davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX SS XXXX I have some issues with someone using my name and information to open up accounts cable and utilities. I have addresses on my credit report that are not mine. Never lived at theses address it is possible that they belong to a EX or family member. I have a common name and I am a XXXX. The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2018-03-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (GA)

Since XX/XX/2017 I have been working to get a modification or temporary forbearance since I was out of work due to an injury. I have faxed over the same documents at least 20 different times. They continue to say they never received it, the document is cut off, or its outdated. After months of this I finally got in touch with someone at the corporate level. Submitted my documents along with a letter stating when I would return to work. I waited a month and received a letter stating I would not qualify for forbearance since I was no longer unemployed and I would not qualify for modification since I didnt have sufficient wages. I returned to work making the exact amount I was making when I qualified for the house. $ XXXX year. The letter also stated that they would proceed with foreclosure. I dont know what to do. I didnt plan on breaking multiple bones but Im back at work Now and they refuse to work with me.
Consumer complaint received 2023-01-09
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2019-09-18
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: Experian Information Solutions Inc. (FL)

The accounts are not belong to me. I do not know why are they on my credit report. I have never had a business with these company. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
Consumer complaint received 2019-04-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Security National Financial Corp (TX)

On XX/XX/2019 my husband and I signed a contract to close on a home on XX/XX/2019. We had been pre-approved by the lender ( SecurityNational Mortgage Co. ), signed and submitted all documentation needed to process our file, and made all payments to include : earnest money ( {$2400.00} ), appraisal fee ( {$620.00} ), option fee ( {$100.00} ), and home inspection fee ( {$320.00} ). On XX/XX/2019 at approximately XXXX XXXX, I received a text message from my loan officer stating " Hi XXXX- I am working on this but at this point your closing is going to be delayed. I am sorry to share the news, buy, I'm working hard to still get you to the finish line. Question : do either you or XXX have a family member that has a credit card that the two of you could be added as an authorized signers to in an effort to quickly generate a credit score for XXX ''. We were never told we were " denied '' what the cause of delayed closing was, and what are next steps were. We wasted over {$3500.00} of our money for this mess to happen and not only are we owed an explanation but we want our money back. I have all the emails and text messages that clearly state we are " good '', " on track '', " moving forward '' then a day before closing everything comes tumbling down and we are left in the dark. The loan office won't even give my realtor information as to what happened and why. I feel this could have all been prevented but the loan officer was on a weeks vacation the week of my closing and she did not properly handle her part.
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have two credit cards with Capital One since XXXX and Have been charged {$63.00} on XX/XX/XXXX, for interest charges on a XXXX XXXX card ending in XXXX which has a balance of {$3000.00} and also i have been charged {$23.00} on XX/XX/XXXX for interest charges on XXXX XXXX ending in XXXX which has a balance of {$1500.00}. I called the customer service line XXXX-XXXX-XXXX-XXXX  as their website does not have the ability to dispute interest charges or communicate online with customer service. I spoke to Manager/Supervisor XXXX ID # XXXX and she stated there was nothing she could do to reduce this high interest rate even though i have an excellent payment record and excellent credit history the interest rate of approximately 22 % on both cards. I advised that i would be filing a complaint with the CFPB an agency of the Federal Government. I consider these interest rate practices predatory and would appreciate a review of this practice from the inception of my credit cards in XXXX and am requesting a refund of all this excessive interest they have been charging on these cards.
Consumer complaint received 2023-01-08
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: EQUIFAX, INC. (NY)

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 ( Original Creditor : XXXX XXXX XXXX ) : XXXX, XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) : XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX, XXXX  : XXXX, XXXX : XXXX, XXXX : XXXX, has violated my rights. 

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 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.

Also, each account has error and inaccurate information in each category : Date opened, Last reported, Date Last active, and Date of Last Payment. All accounts needs to be deleted.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: New Mexico Educational Assistance Foundation (NM)

This is in response to New Mexico Educational Assistance Foundation and the inaccurate reporting of information on my personal credit reports. This information is being reported as a new negative and has re-aged the account. When looking through the report you can clearly see the errors being reported by NMEAF. 
Upon asking NMEAF to correct some payment status information on my XXXX report they reported that a claim was filed with Government in XX/XX/XXXX and XX/XX/XXXX. This is why the accounts have had the timeline re-aged. The account should fall off from first date of delinquency that lead to the default which would have XX/XX/XXXX has the removal date or age off date. The date claim was filed with government was several years ago and in that fact alone they are reporting inaccurate information. I have filed disputes to update this information with the credit agencies to no avail. I have also been in contact with the Creditor NMEAF and have provided the information needed to fix the errors. 
They have responded that the information is accurate. So despite providing all this information they choose to ignore the errors being reported. If these errors can be fixed than they need to remove the account completely from the reporting agencies as this is hurting my credit report and is causing emotional distress. 

They have failed to resolve the issue so I ask that the Consumer Financial Protection Bureau step in and resolve this matter as this has gone on long enough with disregard to FCRA 15 U.S.C. 1681. 

Thank you, XXXX XXXX
Consumer complaint received 2019-04-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (IL)

Was in the process of refinancing my home when my credit report was pulled and I was advised of a collection on my account from XXXX XXXX XXXX XXXX XXXX XXXX. I was told there was a balance of {$190.00} owed. InXX/XX/2016, XXXX advised me that did not receive a piece of equipment after I closed my account with them. I advised them that the equipment was turned into them by their technician when he came to my home. I explained this to the company and told them the tech scanned the equipment in and told me a receipt was not issue because the cable box was being discontinued. I did not hear anything else nor did I receive anything else until I saw this had been reported on my credit 1 week ago. I reach out to Credit Management ( CREDIT MGMT XXXX XXXX XXXX, XXXX, TX PHONE ( XXXX ) XXXX ) who now own the debt. I asked them if the balance was paid would they remove this from my credit as I was never made aware that this had occurred. I was told yes. I paid the balance so it would not hold up my refinance and was then told by Credit Management that they wouldn't delete it from my credit by would say I paid it. I think this is very deceitful. I am/was trying to do the right thing were most people wouldn't and this organization lied to fill a quota. Please help me resolve this. Thank you
Consumer complaint received 2019-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CO)

MIDLAND FUNDING LLC promised me that if I went with their service, they would pay off my credit card, take a small payment every month, and nothing would show up on my credit report. I made EVERY payment through autopay without issue. In XXXX, the debt MYSTERIOUSLY showed up on my credit report. Every time I called, I'd spend hours on the phone being transferred from one call center to another without any help. The call center in XXXX would berate me, one man even told me " women can't handle their money! '' and hung up on me. Meanwhile, they were falsely reporting the debt amount and that I missed a payment on my credit. 

To make it go away, I paid the amount in full and was told that the debt collection would be removed from my credit report. It hasn't been. 

I have asked them numerous times, called countless times to rectify this. They do not help me and I end up in the XXXX call center even when I ask for domestic. The men in the XXXX call center blatantly discriminate against women and have insulted me several times. 

Meanwhile, I've paid this off in full to XXXX balance. 

This company has no integrity, and I'm very angry they continue to report fake numbers on my account and mar my credit despite my paying every payment on time without issue.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Back in 2022 I and my son traded in our XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX. The dealer was supposed to pay the vehicle off to XXXX XXXX. 

In XXXX, I get a call from XXXX XXXX that I am 30 days late because no payment was made. I call XXXX to figure out what's going on, and they admitted they never paid off the vehicle like they are supposed to. According to CA Veh Code 11709.4 ( 2022 ), a dealer only has 21 days to pay off a trade in. If I turned in my vehicle on XX/XX/XXXX of 2022, there was no possible way for me to be 30 days late in XXXX of 2022 as the vehicle should have been paid off in XXXX. 

I then spoke with XXXX XXXX and told them I traded in my vehicle on XX/XX/XXXX of 2022 and I even sent them a copy of the paperwork proving so. I asked them to speak with XXXX as well since they were the ones who were supposed to pay this. 
I don't remember exactly what happened or how it happened, but eventually the loan did get paid. It was too late for me and my credit, however. 

I spoke with XXXX to see if they could remove the 30 day late payment since this wasn't my fault. They didn't help me or fix anything. They just kept giving me excuses. I have spent over a year trying to fight with them and XXXX to help me fix this, but no one helps me. I just think its sad that I have to suffer the consequences for something I had no control over or was my fault. When you trade in a vehicle at a dealership, you do so in good faith and under the expectation that they would pay the vehicle off in a timely fashion. I have no way of knowing that they would violate California law and not pay off my loan until after I have been damaged and they have to be called out on their tardiness. 

Please help me as I do not think its right I should have to suffer a blemish on my report for 7 years when it was not my fault.
Consumer complaint received 2019-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2019-04-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (AZ)

I'm in the process of withdrawing my pension funds.I 'm a former Citibank employee my date of separation was XX/XX/XXXX. 

I've had conversations with the benefits department from XX/XX/XXXX up until today XX/XX/XXXX.I was continually told that I would not be able to have the funds until XX/XX/XXXX at the earliest. 
Each time I explained to the representative that this is a financial hardship and that I need the funds as soon as possible. I also asked numerous times from XXXX the representative I spoke to today XX/XX/XXXX why does it take 30 days? XXXX responded by saying it takes that long to process and again I said to her I know it does not take that long. Once it's reviewed it can be submitted for payment, still no answer, just that's how long it takes as per XXXX in the benefits department. 

I'm at a point where I need whatever help you can give me to get these funds transferred. I returned my pension kit this afternoon at XXXX Arizona time.
Consumer complaint received 2019-04-13
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. (CA)

On XX/XX/XXXX XXXX XXXX notified me that when we transferred our cell phone service from their consumer department, to their corporate department after formation of my small business, that we had a small balance due. I never received a final bill for the consumer account and was unaware that a balance was due on it. I immediately made a payment of {$180.00} and asked the representative if they would remove the negative reporting from my credit reports. The representative who took my payment confirmed with their supervisor that they would completely remove the collection account from my credit reports, not just update the status to a paid collection. I have disputed this account with the credit bureaus and they refuse to remove it from my report
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (NV)

Experian keeps sending me letters claiming they can not identify me and requiring that I re-submit all the information I have already sent. Clearly they do not want to do anything but ask for information they refuse to accept. 

Included in the pdf file to be attached is a copy of my reply to the letter received in today 's mail ( XXXX ) and the documents resubmitted to them by mail on XXXX responding to their letter to me received that date.