davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-30
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. (IL)

I requested the removal of a bankruptcy that is being inacurately reported on my credit report. It shows the Federal Bankruptcy Court as the resporting party and they advised they do not report to the credit bureaus.
 XXXX  reported they used a 3rd party to verify the information which is   XXXX   XXXX  . I have a security freeze on my account so they could not have " verified '' this information, and it shows the Federal Court as the Reporter of the account.
This is a violation of the FCRA because they are reporting INACCURATE information on my report.
Consumer complaint received 2023-03-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (WV)

Our loan was approved on forbearance. We have documentation stating this forbearance does not expire until XX/XX/XXXX. In XX/XX/XXXX Rocket Mtg had us do a check in which then asked if we would like to defer payment. I filled the online form out and submitted. Next thing you know, our mortgage is deemed all caught up and they want a payment XX/XX/XXXX. In the meantime, we had multiple communications with Rocket Mtg that we applied to WV Homeowner Rescue and were conditionally approved. 

My question and complaint is if we were approved on forbearance until XX/XX/XXXX, then why put this form for deferral online to be filled out. I feel this was tricky due to thinking about putting off payments and deeming deferral and forbearance together. Right now we are waiting until the end of XX/XX/XXXX and requesting a verification of amount due from Rocket Mtg so Homeowner Rescue can pay. Rocket Mtg. States they can not reverse the deferral and we need to wait and not pay the XX/XX/XXXX payment so the money gets pulled out of deferral. We definitely do not want to go into foreclosure as we have everything in line to pay the past due amount through XX/XX/XXXX. We believe Rocket Mtg had no business even asking us about deferral since we were still on forbearance program. 

Please advise.
Consumer complaint received 2023-03-21
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: EQUIFAX, INC. (TX)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

File fraudulent claim with XXXX and the police division # XXXX. This is not my account. 

XXXX XXXX XXXX XXXX XXXX {$7700.00}
Consumer complaint received 2019-10-11
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. (OH)

End of lease with XXXX XXXX XXXX in XXXX XXXX, there was a late payment from a drive thru auto-toll in Colorado during summer XXXX, {$15.00} toll turned into {$90.00}, toll was sent directly to XXXX XXXX XXXX instead of my home address. I don't know if toll was paid, but I was charged a late fee, trying to work out details with XXXX, could not explain what happened, why I was not notified, who paid the State of Colorado, finally gave up trying to get information and decided to pay my end of lease payment plus toll late fee when they threatened to send me to collections, I received the collections notice on XX/XX/XXXX, paid XXXX XXXXXXXX XXXX on XX/XX/XXXX, they still hit me with a two month charge off
Consumer complaint received 2019-07-07
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. (AR)

I disputed the 30 day delinquent reporting when I learned of it by applying for a loan on XX/XX/18. 
I submitted a written letter to XXXX XXXX XXXX and requested to investigate my complaint and to remove the 30 day delinquency notice because the payment was made to their company on time. 
I am writing to request assistance in having a 30 day delinquent entry removed from my credit report from all 3 credit bureaus. 

The correction of the error being sought is described below in regard to the mortgage on my property. 

A 30 day delinquent entry on my credit report by XXXX XXXX XXXX because of an escrow shortage ; which is only a proposed or projected change. Its was not an actual payment that made that the company made and needed to recouped. Further, the proposed or projected escrow change was paid in full once XXXX XXXX XXXX was contacted. 

Payment application errors : XXXX XXXX XXXX rejected the full payment I made in XX/XX/2018 in the amount of {$1200.00}. It was not applied to the loan or returned to me. Why was it not returned to me if it was short within a timely fashion to avoid it being 30 days late? XXXX XXXX XXXX should not be unjustly enriched by unapplied funds sitting in their account that was intended to be applied to subject mortgage loan. 
XXXX XXXX XXXX did not properly credit the payment received on XXXX XX/XX/2018 in the amount of {$1200.00}. Said payment should have been credited to : XXXX XXXX XXXX XXXX #. 
XXXX XXXX XXXX credited the XX/XX/2018 payment on XX/XX/2018 ; which resulted in a 30 day delinquency notice being placed on my credit report and a significant drop in my credit score. 
The payment should have been applied on the day it was received in accordance with 12 CFR 1026.36 ( c ) ( 1 ). 
XXXX XXXX XXXX should be required to remove the delinquent entry. It is harsh, detrimental and unjust. 
Mortgage Companies should be required to notify consumers via certified mail, phone or fax if unapplied funds are being held because of the adverse impact it has on a consumers credit worthiness, standing and capacity.
Consumer complaint received 2019-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

XXXX/XXXX/19 WE JUST GOT A LETTER IN THE MAIL STATING THAT WE WERE DENIED A MODIFICATION BECAUSE THEY SAID THE DOCUMENTS WERENT SENT IN ON TIME!!! LIARS!! IF YOU LOOK AT ALL THE COMPLAINTS YOU WILL SEE THAT WE SENT IN ALL DOCUMENTS BY THE DUE DATE XXXX/XXXX/19 BUT WE WERE TOLD THAT THE NOTARY DIDNT SIGN THE CORRECT LINE! SO THE MODIFICATION SENT OUT ANOTHER SET BY EMAIL AND WERE SIGN CORRECTLY BY THE NOTARY THEY WERE SENT BACK BUT WHEN MY WIFE CALLED SLS TO MAKE SURE EVERYTHING WAS SIGNED RIGHT THEY SAID THEY DIDNT RECIEVED THE HARD COPIES AND THEY WERE SHREDDED!!!! WHY??? SO NOW ITS THE END OF XXXX SO I TALKED TO A SUPERVISOR AND SHE SAID SHE IS SENDING A NEW MODIFICATION DOCUMENTS BY UPS WE DID AND WE SIGNED THEM AND WERE SENT BACK AND THEY RECIEVED THEM ON XXXX/XXXX/19! WE WERE TOLD THEY WILL FINALIZE THE DOCUMENTS BUT WE MUST MAKE XXXX PAYMENT WHICH WE DID! NOW WE GET THESE PAPERS IN THE MAIL SAYING WE DIDNT SEND THEM IN BY THE DUE DATE! LIARS WE HAVE THE THE RECIPTS FROM WHEN EVERYTHING WAS MAILED ON ALL 3!
Consumer complaint received 2016-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: CORELOGIC INC (MI)

I recently applied for an apartment in XXXX XXXX Michigan and the apartment complex uses a credit reporting agency saferent or core logic. I disputed this information, sent them supporting documents of this information being incorrect, and I even sent them information from XXXX stating the errors in my credit report and they continued to ignore my pleas.
Consumer complaint received 2023-03-21
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights.

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 2019-10-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (WI)

On XXXX XXXX 2019, I opened a BMO Harris Platinum Money Market account based on a promotion of a total bonus of {$300.00} associated with this account. 

The terms required depositing {$10000.00} into the Money Market account and not letting the balance drop below {$10000.00} for the next 90 days. To satisfy this requirement, I deposited {$10000.00} into the account on XXXX XXXX, 2019, and then did not remove any money from the account until XXXX XXXX, 2019 ( 92 days later ). 

The {$300.00} incentive corresponds with offers ( 2 ) and ( 3 ) on the attached PDF " BMO XX/XX/2019 promo XXXX ''. I also did offer ( 1 ) and received the {$400.00} bonus for that offer, which is relevant to receiving offer ( 3 ). 

The dispute is with offer ( 2 ). See the attached chat logs for details, but the summary is that BMO Harris says that because I transferred the new money into the checking account I opened for offer ( 1 ), then immediately into the money market account to start the 90 day timer, that I did not satisfy the " new money '' requirement. 

I think this is a disingenuous interpretation of " not currently on deposit at BMO Harris Bank or its affiliates ''. You can see from the attached account history images that I transferred the money into the Money Market account on the same day that it transferred to BMO 's checking account from an external source. I could have withdrawn the money from the checking account at a branch, held the {$10000.00} in cash for two seconds, and then deposited the " new money '' into the money market account. But that kind of nonsense would be a waste of everyone 's time. I expect better of myself and I expect better of BMO Harris as well.
Consumer complaint received 2022-11-17
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. (PA)

Every time someone goes to pull my equifax fax or I try to look at my equifax fax score it says it's currently nothing available and when people try to pull it nothing comes up, it says that it's locked and when I call Equifax they stated that it was never locked to begin with
Consumer complaint received 2019-10-11
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I disputed the account in the amount of {$1300.00} that I do not owe and I received a tuped copy and not a bill. Not a contract with my signature, social security or identification attached. Now in their letter they said this is accurate proof which is a lie. In my validation letter I asked the following : 1. Assignment clause 2. Signed contract with social 3. Copy of charges or statements and/or copy of whatever you have to prove this is 100 % accurate. 


None of this was submitted so they failed to prove 100 % accurate as per fair credit act.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (PA)

This lvnv collection is the 4th collection on this account. This XXXX XXXX already took me to court to get their money and then they put it back in collections. This card was closed in XXXX and has Been in collections. I disputed the amount owed ut only had a XXXX limit and the account is old and should be removed even if they keep selling it does nit make it new. How can it be opened in XXXX but last use if it was XXXX? It can't they are liars and this has already been settled please close this account no more reporting it. This is for XXXX XXXX XXXX account has been closed since we XXXX. Please do not give them my updated address they don't need it this account is 9 years closed
Consumer complaint received 2023-03-21
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: Experian Information Solutions Inc. (AZ)

I am diligently checking my consumer report and I have found reportings that are violating my rights as a consumer. I need this item to be updated as paid on time as it is hurting my good name. The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are violating my rights under 15 USC CODE 1681a- definitions ; rules of construction | US CODE | US LAW | Lii / legal formation institute 15 U.S Code ; 1681 S-2 - responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC ; 1681a 2 ( A ) ( i ) except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s -3 of this title, any- ( i ) reporting containing information solely as to transactions or EXPERIENCES between the consumer and the person making the report ;
Consumer complaint received 2023-03-21
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. (TX)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION (GA)

I am victim of identity theft and this information is fraudulent and needs to be removed from all my consumer reports it is effecting my livelihood. XXXX XXXX is in violation of FCRA for unlawfully reporting fraudulent unauthorized information on my consumer report
Consumer complaint received 2023-03-21
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. (TX)

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 items 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 items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XX/XX/XXXX XXXX Balance : {$1700.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}
Consumer complaint received 2023-03-21
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. (MA)

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 items 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 items : XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NV)

Sequium Asset Solution Acc # XXXX trying to collect account is been paid I'll talk to companies representative and they didn't find the account assuming its a mistake XXXX   XXXX stills providing me service Please delete this account out of my credit bureaus
Consumer complaint received 2016-01-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (MD)

A dispute was submitted to Equifax on XXXX/XXXX/XXXX due to an account being inaccurately reporting on my Consumer Credit Report. Supporting documents were submitted from the data furnisher that I received to support my claim that the account was being inaccurately reported on my Consumer Credit Report. Equifax failed to investigate the matter properly in addition to disregarding the supporting evidence. A Complaint was submitted through the CFPB porthole with respect to this matter on XXXX/XXXX/XXXX # XXXX and the inaccurate account has been under investigation from XXXX/XXXX/XXXX until the present day. ( See Attachments ) A Consumer Reporting Agency 's reinvestigation obligation is to verify the accuracy of its original source of information. This duty may include going beyond the original source. Whether the credit reporting agency must go beyond the original source depends on a number of factors, including : ( 1 ) whether the consumer has alerted the CRA that the original source may be unreliable ; ( 2 ) whether the CRA itself knows or should know that the original source is unreliable ; and ( XXXX ) the comparative costs of verifying the accuracy of the original sources versus the potential harm the inaccurate information XXXX cause the consumer. See : XXXX v. XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX ( XXXX ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ( A ) promptly DELETE all information which can not be verified. Pursuant to the FCRA in 609 ( c ) ( 2 ) ( E ) ; " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated and or can not be verified. I request my private right of action pursuant but not limited to 15 U.S.C. 1681s-2, 15 U.S.C. 1681s-2b and 15 U.S.C. 1681s-2 ( 6 ) ( A ) ( B ) and ( XXXX U.S.C. 1692g ). Account number XXXX from XXXX XXXX is reporting inaccurate. The account inaccurately reported for months has caused me to be denied credit, higher interest rates, etc.,. This is my final attempt to clear to resolve this matter privately before taking my arguments into a court of competent jurisdiction.
Consumer complaint received 2017-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (SC)

This company Professional Debt Mediation contacted me today about an account that I am not responsible for. The guy whom I spoke with was very rude and very unprofessional. I tired to explain to him that the property   XXXX   XXXX   I never stayed in. However, I did apply but my credit was never ran and the property manager   XXXX   XXXX   advised me that I had nothing to worry about because he did n't run my credit and asked that I paid him {$390.00} under the table in order for him to approve my application without running my credit. So, today I get a call about an unpaid balance of {$1500.00} that I know I do n't owe. I advised the guy to cease and desist he still proceeds to collect information. I called back to get the company name and some guy refused to tell me the name other than PDM, I asked several times the meaning he refused and hung up on me, unprofessional. I will be seeking an attorney, and I will file a suit against Professional Debt Mediation along with   XXXX   XXXX  .
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I received a promotional offer in the mail from capital one for a capital one XXXX  card. the offer stated that new card holders would receive a XXXX $ bonus after spending XXXX $ within the first 3 months. 

There was a scannable QR code to see if you are approved. after getting approved I was able to meet the requirements within a month and have been waiting for the money to be credited to my account. 

After calling today and speaking with a representative I am then told that there are multiple XXXX cards with different rewards and the XXXX card that i was accepted for does not offer the XXXX $ reward.