davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have reached out to XXXX to let them know they were reporting incorrect payment for XX/XX/2019. They stated that they would update the credit bureaus to reflect no late payment for XX/XX/2019. I decided to check my reports due to an alert indicating XXXX being reinvestigated, only to find out that XXXX has made the dispute worst by continuously report incorrect information to both Experian and XXXX. I contacted both agencies and this is what they said to me : " Experian stated that they received an electronic notification back from XXXX indicating a 30-day late payment for XX/XX/2019 is correct. XXXX   stated that they received an electronic notification from XXXX indicating a 60-day late payment for XX/XX/2019 is correct but they did not provide any actual or physical supporting documentation to support their claim but stating account has been 30 to 60 day late and verified payment for XXXX is correct. '' XXXX has sent me documents to show that I was never late in XX/XX/2019, yet they are still reporting to the above credit bureaus that I am. I have sent those same documents to both credit bureaus to correct the XX/XX/2019 payment to reflect Ok- paid as agreed. They will not change it because they said it's the creditor ( XXXX ) responsibility to make the change. Per the Fair Credit Report Act, the creditor & credit bureau must report accurate and verifiable information. In this case, they both are clearly in violation of the FCRA Law and they have caused major damaged to my credit rating and score since XX/XX/2019 to current. 

Facts : Home was sold onXX/XX/19 and XXXX received full payoff as of XX/XX/2019. So, how can I be 30 or 60 days late for XX/XX/2019 when they received full payment on the loan with the  documents attached. By the way, 30 days late does not start until XX/XX/2019, and loan was paid off on XX/XX/2019..less than 30 or 60 days late? The fact of the matter is, they are reporting incorrect lates against me for XX/XX/2019 with Experian and XXXX. If this is not corrected in a timely matter, I will be seeking legal counsel for damages. 

Enclosures : Experian Credit Report for XXXX XXXX  Credit Report for XXXX XXXX XX/XX/2019 History to prove I was never late in XX/XX/2019 Closing Disclosure dated XX/XX/2019 from the sale of the home Escrow Refund Check dated XX/XX/19 P.S. How can I be 30 to 60 days late for XX/XX/2019 when the loan closed on XX/XX/2019 and the Cancellation Of Deed To Secure Debt dated XX/XX/2019 does not constitute a late payment when XXXX received all funds on XX/XX/2019.
Consumer complaint received 2019-09-22
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. (GA)

I have reached out to XXXX to let them know they were reporting incorrect payment for XX/XX/2019 They stated that they would update the credit bureaus to reflect no late payment for XX/XX/2019. I decided to check my reports due to an alert indicating XXXX being reinvestigated, only to find out that XXXX has made the dispute worst by continuously report incorrect information to both XXXX and Equifax. I contacted both agencies and this is what they said to me : " XXXX  stated that they received an electronic notification back from XXXX indicating a 30-day late payment for XX/XX/2019 is correct. Equifax stated that they received an electronic notification from XXXX indicating a 60-day late payment for XX/XX/2019is correct but they did not provide any actual or physical supporting documentation to support their claim but stating account has been 30 to 60 day late and verified payment for XXXX is correct. '' XXXX has sent me documents to show that I was never late in XX/XX/2019, yet they are still reporting to the above credit bureaus that I am. I have sent those same documents to both credit bureaus to correct the XX/XX/2019 payment to reflect Ok- paid as agreed. They will not change it because they said it's the creditor ( XXXX ) responsibility to make the change. Per the Fair Credit Report Act, the creditor & credit bureau must report accurate and verifiable information. In this case, they both are clearly in violation of the FCRA Law and they have caused major damaged to my credit rating and score since XX/XX/2019to current. 

Facts : Home was sold on XX/XX/19 and XXXX received full payoff as of XX/XX/2019. So, how can I be 30 or 60 days late for XX/XX/2019when they received full payment on the loan with the documents attached. By the way, 30 days late does not start until XX/XX/2019, and loan was paid off on XX/XX/2019..less than 30 or  60 days late? The fact of the matter is, they are reporting incorrect lates against me for XX/XX/2019 with XXXX and Equifax. If this is not corrected in a timely matter, I will be seeking legal counsel for damages. 

Enclosures : XXXX Credit Report for XXXX Equifax Credit Report for XXXX XXXX XX/XX/2019 History to prove I was never late in XX/XX/2019 Closing Disclosure dated XX/XX/2019 from the sale of the home Escrow Refund Check dated XX/XX/19 P.S. How can I be 30 to 60 days late for XX/XX/2019 when the loan closed on XX/XX/2019 and the Cancellation Of Deed To Secure Debt dated XX/XX/2019 does not constitute a late payment when XXXX received all funds on XX/XX/2019.
Consumer complaint received 2019-09-30
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. (NY)

I previously disputed a student loan from XXXX XXXX XXXX with the credit bureaus that was unfamiliar to me and they have came back verified. I received a promissory note in the mail which I signed but it was never with XXXX XXXX XXXX. The promissory note that I signed agreeing to the loan is with XXXX not with XXXX XXXX XXXX.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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 # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # 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 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 2019-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (NJ)

I was a victim of identity theft. an American express credit card was open under my name. when I called AMEX to resolve this issue, or try to have it removed from my credit history, they told me that I wouldn't be able to dispute this issue because there were payments made to this credit card from a XXXX XXXX bank acct, which I do not have. the person who opened this credit card probably made payments from his/her personal account various times which is their reasoning for why I can not dispute this issue anymore although these payments were made years ago.
Consumer complaint received 2019-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I have had nothing but problems with Loancare and no one at the company will help me!! They keep putting me on hold and then disconnecting my call. I am in tears as I write this because I am a very responsible person and make my payments ahead of schedule EVERY month!! I login today to make my payment before the XXXX of XXXX - it is supposed to be {$36.00}, and for some reason the payment requested is {$110.00}??? Mind you, I have a printed bill from Loancare stating my bill is {$36.00}, but they are telling me I owe 3 times more than that online and on the phone. They will not put me in contact with a supervisor to fix the issue and my payment is due tomorrow!! I don't know what to do! I am not going to pay a bill that is clearly inaccurate when I have proof of making my payments on time every month via bank statements and their bill saying what I really owe. I feel helpless and this is my first home and I have had problems every month just trying to pay my mortgage! I have never been late on a payment. I am going to get a lawyer if this is not resolved
Consumer complaint received 2019-02-11
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. (NY)

Contacted Equifax numerous times regarding my issue with no avail. 


Numerous fraudulent accounts remain on my account. For example, there are 5 hard inquiries I never made that haven't been removed from Equifax, yet they were removed from XXXX and XXXX. 

Also. I told Equifax to physically mail me my disputes and they continue to only offer them online. When I type confirmation in THEY PURPOSELY DONT ALLOW ME TO ACCESS INFO BY SAYING THEY COULD NOT VERIFY ME.REALLY? WHY CANT U BE NORMAL COMPANY AND REQUIRE USERNAME AND PASSWORDS. 

I AM REQUIRING EQUIFAX TO MAIL RESULTS COMMUNICATE WITH ME IN WRITTING VIA STANDARD MAIL! 

SOCIAL SECURITY NUMBER IS XXXX All data below is fraudulent inquiries, accounts and collections REMOVE IMMEDIATELY Inquiry details : XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX Telephone Companies XXXX/XXXX Inquiry from XX/XX/XXXX Mail Order Firms XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX. 

Collections : ( fraud ) XXXX XXXX Sys Opened XX/XX/XXXX {$370.00} Original creditor : XXXX XXXX Accounts open/closed ( fraud ) XXXX   XXXXREMIER {$570.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$33.00} Closed OTHER LOANS XXXX XXXX {$570.00} Closed
Consumer complaint received 2019-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CHERRY CREEK MORTGAGE COMPANY INC. (CO)

On Saturday, XX/XX/XXXX I received a letter from the county of XXXX for a " Delinquent Property Tax Statement. '' I contacted the mortgage broker at Cherry Creek Mortgage Company that did my transaction when I closed on this home in XXXX of 2018. XXXX had my loan from the date of closing until XX/XX/XXXX when it went to XXXX XXXX XXXX. XXXX never paid the first half property taxes that were due on the last day of XXXX. XXXX has taken the stance that even though they didn't pay the property taxes, the current mortgage service provider, XXXX XXXX should pay it because there is plenty of funds in my escrow to do so. 

The reality is I am apparently delinquent on my property taxes due to Cherry Creek Mortgage Company not paying the property taxes and outside of my contact who is a mortgage broker they do not appear to be working to assist this situation getting taken care of efficiently and effectively.
Consumer complaint received 2019-09-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Webcollex, LLC (NJ)

I was contacted by CKS financial through a letter that they are representing XXXX XXXX a debt collector company. I vehemently disputed the incorrect and inconsistent content of their letter. I have sent a request for debt validation to the company since the original lender will not provide me with any documentation.
Consumer complaint received 2019-09-22
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (MO)

Citibank, has ruined my " excellent credit, '' over one late payment in over 18 years with them. I have asked them to re-look at my entire record and they refuse. How can a Credit Card Company ruin an " excellent paying customer ', with one late payment over 18 years of " on time payments, '' most with payment in full? In my opinion, the credit card Citibank is acting as a XXXX to a long term customer. 

Please assist me in exposing this Consumer Abuse to the public. I am also a XXXX XXXX XXXX, Veteran. 

Thank you. 
XXXX XXXX XXXX, XXXX XXXX, XXXX. 

Please do not accept their response without looking at all the documents. Thank you.
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX, XXXX XXXX XXXX XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (WI)

Applied to open new account with Bestbuy and I XXXX XXXX requested information pursuing a new application detailing the credit bureau that you requested verification of my information that you/Citibank said that you was/were unable to verify. 

Upon telephone conversation XXXX XXXX reference file number above ) you/Citibank on XXXX that XX/XX/XXXX would or could not verify my information but in your/citibank XXXX notice, no credit bureau/contact was/were listed in your FRCA notice for me to contact or pursue legal remedies. 

I spoke to your/Citibank representative, they could only tell that you/Citibank ran an inquiry though XX/XX/XXXX and that you/Citibank would/could not send me any notice of your credit bureau contact and only listed you/citibank as the contact person for credit bureau contact. ( See attached XXXX notice ). 

Uon asking for a supervisor, I was transferred to some named XXXX out of Texas and was told the same and they disconnected my call.
Consumer complaint received 2019-09-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

CRA did not respond to method of verification request letter and or delete unverified public records on credit report within 15 business days as required.
Consumer complaint received 2019-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 I called Bank of America cash rewards card to address the fact that I'm currently not making any money and it's difficult for my husband and I to make payments moving forward after XXXX. My husband and I have been using our savings to pay down the debt but we're through with our saved amount. 

I called to express the concern to the credit card company stating the next few months would be hard for us to pay the debt ( Impossible ), until I have a positive cash flow by getting a new job. I don't want any negative marks on our credit and we've been very responsible with our commitment to pay back everything. I asked if we may have a deferment just until I can find a job to pay off the debt. The Only option I was offered was to lower my interest rate and close the credit card ( which I stated I wasn't interested in closing it, I don't want a bad mark on my credit ) and they weren't willing to give me the option to lower my monthly payments either. 

They mentioned the only time they offer a defferment is when a Natural disaster occurs. For example : fires, earthquakes, floods, death.. 

The debt is too hard for my husband and I to handle at this time. 

Our total debt owed is {$9300.00} and our Monthly Payments are {$260.00}.
Consumer complaint received 2019-09-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/2019 at XXXX, the " Cease Order '' on my account was violated when a Wells Fargo representative phoned me at my home. 

In addition, she was quite rude, disrespectful, condescending and dismissive when advising me of what documents are needed for a loan modification. 

On Thursday, XX/XX/2019, I called Wells Fargo to request to start a loan modification. The first gentleman I spoke with became rude after asking me the reason for my " hardship ''. I explained it to him, including how Wells Fargo has increased my payment almost {$1000.00} in the last 10 years and how I hesitated until now, to seek help from them because I do not trust Wells Fargo and fear they are trying to take my home. 
He became irate, stating " Wells Fargo doesn't want your house! We have investors who are interested in buying your property ... '' I then hung up the phone, I was very upset. 

After calming down, later that same day, I called again and got a female representative and again, began trying to apply for the a loan modification. 
She was a bit more professional, so I continued with the initial " welcome '' process. The call ended with my understanding that the application will be mailed, what documents I needed to submit with it and that due to the cease order on my account, SHE COULD NOT CALL ME, I WAS TO CALL HER WHEN I RECEIVED THE MAILING. 

When I tried to remind her that we spoke on the XXXX, that I understand what was expected of me and that I did not receive anything yet, she started " talking down to me '', like I was a child or something. She then stated, " Look, I have over a hundred other clients to deal with, so ... '' At that time I interrupted her and stated that I would like to withdraw my application immediately and I hung up. 

In closing, be advised that this is the 2nd attempt I have made to apply for a DESPERATELY NEEDED LOAN MODIFICATION. But, due to Wells Fargo 's unprofessional representatives, I really do not trust that my situation will be treated fair, accurate or even courteous. 
Please help.
Consumer complaint received 2023-03-17
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. (TN)

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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or the 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 an 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 or 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 2019-09-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (NY)

On XX/XX/XXXX I cancelled my gym membership with XXXX XXXX. 
On or about XX/XX/XXXX, I received a debt collections notice from First Credit Services, dated XX/XX/XXXX. 

First Credit Services was immediately contacted and requested debt validation as granted per the FairDebtCollection Practices Act. In addition, this request was also submitted in writing on XX/XX/XXXX. First Credit Services was obligated to respond within 30 days failed to respond to the written request knowing they were obligated to respond to the debt validation request within the statutory time limit ; however, they failed to respond. 

On XX/XX/XXXX a follow-up letter was sent to First Credit Services, requesting debt validation as per the Fair Debt Collection Practices Act, and reminded that they are required to respond to my request for validation within 30 days of receipt ; however, they did not respond.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I just received my payment status changed from current to late for specific dates. These dates include XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XXXX XXXX i was never late on this account during those periods. 
I asked the company multiple times to provide evidence of any transactions showing that you were late. This is a reasonable request, especially if you believe their reporting is inaccurate. In referenced USC 15 1666B, which is a provision in the U.S. Code related to the timing of payments. The 15 U.S. Code 1666b outlines the timing of payments for credit card accounts under open-end consumer credit plans .Please investigate and provide proof and or statements showing that these late payments was late if proof can not be provided i demand these payments be update as current and paid on time
Consumer complaint received 2017-12-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I currently have an open automobile account with XXXX XXXX XXXX and I disputed the dates that were not showing as they havent reported the account current to the month of XXXX it was only showing since XXXX now Equifax removed the account from my Equifax report although my account is current and still going also on my XXXX XXXX report they increased my amount by {$260.00} with no reason after I called XXXX it shows that is incorrect! I want equifax to put the account back on file as it was and XXXX XXXX   to correct the amount owed to XXXX XXXX XXXX immediately.