davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (VA)

Quicken Loans is using inaccurate information to compute my escrow payments. The XXXX payment for property tax on my home was {$3800.00}, paid by Quicken Loans from the escrow account in XX/XX/XXXX. 

An escrow account analysis performed in XX/XX/XXXX claimed the XXXX property tax payment estimate to be {$8700.00}, more than double the XXXX property tax. 

I spoke with the person in the XXXX XXXX County Treasurer 's office about the estimate for property tax being used by Quicken Loans and he stated that my property tax would not increase anything like the amount Quicken Loans is using in the escrow analysis and that the XXXX taxes could increase 1-1/2 to 2 percent. 

I spoke with a person at Quicken Loans about the escrow analysis and she stated that the projected XXXX property tax information came from the XXXX XXXX County Treasurer. The person I spoke with said it is unlikely that his office provided the estimate to Quicken Loans. 

On XX/XX/XXXX, I wrote a Qualified Written Request and Notice of Error to Quicken Loans at the address they provide for disputes or errors. I identified the error in the escrow account analysis, requested they change the analysis, and also requested they provide the source of the information being used for the XXXX property tax estimate ( Request for Information ). 

I failed to receive an acknowledgement of my letter and still have not received a response to my letter from Quicken Loans. 

I am continuing to make payments in accordance with the faulty escrow account analysis results.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MT)

I pay Equifax for a credit service. I can not ever log in. It keeps directing me to call their support center every time I try to log in. I get some agent in a foreign country who can not understand me or speaks in a way I can not understand them. They fiddle around with emails and other nonsense. They say they are going to get me to a higher level support. I get a survey. Then they disconnect the call. 

Does the federal government actually regulate anything? Really, the way this company is allowed to do business could be unlawful.
Consumer complaint received 2022-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Marauder Corporation (SC)

1. XXXX XXXX XXXX, XXXX, {$1500.00} 2. XXXX XXXX XXXX, XXXX, {$1200.00}. 
3. XXXX XXXX XXXX, XXXX, {$340.00} 4. XXXX XXXX XXXX, XXXX 5. XXXX XXXX XXXX, XXXX, {$9000.00} 6. XXXX XXXX XXXX XXXX, {$740.00} 7. XXXX XXXX XXXX, XXXX, {$570.00} According to 15 USC 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I want XXXX XXXX per violation
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

The problem XXXX having with Experian is that these accounts are passed the statute of Limitations. 

Account Name : XXXX XXXXXXXX XXXX Date Open : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance : XXXX Account Name : XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance : XXXX
Consumer complaint received 2021-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Home Loan Center, Inc. (FL)

Today, XX/XX/XXXX, I was told I was approved for an unsecured loan by Lending Tree, a supposedly reputable company. They obtained my bank information as well as my driver 's license. Being in poverty my whole life, this didn't seem terribly out of the ordinary, but once my account was restricted after their " test deposit '' that I was supposed to withdraw and send back via a prepaid card, which made my hackles go up. They have threatened me with a federal chargeback after their " test deposit '' of {$910.00}. Fortunately, my bank account is now restricted and I have filed a fraud form with my local DMV.
Consumer complaint received 2022-07-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (WI)

MY husband and I attempted to send money to a pastor in XXXX for a water project at the amount of {$4100.00}. Due to the fact that we have not actually met this pastor in person Western union said that they would not deliver the money even though they did do a similar delivery in XXXX of last year. 

So we asked for a refund and this has be processed so they say and promised and each time we have talked with them and asked for a supervisor the say that all that can be said it that it is in process. We are now talking almost 3 months We have made 6 phone calls and have given up as we get the same story. Promise without any delivery
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (PA)

on XX/XX/2021 an unknown inquiry was made on my transunion credit report. there was no phone number to be reached by this company and the address that was listed appears to be an abandoned house. i have since called transunion about this situation and they agreed and told me the next step is to file a complaint with you.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

15 U.S.C. 1681s-2 604 ( A ) ( 2 ) states a consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2022-07-21
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: EQUIFAX, INC. (DE)

The credit bureaus stated my account was properly investigated and meets FCRA requirements but how is that possible : 1.The open date is inaccurate across all three bureaus.

2.The date of last activity is inaccurate across all three bureaus.

3.Account status is inaccurate ( XXXX and Equifax is reporting closed and XXXX is reporting open. 
4.Last payment dates are all different.

5.Closed dates is not being reported This is ground for removal. 

They also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On or around XX/XX/2022, my checking account was frauded through XXXX for {$3500.00}. The action taken, called Bank of America XXXX department and filed a complaint. A few days later Bank of America replied stating that we had to go through XXXX to make a complaint because the money was taken from XXXX. We filed a complaint with XXXX department. We received a letter from Bank of America dated XX/XX/2022, stating that were unable to approve your recent claim.
Consumer complaint received 2019-03-25
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. (AZ)

I have spent the last month in and out of the hospital with a XXXX illness. Thus, I have not been checking all of my accounts daily, as usual. Yesterday, after I was released, I checked my Chase Bank account online and was horrified to discover that I was nearly {$700.00} overdrawn!! It appeared that the overdraft was entirely due to three unauthorized charges. There was a charge of {$39.00} from XXXX dated XX/XX/2019. I do know this company. They are a subscription box company with whom I have an annual subscription. The amount of the subscription is {$170.00}. I was also charged that amount of the same date. For some unknown reason, I was also charged {$39.00}, the price of a single box ( the box ships quarterly ) that same day. I tried to contact the company via email and telephone on XX/XX/2019. I have not received a response. The second two charges were from a company called XXXX. I  have absolutely no relationship with this company, which appears to be another subscription company involving clothing. On XX/XX/2019, I was billed {$40.00} and on XX/XX/2019, I was billed another {$300.00}. Again, I tried to phone the company and also sent an email. No response has been received. Today, XX/XX/2019, I called Chase Bank around XXXX XXXX., P.S.T. Since I have been a client, Chase has had to clear up numerous disputes on my behalf. Unfortunately, I have been dealing with serious identity theft issues for the last five years and have been desperately trying to receive a new Social Security Number. Thankfully, Chase has been nothing but helpful with these unauthorized charges. They always issue a provisional fee within 24 hours and remove all the overdraft fees incurred by putting these charges through. Today, however, I spoke to a woman ( name unknown ) who refused to issue a provisional credit for any of the three items. When I asked why, she stated that since I did not report these charges on the day they posted to my account, she could and would open an investigation. I replied that I had never heard of that policy and explained that I had been hospitalized. She was unmoved and again stated that this was not Chase 's problem. I told the woman that if that was the case, I was going to be forced to switch banks since this new policy basically offered no protection whatsoever to their clients. Her response was " fine '' and a hang up. I am supposed to be resting and not dealing with stress as per my doctors at the XXXX XXXX. Instead, I am horrified at the sheer amount of overdue payment notices I now have to pay and wondering how I will make it through the next week as far as food, transportation to doctor appointments, etc. until I receive a XXXX payment near the end of next week. Please help!
Consumer complaint received 2019-03-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

Received letter on or about XX/XX/2017 from Resurgent Capital Services whom was collecting on behalf of LVNV Funding LLC a debt buyer. A validation of debt was mailed on XX/XX/2017 and received on XX/XX/2017 requesting a validation of debt that included that agency provide the following : original signed contract to verify my signature notice of the right to collect on the debt amount of the debt amount paid if debt purchased original creditor address of original creditor The only information that was provided to me was a print out from the collection agency system that says Account Summary. Written request was sent multiple times requesting the above following information without any response. The collection agency LVN Funding continues to report to the credit bureaus and a dispute has been sent to the credit bureaus with a notification of validation of debt verified. Letters were sent with copies of the Print out sent by the collection agency nothing from the original creditors but the agencies fail to remove the negative incorrect unverified information.
Consumer complaint received 2020-11-05
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: EQUIFAX, INC. (PA)

On XX/XX/2020 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'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days a reason to immediately remove those items from my credit report with has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-03-25
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: Experian Information Solutions Inc. (MD)

On XX/XX/18 XXXX XXXX assumed our loan from XXXX XXXX XXXX. with the original loan terms still in place : Conventional 5/1 ARM, no escrow account and tied to the LIBOR. Our loan was transferred in good standing and was a simple transfer. 

Our loan has never been late and since transfer to XXXX XXXX, and due to their poor reputation as a debt collector, I have paid my mortgage early every month and in excess of the balance due. 

XXXX has reported false and damaging loan terms which I was unable to fix through normal CRA disputes. In violation of the FCRA, XXXX has reported our loan to all 3 Credit Bureaus with false remarks : LOAN MODIFIED NonGovt, Loan Modified and including purchase money first. When I disputed this false reporting, it was verified by XXXX as accurate. 

My mortgage was sold by XXXX XXXX XXXX. and this loan was not a requested transfer. Furthermore, I contend that because we have nearly perfect credit scores of 820+ FICO XXXX, XXXX XXXX reported false terms to lower our credit and attempt to retain us as a long term client by lowering our score. 

The reporting of Loan Modified on a credit obligation is considered a derogatory indicator by FICO Score XXXX ( and within the auto and bankcard versions of FICO Score XXXX ) and would trigger the negative score factor You have a serious delinquency ( 60 days past due or greater ) or derogatory indicator on your credit report. to surface. This particular narrative ( Loan Modified ) first became available in the XXXX data when FICO Score XXXX was developed. 

Due to this false comment, XXXX has negatively impacted our XXXX FICO Score XXXX causing a drop of 100 points for XXXX XXXX and 69 points for XXXX XXXX. Our previous FICO XXXX scores were XXXX and XXXX on XX/XX/18. Now they are XXXX and XXXX respectively. 

XXXX FAQ specifically states : Will the terms and conditions of my mortgage change because of the transfer? This transfer does not affect any terms or conditions of your loan documents other than terms directly relating to the servicing of your loan
Consumer complaint received 2019-03-25
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: Experian Information Solutions Inc. (GA)

XXXX AND EXPERIAN is in contempt of fixing my credit report. fraud accounts. block all of the accounts listed below : Original Creditor Name : XXXX XXXX Opened XX/XX/XXXX ( 2 mos ) Account status Open Original Creditor Name : XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) Account status Open Inquiry details XXXX - XXXX XXXX from XX/XX/XXXX + Telephone Companies XXXX - XXXX XXXX from XX/XX/XXXX XXXX Telephone Companies because these are the accounts and inquiry that needs to blocked permanently from my credit report. BLOCK THESE ACCOUNTS THIS ACCOUNT IS UNVERIFIABLE AND HAS NO VALID EVIDENCE TO MAINTAIN THIS FICTITIOUS CLAIM.
Consumer complaint received 2019-03-25
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. (PA)

I've been sending dispute with Equifax for a couple years now about a collection agency XXXX .There reinserting 2 collections that been disputed and deleted a couple times. The company deleted and then resell the debt to another collection agency. This debt not mine and I've showed these agencies the proof and it's still being verified as mine. XXXX has deleted from my report as well as XXXX   but Equifax continues to ruining my credit.
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (PA)

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. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 
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 2021-10-20
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (MI)

on XX/XX/XXXX i sent an affidavit of truth via certified mail and requested validation of alleged debt through affidavit from XXXX, XXXX and experian for thier reporting of NAVIENT accounts. On top of that i sent them a cease and desist, all documents have been notarized, I have not received an affidavit in return and it has been over 60 days. I also gave them an opportunity for remedy and have not received response. Also they have been calling me, emailing me and sending me statements in the mail. Im just tired of being harassed, and my name slandered. My life in all aspects is constantly being affected by this issue, my marriage, my time as a father I'm losing sleep and its affecting my health. This has to be resolved.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( Transunion, XXXX, XXXX ) PLEASE!!! **They keep closing and reopening XXXX accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these XXXX accounts from my report XXXX  months ago. I have no clue why I have to keep fighting with transunion and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

XXXX XXXX XXXX Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX, 2020 XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, 2020
Consumer complaint received 2022-10-21
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-08-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TN)

Upon using my rights to check my credit reports, I discovered Midland Funding LLC, on my reports saying that I " owe '' them a debt. I have no records of this invalid debt, because I have never done business with this company. I researched the company and MidLand Funding LLC doesn't even have a license to collect in the state of Tennessee. 

On their website, it says they are also known as " Midland Credit Management '' for debt collection. These are two sides of the same coin, but the account in question is tied to the unlicensed Midland Funding LLC.