davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (AZ)

I applied for a mortgage loan in XX/XX/XXXX with fairway Independent mortgage company. I was told to submit bank statements, pay stubs, drivers license, social security card. I was told that they were a independent mortgage company and that they would be able to help me get a mortgage. They also told me to download their app to submitt my documents. So I did. I would periodically check the app to see if any progress was made, since I didn't hear anything from them.I did see at one time that I was being approved for a loan amount of XXXX. I thought someone would contact me. I had no correspondence from this company in about 30 days.I called to see what was going on with the loan about mid XXXX. They told me that if I paid off 2 credit cards that they could do a rapid credit score and my score would be over 700. So I paid off the cards. I still didn't here any thing from them. I called countless times to reach some one to no avail. In about late XXXX I called again. I finally reached someone. I was told that I got approved for XXXX. I still hadn't received any thing in writing. As a matter of fact I checked the app where I submitted all my personal information. Everything has been taken away. The last time I spoke to them in late XXXX. I was promised some correspondence by XX/XX/XXXX. I have heard nothing. They have my social security number and very personal information in their possession. I am very worried about it.
Consumer complaint received 2021-07-21
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. (GA)

I have a fraudulent account reporting onto my credit report. I have pointed this out to XXXX, XXXX, and Experian. XXXX  and XXXX has resolved the issue. The results from XXXX has came back as deleted but Experian has not resolved the issue. I have sent Experian several FTC reports and several lettersXXXXExperian has ignored all letters and FTC reports. Every time I call Experian, they tell me that they did not receive my FTC report, with is a lie because I sent my letters certified mail. My certified mail shows me that they have received all of my letters. Experian has violated several of my rights and they have not taken my situation seriously. I have not receive any results from them. They have not responded to any of my letters at all. I have not receive any letters from them in the mail.
Consumer complaint received 2019-07-17
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. (CO)

I recently pulled my credit report from all 3 bureaus and found many errors that I have requested to be updated or removed and the bureaus are not doing as I ask. They will simply put a statement that says " Meets the requirements of the FCRA '' but it does not meet the requirements when section 602 is being violated. I ask for physical, documented proof that these accounts are mine and they REFUSE to provide the information requested. 

1. A company by the name of XXXX XXXX is reporting a XXXX  XXXX account that has been turned over for collections. They list is as being opened on XXXX but no inquiry shows up on my files to show that I even applied for an account with XXXX XXXX because I never had an account with them that was a sole account of mine. When I call this company they will not provide me with the original contract, why? Because NO CONTRACT exists. The credit bureaus are in pure violation of Metro 2 Compliance that specifically says all information being reported to the credit bureaus must meet certain and proper formatting and they do not. Much of the information is missing and this is a Metro 2 Compliance violation. This account with XXXX funding is only listing XXXX no one can legally contact XXXX XXXX with such account information and therefore it is incomplete and a major violation. 

XXXX. XXXX XXXX is reporting an account, once again the bureaus say it meets the requirements of the FCRA, I am demanding written proof, meaning a hand signed contract that says this account is mine. I have never had verizon and yet they are reporting this on my files. Also incomplete and missing information makes it very hard to validate so once again a Metro 2 Compliance violation is taking place. The only thing being reported is a partial account listed as XXXX this is not a valid account number and needs to be removed immediately or send me verification in the form of a signed contract from the creditor showing this is mine. 

XXXX. Also they each have many old addresses being reported on my files along with many names that are incorrect and need to be removed. The only thing that should be reporting is my current address of XXXX XXXX XXXX Colorado XXXX, CO XXXX, and XXXX names XXXX XXXX and XXXX XXXX XXXX. 

Immediately removal of the above information is demanded or I want them investigated for FCRA Violations. 

3.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I recently pulled my credit report from all 3 bureaus and found many errors that I have requested to be updated or removed and the bureaus are not doing as I ask. They will simply put a statement that says " Meets the requirements of the FCRA '' but it does not meet the requirements when section 602 is being violated. I ask for physical, documented proof that these accounts are mine and they REFUSE to provide the information requested. 

1. A company by the name of XXXX XXXX is reporting a XXXX  XXXX account that has been turned over for collections. They list is as being opened on XX/XX/2017 but no inquiry shows up on my files to show that I even applied for an account with XXXX XXXX because I never had an account with them that was a sole account of mine. When I call this company they will not provide me with the original contract, why? Because NO CONTRACT exists. The credit bureaus are in pure violation of Metro 2 Compliance that specifically says all information being reported to the credit bureaus must meet certain and proper formatting and they do not. Much of the information is missing and this is a Metro 2 Compliance violation. This account with XXXX XXXX is only listing XXXX no one can legally contact XXXX XXXX with such account information and therefore it is incomplete and a major violation. 

2. XXXX XXXX is reporting an account, once again the bureaus say it meets the requirements of the FCRA, I am demanding written proof, meaning a hand signed contract that says this account is mine. I have never had XXXX and yet they are reporting this on my files. Also incomplete and missing information makes it very hard to validate so once again a Metro 2 Compliance violation is taking place. The only thing being reported is a partial account listed as XXXX this is not a valid account number and needs to be removed immediately or send me verification in the form of a signed contract from the creditor showing this is mine. 

3. Also they each have many old addresses being reported on my files along with many names that are incorrect and need to be removed. The only thing that should be reporting is my current address of XXXX XXXX XXXX XXXX XXXX, CO XXXX, and two names XXXX XXXX and XXXX XXXX XXXX. 

Immediately removal of the above information is demanded or I want them investigated for FCRA Violations. 

3.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have requested items on my credit report be validated because there is information on my credit report that is inaccurate, there is identity theft. My credit report by law should have 100 % accurate and verified information and right now it does not. I'm asking these items to validate or remove from my credit report, which is the law. 

Thank you
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MN)

Minnesota has a statute,13.016, which provides that a security freeze may be lifted by a person if the person provides any form of information which identifies the person. Notwithstanding this law, Experian will not lift a security freeze unless the person provides information about where that person has lived for the past two years. It enforced this policy in XX/XX/2019 when I sought to lift the security freeze on my credit report temporarily. I have sent Experian the statutory cite and a copy of the statute. It refuses to accept the fact that Minnesota law is different. Where I have lived for the past two years is nobody 's business. I should be able to use my social security number to prove my identity.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Company has deliberately listed my account 30 days late in 2019 when it was not, payment was made XX/XX/XXXX to XXXX balance and company has yet to update report. Requested twice for correct information and company has not updated information to credit agencies hindering mortgage purchase
Consumer complaint received 2021-03-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

I have made an account with Coinbase and purchased some Bitcoin. This occurred over 2 months ago. From the day I purchased it, Bitcoin have locked me out of my account preventing me from accessing my money. I have contacted the company and they closed my case after 1 month saying that theyve resolved the issue when in fact they have not.
Consumer complaint received 2019-05-05
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. (FL)

I sent a certified letter to XXXX XXXX XXXX ( XXXX  ) on XX/XX/XXXX that was signed for on XX/XX/XXXX. The letter was a formal notice of dispute. I received a reply from XXXX dated XX/XX/XXXX stating that their investigation was complete and stated the account was being reported correctly. 

I waited 37 days to verify XXXX violated the Fair Credit Reporting Act, Section 623 ( a )  ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. 

I sent a certified letter to Experian stating that XXXX did not notify Experian about my dispute along with a copy of my initial dispute letter to XXXX, proof of delivery, credit report dated XX/XX/XXXX, and a credit report dated XX/XX/XXXX to show that the notice of dispute statement was not reported. 

Experian has disregarded my proof of XXXX XXXX XXXX XXXX violation of the law and refuses to remove this trade-line.
Consumer complaint received 2022-12-01
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. (KS)

15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2019-07-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY (GA)

I had an American Express personal credit card. I actually had 3 of them. When I began having financial difficulty due to the economy in XXXX, I attempted to contact American Express and asked them to consolidate all three cards so that I might make one payment and it would not be so confusing to have 3 different due dates. They would not do this. As I fell further behind, two of the cards were repeatedly switched to many different collection agencies and it became hard to tell if the people calling were legitimate or not. The card with the highest balance seemed to remain with American Express, not a collection agency. I began trying to pay the other two cards but none of the agencies involved could tell me if the debt would be eliminated if I continued to pay or if I completed the " program ''. So, I stopped paying them. The card that seemed to remain with American Express was not offered to settle. In XXXX of XXXX, I received a call from an " attorney '' who said he represented American Express and wanted to know my situation. I spoke to him and he never offered to settle this debt. Just now, on XX/XX/XXXX, I was " served '' at my door with a lawsuit regarding this card. I question who filed this case and the validity of it because it says the plaintiff is " American Express National Bank ''. Everything I have read says this entity is the branch of American Express that handles their personal savings accounts, not credit cards. I also question this due to the fact that this debt is older and that I have received many seemingly fraudulent sounding phone calls from unverifiable sources and have had someone who said they were American Express debit my checking account for {$270.00} after I specifically called for a cease and desist on any and all payments and collections until verified. Please help me determine if this lawsuit is real or fake. I need to know how to respond and do not want to go through this if it is the actions of an unscrupulous attorney or no attorney at all. In my county, there have been attorneys and/or groups of people who have banded together and pursue collections thinking no one will ever try to verify anything and they will just pay even if time frames have passed and even if credit card companies do not know they are collecting on their behalf. Please help.
Consumer complaint received 2022-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (OH)

Since loans inception ( XXXX ), an erroneous filing of multiple parcels associated to this property has made my taxes to have been paid incorrectly. I have made 20+ phone calls to the lender regarding a significant error resulting in over {$10000.00} dollars of escrow shortage of which the lender has not rectified and is continuing to charge me monthly for their error. They have doubled my mortgage payment for the past 9 months. I spoke to a customer rep who told me that they paid a {$6000.00} tax bill in XXXX of XXXX through my escrow and a third party billing company ( XXXX  ) and was told to ask the auditor why it does not show as a credit to the property. Firstly, my property taxes for this home is {$1200.00} a half due and paid XXXX and XXXX so an XXXX payment is a huge red flag alone as well as the excessively large amount sent that was supposedly requested by the auditor. I have been in constant communication with the auditor who is just as confused as i am. I own several properties in this county and she researched all of my properties and has not seen any credit or payment received as stated by UWM for any of them. There has been ZERO communication from UWM to me regarding my multiple requests for further investigation and remedy. Every time i call UWM, I have to explain my situation to the rep and have been told that UWM did their own investigation and closed my request for expedited intervention,. No call or email or hard copy acknowledgement has been received by me from them. Every time i call I have to start over again. I have been trying to rectiy this sitatuion with them for over a year now. This all began XX/XX/XXXX.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Company has deliberately listed my account 30 days late in XX/XX/2019 when it was not, payment was made XX/XX/XXXX to XXXX balance and company has yet to update report. Requested twice for correct information and company has not updated information to credit agencies hindering mortgage purchase
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Orion Portfolio Services, LLC (TX)

Orion portfolio services LLC acct : XXXX This company has inconsistencies in my account and in accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602a states I have the right to privacy 15 U.S.C 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-07-21
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: Experian Information Solutions Inc. (FL)

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2023-03-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On Friday XXXX XXXX I received a call from 1st Franklin Financial after several calls made to family members regarding my debt. After speaking to XXXX regarding debt owed and explaining to her the reason I was being on payments with my loan was because I was previously out of work and I just returned back to work as a XXXX XXXX not making the money I was previously making due to covid! XXXX im just returning back to work. I called before the account fell behind to make arrangements to make some kind of payments and XXXX informed me that there was no work out plan available at that time. After speaking to my Brother he told me that They called him and wanted me to give them a call regarding the account and they was trying to work something out with me, only after answering a call from 1st Frankling speaking to XXXX XXXX, she informed me that the Sheriff was serving me with a law suit and that 1st Franklin would be placing a lien on even my cars if I didn't pay something, I stressed that I have no money and she informed me that my credit would be ruined and I would not have anything after they placed liens on everything I owned. I stated ive already lost everything and I stated to her I was terminating the calls due to the threats made with me not paying.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2023 I received a phone call from chase representative stating a transaction of almost {$900.00} was being done in another state. I informed the representative that it was not me doing the transaction. The representative proceeded to closing my existing debit card and issued a new card in the mail same day. 

on XX/XX/2023 ( one day after my card should have been closed ) multiple ATM transactions on my card were done. A total of {$9300.00} were transferred between my savings account to my checking account and withdraw. 

I called chase bank and nothing was done about this fraud!
Consumer complaint received 2023-03-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. CAPITAL ONE XXXX Date Opened XXXX XXXX, 2017 Balance {$2400.00}, please update this right away. See the documents attached.