, have to go thru the bankruptcy dept ( BK ). BK said not supposed to be showing on the Credit report due to forbearance AND they still have it in BK status. Not supposed to be reported. 

Still reporting late and overdue. Received 3 verbal confirmations- in forbearance, not supposed to be paying OR reporting during COVID. 

Currently have several reported late pays and affected FICO score greatly. Cost me 1 job, I lost due to deliquency
Consumer complaint received 2017-07-17
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. (IL)

I 've reached out to the credit bureaus to dispute an account listed as "  XXXX  '', and currently collecting under   XXXX   XXXX   XXXX  , that I am unfamiliar with and have disputed this account since it is not mine and have been unsuccessful. I have no knowledge of this particular account.
Consumer complaint received 2021-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (RI)

I applied for PMI removal at the end of XX/XX/XXXX with Santander. They cashed the check for an appraisal on XX/XX/XXXX. They put the funds in the wrong account and did not order appraisal until I called to understand delay. They then realized the funds went in the wrong account and fixed it with another delay to move funds. Finally on XX/XX/XXXX they ordered the appraisal. Again I did not hear until I received a letter from the appraiser that they could not contact me, the phone number they were given in the letter was incorrect. I called the appraiser first thing Monday since I received that letter on a Saturday. He informed me they canceled the appraisal due to length of time. I then made multiple calls to the customer service line and several trips to one of their branches always assured they saw all of this interaction and would reinitiate the appraisal and PMI application for removal. I'm still waiting for any response from the bank on XX/XX/XXXX.
Consumer complaint received 2023-07-01
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. (OH)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX  XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 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 2021-01-21
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. (GA)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

XXXX XXXX XXXX XXXX Showing Past Due on a closed account and getting notification for late payments. Past due balance on all 3 reports inaccurate XXXX {$66000.00} {$66000.00} . How can I be late on a close account. REMOVE ACCOUT FROM REPORT. Date of last active on the account inaccurate XXXX, ExperianXXXX, XXXX. Only lived at XXXXXXXX XXXX XXXX XXXX, OK XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Subject : Discrepancy in Credit Report Information - Request for Assistance Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a discrepancy in the information contained within my Equifax credit report. My name is XXXX XXXX, and I have encountered an issue where Equifax has refused to delete accurate information that both XXXX and XXXX have already removed from their respective reports. Despite the accuracy of my dispute and the actions taken by the other credit bureaus, Equifax has failed to rectify this matter, causing undue stress and potential harm to my financial standing. I kindly request your assistance in resolving this discrepancy promptly, as it is affecting my ability to access fair and accurate credit reporting. Any guidance or intervention you can provide in this matter would be greatly appreciated. Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX Balance Owed : {$920.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX  XXXX Balance Owed : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance Owed : {$0.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} - This account is showing several violations. You are reporting a Monthly payment on this closed account. These are violation please delete this account. 

XXXX XXXX XXXX XXXX Balance Owed : {$620.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (KY)

I've had several inquiries added to my report over the last several months that I didn't approve and that I am unaware of. It shows I was a part of a dadt breach from equifax and XX/XX/XXXX. I contacted the police last year because I received a random call from somebody saying I had accounts open In Texas which wasnt true. Now I'm showing inquiries on my report like someone is trying to put something in my name I've also contacted the police again about this they have told me they can not do anything about inquiries because they can't prove anything was actually stolen from me. I've also contacted the credit beureas and transunion and equifax says they can't do nothing without a police report, but the police said they don't make reports for situations like this. 

The inquiries are Factual Data XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please help me remove these inquiries and further protect my report from this information being exposed. I have not opened any accounts in my name or attempted in the last 2 years.
Consumer complaint received 2022-11-30
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. (FL)

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. 

Account Name : US Bkpt. Ct. XXXX XXXX Account # XXXX Account XXXX  : XXXX XXXX XXXX Account # XXXX, Account XXXX  : XXXX  XXXX Account # XXXX, Account XXXX  : XXXX Account # XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, Account XXXX  : XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX XXXX  Account # XXXX Account # 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 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 2023-07-01
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: Experian Information Solutions Inc. (FL)

There are inquiries i dont recognize on my report Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX