davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-17
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. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LTD Financial Services, L.P. (PA)

I have sent this company certified mail three times since XXXX and asked for proof this debt was not paid and they never give me the information Im requesting but they keep sending me 100 things in the mail to pay it but are refusing to give me proof. I have all 3 certified mail receipts to prove they in fact received my request.
Consumer complaint received 2021-09-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NY)

We are first time homeowners. I had applied to Rocket Mortgage, previously known as Quicken Loans for a mortgage. I did pre-approvals with a few different lenders to compare rates including other well known lenders such as XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX had provided the lowest estimate by far, like almost too good to be true and in fact it was. We had asked a few other lenders if they would match and everyone one of them said it was not possible since the rate was so much lower than anything they had seen. Literally a competing loan officer said " run, dont walk '' to get that rate. 

Rocket Mortgage, loan officer name XXXX XXXX NMLS # XXXX, told us we'd be able to get a rate of 2.0 % with no points for our loan ( including relationship discount w/ XXXX ). We excitedly paid the {$500.00} deposit to lock in that rate. However, when our loan estimate processed, we noticed it was not what we were verbally communicated over the phone. XXXX assured us that everything will be ok but that he did not want to put the real rate in so that we couldn't send it to a competitor. That seemed reasonable to us at the time. 

Slowly things started to unravel. Many calls and emails went to Will to see if he could get our loan estimate updated because we were uncomfortable proceeding with inaccurate information and a lot of money was at stake. He said everything was fine and that his team would take care of it ( see attachment ). Nearly 3 weeks elapsed and still nothing. 

Finally got ahold of someone that looped in his supervisor and when we informed him of the situation he basically told us to get lost. At this point 2.25 % was the best they do, even though we paid for a rate lock and every previous communication was that we would be able to close with 2.0 % no points. At worst this is fraud / predatory / bait and switch / lying / deceit / scam whatever you want to call it. At best, XXXX is a terrible mortgage broker that should have his license revoked. 

Had they communicated at literally any other time that this was not possible, we would have gone with another lender. Now our entire home buying process is in jeopardy because of their negligence.
Consumer complaint received 2023-02-08
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. These inquiries should also be removed. 
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 2021-09-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (IL)

My mortgage was in forbearance until XX/XX/XXXX with Flagstar. I called to see what options I had moving forward and was told my forbearance expired XX/XX/XXXX. I was never advised of this when my forbearance continuation was extended until XX/XX/XXXX. When I called to enquire why my online account was showing : You are currently on an active forbearance plan that is set to end on XX/XX/XXXX Please keep us updated on your financial circumstances so that when you are able to resume making monthly mortgage payments, we can provide you the best opportunity for an efficient mortgage reset. Please click Update Hardship Information to begin. 

I was told there's a problem with their online accounts and they are aware of this issue. In the meantime, there is nothing more they can offer me than to accept the deferral option I was approved for or file loss mitigation. This misinformation of the end of deferral dates and their lack of accountability for their mistakes finds me in a really bad spot. I would like the same options offered to me while my account was still in forbearance. After all, I was going by what I was told on the phone and what is showing on my online account. Furthermore, on XX/XX/XXXX spoke to three different people and received three very different answers. One said I was no longer in forbearance but protected under FEMA until XX/XX/XXXX, Second rep told me my account had a 30 day and 60-day late payment reporting ( never late on mortgage payments, prior to forbearance ), and the third was unable to do anything more after checking with her supervisor because my forbearance expired on XX/XX/XXXX
Consumer complaint received 2021-09-17
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (PA)

In XXXX of this year I refinanced my mortgage. For a few days in XXXX the mortgage was held by Specialized Loan Servicing- and then it was sold to another institution. The problem Im having is that Specialized Loan Servicing has STILL not cleared the balance with the credit reporting agencies, even though the loan was paid in full well over 60 days ago.I called them XX/XX/XXXX, they told me it would be taken care of by XX/XX/XXXX. It wasnt. Now they are telling me XX/XX/XXXX. My credit score keeps going down, because it looks like Im suddenly carrying double the mortgage debt.They should not be able to report money that I do not owe, and never owed them. Please help.
Consumer complaint received 2021-09-17
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: TD BANK US HOLDING COMPANY (CA)

XXXX a collection agency sent me a collection for Nordstrom credit card for {$10000.00}. The charges were made in 2019. I do not have a Nordstrom card to my knowledge. If there is an account there in my name then it is identity theft.
Consumer complaint received 2021-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

On XX/XX/21, I received a call from Loancare, who is tied to XXXX XXXX XXXX who made the loan and did not sell it to anyone else, about my account payment being late. I was told by the robocall to call the number they were calling from. Odd, but I called back and got a person. The lady informed me my payments were late. I was paying biweekly and was well within the timeframe of both payments before the XXXX of the month. She was able to fix it and put a note in the file that this would be happening regularly from me for my account. The " extra '' funds were originally applied to the principal, but were recalculated to be part of the loan 's regular payment. I found out later that the funds were only applied as the later payment, and no benefit from " paying early '' would be seen. So, I felt the issue was resolved. 

Jump ahead to today, XX/XX/21. Same deal, robo call to call back. Called back and got the person to fix it. Then I asked how this can be fixed permanently as I will be continuing to pay biweekly. She informed me that they do not allow that and the system can not support that. As a web infrastructure engineer, I let her know that this was a choice by her company not to support this method of payment. She asked me to ask my bank to group them into 1 payment which XXXX stated they were unable to do. I asked her to escalate this request to her software " Tier 2 Support '', a common support request in web application support. She refused and said they will not be supporting biweekly payment options. I said I would continue to lobby for this and we ended the call amicably. The details have not been fixed on the site. 

Why do I care about biweekly? A : Pay less interest and B : make sure the necessary funds are removed at the point that they are available in case I need the later paycheck for other needs. Basically, for my convenience. 

Why would Loancare not do this? They do not want less interest paid to them and/or to do the work of reamortization of the loan payments in what would be an otherwise amicable transaction. Loancare does not care about their financially informed customers and chooses to do this. If they need a qualified web engineer to show them how to do it, please call me. Pro bono consultation! I just want this fixed and they refuse to do so.
Consumer complaint received 2021-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (TX)

I XXXX XXXX the consumer and natural person am seeking remedy from IQ DATA INT. They are in violation of the FDCPA Laws as you can see in Exhibit A, B, and C.

They are in violation of 15 USC 1692d ( 1 ), by reporting on my consumer report and ruining my reputation. 
On XX/XX/2021 I sent IQ DATA INT a debt validation letter by certified mail ( exhibit B ) it was received and sign for on XX/XX/2021. Today is now XX/XX/2021. I have not received anything from IQ DATA INT. As you are aware, " Estoppel by Silence '' legally means that they had a duty to speak but failed to do so therefore, that must mean IQ DATA INT agrees with me that this debt is false. IQ DATA INT failed to validate a debt at my request, which is a FDCPA violation and still continued to keep reporting a disputed debt to the Consumer reporting agencies another FCRA violation.

By doing so and by reporting this debt to the Consumer reporting agencies it is causing damage to my character and that is Harassment under 15 USC 1692d ( 1 ) Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ). I want remedy by paying the invoice included of {$2000.00} and immediate Deletion from all consumer reports for my Federally protected consumer rights. please investigate this matter and help me from further harassment. Thank you, XXXX XXXX
Consumer complaint received 2021-09-17
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: Experian Information Solutions Inc. (CA)

I have contacted Experian on two different occasion regarding the balance on my mortgage account is reporting incorrect with XXXX XXXX XXXX. I states to them that my original loan amount is XXXX and the XXXX is balloon. on my credit report it states either XXXX or XXXX depending on month. i got a payoff from mortgage and sent to them with my dispute to show. They sent me back letter verified even though I requested letter who did they verify with. 

Then this month i made payment of XXXX they have payment recorded as XXXX. And due to I made this payment they dropped my score for the period XXXX XX/XX/21 by 13 points just for making a payment. 

I have paid off my credit cards but it is unfair by paying the required mortgage my score should drop. Does that mean every month it will decrease for doing the right thing. and when i paid my credit cards off last month I only received a 1 point increase and 30 % of there scoring is utilization and balance. I don't feel my scores are being calculated correctly and not fair i should lose points for making payments
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying aI recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. Thank you.
Consumer complaint received 2021-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Last year I applied for a " re-approved '' XXXX XXXX, which was denied with little explanation. I got my credit reports from the three major agencies and the only credit problem was a three-year-old alleged debt to a company named XXXX Department Stores, which alleged I opened the account on XX/XX/19 and have had a balance of {$34.00} ever since. I have no record, nor memory of this. If this company ever sent a bill, I did not get it. I do not have nor have I had any XXXX XXXX card except my current one, which I have had 20 years with a near impecible payment history. I disputed this with TransUnion. Their " resolution '' was XXXX Department Store charged off the {$34.00}, and TransUnion report now shows the debt as " charged off. '' When I inquired about re-financing my house I was told my credit report would increase the interest rate from 2.8 to nearly four percent. I then applied for an XXXX Credit card to see what effect this had, I was again denied. The photos of the attached email lists the reasons. None of these reasons are true so far as I can tell but are too vague to know what they mean. I pay off all my credit cards in full every month, and my only other debt is for a home equity line of credit from XXXX XXXX.
Consumer complaint received 2021-01-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: A-1 Premium Acceptance, Inc. (MO)

They claimed to only have processed a payment from XX/XX/XXXX, but have tried to take another payment from me XX/XX/XXXX after setting up a payment for XX/XX/XXXX.
Consumer complaint received 2021-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

The IRS stimulus was sent to my PayPal. I have proof. The first one went fine. The second one- they wont answer me where it is or why its not posted. Ive verified the info for deposit is correct. The money is missing. The people arent in the United States and give no answers. This isnt just happening to me. Its to many.
Consumer complaint received 2019-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (OH)

I was apart of the XXXX breach. 

I asked to be removed from the LexisNexis database. ( I was an employee for XXXX years before my job was moved offshore ) and aware of the the type of personal information they have on file. 

I've requested removal - as well as attaching the XXXX email stating this fact. 

They are now requesting further information. It seems they are making this as difficult as possible. During the XXXX debacle ( which I took abusive calls for ) the only thing they needed to do is request removal. 

I request assistance in removal of ALL personal information from their databases - which may or may not be accessible to offshore sources.
Consumer complaint received 2024-01-30
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. (SC)

I made the following opt out request of 2 companies that were reporting : I received a copy of my consumer report on XX/XX/24 and my opt out has not been fully honor and items are still showing on my report. 

Again, here is my opt out request : Per the FCRA as a federal protected consumer, I'm electing to opt out of any & all authorization of reporting any of the companies below that I the consumer may have given you, either in writing, non-written or verbal or non -verbal per 15 USC 6802 & 16 CFR 313.7. This is effective immediately and indefinitely.

I'm demand opt out reporting of the 2 following companies : XXXX. XXXX- they already paid off twice ( a ) from a Charge off report with IRS & ( b ) account was sold to 3rd party collection company.. 

XXXX. XXXX  XXXX
Consumer complaint received 2021-09-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

my name is XXXX XXXX XXXX XXXX with SSN # : XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. i am planning to apply for a loan so please dont make things hard for me. please delete those errors immediately.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

I have several addresses that do not belong to me that I have filed a complaint over in the past. PLease remove the following addresses : 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 

The is a fraudulent account that was on my credit report that I have never don business with this company XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MDE Home Loans, LLC (PA)

Hello, we were planned to close our home on XX/XX/2021 and we had provided all the documentation to the MDE Home Loans , LLC. We also received the conditional approval from the MDE Home Loans with an approved rate of 2.625 %. The Underwriter XXXX XXXX had approved teh underwriting on XX/XX/2021. However, one week before the closing, the President of MDE Home Loans, XXXX XXXX XXXX called me to say that they can not close my loan with the rate of 2.625 %, as they had somehow not " locked in '' and drastically increased the rates to 3.25 % with buying one point for a sum amount. I mentioned that I had requested the loan processor, XXXX XXXX and the Senior Loan Analyst, XXXX XXXX to lock the rates but they never lock them as per my request. 

There has been many instances of gross negligence from the whole team at MDE Home Loans, and I have many instances and emails where the President of MDE had coerced me into signing documents by threatening to not move forward with the loan if I do not sign those documents.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

First of all the multiple choice questions leading up to this, well I had to chose the best answer, because the selections didn't quite fit my issue. 

I do not own or rent a property at XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX. I have already submitted my FTC ID theft report to Experian after receiving a notice in the mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that their business partner XXXX XXXX XXXX leaked my information, including my social security number and sensitive medical information. According to the notice " bad actors '' gain unauthorized access have stolen my identity and sensitive medical information. Upon learning this, I checked my credit report, and found that there is an address on my credit report that I do not recognize. Apparently bad actors have also added a property that I know nothing about to my credit report also. I am disputing this information, but Experian is giving me a difficult time uploading supporting documents. Experian has emailed me telling me they have denied my dispute because I have not sent additional required information such as ; my ID and bill, etc.. I have been trying multiple times on multiple days to upload this information via the link they provided " https : //www.experian.com/consumer/upload/ ''. 

I have recorded a screen shot of their website denying my upload of supporting documents. This has happened numerous times on multiple days. I noticed this happened when I started trying to upload the Notice of Data Breach. It is as if they are selectively denying the upload of information regarding data breaches. They are creating a barrier to consumers addressing and disputing inaccurate information on their credit. 

I recorded a screen shot of the Experian upload broken process. XXXX XXXX XXXX