davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-04
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. (TX)

I have reviewed my report XX/XX/XXXX noticed there are several items on my report that are being illegally reported. There are inaccuracies and inconsistencies in the reporting status listed on the accounts shown. Based on FCRA 611 ( 5 ) ( ii ) I sent in a dispute showing the inaccurate information and requested it to be deleted. I received resulted from Experian that showed to accounts " updated '' Once I looked at the updated copy of my report I noticed that nothing about the accounts in question were in fact updated. However, I notice a late payment that I asked to be reversed had changed months originally it was reporting late in XX/XX/XXXX it now shows XX/XX/XXXX I spoke with a CRS at Experian and she stated the XXXX XXXX verified there were No late payments XX/XX/XXXX based on the FCRA 611 ( a ) ( 1 ) ( a ) I sent in a reinvestigation letter and on XX/XX/XXXX I received results saying the account 'updated '' after reviewing the updated credit report there were no changes. 

This is a complete violation of the Fair Credit Reporting Action FCRA 611 ( a ) ( 1 ) ( a ) and FCRA 611 ( 5 ) ( ii ) and I would like this information removed from my credit report ASAP
Consumer complaint received 2021-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Hi my name is XXXX XXXX on XX/XX/2021 capital one froze my accounts I wasnt able to access my accounts to pay my rent my bills my medical bills and any other important activity that I have going on in my life. I normally pay my credit cards on time every time, but because they froze my accounts I was unable to pay my credit cards I was unable to buy food pay rent I almost lost my home and I wasnt able to afford any medical assistance. They kept my account frozen for three months During these tough times during CovidI would never have thought the capital one bank that I had for almost 10 years would freeze my account.Because my accounts are frozen I couldnt pay my credit card bills and capital one started to charge me late fees and collect interest. Im trying really hard to pay my credit cards off right now but I can not afford to pay the interest fees and the past due fees. Its like they purposely set me up to keep charging me interest and interest and fees on top of fees to make money off the money I dont have to make money off the money they took from me in the first place until this day they are still charging me late fees interest fees and passed do fees. If they can remove the fees I will pay my credit card in FULL.
Consumer complaint received 2021-10-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

On XX/XX/XXXX I applied for a HELOC. During the second day of processing I was asked why my pay check stubs went to a different address? I stated I lived in an apartment. At that point, I was put on hold and no one ever came back to the phone. The next day I received an email from a processor stating to provide a ton of personal information needed to process the loan. I responded with some of the information, but wrote about what happened the following day. I then said, before I go further, is there an issue with me living at a different address? She responded " It might be '', or something to that affect. Now, I'm concerned, because they have pulled my credit report and I know inquiries count against you. I asked her to confirm, before I send all this information, so as not to waste my time any further. We went back and forth, then she said I would be denied because I don't live on the property and she will notify underwriting to withdraw my application- that dry and that blunt. I asked if there were any other options? While waiting for a response - I asked if I could have the managers contact information. She responded with the Managers name " XXXX XXXX '' and stated she would not give me his number but he would call me. If I want to know more about loan options, to stop in at one of the local branches. I'm still waiting to touch bases with XXXX. This bank pulled my credit with out confirming what appears to be very important information if you are applying for a HELOC and denied me with no conversation or options for me. My credit score is around XXXX. I have never been late on my mortgage or loans in 20+ years. I believe an exception could have been made If I could have spoken with someone. And, If not explain why. I feel used and discarded.
Consumer complaint received 2021-03-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, in fact exists.
Consumer complaint received 2023-02-27
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2023 ; XXXX XXXX XXXXXXXX XX/XX/2023 ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023.
Consumer complaint received 2021-10-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: ZIONS BANCORPORATION (CO)

XX/XX/XXXX. I had a balance of approximately $ XXXX. XXXX was at a promotional 0.9 % and XXXX was at 3.5 %. Payments are applied to the 0.9 % balance first before being applied to the 3.5 %. I planned to pay the loan off in full, and re draw my balance, after reaching {$0.00} so that all my new balances were at the 0.9 % balance XX/XX/XXXX I wired XXXX from my personal bank account. The title company I refinanced with was supposed to wire XXXX this day too, but instead overnighter a trust account check. 
XX/XX/XXXX Vectra received and deposited the XXXX title company check. I tried to get the check stopped and a wire sent. Vectra returned the XXXX wire that was sent XX/XX/XXXX by the title company and deposited the check, despite me asking to do the opposite. 
XX/XX/XXXX Vectra cleared the XXXX check as they knew it was " good funds. '' XX/XX/XXXX Vectra loan specialists says my account balance is {$0.00} and any money I draw will be 0.9 % and amortized over 10 years. I redraw XXXX and this is amortized properly and payment and interest rate is correct. 
XX/XX/XXXX I receive a wire from Vectra for {$120000.00}. Confused, I call the loan specialists I was talking to. I said I was going to draw that money again, so as long as it was at the 0.9 % I was ok with the payment/redraw to me. She confirmed the XXXX would be at the 0.9 % interest. 

My XX/XX/XXXX payment comes and my payment is XXXX what it should be! When asked why, Vectra said I didn't pay down my XXXX of the XXXX loan completely, so it was amortized on the XXXX owed at one point. This is even though the statement they sent me showed me having a negative balance for 3 days. Vectra then changed dates on when money was received. My statement that was mailed to me says one thing, the statement online on XX/XX/XXXX say something different, and the ledger online says something different. None of the current statements reflect my payment made on XX/XX/XXXX. On XX/XX/XXXX I get an email from Vectra rep that states false dates wires were received ( I have confirmations and dates ), and that Vectra was the one that MISTAKINGLY returned the XXXX wire that was not requested by anyone except internal errors/assumptions thinking the loan was overpaid. Vectra also stated that was the last time they would talk to me about the loan. Despite the paper trail saying something 100 % completely different from what they are telling me. They refuse to correct my payment. In the mean time, I had to pay over {$400.00} in late fees waiting their response, and paid about XXXX more in principle than I needed to due to their error. Vectra is just hoping I go away and they don't have to honor their 0.9 % offer on the correct amount I have drawn.
Consumer complaint received 2021-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (TX)

I had overage of {$5400.00} in my loan account XXXX and CrossCountry said they sent me a check of this balance, but I never got it. Im so XXXX  of this company that I moved to another mortgage company. I got one check from my escrow balance when I closed my account but still missing the {$5400.00}!
Consumer complaint received 2021-10-05
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. (SC)

I have been disputing incorrect accounts that is reporting on my credit file, since XXXX 2020. I have not seen a change in the information that is reporting. I asked for documentation on accounts as to who, when and why. I have never gotten a response are documentation to support the information that is reporting incorrect.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have attached a picture from my credit report and it is incorrectly reporting a 60 day late payment to Experian and on the same month XXXX and XXXX are current. This needs to be fixed
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I am writing in about the credit bureau Experian. I have written in to the Agency on multiple occasions to have OLD personal information ( previous addresses and names that does not apply to me that is no longer associated or does not apply to me to be removed from my report. I have already submitted the current info that applies to me that need to appear on my credit file, but despite multiple request to correct it they continue to send update reports with the same information. As I have researched previously that only one name one address one employers should be listed on a report unless otherwise requested by the consumer. Please if you would investigate this matter and please have Experian to correct this matter as it is seriously and negatively impacting my credit profile and causing me to not be able get my credit corrected and cleared of negative items, therefore impacting my chances of obtaining the needed opportunity to obtain credit from vendors/ credit lenders and causing thousands of dollars in interest each year. Please help Your Regards XXXX XXXX XXXX
Consumer complaint received 2020-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (AL)

While checking my credit report I noticed Waypoint Resource Group has a negative remark on my reports stating that I owe a debt that I do not recognize. One entry was for 11 XXXX XXXX XXXX, and from my understanding that is a cable company. I have never used that company for cable service. I have never had cable service. This unverified information has caused a tremendous amount of stress and I plan to hire a credit protection lawyer to look into the matter.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : MN CHILD SUPPORT ENF DEPT OF ED/XXXX  MN CHILD SUP DEPTEDXXXX   XXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : MN CHILD SUPPORT ENF DEPT OF ED/XXXX  MN CHILD SUP DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : MN CHILD SUPPORT ENF DEPT OF ED/XXXX  MN CHILD SUP DEPTEDXXXX
Consumer complaint received 2021-03-14
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)

All three credit bureaus have severely dropped my credit scores and are reporting this comment or something similar : " Open real estate account balances are too high compared to their loan amounts. '' I live in the XXXX a retirement community. We have two types of homes - original and updated. If your home is in original 70 's 80 's condition it is of significant value less that if there has been a current remodel. This was my house in the beginning. It was in original condition and I have a completed a total restoration. I am NOT underwater with my mortgage of {$250000.00}, as this would be the low end value of my house even with a real estate value bubble burst! 

This is totally unfair to those of us who have invested in retirement homes in a retirement community. I have a 2 bedroom 2 bath 2 car garage on the 18th hole and don't plan to sell, however reducing my credit score to XXXX is criminal! This affects future car purchases, other loans, and insurance rates. Hope you can help.
Consumer complaint received 2021-10-05
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. (SC)

I have been disputing these incorrect items on my credit since XXXX, 2020. I keep getting the same response from credit Bureaus. They keep saying that it is verified. they are not telling me how, when, and who verified it. I'm getting denials based on their in correct reporting.
Consumer complaint received 2021-10-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (CA)

ERC a third party collection agency violated my rights by contacting me through mail, In the letter sent to me there was a logo that belongs to this company, in 15 USC 1692b ( 5 ) states that use of any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt is a violation.

ERC also violated my rights by claiming I owe a debt, violating 15 USC 1692b ( 2 ).

In the letter ERC used obscene and profane language violating 15 USC 1692d ( 2 ), and threatened to report me to the credit agencies, this action ruins my reputation and is defamation of character and it is a violation according to 15 USC 1692d ( 1 ). ERC also used false and misleading communication violating 15 USC 1692e ( 5 ) Threatening to take any action that can not legally be taken or that is not intended to be taken, and again stating they will attempt to ruin my reputation and character violation of 1692d ( 1 ).

ACTIONS I TOOK : *wrote out an itemized list of every violation, labeling them exhibits ( a ), ( b ), etc.

*highlighted and wrote in red ink every violation on the original piece of mail I received.

*wrote an affidavit of Truth with all exhibits clearly itemized.

*in the affidavit stated that I am sure the removal of my information from ERC website, company records, or any and all derivatives therefore, of, and / or with any affiliates will ensure my privacy right won't be violated again due to my lack of consent.

*stated that I do not accept their offer to contract.

*stated that I do not consent to these proceedings.

*stated that I do require subrogation of the bond to settle the charge *I typed out all factual violations in an affidavit of truth which was then notarized.

*sent the affidavit of truth to ERC response address listed via Certified Mail.
Consumer complaint received 2021-03-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P. (SC)

Sent a letter to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX letting them know that XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She suffers from a XXXX XXXX and XXXX with XXXX XXXX in the right hand. In 2020, Mrs. XXXX lost an XXXX XXXX XXXX XXXX XXXXl. XXXX XXXX is only receiving social security and she is unable to pay any debt. This letter was ignored and no one responded to her/our letter. I am XXXX XXXX, her niece and I assist her with any correspondence. I can be reached at XXXX. 

Thank you.
Consumer complaint received 2020-03-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (PA)

I called Fay Servicing , LLC. who is my Mortgage Company. Due to the current state of the Covid-19 virus, and since I'm in XX/XX/XXXX in XXXX Pa and all non-life Essential business are closed, I asked that they please defer my mortgage account for a few months until things picked up for me. I am current with my payments. They said they couldn't help me. This is absurd. My sister in-law works for a XXXX XXXX and they are deferring customers due to this crisis. I think this is XXXX. that they can't help me out during this crisis.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (UT)

It's always a struggle to get the bureaus to remove outdated / inaccurate info. Well I'm requesting the items be removed/ corrected as follows. They don't add any value so there is no point in keeping it on my report past it's time, to create pages and pages of confusion for lenders to go through and figure out. 

1. Remove XXXX XXXX XXXX as my employer, I do not work here and the info is outdated. 
2. XXXX # XXXX - remove the dispute language showing, I never disputed this account & had no reason to ever do so. I requested the removal of old XXXX XXXX & XXXX loans that were more than a decade old, you chose to consider that a dispute & disputed an item I never complained about. Remove that language immediately as it's inaccurate & never requested by me. 
3. XXXX # XXXX - paid off XX/XX/XXXX - {$5400.00} limit account is outdated, remove. 
4. XXXX XXXX XXXX inquiry from XX/XX/XXXX should be removed immediately as it is outdated. This does hurt my scores.
Consumer complaint received 2021-03-14
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)

I spoke to the credit bureau and was told that the items would be removed from my report and that I needed to send them my ID, Social, and police report. I provided the items to the credit bureau and they were not removed. I have sent in this to the credit bureau and loaded it here.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX