davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-26
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (TX)

We had a burglary in our office resulting in a number of money orders ( 7 ) being stolen. The stolen money orders were from 3 different companies. XXXX XXXX is the only company that we are filing a complaint with. A police report regarding the burglary was filed on XX/XX/2021 and provided to XXXX XXXX as part of our evidence. The stolen money orders were made payable to our apartment property XXXX XXXX XXXX. We were able to place stop payments on money orders issued by other institutions but we were unable to do so with XXXX XXXX. Three money orders issued from XXXX XXXX were subsequently cashed. We paid a fee to XXXX XXXX for copies of the paid money orders and upon receipt we noticed they were clearly altered. I spoke to a XXXX XXXX representative who provided me information and forms I would have to submit for an alteration and forgery claim. Our documentation was sent by certified mail on XX/XX/2021. When I did not receive a response or acknowledgement from the company, I wrote a subsequent letter XX/XX/2021. This letter sent by certified mail was also ignored. 

To this day I have yet to receive an acknowledgment, phone call or any other form of communication from XXXX XXXX.
Consumer complaint received 2021-04-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CO)

I am having a financial hardship due to COVID-19. I Requested a FHA COVID-19 Forbearance for my loan payments, but did not get a reply regarding the FHA COVID-19 Forbearance UCC 1-308 All Rights Reserved
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma (CA)

I use the Credit Karma app on my iphone because I am trying to rebuild my credit. one of their suggestions/promotions is to apply for a personal loan and they have several to choose from. I saw one and only one that I started filling out the loan app where Credit Karma sent me. At some point, I reconsidered, ( didn't want more credit, want LESS ) so I changed my mind and left the site and got out of the CK app. 
Can't remember what day I did this but it was around XXXX XXXX, 2022. On Sunday, XX/XX/XXXX, I received an email from XXXX XXXX ( Or XXXX XXXX-it 's very odd ) entitled " Credit Decision Notification ''. I was certainly surprised since I had NOT COMPLETED nor SUBMITTED the app. 
I contacted both Credit Karma and XXXX XXXX. I was told by XXXX XXXX that the Referral Source ( ie, Credit Karma ) sent my loan request to potential creditors and they were but one. They deny any responsibility for receiving the app and I agree. Credit Karma has not given me a straight answer to this question and I think it is one that all consumers who use their platform will be interested in knowing the answer : HOW DID MY UNCOMPLETED APPLICATION GET SUBMITTED WHEN I DID NOT DO IT??? 

Credit Karma gave me a case number on Monday after my first email but since then I have gotten nothing but what appear to be form letters. None of them answer me as if they really don't understand my question. 
My case number is XXXX. 

I have screenshots on Credit Karma that show I did not complete my search. If I can attach them here, I will. 

Again, I DID NOT complete the loan app and I did not submit it.
Consumer complaint received 2021-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (CT)

My mortgage company CrossCountry Mortgage is supposed to pay for my NCIP flood insurance policy from my escrow account. They failed to do this, claiming that NCIP never sent them a bill. They never received a bill because they never provided the correct billing address to my insurance broker. Since my flood insurance policy was about to elapse on XX/XX/XXXX, I paid the renewal for {$1400.00} out of pocket and provided proof to my mortgage company that I had paid it on XX/XX/XXXX. I have demanded the mortgage company to reimburse me for this amount from my escrow account multiple times and they have not reimbursed me. The first time I had called them on XX/XX/XXXX, they told me I would get a check in approximately 15 days once they received the proof of insurance. When this did not happen, I called them again and they told me they would not reimburse me until XXXX. This mistake is not my fault. The mortgage company was supposed to pay my flood insurance policy in the first place and I can not wait this long to receive the reimbursement.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (MS)

I disputed this on XX/XX/XXXX JPMCB - CARD SERVICES JPMCB - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX and they didn't respond to me at all. I asked them to remove themselves off of my credit report. Since they didn't send me any validation. I wrote them letters and mailed to them ... and I guess they ignored me. 

XXXX XXXX is the same... they ignored me. They won't send me any validation to let me know if this is correct. I had to call them and I attached the TTY transcript, it showed that they promise to send me validation in the mail. 
I told them that the date of birth isn't mine. And I have never applied in Mississippi in XXXX to get credit card from them.
Consumer complaint received 2021-09-24
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MI)

Over the course of several years, approx XXXX - XXXX, I repeatedly tried to enter an Income Based Repayment plan for my student loans with Fed Loans. I would contact customer service, fill out forms and send in my applications and never hear back. Eventually, I was able to successfully enter into an agreement. Additionally the pandemic has put accounts on hold. 

My problem is that my account shows missed payments over XXXX and XXXX, which are inappropriate because I was in contact with my lender and repeatedly submitting the necessary documents for an IBR plan. It is severely impacting my credit score as there are multiple accounts, due to multiple disbursement dates. There are 10 accounts, each reporting 2 missed payments of 90-119 days late, and 1 missed payment of 120-149 late - totaling 30 severely delinquent payments. 

I filed a credit dispute with Fed Loan during XXXX and received a response that my accounts were in good standing because of the pandemic hold. This did not address the account issues I was disputing in XXXX and XXXX.
Consumer complaint received 2022-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have got in the hands of the wrong person.
Consumer complaint received 2022-02-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXXXXXX XXXX XXXX XXXX days late in XXXXXXXX XXXX, XX/XX/2021, and XX/XX/2021. 

XXXX XXXXXXXX XXXX XXXXXXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this XXXX XXXX a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-01-26
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. (FL)

I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an XXXX loan to get my small business off the ground. Your company has hurt my ability to obtain credit. 


the following inquiries : XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX XXXX, XXXX )
Consumer complaint received 2022-01-26
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 was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an SBA loan to get my small business off the ground. Your company has hurt my ability to obtain credit. 


the following inquiries : XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX ( XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX XXXX, XXXX )
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (PA)

To whom this may concern, my name is XXXX XXXX, and I am writing this statement on my behalf of myself. I have recently discovered that I am a victim of identity theft, and my information was used without my consent. I was a victim of identity theft and seemed to be targeted again. The following accounts/inquiries have been added to my report without my knowledge or consent, and I am requesting for them to be removed 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 XXXXXXXX
Consumer complaint received 2022-01-26
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: Experian Information Solutions Inc. (AZ)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will take action due to the stress you caused me. My information was also may have got into the hands of the wrong person
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Dear XXXX please remove the block and the exstended fraud alert from my credit report, I never gave you Permission to but a block on my report or the extended fraud alert on my file, remove all blocks and fraud alerts on my file. Cease and Desist from reporting any thing that I do not give you permission to do. Remove it immediately
Consumer complaint received 2021-07-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (PA)

The creditor/ " debt collector '' has failed to adhere to Section 809 ( a ) ( 1-3 ) within the Fair Debt Protection Act, stating that within five days of initial communication the creditor/ " debt collector '' is required to send the consumer written notice containing : -The amount of the debt, -The name of the creditor to whom the debt is owed, -A statement that unless the consumer, within 30 days after receipt of notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

I have since made them aware of their violation and have proceeded to ask them to validate the account as outlined within Section 609 of the Fair Credit Reporting Act. With failure to send back proof including a signed application within 30 days of request, the creditor/ " debt collector '' has violated my rights and is required to remove the alleged debt.

Please remove the alleged debt for the credit/ " debt collector '' has violated my rights
Consumer complaint received 2023-08-21
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: LEXISNEXIS (CA)

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. Has Violated my rights. 

XXXX. Account Name : XXXXXXXX XXXX  / Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX / Account # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXXAccount Number : XXXX Has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (NY)

The company mailed me blank pages. I still did not receive the free credit report. Lexis Nexis lied in their statement below. 

" In response to XXXX XXXX complaint filed with your office, LexisNexis was able to process XXXX XXXX 
XXXX request. Based on the information XXXX XXXX provided in her complaint, LexisNexis mailed a copy of her LexisNexis Consumer Disclosure Report on XX/XX/year> for her review. ''
Consumer complaint received 2022-01-26
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. (NY)

Hello I am writing because I am having continuous issues with the three credit bureaus and my credit report. I have sent numerous letters to the credit bureaus and I have even submitted a few complaints with CFPB and I am now submitting this complaint again and a complaint with the FTC. On XXXX, Equifax, and XXXX they're reporting XXXX XXXX accounts that are in violation of 15usc 1681e-d. These companies like to get away with whatever they want. I have sent numerous letters to the credit bureaus and the only thing that portfolio will send me is a bill that is not validation of a debt. They have never provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX XXXX That means I have no contractual agreement to pay them an alleged debt. I am also writing here because XXXX XXXX agreements is reporting an account as an installment account and it is a sales agreement please delete this account from my report immediately, thank you.
Consumer complaint received 2016-08-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (CA)

Aggressive sales pitch and misrepresentations for a jumbo purchase money loan by Citibank 's loan officer, XXXX Sun, XXXX # XXXX which resulted in a declined loan with lower counter offer than originally approved for, higher pricing and fees than promised, and numerous mistakes in documentation causing late closing of escrow.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NC)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT CITI XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Secured credit card Credit line secured - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XXXX XXXX XXXX Balance : {$240.00} {$240.00} {$240.00} No. of Months ( terms ) : XXXX XXXX XXXX XXXX XXXX : {$310.00} {$310.00} {$200.00} Credit Limit : {$200.00} {$200.00} {$0.00} Past Due : {$240.00} {$240.00} {$240.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XXXX XXXX XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. Unpaid balance reported as a loss by the credit grantor. Charged off account Accounts closed by credit grantor Date Last Active XXXX XXXX XXXX XXXX Date of Last Payment : XXXX XXXX XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PS!

THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!