davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-12
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Chrysalis Holdings LLC (CA)

A man from New Day Financial named XXXX XXXX called me directly in XXXX. He told me that they have a program for XXXX veterans. He told me they have 2.25 % interest rates on VA loans and they can get me that rate on my loan. I asked what it would cost me and he said it would n't cost me anything at all. I had been in my house for 21 years paying my mortgage and I thought I was almost done paying my mortgage. He did n't tell me anything about refinancing my loan, he just told me my interest rate would lower. I would n't have wanted to refinance because I did n't want to have to pay for another 30 years since I thought I was almost done paying my mortgage. If he had told me it was a refinance, I would not have wanted it. I trusted him because he told me that he stands for veterans and is there to help veterans. He sent me papers to sign and told me I had to sign them very quickly because the interest rate could change any minute. He sent a notary to my house with yellow highlights where I had to sign. The notary told me that he was in a hurry so he rushed me to sign then took the papers with him. He was only at my house for XXXX or 15 minutes and told me he would notarize my and my wife 's signatures later. Then he told me I would get the documents back later. I got a stack of documents but they did n't have my signatures. 

After that I had to pay New Day a higher mortgage payment for 12 months. XXXX XXXX told me that 's how New Day keeps helping veterans by taking payments for 12 months on the loans they make. I made the payments to New Day but I still did n't know I had refinanced. After 12 months they turned my loan over to another servicer XXXX. Now I 've learned that New Day was refinancing my loan, and refinanced it twice in XXXX and XXXX without explaining to me what was happening. 

Now my loan balance is much higher than I thought it was and higher than I thought it should be, and now my mortgage goes all the way until XXXX even though I 've been paying for 25 years. I feel like XXXX XXXX and New Day misled me and got me into a situation that I did n't want. He told me it would n't cost me anything, but it has cost me a lot. And my interest rate is 4 %, not 2.25 % like XXXX XXXX said. 

I have tried contacting XXXX XXXX since XXXX but I have never been able to talk to him again.
Consumer complaint received 2023-03-31
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-03-31
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CCS COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Cease and Desist CCS COLLECTIONS currently has an account listed on my consumer report that is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in the appropriate court venue for damages related to fraudulently trying to collect on a debt that I do not owe. I have never contracted with this company, and I am demanding verification of such alleged debt. Verification is defined as a formal declaration made in the presence of an authorized officer such as a notary public under oath but in the presence of such an officer whereby one swears to the truth of the statements in the document XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I also demand proof that this corporation provides proof that I signed a contract with them. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since you will not be able to prove that I owe your company any money, I demand the following account be immediately removed from my consumer report as this information is harming my credit reputation. The account is as follows : Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX - original creditor XXXXXXXX XXXX XXXX XXXX within 30 days from receipt of this notice.
Consumer complaint received 2021-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (PA)

I don't know where to start. Enhanced Recovery Company began stalking me for payment of accounts in XX/XX/2018. They called me at home, at work, they called my family and friends! Finally after they threatened legal action against me, I paid them, and at the time they said all collection activity would stop, and that they would DELETE the items from my credit report. They have failed to hold up their end of whatever " bargain '' they coerced me into! I DEMAND SOME FORM OF JUSTICE! HAVEN'T I ENDURED ENOUGH FROM THESE MONSTERS? HELP ME!
Consumer complaint received 2022-10-26
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. (FL)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-26
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. (FL)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Ive tried contacting Bank of America ever since I opened the account with them. And theyve never graduated my secured credit card and its been almost two years since I opened the card. Ive tried contacting them and they have given me extensive reasons as to why they deny my request. But they mostly dont make any sense to me. They said one of my accounts showed delinquency. Which isnt true since Ive always paid my bills on time. They just want to keep charging me an annual fee for a card I dont even use since it doesnt have any benefits. But I dont want to close the account either because I would lose the credit history
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I called Experian on XX/XX/2023 at XXXX XXXX XXXX I asked the Experian representative to provide me with written documentation verifying the existence of the bankruptcy listed on my credit report or delete the inaccurate information immediately, per the Fair Credit Reporting Act rules that require them to report current and accurate information on consumer reports. 

I told them that I had already confirmed with XXXX, XXXX, and the district US Bankruptcy Court that there is no bankruptcy on file within the court system with my name. The court also informed me that they do not furnish records or case-related records to credit bureaus, or their " furnishers. '' I was then told by the representative at Experian that it is not their responsibility to prove the accuracy of any information on a consumers report and that it is my sole responsibility to prove that items on my report are inaccurate and that I have to send them documents proving that their reporting is incorrect. I was also told that they could not prove that the information on my report was accurate because they used a 3rd party furnisher and that Experian couldn't verify where the information originated because they aren't required to. 

Our entire conversation should be available within Experian 's recorded calls log. 

Thank you!
Consumer complaint received 2023-04-09
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: FIRST NATIONAL BANK OF OMAHA (CA)

Complaint goes to company name Fnb Omaha .I discovered this account on my credit report.Account was opened fraudulently i've sent in FTC report and copy of my driver license to credit bureaus to block this incorrect information from my credit report.The creditor is showing late payments on time payments.I never made a single payment for this account i want the creditor to share the information the account routing number with credit bureaus and CFPB and i want them to call the bank the account and routing number the payments are made from and verify if it belongs to me i got a chance of talking to creditor they have wrong address on their file wrong date of birth. 
FNB OMAHA Account number XXXX
Consumer complaint received 2023-01-09
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. (NC)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-11-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than XXXX days since I originally wrote them.
Consumer complaint received 2023-03-31
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. (FL)

PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

On my rental history, there is a collection account that I never opened I never rented with the promenade red apple town center, this is a fraudulent account that was open under my name, identity was stolen
Consumer complaint received 2019-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

I pay my mortgage to LoanCare , LLC. Originally, the loan was paid to XXXX. I started paying at least an extra payment since XX/XX/2018. The mortgage company has applied the extra payment as " payment in advance, '' which is to the advantage of the mortgage company. I have to call several times a month for the mortgage property to correct the situation. I have mentioned to them have a " XX/XX/XXXX. '' A computerized " XX/XX/XXXX '' is a computerized check to make certain that a customer is up to date on their mortgage, and additional payments go to " principal '' only. The mortgage company and the customer would not have to talk on the phone to correct the situation. 

The mortgage company website does not inform the customer the date that they receive the payment. On the other hand, the mortgage company has a column entitled as " applied date. '' Normally, the " applied date '' is different than the payment date. Based on what i have seen, It takes many days subsequent to the payment date to correct the entry. Having the customer 's payment date, the customer can calculate that the interest/principal portion.
Consumer complaint received 2020-09-24
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: Specialized Loan Servicing Holdings LLC (TX)

I have been on forbearance since XX/XX/XXXX. I received a phone call on XX/XX/XXXX if I didn't make all 3 payments now they were going to foreclose on me. I asked cant we put the payment at the end of our loan and she stated no this is a forbearance we needed to pay today. I paid {$5500.00} on XX/XX/XXXX it posted from my account on the XXXX. I noticed a week later that my statement never updated that it said I was still 3 months late. I made a phone call and they told me they see my payment but don't know why it hasn't posted to my account that they need to send it up to higher personnel. I called back on the XXXX and they still don't know why its not fixed. I called them everyday since until someone would fix my account. Finally 3 weeks later the payments finally were posted to my account. I also adked to make sure they never report this on my credit and every person I spoke to assured me it would not go on my credit because it was there fault. Well here it is on my credit as a negative for 30 60 & 90 days delinquent which effect my credit score. So now I have called them again every day this week about my credit reporting and of course there is no one we can talk to that we have to wait for a manager to call us again that never happens. So just need them to fix my credit
Consumer complaint received 2023-06-13
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. (MO)

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 name : XXXX XXXX XXXX Account XXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2019-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I have been call ed on my cell phone as well as at my job by several shell companies under the same umbrella trying to collect on a capitol one credit that was included in a chapter XXXX bankruptcy in XX/XX/2009. I have repeatedly told them that the credit card in question was included in the bankruptcy. Each time, they place me on hold, they verify what I have told them and tell me that I will be taken off the call list. Unfortunately, the following week, I am contacting by a " new cmpany '' that they say is not affiliated with any of the previous callers. They always say my name will be removed from the list, but I continue to get calls at work and my cell phone.