davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-15
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. (MN)

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 3 credit bureaus to validate the 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 erroneous information that needs to be investigated and correct XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$840.00} ; XXXX XXXX Balance Owed : {$7300.00} ; XXXX  XXXX Balance Owed : {$3000.00} XXXX XXXXXXXX XXXX Balance Owed XXXX {$1700.00} ; XXXX XXXX Balance Owed : {$3400.00}.
Consumer complaint received 2023-07-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AML Funding LLC (FL)

To Whom This May Concern, I applied for a refi loan through Absolute Mortgage and Lending with lender named XXXX XXXX. XXXX originally told me that an appraisal on my residential property is NOT needed. However, XXXX weeks later he told me that underwriting required an appraisal on the home. XXXX told me I have to pay for the appraisal fee of {$590.00} but I didnt sign an intent to proceed form. Thus, the process took so long. I went with another lender and got the clear to close in 3 days!!! Im writing to request Absolute Mortgage and Lending to reimburse me the full appraisal amount of {$590.00}.
Consumer complaint received 2021-02-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC. (NJ)

On XX/XX/2020, I received a call from a Mortgage Loan Originator, XXXX XXXX, from XXXX XXXX XXXX, in XXXX, NJ, regarding my online inquiry. After speaking for a few minutes, asking what their current rates were and letting XXXX know I just started to shop around with different lenders to refinance and shared what another lender was offering my wife and I to see if Homebridge rates would be comparable, he began telling me to watch out for brokers. I explained the quote I received was from a lender, not a broker. XXXX seemed to be combative and focused more on telling what I should or shouldn't do, rather than what he can do for my wife and I. I explained the quote I received was in writing as he was implying the person who gave me the quote, was deceitful. I stated my wife and I may give them a try. XXXX then, in a snarky tone said, " Good luck with that, '' and abruptly hung up on me. His last words were not genuine, but clearly dismissive. We were not mutually ending the phone conversation, nor was it done in the typical universal way two people hang up. I never got to say thank you for calling me back, or be well. 

Minutes after he hung up on me, I emailed XXXX and told him how rude and unprofessional he was and that I'd definitely be taking my business elsewhere. He replied back via email with continued rudeness and arrogance, coupled with a misrepresentation of the facts regarding our phone conversation. I never stated I didn't want to apply online to refinance. He lied in saying we were mutually ending our phone conversation when that was not true. He abruptly hung up the moment he felt we might not work together. 

I contacted Homebridge via their website to inform them of my experience and was told, XXXX XXXX, the Divisional Vice President, would reach out to me to discuss my concerns. He never did. It seems this unprofessionalism starts at the top, which would make sense as to how someone in XXXX 's position would not hesitate to handle a potential customer ( or anyone for that matter, even if he felt I was not going to give him my business ) the way he did. What makes it more shocking is the fact that XXXX is a Branch Manager. 

I have attached all email correspondence. You can see how unprofessional and arrogant this employee is solely based on what he told an employee within Homebridge, from the Customer Commitment Department. These types of verbal attacks against those who are not clients of Homebridge, seem to be common place for XXXX to speak freely like this to an employee, who is supposed to handle grievances with the company. 

On XX/XX/2020, I followed up with Homebridge and expressed how it is evident that the poor customer service with Homebridge runs from the top down, since XXXX XXXX never contacted me.
Consumer complaint received 2022-10-15
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)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

XX/XX/2021 Dear Sir or Maam, I am taking this time to write you about updating my personal information with your company. 

Please update my address in your records to the address listed below : XXXX XXXX XXXX XXXX XXXX, PA XXXX Please update to my full legal name : XXXX XXXX XXXX XXXX remove all phone numbers, emails, and addresses on my credit report. 

Please remove all the other addresses off my credit report as I am a Victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX ( Remove ) The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2021-04-17
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: DISCOVER BANK (IN)

I have a hard inquiry from Discover that is incorrectly reporting on my credit. They also said it wasn't going to be a hard pull but now that I have access to my score/report, I see that is not the case. This is unfair because these major institutions already know the consequences of these things on your report yet they don't care to remove them when you ask. This limits my ability to attain funding for my business/investment in the United States. 
Furthermore, XXXX took a hard inquiry on my account when I was still immature about my credit. I asked them if it shows up on my credit score and the employee told me " No, it shouldn't ''. Now that I am looking at my score with more knowledge of how it works, I want to get my hard inquiries removed if at all possible.
Consumer complaint received 2019-08-21
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. (NV)

The following inquiries were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information  XXXX/XXXX, XXXX   XXXX, TRANS UNION
Consumer complaint received 2022-10-15
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (WI)

I have filed a charge back with my Citi Card for a charge from XX/XX/2019. I got electronic paperwork from Citi on XX/XX/2019. They stated they would not honor my charge back without more evidence from me. They also stated that it included the merchants response in the letter to my charge back request. The merchants response is not included and I can not make a proper rebuttal to the merchants claims without it. I have included a copy of Citi 's electronic correspondence with this complaint.
Consumer complaint received 2018-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

There is 2 accounts showing delinquent for XXXX XXXX. XXXX XXXX has submitted 4 request to have the accounts removed from my credit report. Equifax REFUSES to remove the accounts as per the documentation attached. XXXX with XXXX responded to XXXX XXXX stating Equifax will not remove the errors due to the info not being of public record. Myself & XXXX XXXX  has supplied the legal documents as proof of our claim Yet their response to my complaint states it has been rectified when in fact, as of this complaint the accounts are still showing delinquent. These errors has resulted in my family being denied credit. We have been attempting to get these errors corrected for more than 2 years. 

In XX/XX/XXXX, Equifax responded to my complaint with the following statement. 

" Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicate that there are two debts being incorrectly reported by a data furnisher. You indicated that the accounts were discharged in a Chapter XXXX bankruptcy because you, as a non-filing spouse, are protected At your request to begin an investigation, we contacted the data furnisher on XX/XX/XXXX, to verify the accuracy of the information with which you disagree. The data furnisher responded and they updated the account status, removing the charge off notation. The result summary, confirming the removal of the charge off status, was provided to you on XX/XX/XXXXred in a Chapter XXXX Bankruptcy ''
Consumer complaint received 2022-12-15
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. (OH)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 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 2021-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (AL)

Received letter today XX/XX/21 re : a XXXX debt of which is not possible. I use XXXX and don't carry any debt. Read online it's a scam and to contact you. I am contacting you in hopes you can resolve as I will not contact this bogus collection company and I will fwd this to XXXX.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

My account with Nissan Motor Acceptance Corporation ( NMAC ) was settled on XX/XX/19 ( See attached ). It  is showing a XXXX balance from the attachment from XXXX XXXX that was reported by XXXX  and XXXX  ( See attached ). I called the ( 3 ) bureaus asking them to remove it from my credit report. I was told that it couldn't be removed at this time. I would like help of removing it from all ( 3 ) credit reports. Thank you.
Consumer complaint received 2021-06-15
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt 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, you must remove the account listed.
Consumer complaint received 2019-08-21
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: EQUIFAX, INC. (NV)

The following inquiries were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information XXXX/XXXX, XXXX   XXXX
Consumer complaint received 2019-03-13
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. (TN)

I have continually disputed two accounts on my credit report which still show currently. I have disputed them and asked that they be removed from my report. To date neither of them have been removed and disputed only to update with more erroneous information.
Consumer complaint received 2019-07-12
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. (NY)

In XX/XX/2018 I discovered a XXXX XXXX XXXX Visa   XXXX ( XXXX ) credit card on my credit report. I called the bank and they said I opened this account some two years earlier. I reviewed my records and I believe that this account is not mine and I contacted XXXX  and told them this account was not mine and that they should close it asap. 

The account has a XXXX  balance and they refuse to remove this account from my credit report.
Consumer complaint received 2018-05-06
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. (IA)

In XX/XX/XXXX I pulled my report and noticed there accounts that I had no recollection of. I since have sent letters from XX/XX/XXXX to the latest XX/XX/XXXX to get this resolved. Each time they claim it was verified with no supporting documentation as requested. I have also noticed the dates are innacurate as well. They have a fall off of XX/XX/XXXX and XX/XX/XXXX when they both should actually be XX/XX/XXXX. This shows me that no one truly verified anything because this would have been corrected by now. I have reached out many times to them and they each time is a new excuse. They either can't ready my I'd which I have copies of everything sent. They have been unable to tell me who and how anything was verified and tell me just dispute it again and again. The system was down or could be pulled up or they weren't sure what I was asking of them. Each letter I sent does have tracking information as well that they did receive it.

Equifax has added and removed these over and over from what i can tell in my credit monitoring updates.

Attached is the accounts in question. Equifax has not sent me an updated report so I will upload experians. Looking at my credit monitoring it shows the same pattern and dates.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2021-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (TX)

On XXXX, my first Complaint ID # XXXX, US Bank informed me that " The company needs authorization from me to proceed with my complaint - there is an unauthorized third party on XXXX. '' Another response sent to XXXX  from US Bank via Secure Messaging stated that US Bank was " trying to locate their client for a debit authorization. '' Once US Bank located their scammer account holder, access was denied from the fraudulent transaction in which US Bank then requested a Hold Harmless Letter be sent to them from me at XXXX XXXX  ; HH Letter sent notarized directly from a XXXX  Banker to US Bank on XXXX, still with no status updates or reversals to-date. 

I don't understand why a Debit Authorization was needed from their fraudulent US Bank account holder, but a XXXX Police Report, FBI Report, Action Fraud XXXX  & XXXX Police Report have all been filed against XXXX XXXX XXXX as she impersonates an employee at XXXX XXXX in a job scam & stole my {$2600.00} USD with no trace of her. US Bank sent a message to XXXX  which informed me via XXXX Secure Messaging that the case was closed but to send in a Hold Harmless Letter to US Bank for further processing in which I've followed all instruction thus far. What is the status & receipt of my Hold Harmless Letter?
Consumer complaint received 2019-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2015-09-23
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Navient Solutions, LLC. (AZ)

Pioneer credit Recovery, Inc who is working on behalf of XXXX, has been calling my home and cell number nonstop. They have threaten to call Social Security to have my Social Security Check taken away. They have threaten to take money from my bank account without my permission. They obtain my husband cell number and told my husband to fax over his XXXX so that the can garnish his tax returns. I called XXXX XXXX XXXX XXXX XXXX to inform them of the harassment that I was receiving from Pioneer. They advised me that its not that problem to call Pioneer or file a complaint. So that what I doing filing a complaint because it is against the law to do these scare tickets to people
Consumer complaint received 2021-02-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: RFNA, LP (AL)

On XX/XX/XXXX monthly payment process over phone {$200.00}, was not pleased with increased balance. Call back and had another payment processed in the amount of {$1000.00} same date. Asked young lady for the remaining balance which she provided with another increase thru XXXX of XXXX.That amount she quoted for the payoff of {$560.00}, which I mail check on XX/XX/XXXX. Asked for a PIF letter from Republic Finance LLC. Young man trying to get me to take another loan and claims I have a small amount remaining. Now this is almost six week that full payment has been received. And with a few choice words informed him they wouldnt receive another dime from me. This is their second time trying to charge more for something that is already paid. And I know this is something they practice with all there customers.. I have proof of payments and this company needs to stop.Republic Finance LLC. XXXX XXXX XXXX XXXX XXXX, XXXX