davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
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. (MD)

This is my 15th 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 Bankruptcy Date Filed/Reported : XX/XX/2014 Reference # : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (VA)

I received a letter indicating that my student loans have been forgiven. Also, the Federal Student Aid website indicates that I now have a XXXX  balance but my loan service provider, MOHELA, fail to update the credit bureaus with this information. My account/records should reflect a XXXX  balance and status as paid in full.
Consumer complaint received 2023-02-17
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (TX)

Freedom Mortgage currently services my mortgage. I completed their process to have PMI removed from my account. I received a letter dated XX/XX/XXXX stating the PMI on my loan has been terminated. I called to clarify my XXXX payment amount, and the representative did not know about the cancellation and referred my account to another department. I verified on Freedom Mortgage 's website the funds in my escrow were sufficient to make a PMI payment before subtracting that amount from my XXXX payment. I was later called and told I was past due by the amount of the PMI. The representative confirmed that the PMI had been canceled and there were sufficient escrow funds to make payment. At this time, I had already remitted my XXXX payment, again subtracting the PMI. After the representative advised I was past due, I logged onto the Freedom Mortage website and made a payment equivalent to two months of PMI. I received a letter dated XX/XX/XXXX advising I did not make my full monthly payment. The letter stated, " To apply the payment to your account, we have reduced the escrow portion of your payment by the difference between the full payment and the payment received. '' Today, my credit score went down XXXX points because Freedom Mortgage reported me as past due. Given that I have made both monthly payments and they sent a letter advising my payment was applied, I dispute this as proper credit reporting.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (WI)

We were issued a Citi credit card ( XXXX XXXX ), which we had for almost a year. Then in XXXX of XXXX, we tried to use the credit and couldn't. So we contacted Citi and was informed that they had closed our account and that they could not give the reasons over the phone. Citi informed us that we need to request the reason for the account closure via a written letter and then send it to the address that was given to us ; which we did. After a week or so, we receive a response letter from Citi which indicated the reason for the account being closed. 

Citi stated in the response letter that our account was closed due my spouse 's prior conviction in XXXX. Since then my spouse has been a model citizen!! My spouse has had steady employment, obtained a mortgage, purchased a home, a vehicle and so forth. 

In the meantime, we owed about {$6500.00} on the card. We continued to make payments and Citi refused to reimburse our rebates that we acquired from our purchases. We then contacted a lawyer and he advised us to file a complaint with Consumer Finance. 

We had the Citi credit for almost a year and has been using it and making regular payments before the closure. Citi even praised us for our outstanding credit history payments and increased our limit. So, to just closed our account with no warnings and no notice, is unwarranted. As a result, we had to jumped through hoops to find out the reason for the closure. Citi should have done their due diligence and all the necessary background checks before issuing us the credit card. This is unethical and unprofessional on their part.
Consumer complaint received 2023-07-17
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. (KY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have had numerous problems with XXXX XXXX. I have a home mortgage with them. They have sent my payments back into my bank account instead of applying them to my loan payments and they ruined my credit score by several hundred. Had to report them for that. Now they have not reported my XXXX 2020 mortgage payments on my bank account. The incorrect loan amount is on my credit scores and my bank account. I emailed them every day to complain so I have it in writing and no one will fix the problem. This has been going on since XX/XX/2020. They also never send me my monthly statements, I will get one month then not another. I can not believe this bank is so slow to fix a HUGE problem that is effecting my credit scores. I have the credit bureau also looking into this with disputes but still no reponse from this bank. This bank should be fined, put on probation and monitored for a year. I want all my past monthly statements, my loan amount to be up to date EVERY month and to update all credit bureaus monthly for the duration of this loan. If they can not do this then sell my loan to a reputable bank with all the same parameters remaining.
Consumer complaint received 2023-03-09
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. (SC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX XX/XX/XXXXXXXX XXXX XXXX  ( Original Creditor : MEDICAL ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$7400.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX & XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-09
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-17
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXX Balance : {$8300.00}
Consumer complaint received 2024-02-27
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. (MD)

It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative technical, and physical safeguards.

( 1 ) to ensure the security and confidentiality of customer records and information ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such record and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer Your institution by law has an ongoing responsibility to protect the privacy and confidentiality of my nonpublic information. 
You have violated my privacy and confidentiality of my records and information by furnishing to a non-affiliated party without my consent or given the proper financial pursuant 15 USC 6602 ( 8 ) You have obtained my information under false pretenses, displaying yourself as a creditor on my consumer reports, when you know that there is no contract between you Dept of education and me XXXX XXXX. You have no right or permissible purpose you knowingly possess uses and or transferred an identification of me without lawful authority, this is the definition of aggravated identity theft. 
18 United States Code 1028A- Aggravated identity theft Offenses- I have submitted an FTC report to the credit bureaus in hopes of a full investigation with proof of a contract or something with my wet signature that confirms this dept belongs to me. The credit bureaus failed me and did not complete a full investigation. They stated these loans were verified and accurate without providing any proof of accuracy.
Consumer complaint received 2023-03-08
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. (PA)

INACCURATE INFORMATION IN MY CREDIT REPORT. ACCOUNTS : 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 2023-03-08
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. (CA)

In accordance to the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. Account name XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX, Account name XXXX Account number XXXX Date opened XXXX, XXXX, Account name XXXX Account number XXXX XXXX opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX, Account name XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX, Account name XXXX Account number XXXX Date opened XX/XX/XXXX, Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX. 
The above accounts have violated my rights. 15 U.S.C Section 602A states, I have the right to privacy 15 U.S.C Section 604A Section 2 : States, 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 2023-07-17
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (KY)

I have sent numerous requests to update my personal information correctly to Experian and XXXX they have continuously ignored my requests. 

Please tell Experian to delete the following addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (FL)

Problems with Loan Depot Paying our Taxes and Insurance Property taxes were due by XXXX XXXX. XXXX XXXX I called Loan Depot ( LD ) to makes sure they would be paid on time. Money for the payment was sitting in an Impound Fund since closing on the loan. Future contributions for taxes and Insurance would go into the Escrow Fund. 

I learned XX/XX/XXXX that my taxes were NOT paid by LD. I called LD at XXXX ET and was passed around several people. No one would tell me why the taxes were not paid. I was asked if the tax money was collected at closing, which funds were collected and rolled into the entire finance package at closing. 
Speaking to a Supervisor, again I was asking why the taxes were not paid. I received questions instead about if I sent them the tax bill? They received copies of all of this prior to closing of the loan. I once again uploaded the Tax Bill to them. This this explaining how the amount due not is higher than the amount due by XX/XX/XXXX. This Supervisor said she would Request to Disburse Taxes. 
This call was 49 minutes long. 

XXXX XXXX XXXX ET Taxes are still NOT Paid. 
I called LD to as WHY not? Held 23 minutes before I got a human on the call. I get passed around to various people again. I ask for another Supervisor. This time Im connected to XXXX XXXX ( SP? ) He said he is arranging for the taxes to be paid within two days. 

XXXX XXXX I receive and email saying my taxes were paid. I look on the XXXX County web site and the taxes are not showing paid. I call the tax office making sure. I was told that the amount wired was for the XXXX amount of {$6900.00} This amount due now due to being late is $ XXXXthe county does not accept partial payments, and the wire is rejected. 

I call LD and held for almost an hour..never got a human. 

XXXX, XXXX LD employee # XXXX. I start the whole story again. It goes no where. I ask for a Supervisor and get employee # XXXX Ms XXXX She tells me the correct amount will be wired within 24 hours. 

XX/XX/XXXX XXXXXX/XX/XXXX The Taxes are not paid by LD. No wire ever arrives. I call LD and get employee # XXXX XXXX? I start over with my explanation. I ask fora Supervisor and get # XXXX XXXX XXXX I explain it all again. He tells me The correct amount of money will be wired tomorrow. Duration of this call XXXX XX/XX/XXXX XXXXXX/XX/XXXX Taxes are not paid yet by LD despite many people telling me they would be by now. 
I call County Tax office to verify all wires have been processed. 
I call LD and spoke to employee # XXXX ( woman ) she tells me it will be escalated and no one will be able to look at it until Monday XX/XX/XXXX. So now the taxes wont be paid in XXXX and a higher amount is due as of XX/XX/XXXX the amount due is {$7000.00} Call duration 42 ; 00
Consumer complaint received 2022-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

This company is in violation of the Cares Act 15 USC 9051 I've sent a letter this ask Please remove all late payments and change the payment status to current because of the Cares certified mail XX/XX/2021, and the company has yet to respond nor updated the the report. Here It is 62 days later and no update. No even a response to my letter. Which is completely unacceptable. Which is also in violation of 15 USC 1681b
Consumer complaint received 2023-03-08
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. (MS)

XXXX I've never made a late payment XXXX  This isn't my account XXXX XXXX I've never had a charge-off with them. They said the credit bureau have to fix it. XXXX have yet to fix it. 

XXXX XXXX This isn't my account As far as the inquiries, they are not authorized which is a fraudulent act. Please delete! 

I reported these accounts as Fraud through the FTC. 
My rights under the Fair Credit Act were violated. I have the right to sue.
Consumer complaint received 2022-02-06
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: LEXISNEXIS (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.