davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Lennar Financial Services, LLC (TX)

I purchased my home in XX/XX/2020 from XXXX and my mortgage company was Eagle Home Mortgage. I had the choice to buy this home or another home at XXXX XXXX. I chose this home because I was told the PID would be included in my mortgage. I recently got my escrow analysis and my mortgage has now been increased by XXXX. Due to Eagle Home Mortgage error, this caused me to be short in my escrow. I spoke with XXXX XXXX # XXXX 2 days ago. I recorded the entire conversation as Texas is a one party recording state. I didnt need his permission to record the call. I was informed that Eagle Mortgage did make an error and omitted the PID being included in my escrow. He stated to me that human error happens and there is nothing that can be done. MY current mortgage company is requiring me to put XXXX in my escrow or my payment is going to increase XXXX. This is not my fault that Eagle Home Mortgage made this mistake and I am having to pay for it. Human errors do happen, but when it does I would hope a financial institution would have enough integrity to correct their mistake. As a customer I feel that I was false and misleading information. I have all of the proof and all of the emails. I have no problem going public with this and showing the proof and the recorded call that I have. As many houses that are in XXXX XXXX and as many loans as Eagle Home Mortgage did for XXXX, I feel the lender knew exactly what they and intentionally did this. Especially since there was no remorse or care what their error has done to me. I am in the process of talking to every single home owner in XXXX XXXX that bought with XXXX and used Eagle Home mortgage to see just how many people this was done to. I will submit all my findings to the CFPB. I am not going to just accept a human error was made and just go away. This can either be made right and fixed or I will spend the rest of my life posting my story to my platform on social media and filing complaints to every single organization that will allow me to. This is very upsetting and can be a very easy fix. I'm sure everyone remembers when the market crashed and how long it took to rebuild everything. This was due to mortgage companies using unfair and deceptive practices to get loans closed. The department of justice has already ordered Eagle Home Mortgage to pay a substantial amount of money for approving people for loans that didn't really qualify. If I have to I will get in contact with the attorney that handled that case to assist me. I do not care if this costs me more money than the XXXX. This is about principle and I feel I was misled by the lender. Someone has to stand up for those that don't have a voice and for those that have went through this. I will be that person.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (VA)

Mariner Finance Company - I was late for two months XXXX XXXX company summons my husband and I to court. I paid all late fees and paid extra and therefore Manager said I didn't have to go to court - he would drop the court case. The Manager did not drop the court case kept it open until XX/XX/XXXX - that was not a problem since we paid every month on time. We paid the loan off early in XX/XX/XXXX - We pulled a credit report recently and they showed we was in collections from XX/XX/XXXX to XX/XX/XXXX ( account was paid in full in XX/XX/XXXX ). They also show that we were late 120 days per month from XX/XX/XXXX to XX/XX/XXXX. How could we be 120 days late each month - I have proof from the bank statements we paid on time. I called the local Manager and she said that it is their policy since we was gon na go to court to show us in collections. I tried calling the company since late XX/XX/XXXX to fix the problem. I even wrote to the CEO - I received a letter back stating they would fix the problem and problem is not fixed as of XXXX XXXX. On one credit report they did remove the collections however they are still showing 120 days late even after the loan was paid off. I've called numerous times and begged for them to call me back - they called me three times and said they would fix - still not fixed. On one call I said I would drive to Maryland to have a person meeting - I did get a call from local branch and she said for me not to go there they would fix problem. Again ; still not fixed. I explained we are trying to buy a home and we can not buy a home - due to this incorrect information. They should be fined for damaging my credit for all these years and all of the additional fees I paid to other creditors due to this negative information. This is beyond sad that Mariner would treat their customers like this- please do not use their services.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion refuses to delete a bankruptcy off of my credit which isnt mine!! This bankruptcy isnt on my XXXX or Transunion report! I have sent multiple documents in the mail proving this isnt mine. I have asked multiple times for Transunion to send me documentation on how they say theyre verifying this bogus account that is holding me back in life. I have sent my police report to Transunion as they advised me to do and still nothing! I have followed every instruction that they have gave me to resolve this issue at this point I will be contacting a lawyer if this bogus bankruptcy isnt removed from this credit report immediately. Bankruptcy {$0.00} dated XX/XX/2015!
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}.
Consumer complaint received 2019-10-02
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)

I have just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.
Consumer complaint received 2019-10-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (VA)

Experian is still reporting a account on my credit report that isnt mine! I have attempting Experian multiple times by phone, mail and online service to get this item removed. Ive filed multiple reports and at this point I will be contacting a lawyer. I sent mail asking for validation of this account and how Experian keeps verifying that this debt is mine! And I receive nothing! If this large debt was mine it would be on my XXXX  and XXXX   report and its not on either! The account I am referencing is XXXX XXXX for the amount of {$12000.00} opened XX/XX/2015. I have sent Experian my police report and all documentation needed to prove this isnt mine! I depend this to be removed from my credit file immediately.
Consumer complaint received 2019-10-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ad Astra Recovery Services Inc (CA)

AD ASTRA SERVICES is violating federal law 15 U.S. Code 1692e. False or misleading representations ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney
Consumer complaint received 2019-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX at XXXX I received an email offer that was targeted towards me to earn XXXX XXXX XXXX miles after making XXXX in purchases within three months. I also received this email on XX/XX/XXXX. On XX/XX/XXXX Citi cards employee XXXX informed me that I would be getting the bonus miles next statement when the purchases are completed. After speaking with Citicards executive office on XX/XX/2019I was informed that they would not be honoring the XXXX miles. I also Per the terms and conditions on the email it says nothing regarding the two year language if I previously had the card I was not eligible. Before apply I carefully reviewed the w the terms on the email. It says nothing on the email. I was informed that it was on page 4. 
This should not have happened. A false claim is the characteristic of a goods or service is different than what is advertised. The email sent is misrepresented because its advertising that I am eligible for the bonus. Under the Consumer Protection Act 2007, advertising is seen as misleading if it involves false, misleading or deceptive information that is likely to cause the average consumer to act in a way they might otherwise not. Advertising may also be considered misleading if important information that the average consumer needs to make an informed decision is left out. Citicards left out the information about the two-year language when the email was sent. 

I received an offer from delta from XXXX XXXX, which limits one bonus per lifetime. However I got a targeted bonus and called them to double check I was eligible. XXXX XXXX application system tells me when I am submitting the application whether I qualify or not. It then asks me if I want to proceed. Citi cards should have done this. 

I have spent a lot of time on this issue and I am very disappointed with citicards. I also had a hard inquiry in to my credit report. They offered me XXXX miles, which is only 15 % of what they were advertising. That is just not enough points. So thats great how do I get my XXXX miles? This error is on citicards not me. If they include the two-year language on their email and do a better job of screening their emails then this would not have happened. I would also suggest not sending the same email to your clients when they are not eligible for it. 

I also want to say that I am also disappointed with Citicards over how they are handling a late fee of {$25.00} dollars and finance charges of XXXX dollars on XX/XX/XXXX. Their was an issue with my payment processing so it was late. They don't want to remove it because its valid. So the employees told me there is nothing they can do about it. So citicards expects their customers to follow the rules. Yet its okay for Citicards to send invalid offers by email. You can not have it both ways. You need to also hold yourselves accountable for what you are doing wrong. Sending invalid offers is not ethical
Consumer complaint received 2019-10-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings (CA)

XXXX XXXX XXXX is violating federal law XXXX5 U.S. Code 1692e. False or misleading representations ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney
Consumer complaint received 2019-10-02
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: EQUIFAX, INC. (TX)

I have disputed multiple problems with my credit report multiple times with this bureau by certified mail. They responded that the information was verified as accurate. I find this very hard to believe considering that I am sure it is inaccurate. I then requested method verification according to FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I also used certified male for this request. This was approximately 30 days ago. I have kept all certified mail receipts and am able to provide them. This bureau has still not provide any proof of verification to me. The information remains inaccurate on my report and is effecting my life very negatively. Due to their failure to provide the method of verification as required I am requesting the information to be deleted promptly.
Consumer complaint received 2023-03-31
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. (AL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. I sent my 3 verification letters on XXXX 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. The following accounts and Numbers are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-03-09
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rock Holdings Inc. (OH)

There was a lien put on our property at XXXX XXXX XXXX XXXX OH XXXX in the early XXXX 's. The home was refinanced in XXXX. The title company was Title Source which is now XXXX. At the time that Title Source did there checking they found that lien ( XXXX XXXX XXXX  ) and had sent for the release from the county. The county rejected the release because they were not the original lien holder. Nothing further was done on the lien and was sold to XXXX XXXX and is still open and has gained {$10000.00} in interest. Now that I am trying to purchase a new house this lien has shown up again which is 7 years older. Had the job been done right this would not be causing problems with me purchasing the new home now!
Consumer complaint received 2023-03-31
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. (FL)

In accordance with the fair reporting act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these companies 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 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 ; 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 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party
Consumer complaint received 2019-10-02
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. (TX)

I have disputed multiple problems with my credit report multiple times with this bureau by certified mail. They responded that the information was verified as accurate. I find this very hard to believe considering that I am sure it is inaccurate. I then requested method verification according to FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I also used certified male for this request. This was approximately 30 days ago. I have kept all certified mail receipts and am able to provide them. This bureau has still not provide any proof of verification to me. The information remains inaccurate on my report and is effecting my life very negatively. Due to their failure to provide the method of verification as required I am requesting the information to be deleted promptly.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I feel that these accounts are adversely affecting my credit report and costing me XXXX of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the XXXX XXXX XXXX because to my knowledge I do not recall any these accounts. 
I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly
Consumer complaint received 2020-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

CHASE HAS ALREADY RECEIVED ALL OF THE 4 ATTACHMENTS WITH NO POSITIVE RESULTS AS OF THIS COMPLAINT : ATTACHMENT 3 - SEE CHASE  ONLINE BANKING FOR THE DATES MENTIONED IN DISPUTE TIMELINE ( CHASE VERY UNTIMELY IN RESPONSES ). ESPECIALLY ... ... 
XX/XX/20 RESPONSE FROM CHASE THAT STATED THAT HOLD HARMLESS LETTER WAS NEEDED BY XXXX XXXX XXXX ( XXXX ). SEEMS THIS HHL WAS NOT SUBMITTED TO XXXX XXXX XXXX AS WELL AS THE XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX
Consumer complaint received 2019-10-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo sent a denial and did not try to resolve this problem.They said that they do not have any programs to put me in. On the XX/XX/2019- said they were willing to investigate and assist on XX/XX/2019they sent out a denial without even contacting me or my realtor.

I am asking for help, they put another auction date in less than a month after last auction date. Please help me I'm beyond upset, they are always playing games. I'm so tired of this lender. If you investigate you would see how many times I reached out for assistance and for help to do a short sale to sell my home. 

Regards XXXX XXXX
Consumer complaint received 2019-10-02
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. (PA)

I have disputed several accounts through all three credit reporting agencies but they keep saying everything is correct when it is not. There are several items on my reports that do not belong there. All items are in the negative data. I do not have any open collections accounts. I also see these items are reporting as late each month when they should not be. The original accounts were were different creditors. These accounts were then bought out by debt collectors. The information being reported on my credit reports are inaccurate and false. One account is a duplicate. One account was paid in full and never went to collections. 3 accounts are all due to my cards being stolen from me while I was involved in a domestic abuse case and they were used without my knowledge or consent. These items are all still reporting as late each month and open which is in violation of the Fair Debt Collection Practices Act.