davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (FL)

We finally received an XXXX XXXX from XXXX XXXX XXXXWe sent the check to Roundpoint mortgage  and they received it XXXXThey sent it back saying we needed to sign it and send back with no explanation on why.I called and spoke to someone in the loss draft dept that said we needed to send affidavits from all contractors that would be doing the work to our home.I explained that all the work had already been done almost two years ago.The woman said if I sent all the paid receipts from work done that would suffice.She said once they got those they would set up an inspection and then release OUR money to us.After no communication again from this place I called and now they needed a breakdown of all the damage from the XXXXI sent this off with no response.I called XX/XX/XXXX and spoke to someone in loss draft dept and now they wanted the affidavits again.I asked to speak to a supervisor and after XXXX minutes on hold I was told that she could not " find one '' but she would have them call me later that day.Never received a call from anyone.This company is purposely holding OUR money that we paid out of pocket after the storm.
Consumer complaint received 2023-01-24
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. (MO)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Bankruptcy Date Filed/Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy Date Filed/Reported 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 XXXXXXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

multiple addresses reporting as mine but do not belong to me so some accounts have merged onto my account due to those addresses still on my credit reports I've asked and disputed multiple times with various credit reporting agencies and they never remove or delete addresses not belonging to me
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (CA)

I have recently requested my LexisNexis consumer disclosure report several times online, several times via U.S. mail enclosing legible copies ( color printer printouts of high-resolution document photos or of corresponding documents on regular paper ) of my identity documents ( CA Driver License, SSN card, US Passport , PG & E Bill ), and at least once via phone ( by speaking with a live agent ). See copies of my personal identity documents attached.

Every time, I get a letter in the mail from LexisNexis stating that theyre either unable to process my request as theyre unable to locate information sufficiently matching my data, or that theyre unable to process my request as theyre unable to authenticate my identity. 

Ive gotten the following such letters recently, dated as follows : Date : XX/XX/year> Consumer Number : XXXX Case Number : XXXX Unable to process request Unable to locate information sufficiently matching my data Date : XX/XX/year> Consumer Number : XXXX Case Number : XXXX Unable to process request Unable to authenticate my identity Date : XX/XX/year> Consumer Number : XXXX Case Number : XXXX Unable to process request Unable to authenticate my identity Date : XX/XX/year> Consumer Number : XXXX Case Number : XXXX Unable to process request Unable to authenticate my identity Date : XX/XX/year> Consumer Number : XXXX Case Number : XXXX Unable to process request Unable to authenticate my identity Date : XX/XX/year> Consumer Number : XXXX Case Number : XXXX Unable to process request Unable to authenticate my identity
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (CA)

I lost my job and then the pandemic hit. I called to try to negotiate to lower this payment and there was an unwillingness to help. Now my credit score is ruined. I need these late charges off my report so I can move forward. I now have a good job and paying on this debt.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (OH)

My Chase checking account was hacked from my debit card. They made two transactions on XX/XX/28 to XXXX XXXX XXXX XXXX XXXX XXXX. One for XXXX and the other for XXXX. This is a foriegn company from XXXX. I contacted my bank Chase and they return the money back to my account. They told me they would do an investigation on this matter. About three to four weeks later they took those amounts back out of my account with no notification. When I inquire about this to the bank, they told me after the results of their investigation they determined the transactions were legal. I explained I've never been to XXXX and I don't even own a passport. They said I had to give them some proof that I didn't make those transactions. When I ask what proof I needed to give them, They wouldn't tell me. I'm a XXXX XXXX living on Social Security. I can't afford to take trips to foriegn Countries.
Consumer complaint received 2020-12-24
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. (PA)

I have two negative items on my account that Equifax took points away from me for one is XXXX XXXX  two is XXXX  I did not close these accounts and I would like to have my points given back that they took from me.
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (NC)

Equifax failed to fix my credit from XXXX wihtin 30 days tool them 90 days in the meantime XXXX  and XXXX  rmeoved the fraud charges that was reported by XXXX XXXX in 20 days. Equifax is a terrible company they never take calls they are a total fraud and need to be investigated themselves. How dare they not able to fix this in a timely manner. Please investigate them and stop sending false info to your customers.XXXX  XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I am formally submitting this CFPB complaint just to notify you about the late open account, charge off and late/closed upon checking them in in my credit file. I found out that the accounts still on my credit file which are appeared as late and inaccurate the fact is, I've been paid it already. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. With your assistance, these accounts should be corrected right away : XXXXXXXX XXXX XXXXXXXX XXXX : {$530.00} Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXXXXXX Balance : {$0.00} Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXX : {$0.00} The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNCOAST CREDIT UNION (FL)

XXXX XXXX is an individual who is responsible for a XXXX ad for a 2 bed 2 bath condo in XXXX, Florida. I contacted the individual in regards to the condo and he proceeded to inform me of the features of the home and that he was living in Delaware taking care of his mother so he could not show me it in person. He sent me pictures of the place and had me fill out an application for the condo, he informed me I was accepted and I would be signing a lease and needed to place a security deposit of {$800.00} and a first month rent of {$800.00}. I proceeded to sign the lease on XX/XX/21 and send him the money. He informed me that he would be sending me the keys via US mail in order for me to move in to the condo on XX/XX/21. On XX/XX/21 he contacted me saying he could not send the keys because an individual wiling to pay all months up front was interested and the only way he would send me the keys was if I payed him all the money up front with a discount making it only {$600.00} a month. I proceeded to inform him that I really needed the condo because I was a medical student sent to clinical rotations in XXXX and he asked me to send money in order to make it happen. In desperation of needing a place to stay I sent him a bitcoin transaction of {$900.00} through cashapp and {$500.00} deposited in a bitcoin ATM. I attempted further to send him more money but I was limited to how much I could pull and send in 1 day. I told him i would continue the payments if the keys were delivered by the next day and he stated that they would but the following day he reached out and said one of my payments had fallen through and that I needed to send another {$800.00}. I realized he was a scammer and refused to send him any more money until I had the keys and he proceeded to tell me that I would never get the keys unless I payed the full amount. I was unable to move in on the date signed on the lease and am currently homeless as my funds for the semester have been stolen and I have nowhere to stay. The bank refuses to help me with my funds as they say the money was sent and they can not be returned.
Consumer complaint received 2021-01-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NC)

I received the attached email of what appears to be a fake debt collection attempt. I don't believe it to be a legitimate debt collection and I do not owe such amount to this company.
Consumer complaint received 2024-03-20
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: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-01-24
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. (PA)

In accordance with the Fair Credit Reporting Act, XXXX account # 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 an account without my written instructions.
Consumer complaint received 2021-01-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (NC)

Medicredit Debt Collection Agency contacted me via mailing in XX/XX/2020 about a medical debt from the billing department of XXXX XXXX  in XXXX, NC. I contacted a XXXX XXXX XXXX, XXXX XXXX in the billing department and verified the debt amount owed, as well as, the medical service date. Soon after, I reached out to Medicredit Debt Collection Agency to settle the debt owed from XXXX XXXX. 

In XX/XX/2020, I paid the verbally agreed upon debt settlement amount reached with XXXX, a Supervisor from the Medicredit Debt Collection Agency location in California based on an agreed upon percentage amount within the month of XX/XX/2020 ; I have submitted proof of the two adjusted payment amounts which were email receipted to me on XX/XX/2020 and XX/XX/2020. 

Also, I was also told once the debt was settled that the debt collection would be removed from all three credit bureau reports within 30 days. Medicredit Debt Collection Agency has not kept the pay-off agreement by removing the debt from my credit reports and continues to perpetuate a non-existent debt as being unpaid.
Consumer complaint received 2021-01-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Risecredit, LLC (TX)

I contacted RISE via chat on XX/XX/XXXX to try to get an item removed from my credit report. The lady I spoke with said they did not have an account for me and they should not be reporting anything on my credit report but when I pulled my credit report today I saw RISE reporting on my credit.
Consumer complaint received 2021-01-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

To close my mortgage, I initiated a transfer from my Bank of America checking account to my Bank of America mortgage account on XX/XX/XXXX. The amount is gone from the checking account but has not reached the mortgage account. I made multiple calls to Bank of America but they have not figured out where the money disappeared. Please help me out. The transfer amount is over XXXX dollars.
Consumer complaint received 2021-01-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRSTBANK PUERTO RICO (PR)

I have an FHA mortgage loan with Firdt bank PR, in which I accepted the moratorium starting in XX/XX/XXXX due to the pandemic. I work as a XXXX  and I was very affected economically by this situation. In XX/XX/XXXX they tell me that I do not have to make payments until XX/XX/XXXX. In XXXX they tell me that I do not qualify for the moratorium, that I have to pay the 6 months in arrears. My economic situation prevents me at this time, I was only not affected by the pandemic, also by the earthquake of XX/XX/XXXX. My workplace was seriously affected, it is in the town of XXXX. I hope you can help me since I have XXXX underage children and I don't want to leave them on the street.
Consumer complaint received 2021-01-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (FL)

The bank is terrible. When I got my car, I told them that the car dealership lied to me and the co-signer about the loan we were signing and to take his name off because they told us once I update my license they can remove him. But now the bank and the dealership are saying they cant. This man just signed as a co-signer because he liked me and thought he could win me over if he did it. I was XXXX ; I didnt know any better. The guy is XXXX or XXXX XXXX XXXX and was just trying to get me. I didnt know none of this. I told him just because you co-sign doesnt mean I want to be with you. He started threatening me and texting all kind of evil and crazy things. I had to rent out my apartment and move because Im scared of this man. The dealership and the bank said they cant do anything, but I know they can and that my life is at danger. And I didnt know all this was going to happen like this. This is my first car, and I felt victim to a man who gave me a ride to the dealership and the bank with this issue and interest rate. Please help me!
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

debt collection agency claims i owe them money. i want proof of contract from company they claim I owe. i did not enter into any contract with this agency and do not plan on giving them money with out proof of contracts. " ORIGINAL '' Contract document, and contract i have with this collection agency.
Consumer complaint received 2023-02-12
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. (GA)

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 : XXXX Account number : XXXX Amount : {$690.00} *Please remove this account off of all my credit reports : XXXX XXXX Equifax and XXXX. * Account name : XXXX XXXX Account # : XXXX * Account has been paid and closed. Please remove from my credit reports : XXXX, XXXX, Equifax. * Account Name : XXXX XXXX Account # : XXXX * Account has been paid and closed. Please remove from my credit reports : XXXX, XXXX and Equifax. * 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 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IA)

I AM A FEDERALLY PROTECTED CONSUMER AND HAVE RIGHTS UNDER THE FAIR CREDIT REPORTING ACT ( F.C.R.A ). I HAVE THE RIGHT TO ONLY HAVE ACCURATE CURRENT, INFORMATION. EQUIFAX REMOVE THESE ADDRESSES FROM MY CONSUMER FILE THAT ARE NOT CURRENT WHERE I RESIDE. EQUIFAX REMOVE XXXX XXXX XXXX XXXX, XXXX, EQUIFAX REMOVE XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. EQUIFAX REMOVE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX.EQUIFAX YOU HAVE IN YOUR POSSESION MAILED COPIES OF MY DRIVERS LICENSE TO SHOW MY IDENTITY, I HAVE MAILED COPY OF MY SOCIAL SECURITY CARD AS XXXX HAVE MAILED COPY OF MY CURRENT ACCURATE RENTAL LEASE WITH ADDRESS OF XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX . SO REMOVING THESE ADDRESSES SHOULD NOT CONTINUE TO BE ISSUE AS IT HAS BEEN. THAT IS WHY IM CALLING ON THE CFPB TO ENFORCE MY RIGHTS TO HAVE ONLY ACCURATE CURRENT INFORMATION ON MY CONSUMER REPORT AS THE FCRA CALLS.