davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (OR)

contacted XXXX XXXX, [ XXXX XXXX/cardinal financial ] regarding mortgage re-fi. he promised a cost free loan fixed at 3.50 % 30 yr. loan. he promised out of pocket fees, tittle and escrow, would be at max {$5500.00}, and the loan would be exactly what was to pay off bank since then, XXXX [ XXXX ] and XXXXwo girls from cardinal financial, XXXX XXXX and XXXX XXXX have very cleverly added {$3000.00} or so the cost of the loan. there has been dozens of excuses, mostly from XXXX regarding the increases. each day, a different excuse. I`ve told both companies that the payoff was wrong over and over and the out of pocket cost went from {$5500.00} to {$8000.00} to {$4900.00} to todays {$7300.00} and just within a couple of hours down to {$5800.00} very cleverly. different excuses every day mostly from XXXX as usual. but todays excuses were brought up by the new girl XXXX XXXX, where she came up with new escrow fees, interium interest fees, and interest rate charge fees. none of these I had ever herd before. always a new excuse. what happened to the no cost loan? I understand the appreisal, escrow, and tittle fees are my out of pocket fees, but the rest is a poorly designed scam to change a cost free loan to a high cost loan. please help ... XXXX
Consumer complaint received 2021-04-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P. (FL)

Im in the process of trying to get a house and was trying to pay off my debt and have it removed from my credit so when I reached out to paramount to do that I did a settlement and afterwards they informed me that its to late to have it removed if I didn't pay it in full at the time being which should have been disclosed to me before I did the settlement and closed the account now after reaching out about it, the representatives say their is nothing that can be done.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AL)

Department of Education/XXXX opened XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX have all been refinanced but showing inaccurate payment history and should be deleted after 7 years off my file since the account is closed. If the closed account includes negative information that's older than seven years and I would like it removed from my credit report.
Consumer complaint received 2022-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

Submitted a request for a loan refund on XX/XX/2022. Was quoted 4-6 weeks for the refund. Currently on week 7 with no updates on status of my repayment. Website does not reflect a change in balance and no money has made it to my account.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (TX)

On XX/XX/XXXX I submitted a request to opt of LexisNexis reporting via the online opt-out form XXXX XXXX XXXX. As of XX/XX/XXXX I have not received confirmation that my request has been processed. It has been 41 days since the request was submitted, well over the 30 day SLA promised by LexisNexis. See attached photo showing confirmation that my request was received by LexisNexis on XX/XX/XXXX.
Consumer complaint received 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

My complaint is against BEST BUY/CBNA, account info : BESTBUY CBNA ac # : XXXX XXXX XXXX XXXX XXXX XXXX under XXXX XXXX, date open XXXX, balance {$0.00}. Back in XXXX the mentioned company mark my account with a XXXX late payment for a {$40.00} annual fee which I didnt even know I had to pay and in any case that annual fee was supposed to be paid automatically. I see this as an unfair business practice from the mentioned company and I want the late payment to be removed as soon as possible. I found out about this issue when my mortgage company has on hold a {$300000.00} home loan which they dont want to approve until this account has been corrected. I already gave a {$10000.00} deposit for the property. Im asking in a respectful and reasonable way to please remove that late payment for an annual fee from my reports as soon as possible. In the event that this does not happen I will take legal action on this issue.
Consumer complaint received 2022-11-17
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. (MD)

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 2023-02-10
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NJ)

I have been disputing a chapter XXXX bankruptcy being disputed on my credit report. The court ID and plaintiff are not reported correctly. I have asked over the past several years for this information to be removed from my credit report, but it has not been. Also, it has been over 7 years and the bankruptcy still shows on my XXXX and XXXX reports.
Consumer complaint received 2023-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southern Management Systems Inc. (FL)

An eviction was filed against me by XXXX XXXXXXXX XXXX in XXXX and that eviction was dismissed via XXXX XXXX XXXX XX/XX/XXXX I have supplied the proof of dismissal to the 3 credit bureaus and this item is still being reported on my credit report despite the information being inaccurate. I have attached the court records which state the item was dismissed with a XXXX  balance. This debt is negatively affecting my ability to attain credit. I have called and requested that someone call me from the agency and they refuse to resolve or remove this item. They continue to call me asking for someone else and when I explain that that person does not have this number and explain I requested a call back I am told that my account is still under review. I was told my original dispute was received in their office XX/XX/XXXX and to date it is sill under review????
Consumer complaint received 2021-04-19
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)

Im a victim of identity theft! I sent in a police to Equifax and XXXX!! Explaining this! The account from XXXX XXXX XXXX does not belong to me. 
XXXX XXXX XXXX XXXX does not belong to me!! I live in a dorm room with a college Scholarship
Consumer complaint received 2019-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (PA)

Navient, whom I don't know, have called many of my neighbors, who I barely know, asking them for contact information on me because they are trying to collect on a student loan. They leave the phone number XXXX for m neighbors to call them back with this information. 

They are basically telling strangers about my business that is none of their business. My student loans were never with a company called Navient.
Consumer complaint received 2019-09-22
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. (CA)

On XX/XX/2019 I sent a consumer dispute to all 3 major credit bureaus requesting section 609 They failed to positively verify the accounts that are hurting my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, they must remove the accounts. They never sent me proof and continue to report theses adverse accounts. I followed up after no action on XX/XX/2019 and requested for verification and that never happened. The accounts are still reporting and no answer to why.
Consumer complaint received 2019-07-03
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 many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BMO Bank, N.A. (CA)

Credit card company denied charge back on the purchase of a pet food supplement. The product did not match the description on the website. The credit card company demanded written testimony from an expert ie veterinarian or pet food store stating that the product was not as described. This, despite my providing proof that the description on company website differed from the fact sheet that was included in the actual product.
Consumer complaint received 2016-08-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (NJ)

XXXX XXXX XXXX sold our Mortgage to Freedom Mortgage, and did not notify us. All payments submitted to XXXX XXXX have not been transferred to Freedom Mortgage, nor have they been returned to us. This is the XXXX time the mortgage has passed different hands within the last 12 months. The XXXX XXXX mortgage companies did not have my telephone number, nor did they have the correct address. 

Mortgage Payments were sent to XXXX, for the months of : XX/XX/XXXX ( Forwarded to Freedom ) XX/XX/XXXX ( Forwarded to Freedom ) XX/XX/XXXX ( Not forwarded, and not returned to borrow, and not rejected ) XX/XX/XXXX ( Rejected by XXXX ) XXXX, the XXXX lender, had sent us notification that our mortgage would be changing hands to XXXX, to the correct mailing address. However, later no correspondence was received from XXXX XXXX or Freedom Mortgage. 

We found out of this change, after our payment was rejected by XXXX XXXX, and I viewed my credit report to find Freedom Mortgage. XXXX XXXX is now claiming they do not have our payment for XX/XX/XXXX, however, we have bank transaction records stating the XX/XX/XXXX payment was accepted by XXXX XXXX, and never returned back to us.
Consumer complaint received 2019-07-03
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. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 


XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXXXXXX
Consumer complaint received 2019-07-03
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. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 


XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-02-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Manley Deas & Kochalski LLC (IL)

This company has literally send me a correspondence letter as of XX/XX/2020 threatening me. As I do believe is a threatening. 

I have communicated with loss mitigation department not so long ago las week and I spoken to a guy and told him about my situation and concerns, I also told him That it was my priority to keep my home and that I was very sorry that at this time I was going through a tough situation as I am a Victim of fraud and the process ins delaying a little longer than expected but will soon be all finished and resolved in the name Of God because this is very stressful and all I care about is my home and to keep making payments to my home and avoid any demand letters or legal problems and it is my priority to keep my home and get Caught and current as soon as this mess finishes as soon as this fraudulent activity finishes and Its investigations is all clear and done. And for the bank to credit me The remaining amount to my account ASAP. 

Stop The threatening as is no good for my health as Im already a senior.
Consumer complaint received 2015-12-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NJ)

I got a XXXX prepaid wireless plan some years ago. Somehow without me signing or agreeing to a contract XXXX Switched my plan to a post paid account and put me into a contract and has been trying to collect money not owed to them. I paid my last bill in-full before switching to another phone carrier. They have put this on my credit I have complained they have removed it but subsequently sold the account to another collection agency called I C System Inc. I would like this removed immediately. There is no executed agreement between myself and XXXX.
Consumer complaint received 2021-04-19
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 would like to be contacted via email, phone call, or my P.O. Box. Chase Bank credited me in XX/XX/2021 for {$390.00} and some change. The case was closed after I provided evidence that could not be disputed. This Merchant has made mistakes before and the cancellation policy has NOT prevented me from being credited before because the liability was on the Merchant. Two weeks ago in XX/XX/2021 Chase Bank unlawful took {$390.00} and some change out of my bank account. I want Someone federally prosecuted for reopening this case without calling me and emailing me proof and taken {$390.00} and some change out of my bank account. People are obsessing over my private belongings and need to be arrested immediately without excuses. Thank you!
Consumer complaint received 2019-04-25
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. (IN)

I have contacted Equifax multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Equifax in regards to an account listed on my credit report as XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Equifax, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Equifax and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, XXXX  was reporting an open date of XX/XX/XXXX however Equifax was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Consumer complaint received 2022-12-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-11-17
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.