davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cadence Bank (MS)

In XXXX of 2020 my insurance company reached out to my lender XXXX XXXX at Bancorp South and asked for a payment for the escrowed amount owed. He asked for a statement and the insurance sent it over. The company sent it over with my name XXXX XXXX and in the name of our Company XXXX  XXXX XXXX XXXX. Instead of adding my husbands name XXXX who is the loan holder. XXXX after several emails to the insurance company never expressed the issue nor did he call me to correct it very quickly. He allowed the insurance to laps and Bxs put their backup policy on it with out my knowledge. In XX/XX/2020 Hurricane Sally hit and we had Loss of Use and some damage to the condo. I went to file the loss on my policy, only to be told I was NOT insured. After much discussion and communication ( see attachment ) I reached out to the Customer Service dept at XXXX, after I got no help from XXXX. To be clear, I was never informed that due to a clerical issue the escrowed amount would not be released, and never did my mortgage payment change to reflect that. I investigated further and the small act of XXXX calling me and or speaking to my insurance rep about the issue would have set in motion the adding and or changing of the policy name to as simple as a call. Bancorp South has my complaint in house for over a month and are now not returned my calls. 

Due to my not being able to claim Loss of Use and receive funds to compensate and the fact that I can not rent my condo means I am at a deficit. I am close to not being able to pay my mortgage and loosing my property. I need a resolution and I want XXXX to reimburse me what I would have relieved from my insurance company to keep afloat.
Consumer complaint received 2018-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MA)

Since XX/XX/XXXX when I received a copy of my credit report I noticed I have a XXXX account sent to collections for an account #, phone # & debt amount {$660.00} I never knew about or have had, I tried to contact XXXXS financial dept, fraud dept, etc. & keep getting transferred from one department to another & getting the run around on this matter. I have had my current account # & phone number since I first received my services with XXXX XXXX in XX/XX/XXXX nothing has ever changed/added to my account it has been the same since. I have all my bills since when I first got services with XXXX XXXX on the same account # & phone # not once did I receive a payment with that other account I never had any knowledge of.
Consumer complaint received 2022-05-03
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. (GA)

There are some item resolve, closed, charged off, paid off and clear on 2020. Still showing on my credit report. I contact credit card company and they can not help me, because they already received payment and account has been closed. Credit bureau is not removing it from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  and XXXX XXXX XXXX showing on my report as Red flag. Which is costing me lower credit score, unable to buy car and many other issues. Please help.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST HORIZON BANK (TX)

This dispute is in reference to inaccurate reporting of a late payment on a closed auto loan with Iberia Bank on my credit report. 

I purchased a vehicle with XXXX XXXX XXXX on XX/XX/XXXX and traded in a XXXX XXXX XXXX XXXX : XXXX. There were several issues on the dealerships part with funding the new vehicle therefore, the final auto loan payoff to Iberia Bank was not submitted in a timely manner by the dealership. 

This in no way was my fault and prior to this incident I had never had a late payment on this loan. XXXX XXXX XXXX takes responsibility for paying off the XXXX XXXX XXXX late. ( See attached letter ) XXXX XXXX XXXX in a letter to Iberia Bank sent on XX/XX/XXXX detailed this issue and asked for any derogatory credit to be removed in reference the paid off an auto loan with Iberia Bank. 

If you have any further questions regarding this matter you may contact XXXX XXXX XXXX at XXXX.
Consumer complaint received 2018-03-09
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: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I contacted XXXX with XXXX XXXX XXXX XXXX in concerns with a listing on my credit report in the amount of {$470.00}. XXXX stated that she checked he system and wasn't sure of why her company is listed on my credit report. She then stated that she is the assistant manager and she is not sure the debt is even true. She advised me to contact XXXX XXXX and see what information they have because if its being reported by them then that means they no longer own the debt and she doesn't want to discuss something that she knows nothing about. On XX/XX/XXXX I contacted the XXXX in regards to a listing on my credit report. I spoke to a rep by the name of XXXX Id # ( XXXX ) I advised him that I wanted to file a dispute with a company called XXXX XXXX XXXXXXXX in the amount of {$470.00}. XXXX was very unhelpful, he basically refused to file my complaint. I contacted XXXX XXXX on XX/XX/XXXX and spoke to the rep by the name of XXXX Id # ( XXXX ). I contacted her because I was concerned with this item that listed on my XXXX report and also listed on my Husbands XXXX, XXXX, Experian report, which he has made several attempts to solve this issue with them also. XXXX advised me that she has no item in her system for this amount and was unaware of the account in questioned. On XX/XX/XXXX I contacted the National Legal Aid for assistance
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (ID)

XXXX with whom I have a 1st Mortgage loan in XXXX provided me with a loan modifications in XXXX after I contact them requesting the cares act relief as I was diagnosed in XXXX XXXX in XXXX of XXXX. The modifications was written to stop the loan due dates in XXXX through XXXX and reset in XXXX of XXXX and defer to end of loan. Then payments partial until XXXX of XXXX them pay 6 months consecutive and then refi to a home equity loan. I was told the dates would be forgiven and not report late or partial for the XXXX through XXXX. I went to refi my loan in XX/XX/XXXX and was not able to get all the documents in on time and now in XX/XX/XXXX went to look into gov programs for special rates. I checked XXXX XXXX and my credit had fallen under XXXX and was furious. My XXXX was reporting my loan as a standard revolving account loan and all of the dates from modifications were XXXX XXXX and 90 days late. And my other accounts were closed due to low credit score. Credit utilization 444 % even though paid on time. I tried to get a loan with XXXXXXXX XXXX XXXX to pay those off and was denied because of the debt income ratio and to refi loan with XXXX and dispute to have credit fixes. I wrote to XXXX as well as dispute 3 credit reports and XXXX replied reporting correctly and my loan modifications report correctly. I am currently refi with XXXX taking over 5 weeks and they refuse to fix credit report only mini refi paying all my debts not allowing me to keep my car loan or my prepaid credit cards. I have dispute with the XXXX their CEO and nothing has changed.
Consumer complaint received 2018-10-11
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: Experian Information Solutions Inc. (TX)

Step 1 : XXXX XXXX XXXX added a delinquent payment into my credit report without EVER contacting me about this late payment. Their claim is that my number was on a " Do not call '' list ( which I definitely didn't request to be on ). I am a co-signer for my mothers account. I was unaware that she had missed a payment. XXXX has my number on record and failed to call me in order to charge this payment, because of their excuse I was on the do not call list. So Instead, they submitted this late payment into my credit report, which has subsequently greatly damaged my credit. 

Step 2 : I have since signed up for auto-pay with my bank information so that a late payment will never happen again ( and my mother is now paying me monthly ). I also wrote a letter to XXXX explaining the mishap and kindly asked to remove my late payment from my credit report. ( Especially since XXXX 's negligence has greatly impacted by ability to currently obtain a mortgage ). 

Step 3 : XXXX responded with a letter stating " we have researched our records and have determined that the information reflected in our records is correct and are reporting your account to the credit reporting agencies '' Step 4 : XXXX XXXX XXXX never offered me a chance to make this payment. They never called, emailed, or wrote me a letter about this payment, yet they still reported me to the credit agency. 

I would like XXXX XXXX XXXX to fix what was wrongly done. 

Companies Involved : XXXX  XXXX, XXXX, Experian, XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2023-07-03
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. (NY)

I am writing this complaint to XXXX. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-12-23
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. XXXX is reporting late as reported in XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX
Consumer complaint received 2020-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my 3rd time sending out a request to this company and they have failed to validate the following inaccurate accounts on my credit report.
Consumer complaint received 2022-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I was made aware of fraudulent accounts, checking, savings, debit and credit cards, that were opened and issued in my name by persons unknown to me through Bank of America around XX/XX/2022. I wasn't aware of this until XX/XX/2022 when a debit card arrived in my mail. I have never had or applied for any Bank of America accounts of any kind. I immediately contacted Bank of America to report these accounts as fraudulent due to identity theft and requested they close these accounts immediately. I had to call them back dozens of times from XX/XX/XXXX as the fraudulent accounts all remained open. My latest call was XX/XX/XXXX as I received a statement for these accounts showing them still to be open. I have filled out and sent back to B of A the fraud report as requested by them including a copy of my picture I.D . and it was received by them on XX/XX/XXXX as verified by the required signature delivery I paid for when mailing it back to them. I have repeatedly requested all accounts in my name to be closed and confirmation of this action to be sent to me and this has not happened. I have told them in virtually every conversation and correspondence that there security to prevent fraud really needs to be updated and overhauled as this never would have happened to me if they had done a better job verifying the personal information used to open these fraudulent accounts. 
At this point I am very angry and frustrated with Bank of America as they have still not sent me any confirmation that all accounts and cards in my name through their bank are closed and acknowledged as opened fraudulently through i.d.theft. 
With how I have bean treated by Bank of America having to make over a dozen calls and spending well over 8 hours total on the phone being transferred and placed on hold without a resolution to my issue, I would never even think of using Bank of America for any of my financial needs.
Consumer complaint received 2018-03-09
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: EQUIFAX, INC. (GA)

On XX/XX/XXXX I contacted XXXX with XXXX at XXXX XXXX in concerns with a listing on my credit report in the amount of {$470.00}. XXXX stated that she checked he system and wasn't sure of why her company is listed on my credit report. She then stated that she is the assistant manager and she is not sure the debt is even true. She advised me to contact XXXX XXXX and see what information they have because if its being reported by them then that means they no longer own the debt and she doesn't want to discuss something that she knows nothing about. On XX/XX/XXXX I contacted the Equifax in regards to a listing on my credit report. I spoke to a rep by the name of XXXX Id # ( XXXX ) I advised him that I wanted to file a dispute with a company called XXXX 's XXXX in the amount of {$470.00}. XXXX was very unhelpful, he basically refused to file my complaint. I contacted XXXX XXXX on XX/XX/XXXX and spoke to the rep by the name of XXXX Id # ( XXXX ). I contacted her because I was concerned with this item that listed on my Equifax report and also listed on my Husbands Equifax, XXXX, XXXX report, which he has made several attempts to solve this issue with them also. XXXX advised me that she has no item in her system for this amount and was unaware of the account in questioned. On XX/XX/XXXX I contacted the National Legal Aid for assistance
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (GA)

Navient is violating my FCRA rights and the credit bureaus are allowing them to report inaccurate information. This is for 2 loans that I have. A close date only reports on XXXX. There isnt any on XXXX  or XXXX. The original contact was with Sallie Mae. 

If this company doesnt remove the accurately report this or remove the account within 30 days, my attorney will file a lawsuit in XXXX County, GA for violating my FCRA. XXXX  should remove because they violated all inaccuracies in XXXX. 

The last activity date on XXXX is XX/XX/XXXX but is XX/XX/XXXX on XXXX. No DOLA activity is shown on XXXX. The terms arent shown on XXXX. 

The other account shows XX/XX/XXXX and XX/XX/XXXX as the close dates. 

A high balance isnt shown on XXXX. 

In addition, a 90 days past due is constantly reporting on XXXX and XXXX. There shouldnt be any delinquencies after the close date. 

Also, why are there any 30 or 60 day late payments? Where is the payment history from XXXX until now? Shouldnt the account be removed from the first date of delinquency. If you check XXXX XXXX credit report there are delinquencies from XXXX which means this account should be immediately removed and not in XXXX. 

This historical information is incorrect and reports a past due amount and does not show history from XXXX. 

This account has many issues which can be proved in a court of law. Plus this creditor continues to validate inaccurate information.
Consumer complaint received 2018-10-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Dear CFPB official, I am a customer of Chase Bank in XXXX ( XXXX XXXX ). On the XXXX and XX/XX/XXXX there has been some restaurant shopping in XXXX, CA, XXXX XXXX, CA and XXXX XXXX, NV totalling approximately {$130.00} with my debit card. During these dates ( XX/XX/XXXX and XXXX ) I was out of state in Utah and Idaho with my family for holiday. The debit card which was claimed as physically used in California ( where my residence is ) fro restaurant shopping, was also with me in my wallet. After I came back from holiday I noticed these suspicious transactions and called the fraud line. They cancelled the old card and told me to destroy it which I did. They said they will do an investigation and come back to me. They did actually and they debited my account for these transactions as they believe I did these transactions in person and try to deceive the Chase Bank as if I never did. And this is totally unacceptable to me. I never ever my entire life went to those restaurants ( XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX ) let aside dining there. 
I say the debit card was with me at the time of incident and they say the vendor told the card was physically used at the shopping. So there are three possibilities either I am lying ( which I dont! ) or the vendor is lying or the debit card is copied. So the officials of Chase Bank told me today that they believe the vendors not me. They don't even use the benefit of the doubt that I might be saying the truth! They told me that I can go to the Police! 
As an ex-XXXX for 25 years, this approach is totally unacceptable and I can't and I won't tolerate this treatment. 
I was out of state and I can prove with my XXXX XXXX XXXX Credit card statement as there are transactions I did on the day of this incident where I was in Utah and Idaho. One can spot my location ( and my family 's location through my operator XXXX at the time of this incident ). 
In the meantime, I almost never use my debit card except for gas stations ( seldom ) and for my daughter 's tennis club payments. So this is clearly a fraud which involved copying of my card and for that as a customer there is nothing I can do. The Chase Bank should accept this and stop accusing me as if I am a thief. The Fraud department should do their job properly and stop engaging prejudice against the customers and try to listen to them as well and use the benefit of the doubt when possible. 
Since they told me today there is nothing I can do within Chase Bank I am writing to you. I hope you can help me to get my rights. I am not after a 100 plus dollars but I am after my reputation. I want Chase Bank to give those amount back to my account and apologize for what they did. 
Thank you very much for your help best regards, XXXX XXXX
Consumer complaint received 2023-04-07
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Accounts has violated my rights, XXXX XXXX XXXX ACCT. # XXXX, XXXXXXXX XXXX XXXX acct. # XXXX XXXX acct. # XXXX, XXXX XXXX XXXX, acct. # XXXXXXXX XXXX XXXX XXXX acct. # XXXX XXXX XXXXacct. # XXXX my nights.

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 acodunt without my written instructions
Consumer complaint received 2023-04-07
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. (PA)

This complaint is my follow-up to my previous complaint. These items are needed for deletion immediately and this complaint is to notify you to remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2022-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NJ)

I am disputing this debt because I do not owe it. The creditor XXXX has apparently sold a debt that does not belong to me to a company, known as, " Credence Resource Management '' in the amount of {$330.00}. This company has not contacted me or was able to verify this debt belongs to me. I was notified of a collection on my XXXX report and disputed the amount immediately upon notification on XX/XX/2022. XXXX was able to verify that the debt does not belong to me and Credence Resource Management has the wrong SSN. XXXX confirmed the dispute and removal however, Credence Resource Management has once again reported a collection on my account as of XX/XX/2022. I called XXXX and made them aware who suggested to file a complaint in order to proceed as this collection is greatly affecting my credit history and credit score. I have had no issues with any credit in the past and have always been diligent on my payments. This debt is invalid, does not belong to me and is considered fraud on Credence Resource Management for trying to collect a debt belonging to the wrong person. This is an issue of identify theft.