davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
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. (TX)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-03
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (AZ)

I was in the process of buying a new home for my XXXX children, wife and myself when the lender informed me that XXXX  Mortgage is reporting I made my XX/XX/XXXX payment late on XX/XX/XXXX. This is absolutely false and I have the confirmation email from XXXX  Mortgage dated XX/XX/XXXX that the payment was made. I spoke to multiple agents first being XXXX who was the rudest excuse for a XXXX agent Ive ever encountered. She raised her couch at me and insisted I made the payment on XX/XX/XXXX and would not even listen to me that I made it on XX/XX/XXXX and had the confirmation email to prove it. She spoke over me, outright refused to connect me with a supervisor after many clear requests and basically called me a liar and kept saying Whats crazy is Im looking right at it and you scheduled it on XX/XX/XXXX. Another agent, XXXX ID # XXXX ( on XX/XX/XXXX ) stated she could see that we made the payment on XX/XX/XXXX and this happens sometimes because of the holiday and weekend and they were closed on XX/XX/XXXX and XXXX so it didnt post until XXXX but it was made on time in XXXX. She told me the payment will not be reported as 30 days late and would be auto back dated. 
However, when I did a conference call with XXXX who was confirming for the lender, that agent ( also named XXXX but different from the previous XXXX XXXX said she does not see that and reported that the payment was made 30 days late on XX/XX/XXXX. She would not do anything to help or verify the information I was giving and even refused to allow me to forward them the XX/XX/XXXX confirmation email stating that the cashier she was escalating to would be able to see it. She would not provide a timeframe at all for resolution even when I explained this was preventing us from closing on our new mortgage. I called again on XX/XX/XXXX and again explained we are waiting for this issue to be resolved and that I have been calling for XXXX weeks and being told different answers and no one is helping. I begged the girl to help me resolve it today as our closing date was the next day, XX/XX/XXXX. She put me on hold and then stated her supervisor had escalated the issue to the cashiers and would call me by the end of that day. That was XXXX days ago and I still never heard from anyone. As a result of this, my new home loan was denied and I am now left with my family of XXXX staying in my mother in laws XXXX bedroom home with her, all in our things in a XXXX XXXX, we already enrolled our kids in new schools, set up utilities, changed address with the post office and the sellers of the home we were to purchase already moved out as well. Our lives have been absolutely turned upside down because of this.
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 — Credit inquiries on your report that you don't recognize
Company: Carvana Group, LLC (CA)

On XX/XX/2023 Carvana XXXX appeared on my XXXX Credit Report. I did not authorize or initiate any credit inquiry with them.
Consumer complaint received 2023-03-16
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. (NJ)

The account with XXXX XXXX XXXX for repossession is reporting inaccurate information. I have a right to an accurate credit report by law. 
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (AZ)

The NORDSTROM with account number XXXX appears to be a charge-off account with a specific balance of {$2300.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX and XXXX XXXX. 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 2023-01-18
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: EQUIFAX, INC. (TX)

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/block any items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/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 2020-01-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

I applied for a " streamline XXXX  XXXX  refinance '' on XX/XX/XXXX with CASHCALL MORTGAGE company located at XXXX XXXX XXXX, XXXX, CA XXXX with XXXX XXXX Loan Agent - Team 7 | NMLS # XXXX, with the knowledge provided to me that I would get a loan between 3.750 to 3.875. They pulled a bait and switch on XX/XX/XXXX ; XXXX XXXX had another person XXXX XXXX speak with me trying to put me in a hire loan rate, telling me the new loan rate would be 5.1 and an investor loan for an owner-occupied property. I asked why when I live in the property. I spoke with XXXX XXXX and asked for XXXX XXXX because I wanted to see if they would remove the hard inquiry on our credit reports since the loan could not be made as informed. XXXX XXXX informed me that XXXX XXXX was gone for the day.
Consumer complaint received 2020-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

On XX/XX/XXXX I called the Apt that I owe fee of XXXX I asked for an invoice for the charges and they did not have me on file any more due to computer change in XXXX I moved out on XXXX, they gave me the # Pro Collections XXXX XXXX acct # XXXX, I called and spoke with an agent and I asked if we can settle and she no that they do not settle and wanted me to pay in full and I had to pay within 7days and how was I going to pay and I said you are rude and I want to speak with a manager and she said they do not have one! I hung up and was upset
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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/block any items 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/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 2020-01-16
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. (TN)

Looking at my credit report I noticed I had 16 late payments. Late payments were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During this period I had lost my job due to business relocating out of state. Even though I wasnt able to make payment on my loan, would it not be one late payment per month? I have one account number with sequence numbers that fall under the one account number. Unless I have four different account numbers but I can only find one. I've tried to get a goodwill adjustment for my student loans two years ago with no success. I feel that 16 late payments is a little excessive in four month period.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (FL)

I called to cancel my Citibank credit card account and the retention specialist made an offer of spending $ XXXX for three months on the card and the annual fee of {$95.00} would be credited back. I agreed to these terms and asked to have the offer confirmed via mail. I received mailer today that said the amount was $ XXXX. I would not have agreed to the terms if the offer was {$3000.00}. I asked Citi to confirm these details and they would not unless I called the retention team. I believe this is a bait and switch aimed at making it so hard to get the retention offer that the cardholder gives up.
Consumer complaint received 2020-01-16
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. (TN)

Looking at my credit report I noticed I had 16 late payments. Late payments were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During this period I had lost my job due to business relocating out of state. Even though I wasnt able to make payment on my loan, would it not be one late payment per month? I have one account number with sequence numbers that fall under the one account number. Unless I have four different account numbers but I can only find one. I've tried to get a goodwill adjustment for my student loans two years ago with no success. I feel that 16 late payments is a little excessive in four month period.
Consumer complaint received 2023-01-18
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: EQUIFAX, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Balance : {$180.00}, XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022.
Consumer complaint received 2020-01-16
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. (TN)

Looking at my credit report I noticed I had 16 late payments. Late payments were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During this period I had lost my job due to business relocating out of state. Even though I wasnt able to make payment on my loan, would it not be one late payment per month? I have one account number with sequence numbers that fall under the one account number. Unless I have four different account numbers but I can only find one. I've tried to get a goodwill adjustment for my student loans two years ago with no success. I feel that 16 late payments is a little excessive in four month period.
Consumer complaint received 2020-01-16
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. (NV)

This will be my third time disputing which the first time was in XXXX and the second time was in XXXX. The third time is in XXXX and I am requesting to take this account off my credit report for inaccurate information. The first two times they said they verified with the creditor that the account is verified and accurate. The third dispute is this month in XXXX of 2020. I took matters into my own hands and requested factual information from the creditor about the account and sure enough that there was proof inaccurate stuff being reported to my account. I even sent the credit bureau proof from the creditor and provided Experian with the account information that's being reported on my credit file that was given to me by the bureau inside my next dispute through mail. 

Balance on my credit report was showing as {$17000.00} dollars which is incorrect as I have proof from the creditor of the balance on the account which is actually XXXX. There is stuff that is inaccurate that Experian has had two chances to verify it. FCRA states that if any information is reported inaccurate it has to be removed from the credit report account # XXXX
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AL)

I was a customer of XXXX for many years. Upon completion of my last renewal period I decided that I no longer wished to have their service. I had completed my last 24month commitment by a year and " per my contract '' I paid in full the remainder of the month in which I cancelled. XXXX began sending me bills for an additional {$100.00} for an additional month that my contract did not require. I contacted XXXX on numerous occasions to explain this and their response was that since the XXXX XXXX XXXX buyout their policy had changed and I now owed this additional amount. My w/XXXX  contract had no such clause and I refused to pay it. After many more calls to XXXX I finally talked to a gentleman that seemed to understand and assured my that he would get it " taken care of '' and I need not worry about it anymore. 
After several months I started receiving collection calls from a third party requesting payment for this debt that was not owed. I again spent many more hours trying to straighten this out but they were not interested in the fact that this debt was not owed in the first place. I have not had a late payment on anything in over 20yrs and these people apparently have the right to send my credit to the sewer over a debt that is not owed??? Something needs to be done about this. It is not always the consumer that is fraudulent. Add XXXX XXXX XXXX to the criminal list ... ... Am I supposed to hire a lawyer over a {$100.00} fake debt????
Consumer complaint received 2023-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IL)

I purchased my current condo less than 2 years ago. I paid {$12000.00} extra dollars extra to my down payment which leaves my 30 year fixed mortgage scheduled to be paid off a year in advance. In my mortgage center, the total balance is listed at XXXX. However, through Chase, my remaining balance is XXXX. On top of this, Chase has in my escrow account enough to my pay my entire 2023 property taxes which is over XXXX in escrow ( I pay my mortgage insurance separately ). Chase requires a BPO who valued my house at XXXX over the originally assessed value. Since then, Chase has given 2 separate reasons for not canceling PMI such as the market being inflated and now not applying the balance I paid + the excess escrow to my balance. Ive spent countless hours on the phone with no luck. Ive advised chase i will be retaining legal counsel to which they finally escalated the issue. I am hoping you can help. 

Regards, XXXX
Consumer complaint received 2022-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (TX)

I received a collection from XXXXXXXX XXXX, in XXXX XXXX I received a collection from a XXXX XXXX. I paid what I owe directly with the city. In XXXX it still show as derogatory mark on my credit score. I called the collection agency gave them all of my info of payment, dates & who I spoke to. Its XXXX now the collection agency has not reported the debt was paid off and the amount is different.
Consumer complaint received 2022-02-24
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Capital Accounts, LLC (OR)

At XXXX XXXX XXXXXXXX on XXXX XXXX Capital accounts called waking me up and from what I understand it is against the law to call before XXXX. I am not sure why they are calling as I was upset and yelled at them saying never can before XXXX again. I originally thought it was a telemarketer but after looking up CAP ACCOUNTS ( the caller ID ) it said it was a debt collection agency. I was hung up on twice when I called back but the third time calling I lied and said I was recording a call so they transferred my call to a manager. The manager put me on hold for 10 min and came back acting like he did not know why I was calling. I asked him for address, phone, and name of the company I told him I was going to file a complaint. Then he put me on a 17 min hold.