davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

We refinanced our mortgage, and in a letter dated XX/XX/XXXX, Freedom Mortgage ( our initial mortgage company ) confirmed that the loan had been paid off. I failed to stop automatic drafts and we had an escrow balance, so the company owed us {$4900.00}. The check did not arrive, so I contacted the company in XXXX, fearing that the check had been stolen from our mailbox or not delivered to the correct location. In this phone call, I was told that the company would stop payment on the initial check and reissue another one. This check never came, so I called again on XX/XX/XXXX. In this phone call, I was told that the person who handled my first inquiry in XXXX wasn't actually able to initiate a reissue of the check, since it hadn't been 30 days since the original check was issued. Evidently this problem had been disregarded, no one followed up with me, and no check was set to be reissued. On this same XX/XX/XXXX phone call, during which I spent roughly an hour on the line, the Freedom Mortgage representative set up yet another reissue. I requested that this check be sent certified mail ( which I said I would pay for ) so it could be tracked, and they said that was not possible. I asked if I could be notified when the check was sent, and they also said that was not possible but I could call again 48 hours from that phone call to follow up. I called back on XX/XX/XXXX, and the representative said that the new check was to be dispersed no later than XX/XX/XXXX and I could call back to check again. I called for a fourth time on XX/XX/XXXX, when the check had not yet arrived, and the representative confirmed that the check was mailed XX/XX/XXXX, and my only recourse was to call back again on XX/XX/XXXX to have it cancelled and reissued again. 
There is no place on their online portal to handle an issue like this in a timely manner, so it seems that my only option is to sit on the phone for extended periods of time. I have received all other postage without issue from Freedom Mortgage for the duration of our time as customers. I was told that the only way for this company to get our money to us is through a check sent in the mail. It has now been nearly four months and the company has failed to provide the money we are owed.
Consumer complaint received 2020-02-27
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. (FL)

XXXX, XXXX, and Equifax are all reporting an account that is incorrect and has been for afew years now.. They all refuse to provide proof the account is mine and was 30 days late. the account in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Phone XXXX account # XXXX They are reporting 30days late on XX/XX/XXXX.. When contacting XXXX they have no record of this account. also number listed above as a contact is disconnected. 
I have disputed this account on XX/XX/XXXX and XX/XX/XXXX and once again the didn't do anything or provide any proof this account is accurate.. I now am demanding all three credit bureaus remove this account unless they can provide written proof this account is mine and I was in fact late. Otherwise I will be forced to pursue further legal action since this account negatively affects me getting another house.
Consumer complaint received 2021-11-23
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. (LA)

I am XXXX XXXX, I have been reporting an Inaccurate account and unauthorized inquiries on my credit report. It has been 60 days yet I haven't seen any changes. I am disappointed of how you guys investigate my credit report as I requested last two months. How could I explain to you that these negative items reflecting in my credit report is affecting me and also the financial stability of my family. Numerous products are getting higher demand in the market and getting expensive. And due to this pandemic, several things have been added to my family 's necessities.
Consumer complaint received 2022-11-11
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: Experian Information Solutions Inc. (TX)

There are a lot of accounts in my report that are not familiar with me, I was a victim of identity theft and I have reported it to the police. I sent letters to the bureaus, but they did not send me any response.
Consumer complaint received 2021-11-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (WA)

Please review Attachment 1, a two page summary of my concerns with the Wells Fargo mortgage application process. Wells Fargo denied my requested mortgage product/terms after first lying about my gross monthly income. Wells Fargo deliberately decreased my actual gross monthly income by 21 % and then proceeded to use this inaccurate gross monthly income to calculate a XXXX of 67 %, twice my actual XXXX. Wells Fargo then declared that my XXXX was too large, above 50 %, and I was not qualified for the applied for mortgage credit product.
Consumer complaint received 2021-11-23
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: OPORTUN FINANCIAL CORPORATION (GA)

On Monday XXXX XXXX, 2021, I attempted to see if I prequalified for the OPORTUN XXXX Credit Card. On the website, www.oportun.com it states explicitly that checking for prequalification will not require a hard inquiry which would impact your credit score. It explicitly states that only a Soft Pull would be performed! 

However, after supplying my personal information which was required to confirm my identity, I received a text to my phone with a link to confirm my identity and upload documents. Then I was led to page that said my application and documents were under review. I never submitted any documents nor was I ever told if I was prequalified or not! Yet I was then notified by XXXX that a hard inquiry had been made on my credit file! I did not authorize any hard inquiry. 

Oportun XXXX Credit Card is engaging in predatory lending practices!
Consumer complaint received 2021-11-23
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. (MT)

XXXX financial - we leased a car from them and at the end of the lease ( XX/XX/2020 ) we were told we owed {$900.00} for lease end fees. Per the direction we mad XXXX equal payment total {$900.00} last payment was XX/XX/2020. XXXX does not invoice for thi amount nor do they tell you when its paid per their policy. 1 year later my credit takes a XXXX point drop because XXXX say we owed them another {$1200.00}. Once again, they never sent us an invoice or tried to contact us. We I reached out XXXX about this they had already turned my account over to collections. I disputed the amount saying we were never told about this, but they said it was something that they missed initially and we had to pay it. I told them that wasnt a problem, but because they never told us, they should remove the collection status from my credit report and I would pay them the amount due. Of course I paid the money, but they didnt remove the collection status from my report and they did show I had paid them the money. I disputed the item on my credit report and they now show it paid and closed, but the collection status is still on there and effecting my credit score.
Consumer complaint received 2021-11-23
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Happy Money, Inc. (VA)

I have a personal loan with Happy Money, and I set up a payment for XXXX XXXX, XXXX. It was not taken from my bank account nor was it reflected on my account. I received a text on XXXX XXXX, XXXX stating that payment was late. 

Thought it was no fault of my own, and an issue with their system, I went ahead and scheduled a payment for the same day. Being a Saturday, it would clear before Monday. On Monday, I received 4 emails, 2 texts and 1 phone call. I reached out to them because of the excessive nature after 4 emails. They agreed that it was a bit much, and their system is set up for single touchpoints daily and something was going on with my account. I escalated it and was told a C & D was put on my account to stop all contact until they figured it out. After that, I received an automated phone call at XXXXXXXX XXXX. ET when I was trying to get my kids to bed. 

Again, I did everything I was supposed to, and then some as their system is the reason the payment didn't go through initially, but I'm getting sick of the bombardment from them due to their mistake.
Consumer complaint received 2022-11-11
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. (TX)

There are a lot of accounts in my report that are not familiar with me, I was a victim of identity theft and I have reported it to the police. I sent letters to the bureaus, but they did not send me any response.
Consumer complaint received 2021-11-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

On XX/XX/XXXX my XXXX XXXX XXXX was flooded due to Hurricane Ida. I called both my insurance company ( XXXX ) and Toyota Financial Services, ( TFS ). 

I called XXXX XXXX a week from that date on to verify all was fine. I told to NOT pay the XXXX bill which was due on the XXXX and that XXXX would make the account as total loss without interest our credit penalty. 

Every week I called XXXX XXXX a week to check on everything. I was told XXXX hadn't submitted payment. I called XXXX and finally confirmed payment. 

On XX/XX/XXXX I receive a letter from XXXX stating I owe {$0.00} after the receipt of the XXXX payment and cancellations of other warranties. XXXX paid out {$31.00} which brought my account to {$0.00}. I called XXXX on this day and was told that I owe {$0.00}. I called immediately back and was told the same thing. 

On XX/XX/XXXX my daughter said she had a missed call from XXXX. I called them and spoke to someone who said I had a balance of {$3400.00}. He said XXXX did not cover this portion. He transferred me to XXXX and this gentleman said he was incorrect and that I owed {$0.00}. He said he would talk to the rep and. He came back and said XXXX is saying I ow this amount due to extensions taken on this account. He transferred to someone else who said I had a balance of {$980.00} and that it was being reported to the credit bureaus. I asked to speak to someone else and was told the office closed. 

I called on XX/XX/XXXX and was told that this amount of {$3400.00} is correct and that I owe this amount. I asked why the letter from XXXX said I owed nothing just XXXX weeks ago. She said the letter did not state this. She looked into my account found the letter and said it was wrong. She said a new letter was mailed on XX/XX/XXXX. But I have not yet received this letter. She sent me a copy of the letter via email and it is dated for XX/XX/XXXX but like the previous letter it will take many day to receive. 

I asked to be escalated to a XXXX, who said the XX/XX/XXXX letter was incorrect and that they told me this on every call. This is an outright lie. This have not happened. I have chased XXXX every step of the way.
Consumer complaint received 2021-11-23
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: Experian Information Solutions Inc. (TN)

On XX/XX/2021 I sent a letter to XXXX and XXXX regarding the validity of the account listed below. I have only gotten a letter stating its accurate, no proof that this particular collection is indeed mines. No names, No telephone number, No signed contract by me.This is a violation of FCRA 15USC 1692 ( e ) and 15 USC 1692 ( f ).
Consumer complaint received 2021-11-23
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. (TN)

On XX/XX/2021 I sent a letter to XXXX and Transunion regarding the validity of the account listed below. I have only gotten a letter stating its accurate, no proof that this particular collection is indeed mines. No names, No telephone number, No signed contract by me.This is a violation of FCRA XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( f ).
Consumer complaint received 2021-11-23
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. (FL)

3 facts ( equifax report show different account name and balance ; XXXX report show different account name, balance and closed ). 
XXXX and Equifax have violated my right under the FCR, FTC and Fair credit and billing act by inaccurate reporting on my XXXX and Equifax credit report. XXXX has a different account number and different account balance as shown here ( DISPUTED ACCOUNT XXXX XXXX XXXXXXXX {$18000.00} Account XXXX Closed ) while Equifax reported something totally different as show here ( XXXX XXXX  Account Number XXXX XXXX Reported Balance {$18000.00} ). 
For your reference this case has been closed so why is it still on my credit report. Because of this inaccurate reporting you have hampered my financial future in obtaining financial readiness. Please delete this immediately. ) As a father, I take this seriously. My child is XXXX XXXX of age and I am still paying {$200.00} per month to help my children. By law I know all information on the credit report must be 100 % accurate, with no errors and must be verifiable. I know these information are not correct. Please delete this immediately. I am currently working with CFPB to request their assistance in this matter. I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. I have requested the XXXX and Equifax to correct their mistake. 

I have attached XXXX and Equifax reports to show the discrepancies.
Consumer complaint received 2021-11-23
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. (FL)

This is XXXX XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX {$0.00} XXXX {$520.00} XXXX  XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$4700.00} XXXX {$1100.00} CREDIT XXXX {$900.00} XXXX XXXX {$660.00}
Consumer complaint received 2021-11-23
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: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-11-23
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. (PA)

This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting AcXXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NJ)

The retail associate from Victoria Secret opened a credit card under my information without properly explaining the entire details. It was projected as a " rewards card '', I was never told that it was a credit card. Few months later I started getting bills for transactions I did not make. I called the company to help me, they never really resolved it,. I recently just checked with my XXXX report and there are anomalies like payments made which I never did. I did not even know the card existed in the first place. So now its a whole mess and I need this taken out of my report for it is affecting my history.
Consumer complaint received 2021-11-23
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} FCO ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$87.00}
Consumer complaint received 2021-11-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Asset Recovery LLC (NJ)

THIS DEBT COLLECTION COMPANY IS TRYING TO COLLECT A DEBT THAT IS NOT OWED. XXXX XXXX SENT ME A NOTICE OF THEIR INTENT TO COLLECT A DEBT WHICH I RESPONDED WITH IN XXXX DAYS. THER NOTICE WAS DATED XX/XX/2021 WHICH I RECEIVED XXXXDAYS LATER ON XX/XX/2021. XXXX DAYS TO RESPOND WINDOW CLOCK STARTS AT THE MOMENT OF RECEIPT NOT THE MOMENT THE DEBT LETTER WAS DATED. I DO NOT OWN THE POSTAL NETWORK SO DEPOSITING A DEBT LETTER IN THE POSTAL SYSTEM DOES NOT START THE XXXX DAY WINDOW IT IS UPON THE MOMENT OF RECEIPT. I ONLY OWND THE RECEPTACLE IN WHICH MAIL IS DEPOSITED INTO. THIS IS WHEN THE XXXX DAY WINDOW STARTS UPON THE MOMENT OF RECEIPT. NEEDLESS TO SAY I RESPONDED WITHIN THE XXXX DAY WINDOW AND THE COLLECTION OFFICE RECEIVED IN THEIR POSSESSION MY REQUEST TO VALIDATE THIS ALLEGED DEBT ON XX/XX/2021 AND SIGNED FOR IT. UPON RECEIVING MY NOTICE FOR VALIDATION, QAR IMMEDIATELY PROCEEDS WITH COLLECTION ACTIVITY BY NOTIFYING THE CREDIT BUREAU OF THE ALLEGED DEBT IN VIOLATION OF THE XXXX LAWS. THIS CAN BE PROVEN BY MY ATTACHED DOCUMENTATION. QAR HAS YET DETERMINED OR EVEN PROVEN THAT THE DEBT IS VALID AND CORRECT. LET ALONE EVEN PROVEN THAT THE DEBT IS INDEED MINES AND VALID. I HAVE NEEVER DONE BUSINESS WITH QAR AND HAVE NEVER ENTERED IN ANY AGREEMENT WITH QAR FOR ANY TRANSACTION. QAR HAS NOT SHOWN ME THAT THEY ARE EVEN LEGALLY THE ONERS OF THE ALLEGED DEBT. SINCE QAR ARE IN VIOLATION OF THE XXXX I IMPLORE THEM TO DELETE ALLEGED INACCURATE DEBT OR THEY WILL ANSWER FOR THEIR VIOLATIONS IN STATE AND FEDERAL COURTS
Consumer complaint received 2022-11-11
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. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX ( Installment ) Accounts - Summary XXXX XXXX Experian Last Updated XXXX, 2022 Payment Status Unpaid balance reported as a XXXX  by XXXX XXXX Worst Delinquency Charge Off/Other Derog Balance {$4700.00} Credit Limit XXXXi I have no knowledge of this account, if this was charged off it can no still be reporting. you must remove or submit a 1099G because you can not collect on a charged of account that you summitted to the IRS please remove and suppress. please update credit report