davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-24
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: CORELOGIC INC (NY)

Between the dates of XX/XX/XXXX - XXXX, XXXX three unknown inquiries were made on my XXXX credit report. These inquiries included XXXX XXXX XXXX, Corelogic Credco, and XXXX XXXX. From this time through XX/XX/XXXX and again in XX/XX/XXXX Ive made several attempts to reach out to each company, each noting that they are unable to locate accounts in my name or social security number with their company or related services. I was told to reach out to XXXX to have the inquiries removed. Several calls were made to XXXX who explained that the companies must provide notice of no accounts. Calls were made to the companies. One of which, XXXX XXXX XXXX, who recently provided documentation stating no present accounts or contact with the company therefore recommending XXXX to remove the reporting. One company Corelogic has failed to respond to attempts for assistance. XXXX explained that XXXX   must initiate this fraud inquiry. XXXX  says XXXX must do so in order to investigate. XXXX says the concern must go through the fraud dept. but can not be investigated as fraud if no account has been identified. In this time I learned that disputes can be filed with XXXX online. This was done in XX/XX/XXXX but again they were unable to resolve the issue. I learned that XXXX actually makes no calls to the companies, rather they just look at the reporting and deem it factual. They again asked for notice from the companies. 
As aforementioned I was able to get a notice from XXXX XXXX XXXX, clearly stating the inaccuracies and need to remove the inquiry. This was faxed ( as their website did not allow uploads despite what it says ) to XXXX in early XX/XX/XXXX but they again rejected the dispute and deemed the reporting factual despite the company providing the notice that they stated was required. These three false and inaccurate inquiries remain on my credit report going on 2 years and no one seems able to help.
Consumer complaint received 2019-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JMD,LLC (CA)

I recieved an XXXX related injury on XX/XX/XXXX resulting in medical attention and gave the hospital my insurance information which I covered under emergency services. My medical provider is XXXX XXXX XXXX XXXX subscriber id # XXXX since XX/XX/XXXX. I recieved a bill on XX/XX/XXXX in the amount of {$1600.00}. I immediately called the hospital and again provided my insurance information. I thought everything was taken care of until I recieved a collections notice almost 1 year later on XX/XX/XXXX from high desert creditors service in the amount of {$1600.00}. I then again immediately called the hospital again, spoke with XXXX XXXX the supervisor of billing. She then had me on a 3 way call with my service provider ( XXXX XXXX XXXX XXXX ) to provide proof of insurance. I again thought everything was good until XX/XX/XXXX with the collection landed on my credit reports. Me being frustrated and angry reached out to XXXX XXXX of XXXX XXXX XXXX ( billing supervisor ) monday XX/XX/XXXX got her voicemail and kindly told her to call me immediately. The same day I reached out to my health insurance provider XXXX   XXXX they told me they did not receive any claim whatsoever from the hospital. They were even able to get ahold of XXXX XXXX that same day XX/XX/XXXX who then told my insurance she would be sending the claim that same day. On XX/XX/XXXX XXXX XXXX of billing finally returned my phone call. As I proceeded to tell her my story she had the decency to hang up on me, no call back, nothing. I called back immediately and left her another voice mail. It is now XX/XX/XXXX and have yet to hear back from XXXX XXXX and my insurance provider has yet to receive a claim. I'm just so frustrated with this situation and hope you could provide some help. Thank you.
Consumer complaint received 2019-09-24
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. (VA)

Experian is still insisting I have a " Personal Finance Account '' with the exact same account number and company as my mortgage. In their response to my recent CFPB Dispute, they claimed to have " contacted the Data Furnisher and verified the Account ''. THIS WOULD BE IMPOSSIBLE SINCE XXXX WENT OUT OF BUSINESS IN XX/XX/2019 AND CAN NOT BE REACHED. As well, I could not have an active account with them since THEY NO LONGER EXIST! I would like Experian to explain how they " contacted '' a company with no working phone number, email address or physical address!!! Did they use telepathy? Smoke signals? What is the name of the person they spoke with, what day did they contact this person and where is the proof of my having two accounts with the same account number with XXXX when they no longer exist. 
According to the Fair Credit Reporting Act ( FCRA ), a credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item. THEY THEY OBVIOUSLY DID NOT CHECK THE ACCURACY OF THIS NON-EXISTENT ACCOUNT SINCE THEY STILL BELIEVE IT EXISTS WITH A NON-EXISTENT COMPANY. They need to provide details as to how they " verified this account '' since there is no data furnisher they could have verified this with. XXXX DOES NOT EXIST SO IT'S IMPOSSIBLE TO VERIFY ANYTHING OR FOR ANYONE TO HAVE AN ACTIVE ACCOUNT WITH THEM!
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-12
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: Credit Plus Inc (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Report Number XXXX I AM DISPUTING THE VALIDITY OF THE INQUIRY. None of these inquiries will have my signature on file and unless the company can show a hard copy with my signature, I ask that these inquiries be removed, and an updated report be sent to me.
Consumer complaint received 2019-09-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I purchased plane tickets through XXXX XXXX and they completely scammed me out of XXXX $ i purchased XXXX $ flight insurance in case i needed to cancel our change my flight, which on the website said cancellations were covered. The day before i got really sick and couldn't fly for 21 hours. I tried to cancel and they said that i would have to pay XXXX $ and that my insurance doesn't cover cancellations but it actually did. I purchased a full round trip ticket. 2 weeks later was supposed to be my return flight but because i NEVER took the flight there nor was i offered an alternative solution besides ripping me off for more thousands of dollars they cancelled my return flight and still did not refund my money. I never flew with this airline my insurance covered nothing and i feel scammed. I filed a claim with my bank ( chase ) and they have not helped nor ruled in my favor. They have not offered me partial refund or anything for that matter. I am so upset because this company portrays false information. I also XXXX   the company and this is not an isolated situation they have done this to others. XXXX XXXX check the reviews im not the only person this has happened to. XXXX XXXX XXXX
Consumer complaint received 2019-09-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

XX/XX/2019 JP MORGAN CHASE XXXX XXXX XXXX XXXX OH XXXX To whom it may concern : Based on recent correspondence from Chase, I have discovered that Chase through their attorneys, XXXX XXXX XXXX, have mailed documents to addresses that do not belong to me, XXXX XXXX. These addresses belong to former attorneys that I retained in prior years. It may be true that during their representation, these attorneys asked that mail be directed to them. However, at this point in time, these attorneys do not represent me, and they are under no obligation to notify me of any hearing or legal issue. Therefore, I immediately request that you ( Chase and/or XXXX XXXX XXXX ) refrain from sending documents intended for me to other addresses. All correspondence should be properly be addressed to me at XXXX XXXX XXXX XXXX XXXX GA XXXX. 

Second, it has also been brought to my attention that Chase through their attorneys, XXXX XXXX XXXX, have been sending mail to my home for Occupant. According to a recent investigation by Chase Executives, the letter addressed to occupant contained important documents that I needed to complete in order to reside in my home after foreclosure. I am not the only person reside here, but I am on the mortgage. A document this important should have been addressed directly to me. There is no telling what has happened with this letter or even if it was delivered to my home. There continues to be an ongoing issue with the Postal Service regarding mail, which I have yet to see results. Therefore, I immediately request that you ( Chase and/or XXXX XXXX XXXX ) refrain from addressing mail as Occupant or Resident. I immediately request that all mail be properly addressed to me and bear my name, XXXX XXXX. 

Third, XXXX XXXX and I have been divorced for many years. He does not receive his mail at XXXX XXXX XXXX XXXX XXXX GA XXXX, which is where I reside. Nor does he receive mail at any of the other addresses of my former attorneys. I immediately ask that you ( Chase and/or XXXX XXXX XXXX not send any document to my home, which is intended for XXXX XXXX. I ask that you ( Chase and/or XXXX XXXX XXXX use another method, other than my home address, to communicate with Mr. XXXX. In addition, I ask that Chase refrain from providing Mr. XXXX with my personal details including but not limited to RMA application, status and etc. 

Because of how critical my situation is and the need to maintain adequate contact, I ask that Chase respond with an acknowledgment that they will adhere to all of my aforementioned requests by Friday, XX/XX/2019. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I have a HSBC Credit Card.My Card No. is - XXXXMy Credit Card due was Rs. XXXXDue to my bad financial condition I was unable to pay the dues.On XXXX a person from HSBC Bank came to my office and threatened me about the dues.He forced me to give Rs. XXXXNow, After that, I have informed the bank that, I need settlement due to huge financial problems.HSBC / Agency continuously called my office landline number.Yesterday, I have got warning from HR in my office that if any further phone from bank will happen then I will loss my job.Now, tell me sir, I work in a private company.After loosing my job I will not be able to pay the outstanding dues of HSBC bank.I wanted for settlement.But, they refused.I am helpless.
Consumer complaint received 2019-09-24
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Home Point Financial Corporation (CA)

On XX/XX/XXXX I was laid off from my job. Having trouble finding work I applied for Unemployment Mortgage Assistance through Keep Your Home California. I was approved a few months later. I did not find employment until XX/XX/XXXX. This gap in employment put me in a big financial hardship. When I called Keep Your Home California to inform them I had started a new job they informed me that I still had 3 months of assistance and if I wanted to use tit. I of course said yes since I didnt have enough time at my work yet to make my mortgage payments. This would have meant my first payment would have been in XX/XX/XXXX. 

In XX/XX/XXXX I received a letter from Home Point Financial my mortgage company that they did not receive payment for XXXX. So I immediately called Keep Your Home California and the person who help me over the phone said that they made a mistake and my assistance actually ended in XXXX. I now was behind one month of my {$3600.00} mortgage payment. I immediately paid my XXXX mortgage and began to save up and cut expenses so that I can pay the amount I was behind. When i called Home Point to tell them what happened and the operator said they would have a manager call me to arrange some assistance to give me time to pay the balance that was not paid. I never got that call. I continued to pay my monthly mortgage of {$3600.00} I called the customer support line again in XX/XX/XXXX and the agent was supposed to split the missed payment into 4 different payments each month in addition to my monthly mortgage so that I may be able to pay it without having any negative reporting. This didnt happen either. I called again in late XXXX - early XXXX and the agent helping me said that they did not see any notes of my previous call or arrangement and that all they could to is split up my payment in 2. I agreed to this as well. But before my next payment I was able to save enough money to pay the balance in XX/XX/XXXX. 

I ended up paying {$7300.00} which is a large amount of money for my family and I. Since I am the only bread winner it took longer than anticipated to come up with that amount of money. What i was not aware of that my payment in XXXX was actually to cover XXXX and all my payments from XXXX - XXXX were always for the previous month making me have multiple months late and it affecting my credit report immensely negatively.
Consumer complaint received 2021-04-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (TX)

I received a lawsuit by my local court stating that I was served by alternative means via mail and by leaving summon papers by the door on a debt owed but I did not receive anything other than a copy of someone else 's lawsuit that was placed by my door. This is a poor tactic to get the court to say they have served me and now I have a court date on XX/XX/2021. This is not right.
Consumer complaint received 2019-05-01
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. (FL)

Greetings, I have been fighting all three reporting bureaus in regards to them reporting on my credit file three accounts that has nothing to do with me whatsoever. They are reporting two accounts with first XXXX XXXX credit card, which I never applied for and also XXXX wireless which was discharged in my bankruptcy in 2013. I was not living in the country and I have submitted proof of my passport with visas stamped showing the month and year out of the country and returning in the country as well. This is getting very frustrated and unjust in the part of these reporting agencies that are abusing citizens. They are the main one allowing for customers to be scammed, being taken advantages of by selling our information and not protecting men and women. They also are reporting a bunch of inquiries on my account, however I was able to remove all from XXXX but XXXX and Equifax are the worst reporting inquiries that are fraudulent and when again I was not in the country for several years due to medical issues. I need your help please, even on making an action lawsuit against these companies please.
Consumer complaint received 2023-01-27
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. (AL)

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. 15 U.S.C 1681 section 602 A. States I have rights 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 2023-03-22
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. (NC)

Hello, I called the creditor ( XXXX XXXXXXXX ) about 3 unauthorized inquiries. They said that they informed the 3 credit bureaus to remove the inquires and its been past 90days and they haven't. I called and got NO HELP. The dates are XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-03-22
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. (PA)

XXXX High Balance : {$1200.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX Payments late : Late 30 days
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I contacted Equifax on XX/XX/XXXX about some items that was incorrect on my credit report. Equifax sent me a letter back stating that they didn't have a credit file for me. I do have a credit file I have an auto loan and credit cards. This hurting my credit score. I am attaching the information that was sent to equifax on XX/XX/XXXX, along with my driver license.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, 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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I received a strange phone call from a company with the phone number XXXX. The gentleman XXXX was explaining to me that he was from some law offices that represented Bank Of America and that Bank Of America was trying to sue me because I had an outstanding credit card balance from like 10 years ago And I didnt know what he was talking about but it was interesting because he had all my information from my name to my date of birth to my Social Security my account number, and I kept asking him what he was talking about but he wasnt really that helpful. I called the bank back And when I spoke to one of the managers, I was told that they have no idea what I was talking about and that it sounded like this was a scammer. However, I did not share any of my information with them. I was just surprised that they had all my information, and that all my information was accurate.
Consumer complaint received 2019-05-01
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (PA)

Ocwen Loan Servicing, LLC sent correspondence entitled " Friendly Reminder Notices '' to my wife and I dated XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( see attached ) ; however, during this time, we were set up on direct withdrawal from our joint checking account in which two ( 2 ) payments each month ( in order to pay the Mortgage sooner ) were auto-deducted from our joint checking account and paid directly to Ocwen Loan Servicing, LLC.  Through correspondence dated XXXX and XXXX from a company called " XXXX '' offering to provide loss mitigation assistance ( see attached ), it appears that Ocwen Loan Servicing, LLC reported our mortgage loan as delinquent to this and or other companies. Again, our mortgage was paid twice per month through auto-deduction from our joint checking account. Ocwen Loan Servicing, LLC sent correspondence purporting to be a past due notice dated XXXX ; however, again, our mortgage was paid twice per month through auto-deduction from our joint checking account.
Consumer complaint received 2023-03-22
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-03-22
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. (CA)

I have been subject to identity theft. I have a hard inquiry on my Equifax credit report that does not belong to me. It is from XXXX XXXX XXXX which makes me think it was for a XXXX store card application. I have never been to this store before. I explained this to Equifax by filing a complaint but they wrongfully concluded that this was my inquiry. I called them but they were unwilling to help. The person on the phone got defensive and didnt explain what I needed to do until I told them that I will take them to small claims court if they dont point me in the direction to prove that this inquiry doesnt belong to me. When I said that, they told me to file a police or an FTC report. I have also frozen my credit reports on all three credit bureaus. This fraudulent XXXX inquiry cost me a credit denial because the lender I actually applied to thought I have been seeking credit recently which is how I originally found out about it.