davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southern Auto Finance Co (FL)

XX/XX/ 2016 I financed a car through Southern Auto finance company ( safco ) made my payments on time until I had to stop working due to medical reasons. The car was repossessed in XXXX of 2016. The company has since inaccurately reported to the credit agencies the details of the account. On XXXX they claim it as a repossession and that I owe over {$14000.00} on XXXX it is showing that I owe almost {$8000.00} and it is a charge off/bad debt and are continuing to show late payments for the account. I have disputed this with the company and the credit agencies multiple times and have gotten to response or no solution to the miss information being reported. I have sent letter for verification of debt and account balance and have not received responses from Safco
Consumer complaint received 2020-02-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: QC HOLDINGS INC (LA)

On XXXX XXXX, 2020 I went into the store 's location : QC Financial Services, Inc ( LendNation ), XXXX XXXX XXXX, XXXX Louisiana XXXX, Phone| ( XXXX ) XXXX, and made a payment of {$350.00} in full and signed the receipt, but the agency claims that I did not make my payment. It is clear that an employee at the agency has taken the money and failed to follow through with the transaction. I have filed a police report with the local Police Department ( XXXX ), and will follow through with the complaint, thoroughly.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Equifax Information Services LLC has been notified by me numerous times that they are incorrectly reporting the balance of my child support account of mines by over {$40000.00}. I have provided them all the factual information to verify the correct balance with the Child Support agency, I have provided them legit documentation from the State of  California secure website that stipulates the correct balance and still they refuse to correct this account. I have provided them all documentation they have asked for and went back and forth with them for over one year. In light of the fact i know i am 100 % correct of the balance, i am taking this step as required by law before pursuing legal action in California Superior Court. I have already obtained an Attorney and been advised to take this FINAL step before proceeding with a court of law. I have been denied credit due to this high inaccurate balace, paid higher interest rates and been through emotional distress from creditors who have denied auto loans on my behalf specifically because they say the debt ratio of my equifax credit file is took high ( from equifax reporting the wrong balance )
Consumer complaint received 2020-02-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC. (CO)

I have been going back and forth providing non stop documents to my lender and I feel like this process will never end. Now after months of being in review they have denied my application because they miscalculated my income by over {$5000.00} dollars. I don't even know where to begin my frustration. They have a sale date for my house in less than 3 weeks and I am just trying to save my home!
Consumer complaint received 2020-02-14
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: Keynote Consulting, Inc. (IL)

I have requested this collection company to validate this debt they were unable to provide adequate validation. This is not a valid debt. I do not owe that company that money and I have also filed a dispute with the credit bureaus at the same time that I was requesting debt validation and they responded to the credit bureaus which is also a violation. I would like to have this account removed from my credit reports because it is not a valid account and I do not owe this money.
Consumer complaint received 2020-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I have been in contact with XXXX XXXX  and they have stopped collection activity on this account and the fraudulent account have been removed from both XXXX and XXXX. Why is it that your company Equifax is still reporting the fraudulent account. Not only that your company Equifax is reporting an account that is a result of identity theft. Not only was I not aware of this account, XXXX XXXX never gave me notice to dispute the validity of this account before inserting it into my credit file.However they have notified the credit bureaus that they have ceased collection. I am formally disputing this account once again as I am a victim of identity theft and this account is a result of thereof. Please remove this account from my credit file that you maintain.
Consumer complaint received 2021-04-16
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. (CT)

I reached out to the three bureaus and told them about at debt on my report that doesn't belong to me and asked them to prove the debt with my signature and the validity and send me the results and they have not. The item is XXXX XXXX # XXXX.
Consumer complaint received 2020-02-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

I am trying to purchase a second home through quicken loans. They are requiring a relocation letter from my employer even though it is a second home purchase and I am not relocating. Because of this they have decided to deny my loan. I have tried numerous times to get in touch with my loan officer, and his team lead, and they have been suspiciously unresponsive. I have tried as best as I can to reason with them and come up with a solution but they have been unresponsive and unwilling to work with me. They chose to tell me this 14 days before the closing date of my purchase agreement not leaving me enough time to go through another lender. They have been extremely unprofessional and have not communicated well throughout this entire process. I have spoken with other loan officers with other lenders and no one can see why a relocation letter would be required for a second home. It was also never once mentioned as a possible need before the loan application was submitted to underwriting that a relocation letter would be needed.
Consumer complaint received 2020-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (IL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney.
Consumer complaint received 2020-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

As of today XX/XX/XXXX, I received US banks response to an issue or complaint report in XX/XX/XXXX. According to US bank, my hazard insurance had an issue with underwriting within 6 weeks of the purchase of my home. I never received any notification from the bank that would allow a prompt fix to the insurance concerns. US bank states the insurance was no longer in effect XX/XX/XXXX. I was not provided an opportunity to address the issue before it got out of hand. US bank, claimed they mailed me letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX, prior to them placing forced insurance on my loan in the amount of XXXX. I never received these documentations until today XX/XX/XXXX in a packet provided from the bank that included the insurance Declarations. 

Why if an insurance company has underwriting issues, would the insurance department not reach out to me either by email, phone, or confirmed mail? If the mortgage company acknowledges that there is no hazard insurance on the property on XX/XX/XXXX. How is that it is acceptable to wait 10 months to claim notifications were sent? 

In the packet provided by US bank included said notification ; unfortunately for me, this is the FIRST time I am in receipt of these letters, As well as the Declarations of XXXX XXXX XXXX XXXX. 

US bank failed to provide adequate time to address an issue that was an easy to fix and would have saved me thousands of dollars. The mortgage company requires an up to date phone number and email address. Which they have, so why did they not confirm knowledge of the concerns on the insurance. I am negatively affected by the lack of notification provided by US bank. 

By providing this information today XX/XX/XXXX, does me no justice as I can not go back and fix anything. US bank has failed to service my loan/insurance/escrow/and monthly payments in the manor to which they should have. 

I do not believe I should be held at fault since US bank failed to give me the opportunity to fix the error within a reasonable time frame. 

One thing I am confident is that US bank would call/email/and send letters, if ever I was to miss a payment. SO, why can I not get the same respect on other aspects on my loan.
Consumer complaint received 2022-12-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (NY)

I got multiple calls and messages from a company name I.Q. data International about a debt they purchase from another company that claims I owe them money they obtain my private information called my ex wife and family members even my old job looking for me after I told them I didnt make any business with them or gave anyone permission to give out my information but have reflected negative information with the 3 credit bureau that has affected my credit.

They claim I owe them {$17000.00} and it keep going up every month. They reported to the credit bureau on XX/XX/2018
Consumer complaint received 2018-07-06
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CIS DIRECT LENDING (AL)

ON COMPLAINT NUMBER XXXX XXXX XXXX XXXX DID NOT PROVIDE PROOF OF AN ALLEGED CLAIM. ACCORDING TO RESPA THE MORTGAGE COMPANY NEVER DISCLOSED TO ME THAT I WERE PARTY TO AN INVESTMENT CONTRACT.. IT CLEARLY SAYS ON THE LETTER ATTACHED FROM XXXX XXXX XXXX UNDER THE TRUTH IN LENDING ACT " THE AMOUNT OF CREDIT PROVIDED TO YOU OR OWN YOUR BEHALF WHICH MEANS I CREDATED THE DEBT. I CREATED THE DEBT 15 USC 1692 ( A ) ( 4 ) .THEY DID NOT SHOW THE FULL ACCOUNTING RECORDS ACCORDING TO ( GAAP ) THAT I ASKED FOR. THEY DID NOT PROVIDE ME WITH THOSE RECORDS BECAUSE THE COMPANY IS A FRAUD. XXXX XXXX XXXX WAS A THIRD PARTY TO THIS DEBT I CREATED.
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

A hard inquirer to credit company by Citibank on me XXXX XXXX with out my knowledge and my permission. This hard inquirer lowed my total credit score.
Consumer complaint received 2020-02-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NJ)

Good afternoon, I am requesting clear legible copies of all checks payable to XXXX XXXX XXXX from XXXX XXXX, 2019 - XXXX XXXX, 2019. Preferably scanned and hard copies. 

Thank you
Consumer complaint received 2020-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (TX)

I paid off the balance on my credit card on XX/XX/XXXX, it was posted to my account on XX/XX/XXXX. Barclay/Upromise then charged me a late fee on XX/XX/XXXX. But there wasn't a payment due that was late since the balance had been paid in XXXX. They charged another late fee on XX/XX/XXXX & XX/XX/XXXX. In XXXX, I received notification from XXXX that I had a negative mark on my credit. At this point, I realized Barclay 's error. I contacted them in XXXX and they assured me they would credit my account for the incorrect late fees. During these months, the credit card had not been used. I received a letter on XX/XX/XXXX from Barclay informing me the account had been closed due to non-payment. My credit limit with them was {$17000.00} and they closed the account for {$80.00} of erroneous late fees. On the XXXX statement, you can see where {$120.00} was credited to the account ; however, I did not make a payment. It seems they were reversing some of the late fees. From XXXX to XXXX, I did not receive a single phone call informing me of late fees or the threat of a closed account. When I spoke to the representative today, they mentioned there were no notes on my account showing attempts were made to reach me.
Consumer complaint received 2020-02-14
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. (GA)

I lost my wallet some years ago, after this incident I have been getting bills and letter from different places, that's when I started to become suspicious about my identify been stolen, finally I check my credit an found a numbers of accounts that I don't recognize, so I'd Like to report this event and ask for your help to remove these fraudulent accounts from my credit.
Consumer complaint received 2020-02-14
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: EQUIFAX, INC. (MI)

XXXX XXXX XXXX {$270.00} Opened- XX/XX/XXXX This is a fraudulent account opened in my name. I have never had anything in my name. 

XXXX XXXX XXXX {$420.00} XX/XX/XXXX This is a fraudulent account opened in my name.
Consumer complaint received 2021-06-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

I was notified that on XX/XX/2021, some unknown person applied for a credit card from XXXX. They used my correct name and phone number. 
it was not me, I do not/did not use XXXX ever, and did not apply for credit at all. 
I have attempted to contact Experian for two days for help and no one answers the phone and their site refused to allow me to dispute this hard inquiry online. 

I want to notify Experian that is not me, it needs to be noted as fraud, and put a fraud alert on my credit report, and also remove this hard inquiry from my credit report. 

Experian never answers the phone, and does not allow disputes to be filed online, they only want to sell monitoring products, which I have, and it still won't let me report this fraudulent activity to them. 

I need help
Consumer complaint received 2019-08-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (MD)

Multiple phone calls a day. I understand a few but I had 2 voicemails left on the same day. Plus I received a call right before the first voicemail at XXXX. VM at XXXX And received 6 calls that day. Days prior my wife receive multiple phone calls from them as well. Chase financial!
Consumer complaint received 2017-05-31
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: Experian Information Solutions Inc. (DC)

XXXX reports to Experian and the date of last payment ( according to XXXX ) is XXXX 2010.  Because it has been 7 years, these accounts should not be reproted to the bureaus. They also should not show on my report. Lastly, i have disputed these accounts becuase all of my student loans are public loans through the governmetn and have been being paid on time consistently. These XXXX accounts need to be removed! XXXX and XXXX has removed them as they saw the age of alleged accounts yet Experian still reports them. This negatively has impacted me when purchasing my home and car, and my auto insurance as well as my Federal Government Security clearance.
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MD)

I purchased a home XX/XX/XXXX. Leading up to the process XX/XX/XXXX I talked to a few lenders. I work in XXXX and am very familiar with the mortgage/home buying process. I was interested in a conventional XXXX fixed mortgage for which I would make a 5 % down payment. I selected Wells Fargo. 
Because of my down payment amount, I knew I would be subject to private mortgage insurance ( PMI ). I was always told by the mortgage banker at Wells Fargo that after XXXX years I would be able to eliminate mortgage insurance if I could show that I had at least 20 % equity ( Loan-to-value ratio of 80 % or lower ). 
XXXX years elapsed and I went to get an appraisal. Wells Fargo then notified me that I would need to have 25 % XXXX. When I asked why it was not 20 % as had been told to me before and during loan closing, they said that it had changed to 25 % because of the pool of mortgage backed securities the loan was sold to. 
Of course I then called Wells Fargo to ask what was stated regarding PMI in my loan agreement. They said that the ability to eliminate PMI based on increased market value was not in writing, since it could change post-closing. I think it was inappropriate that this fact was not disclosed to me at any point during the mortgage process. 
While I understand that as part of the mortgage process I consented to the resale of my loan post closing, I think it is inappropriate that I was negatively affected economically because of the party that Wells Fargo had decided to sell my loan to. My mortgage insurance was {$250.00} per month and I was always told that if market values increased I would be able to get the PMI removed after 24 months and having reached 20 % equity. If the fact that it could change without my consent had been disclosed I would have sought a lender that would have maintained the requirement of 20 % equity for early PMI removal. I spoke to my XXXX and he had never heard of the 20 % equity requirement changing to 25 % equity post closing of the loan. 
My loan balance when I got the appraisal was approximately {$300000.00} and the appraised value was {$410000.00} XXXX I had 24.6 % equity ). I was required to make a paydown of {$1800.00} on my loan. While I was able to remove PMI with a paydown I could afford - I know this might be happening to other Wells Fargo clients and I think they should receive compensation if a loan resale decision affects them economically.
Consumer complaint received 2019-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX on XX/XX/2019 and XX/XX/2019 accessed my Transunion credit report without my consent. This is an unauthorized inquiry and it affects my credit report negatively. Wish to have these two inquiries removed immediately.
Consumer complaint received 2020-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX {$270.00} XXXX XX/XX/XXXX This is a fraudulent account opened in my name. I have never had anything in my name. 

XXXX XXXX XXXX {$420.00} XX/XX/XXXX This is a fraudulent account opened in my name.
Consumer complaint received 2017-05-31
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. (AL)

SOMEONE OPEN UP A  XXXX   XXXX  ACCOUNT USING MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH BUT THEY USED THE NAME  XXXX   XXXX  WHICH IS A FEMALE  XXXX , I AM  XXXX   XXXX . I SENT POLICE REPORT TO EQUIFAX AND  XXXX  SHOWING WHERE MY IDENTITY HAD BEEN STOLEN AND THIS WAS FRAUD AS WELL. NEITHER BUREAUS HAVE REMOVED FROM MY CREDIT FILE THIS IS NOT MY DEBT.
Consumer complaint received 2020-02-14
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. (GA)

XXXX XXXX {$750.00} Opened : XX/XX/XXXX This account has me as an authorized user and I have never had an authorized user account with XXXX XXXX. I have one primary account with them and thats it. This isnt my account XXXX XXXX {$29000.00} Opened : XX/XX/XXXX This is account is inaccurate amount and has also been on my credit report for 7 years as of XX/XX/XXXX and should no longer appear on my credit report. 

U.S Dept of Ed {$59000.00} Opened : XX/XX/XXXX This account is showing an inaccurate amount also the date opened was XXXX XXXX. The amount is wrong and this account should not be shown on my credit report. It has passed the 7 years past when the account was opened and was never paid on.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: GOLDMAN SACHS BANK USA (MD)

On XX/XX/XXXX I placed an order through XXXX who works with a third-party vendor that third-party vendor never sent that item I purchased through XXXX after multiple request for updates from XXXX and the third-party vendor I submitted a request through my credit card company which is controlled by Goldman Sachs. Goldman Sachs followed up on the dispute in regards to if a purchase was made. Goldman Sachs never followed up on if the item had been received. Goldman Sachs then refuse to follow up on the correct type of dispute and I was charged for a product which I never received