davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-09
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. (AZ)

My sister and I have a home mortgage with XXXX XXXX issued XXXX of XXXX. In XX/XX/XXXX we had a business fail and we declared a Chapter XXXX bankruptcy but did not include the home mortgage. We did not realize until we tried to refinance in XX/XX/XXXX that XXXX XXXX never reported on my sister 's credit that she had a home loan and that in XXXX of XXXX XXXX XXXX stopped reporting on my credit and stated our loan was terminated. ( lesson learned check your credit at least once a year ). the institution i was trying to refinance with to use my VA thought i was committing fraud but all this came up after i paid for the appraisal and paid for a lock on the rate. ( about {$800.00} total ). In XX/XX/XXXX we contacted XXXX XXXX to try to straighten the mess out because financing VA and having an FHA loan triggered a CAVIRS flag with FHA because of the " terminated '' on my credit. Yet the entire time XXXX XXXX sent monthly statements and we continued to pay the house payment on time monthly. We requested as did our refinance lender, the payment history and to straighten out the reporting. This was in XXXX and now in XX/XX/XXXX XXXX XXXX still needs more time to provide a payment history and correct the reporting. As a result we had to withdraw the loan application and now we are out the {$800.00} we spent trying to refinance. We have talked to many levels of Customer service.
Consumer complaint received 2021-09-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 41 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my report. It has been over 41 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you causes me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-01-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pendrick Capital Partners Holding, LLC (VA)

Debt Collection for an alleged {$1200.00} debt for an emergency room service from XX/XX/XXXX. Never received any invoices or calls from any other person/company called me for this debt claiming that my insurance company never paid it. I was skeptical because it has almost been 2 years since this happened and I never heard anything about it from anybody. The people told me that they would " work with me '' and offered to " go with 2 payments for {$480.00} '' both in XX/XX/XXXX. I have impeccable credit and because I am I freak out that my credit rating would suffer so I agreed to the payments. The name of the company is AffiliateAS.com Several people I spoke to told me it was a fraud and I needed to block it.
Consumer complaint received 2022-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX, I received a notice from JP Morgan Chase, threatening to purchase condo insurance coverage, at my expense, as they stated they lacked proof of my own coverage. I immediately called to rectify the situation and was told by a Chase representative that, " this was our mistake '', " not to worry about it '' and " the situation has been corrected ''. They also advised that, while proof of the XXXX XXXX 's master policy was not required, it was still recommended that I submit proof of coverage. The following day, I contacted the association 's insurance agency and requested proof of coverage be provided. They forwarded a copy of the policy to Chase via email and I received an email from Chase to confirm the documents had been received. They promised to review and confirm but I never received a response. On XX/XX/XXXX, I received a second threatening notice from Chase, stating the same lack of proof of insurance and again threatened to purchase coverage at my expense. I visited their web site to try and upload copies of both my own personal coverage plus the XXXX XXXX 's master policy and found that both current, unexpired policies were already on the web site. I would look you to investigate this unfair and abuse practice and request an immediate cease and desist from any further threats against me. Thanks.
Consumer complaint received 2022-12-27
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have been attempting to remove PMI from my mortgage for about 18 months. The mortgage servicer, Huntington Mortgage Group, will not consider the original appraisal of my property ( {$120000.00} ) but  only the refinance value of XXXX 
The original mortgage was closed on XX/XX/XXXX and this loan was refinanced on XX/XX/XXXX, through the HARP program, which did not require a new appraisal. 
I currently owe {$96000.00}, significantly less than 80 %, nevertheless the Company is requiring a current appraisal, at my expense, with a cost of {$380.00} by their referred appraiser and no guarantee of it being a fair and valid one. I am unable to afford this. 
According to XXXX XXXX XXXX the current value of my property is {$130000.00}, according to XXXX it is {$150000.00}. 
It does seem odd and quite unfair that, for taking advantage of a federal government program ( HARP ), I am being penalized, since, if I had nor refinanced there would be no issue on the cancellation of PMI based on the original purchase price, with no need of an updated appraisal.
Consumer complaint received 2019-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SECURITY CREDIT SYSTEMS INC (TX)

XXXX XXXX XXXX has apparently obtained old collection information from a XXXX account that was removed from my credit report for over 3 years. They have now put it back on my credit report with an opening date of XX/XX/2019. This is illegal re-aging of a collection account.
Consumer complaint received 2019-02-15
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: First Data Corporation ()

I had lost my card on XX/XX/18 temporarily for a few hours at an airport and found it later on and found two charges that were not mine in total of {$700.00}. Clearly somebody had obtained my card information and made two charges and they denied the dispute and I appealed it and they had the nerve to lie to my face on recorded phone and say they had contacted me which they never did and I have the phone bill records to prove that. XXXX XXXX is already a shady company that handles the calls in the XXXX which is hard to understand any of the people talking to you in English. I had got in contact with them on XXXX-18 when they had the nerve to try and tell me they had tried to call my phone which is an absolute lie and said to wait another 45 to 60 days from the dispute date which it's already been that for another answer which is not going to get anywhere they have every reason to credit back my card and are not.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

In XX/XX/XXXX, I called Citizens Bank and asked them to close my savings account. After confirming my mailing address, the representative told me that I would be mailed a check for the {$40.00} remaining in my account. On XX/XX/XXXX, the transaction was posted to my account as " Closing Balance Withdrawal ''. I have called Citizens Bank on at least XXXX separate occasions over the past 5 months to inform them that I have never received the check. Multiple customer service agents have refused to provide me with a solution other than offering to " mail another check '' that never arrives. I have been hung up on more than once by representatives who have lied about their names and kept me on hold for hours at a time. As of XX/XX/XXXX, the check has still not been received.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

XXXX XXXX XXXX XXXX  XXXX has been falsely reporting Mrs. XXXX XXXX   mortgage as delinquent by utilizing an improper loan which does not exist. Therefore, the false credit reporting should have never occurred. On XX/XX/2019 XXXX XXXX XXXXXXXX XXXX XXXXXXXX sent Mrs. XXXX a letter stating they reported account status information to the consumer reporting agencies when reporting should have stopper ; We've notified the consumer reporting agencies and have asked them to update your credit report.
Consumer complaint received 2021-09-07
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. (FL)

A couple of years ago I purchased a home but prior to being able to I had to have my credit repair there was a professional that came highly recommended who repaired and rebuilt my credit for the purchase. 

At closing on my house my credit score was a XXXX so I didnt have a need to check my credit to often but when I did I noticed that a car had been finance. I have never been in receipt of the vehicle that ultimately was repossessed. XXXX XXXX is who I suspect used my information to acquire this car because he had a side business with XXXX where he would purchase XXXX and rent the vehicles out. I have been a victim of identity theft in the past and I also have an extended fraud alert on my credit which he added so he would have access to my information. 

I contacted the XXXX Police Department and the XXXX XXXX Police department. XXXX Police Department stated there was not much that they can do without more information on XXXX XXXX. The XXXX XXXX stated that XXXX XXXX did not come up with any suspects and that XXXX XXXX could be an Alias. 

I contacted the dealership and they confirmed the vehicle was delievered to an address that was not my own. 

I was eventually able to locate XXXX XXXX and advised him I would find him and press charges unless he made arrangements for me to get the car back right away and unfortunately because I did not create a budget to own a XXXX  I thought I was doing the right thing by returning the car. 



I didnt want to get him in trouble because he helped build my credit but looking at my report this account is hurting me personally and business wise. 

On XX/XX/2021 and XX/XX/2021 I sent letters to the credit bureau 's and creditor. 
The repossession was removed from TransUnion and XXXX but not from XXXX. 
The creditor has not responded to my letter sent in which I attached a copy of my identity theft affidavit.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I made multiple requests pointing out the inaccuracy and for the information to be deleted they continue to state its verified and although it was not verified as their are errors that I have been attempting to fix for 1 year reporting late and charge off and they continue to report on a monthly basis its charged off and late.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX account number XXXX shows Pay Status Charged Off but still showing a balance and a past due amount. 
Kohl 's account number XXXX shows Pay Status was Charged Off, but still showing a balance and a past due amount. XXXX account number XXXX shows Pay Status Charged Off but also still showing a balance and a past due amount. 

How can there be a balance and a past due amount on these accounts when they were Charged Off?
Consumer complaint received 2019-02-15
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/18, I requested a copy of my credit report from all three credit bureau and at first glance, I notice an account that wasn't mined. I did some deeper research found out that some individual had somehow got my info and used it to buy a dog at a pet shop, without on permission. I wrote disputes letters to all three of the credit bureau XXXX, XXXX, and Experian. they keep writing back account XXXX was verified, I even contacted the finance company that provided the finance to the pet company. they sent me a copy of the original contract, which was fraudulent, they also said the item should be deleted off my credit report. Sent all three bureau proof of the fraudulent contracted, but still, they would not remove the item off my report.
Consumer complaint received 2022-02-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: C/C Financial (MO)

The Preferred Lease with account number XXXX appears to be a charge-off account with a specific balance of {$4400.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported in XXXX, XXXX and XXXX Bureaus. As per FCRA, the 3 bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.
Consumer complaint received 2023-03-16
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. (FL)

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-28
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: AMERICAN EXPRESS COMPANY (OK)

I canceled my American Platinum card over a year ago. Recently, I received a letter stating that I owed money on the card. I called American Express and they said it was taken care of and I wouldn't have any issues. I was also told that this was American Express ' fault and not my own. 

Flash forward a month and my current Gold card gets declined. I called American Express and they said the Platinum card issue was not resolved and, because my gold card was linked to my platinum card, it was declined in association. It was a Saturday and I was told it would be resolved first thing Monday. It was not. 

My husband tried calling Monday and was on the phone for 2 hours with no resolution. I called later that day and after 2 hours all they could do for me was let me temporarily use my card for 5 days while they worked to resolve the issue. I doubt it will be resolved by then and my card will be unusable again due to an issue on their end. When I asked for a refund for my yearly fee, I was told no. I asked to speak with a supervisor and no one was there. I was told I would receive a call from a supervisor within 24 hours and no call came. 

American Express is holding my card XXXX due to an issue on their end that is out of my control. They have been harassing me with continual pay up texts, emails and mail. They have wasted hours of me and my husband 's time. I have been with amex for 6 years and it has become apparent that they only care about your money and not you as a consumer hence why they refused to refund my yearly fee.
Consumer complaint received 2022-12-27
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. (NY)

I have a fraudulent account in my Equifax credit report which is : Report Date XX/XX/XXXX Credit File Status No indicator on file Average Account Age 6 Years, 4 Months Length of Credit History 6 Years, 4 Months Oldest Account XXXX XXXX | XX/XX/XXXX Most Recent Account XXXX XXXXXXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OK)

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.

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 2023-11-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (IL)

Every year the mortgage company is trying use shortage to the escrow account to raise the monthly mortgage payment. I have contacted the escrow department, and they are saying that i can't make the payments that is the sum of the 12 payments that is different from my current monthly payment and leave my monthly payment along.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have previously disputed with XXXX, XXXX  and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reporting badly hurt my credibility. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information.
Consumer complaint received 2019-12-18
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. (GA)

XXXX XXXX XXXX Bank I have reporting this information for over two years and it cost me in numerous of way not being to provide shelter or purchase items at reasonable price conducive to my actual credit report. It has my credit score slightly down. I want this corrected immediately. It is  registered with a XXXX balance and showing a foreclosure. You can't have a foreclosure and XXXX balance. I also can not have two1st mortgages at the same time. I also have spoke to this mortgage company and they have agreed it is inaccurate and stated it would better if XXXX and the credit. Bureaus correct their information. This information should be expedited on my report as soon as possible. I would this complete by tomorrow, I have waited too long for this process. I can be reached at XXXX XXXX XXXX