davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (OK)

on XX/XX/XXXX at XXXX XXXX I ( XXXX XXXX ) received on my cell phone a call from XXXX ( which is a local call out of XXXX XXXX, OK ). The recording stated " there is a complaint against you and we want to rectify the complaint, please press 1 to take care of the complaint before it goes any further. 
I pressed 1, then a lady came on the phone and asked for XXXX XXXX ( which is my husband ) she stated there was a collection from City Bank  that has gone into collection ( this has nothing to do with a complaint ) it was a collection call. This was very misleading. I know my husband has not had a citi bank credit card since XX/XX/XXXX. she stated the last payment that as made was in XX/XX/XXXX, which I know is incorrect, because he was very ill then and was not taking care of his debts, he has XXXX and has not control over any credit cards. I myself filed bk on all the credit cards in XX/XX/XXXX. And all the credit cards were destroyed in XX/XX/XXXX. No additional payments were made on the card by him I know and I had not paid any payments on the account. I ask for proof that the card had payments on it and she just stated that she was going to collect on this debt and she would damage his credit and sue or we would have to provide her information on our property. First off the call was misleading stating there was a complaint, 2nd she had no business talking to me about his debt when I was not on the card and I advised her he was in a XXXX XXXX ( he is XXXX yrs old ) she would not provide me with any documentation, claim number or their address. She just made threats and stated she would be collecting on this account, I stated Good Luck and she hung up.
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (MS)

I was divorced and my ex spouse was deeded the house in divorce. He never refinance with XXXX XXXX XXXX so my name was still on the loan. I was assured, in divorce that this account could not affect my credit because the property was deeded to him. I have no legal rights or obligations to this home. My ex spouse is in the process of selling this home and has missed a payment. It is reflecting in my consumer credit and avoiding me to seek options to purchase a home. Ive submitted documentation about the deed that was recorded. I desperately need this blemish removed from my credit reporting
Consumer complaint received 2019-06-05
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. (CA)

I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting.. XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX placed a collection account on my credit report in XX/XX/XXXX. They brought a civil suit against me ; however, the case was dismissed. The item remains on my credit report. The item should not be on my credit report and should have never been placed on my credit report. It needs to be removed. 

I disputed information regarding XXXX XXXX on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I have provided supporting documentation each time to the credit bureau. The last time I disputed, I notified them that they could reach out to the court house to obtain proof that the case against me was dismissed. The collection item still remains on my credit report. 

This collection item needs to be removed completely from my credit report.
Consumer complaint received 2019-08-19
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. (IL)

Viewed credit file through Transunion in reference to XXXX XXXX XXXX XXXX account showing charged off.  File shows last date reported: XX/XX/19 in the amount of $XXXX.
Consumer complaint received 2021-07-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Receivable Collection Services, LLC (NY)

My name is XXXX XXXX My social security number is XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX ny my complaint is that receivables con collection agency unlawfully a collection account on mycredit report with XXXX  I wrote to the company telling them that the debt is not mine andits account from XXXX XXXX balance XXXX dollars I didadisput with XXXX  to get it removed off my report and the collection agency unlawfully didn't respond to my letter that I was disputing this account as fraud
Consumer complaint received 2021-05-25
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: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC)

Rushmore Loan Management Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Rushmore has been reporting derogatory information to XXXX XXXX XXXX XXXX for some time that is incorrect. 

Trying to communicate with them is ridiculous. Of recent since XX/XX/2021 -- I have sent messages through their every available avenue ... message center, phone calls, emails, escalated calls to supervisors with no avail. 

They deny they are reporting anything at all derogatory and that my record with them is good. They state nothing is being reported late and every payment has been made on time. 

I uploaded the XXXX Credit Report reflecting my complaint. This showed the incorrect reporting, of which they continue to deny their incorrect reporting. When I call they say they can not find the report even though I can go to their website and pull the document up. ( And I can pull the Receipt from where they received it. ) I uploaded again today a current copy of my report from XXXX Credit Report to Rushmore which is reflecting the derogatory information being reported by THEM. 

They basically state as of today what they are reporting to XXXX is that I am current and that I have never been late. They are wrong, because they are reporting derrogatory information, but do not want to take responsibility or acknowledge it. They are reporting derogatory information which is previous to their ever having this loan. They are aware that the information is prior to their getting this loan. 

I disputed this information with XXXX  and when I got the response they said that Rushmore is continuing to report the information and did not remove it.
Consumer complaint received 2023-02-01
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. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2021-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (VA)

My Mortgage company believes that I paid my XXXX payment late. I paid for it on XX/XX/2021. I do not see the payment as late but they say it was returned on XXXX XXXX, 2021. I do not see that it was returned on my side. If the payment was returned, it was due to unforeseen circumstances due to COVID 19 and unexpected associated costs due to illness and family expenses. The loan company says the loan was eventually paid in XXXX. There have been no late payments since then. The loan company is Caliber Home Loans.
Consumer complaint received 2021-01-05
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. (LA)

I am distressed, I've sent documents for those inaccurate and incomplete information on my credit report dated XX/XX/XXXX2020 but until today I haven't received any response. I demand that all those account will be DELETE on my credit report. Or I will file a litigation.
Consumer complaint received 2017-12-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

My IDR was denied and no reason was given other than they would send me a letter. Naturally, I tried calling as soon as I got the email but they were already closed for the holiday ... my loan replayment plan ends XXXX. Last year with my repayment recertification, they made me go into forbearance for more than a month while they reviewed my application. This year, I made sure to recertify in a timely manner. My job and income have not changed yet for some reason my IDR was denied. I strongly dislike XXXX XXXX. I feel they intentionally place obstacles in the way to cause your loans to back up and need to go into forbearance.
Consumer complaint received 2023-03-10
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: DISCOVER BANK (FL)

Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX XXXX, My name, social, drivers license, emails, phone and XXXX bank account was breached, the XXXX XXXX XXXX also stated mail forwarding was in place to several abandoned buildings. 

I went to the XXXX XXXX and filed a report with a Detective. I will attach everything to this email. The XXXX XXXX XXXX has confirmed with me the breach and has deleted the fraudulent accounts. 

XXXX and XXXX XXXX are battling for me against Discover and XXXX XXXX Both companies come back as " verified '' even though I have proof I was a victim of identity fraud. 

The 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship. 

These 2 accounts need to be deleted and stop being reported to XXXX XXXX : 1 ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX ) Discover Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

These three accounts are being reported too XXXX  : 1 ) XXXX  XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

2 ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

3 ) Discover Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Thank You XXXX XXXX XXXX
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE CREDIT AGENCIES HAS VIOLATED MY RIGHTS. 15U5C 1681 SECTION 602 STATES THAT I HAVE THE RIGHT TO PRIVACY. 15USC 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN CONSENT. 15USC1666B STATES THAT A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Consumer complaint received 2019-08-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (CA)

I have reached out several times asking for proof of the actual debt and it only comes back that it was verified but they provide me with no physical proof. The item is reporting incorrectly and therefore is not reporting 100 % accurately and under the FCRA should be removed from my report. EX ) the payment history shows never late then jumps directly into collections. the account is showing as a closed account but is also showing as a collection and also has a monthly payment attached to it. All of these are reasons for it not reporting 100 % accurately and therefore should be removed. This information has greatly impacted my ability to obtain new credit and should be removed.
Consumer complaint received 2022-04-28
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (GA)

Per agreement with XXXX  on XX/XX/19 this company was suppose to remove all late inquiries to my credit report. They still continue to report this account late. I got an alert from XXXX last week and XXXX   today that they have reported 3 late payments and are still updating this account as LATE. I am attaching the agreement that outlines that these late payments are to be removed from all credit reports.
Consumer complaint received 2019-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am filing a complaint against Bank of America ( BOA ) due to their failure to maintain a foreclosed condo property located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, SC. 

THE ISSUE : BOA has owned this property for over a year and has failed to protect the exterior door openings from water intrusion after repeated requests by XXXX XXXX XXXX attorney. Water has entered our building and flooded units below the unit owned by BOA. BOA has failed to reimburse our small building for this damage after successfully filing a lien on their unit. BOA has failed to make any repairs to the building to prevent future damage leaving one door, facing the ocean, with deteriorated plywood. This property is a blight on our building and our community. 

Additionally, BOA 's inaction has also caused rot to common area building components and wood wall structures which are owned by the XXXX XXXX XXXX. There are seven door units that face the ocean in the BOA condo and are the responsibility of BOA according to our Master Deed. All seven doors are not compliant with XXXX XXXX building code. XXXX XXXX XXXX has repeatedly asked that these doors be replaced with doors that meet the building code as required by XXXX XXXX XXXX 's Master Deed. 

COMMUNICATION : BOA assigned this case to a local XXXX XXXX attorney ( XXXX XXXX, XXXX ) which has evaded our repeated demands for repair. At one point, BOA agreed to make repairs but subsequently missed the deadline they agreed to in writing. To date, I am not aware of BOA making any significant steps to even conduct preliminary due diligence which would be required prior to any repairs due to the repairs now being so significant. 

SUMMARY : The actions of BOA are disturbing and beyond comprehension. BOA has ignored not only how these needed repairs are inhibiting their own ability to sell their unit but also completely ignoring the impact to their neighbors. They also are causing a negative financial impact to owners which are not able to rent their units or are forced to rent units for less money as beach goers choose to stay in buildings without old deteriorated plywood on doors visible to the street and beach. 

Please help the XXXX XXXX XXXX and ask Bank of America to replace the doors and stop hurting the other owners in our building. Thank you.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I HAVE TRIED THRU ALL THREE CREDIT AGENCIES. I HAVE ASKED THEM TO VERIFY PAYMENT STATUS ON THE LOAN. XXXX HAS FAILED TO VERIFY CORRECTLY OR AT ALL. TRANS UNION AS WELL AND XXXX.XXXX  XXXX XXXX SENT ME A CERTIFIED LETTER TO SHOW PAYMENT STATUS. ALL PAYMENTS WERE PAYMENTS WERE MADE BY THE DUE DATE OF THE 28TH OF THE MONTH OR A FEA DAYS PAST.. THEIR OWN PAPER WORK SHOWS THE DISPUTED DATES ARENT 30DAYS AN THEY ARE REPORTING IT AS SUCH. THEY ARE IN VIOLATION OF THE FCRA AND HAVE BEEN. THEY ARE HARD TO DEAL WITH, THEY HAVE DENIED PAYMENTS TO THE ACCOUNT BECAUSE IT WAS LATE, AND TO GO IN PERSON TO A BRANCH TO GET IT FIXED OR CALL MANY TIMES. THIS COMPANY HAS BLOCKED ME FROM MAKING PAYMENTS, AND JUST TELLS ME THAT CAN REFUSE ANY PAYMENT THEY WISH. THE CAR HAS NEVER NEVER BEEN IN REPO STATUS FOR THIS NOR WAS IT TAKEN. THEY ARE RUDE AND VERY HATEFUL TO DEAL WITH. A XXXX COMPLAINT WAS FILED AS WELL. XXXX  AND TRANS UNION AND XXXX ALL HAVE REPORTED IN ACCURATE PAYMENT STATUS AND REFUSE TO GET PROOF.PROOF IS NOT A REP SITTING A COMPUTER AND SAYING YES OR NO.
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (WA)

I applied for a mortgage refinance with Chase Bank. They charge a {$500.00} fee to apply. They said if I go through the whole process with them, they would refund my money, if if I didn't qualify. During that process, I also applied for refinancing through XXXX XXXX. My Chase bank agent became irate when I told him about XXXX XXXX  and the better rate they offered me. 

On XX/XX/2020 I called Chase to complain my agent ceased communicating with me. They gave me a website URL where I could find a new agent. I called the new agent told me she had no time for me. I proceeded to close my refinance with XXXX XXXX. 

On XX/XX/2020, I called Chase for refund of my {$500.00}. They told me they would get back to me. 

On XX/XX/2020 Mr XXXX, my Chase agent who never called me back, claimed he was on vacation for 2 weeks and was told I requested withdraw my application, which is patently false. 

On XX/XX/2020 XXXX from Chase called to say my request for a refund has been denied. When I told her she was acting in bad faith, she said she would get back to me. 

On XX/XX/2020 XXXX XXXX. XXXX XXXX called to inform me the request was denied after review. They insisted I requested to close my application by email. When I asked him to show me the email ( because I never sent one ) he replied they are not allowed to use email. When I told him I would report him to the Federal government, he replied he would get back to me. 

XX/XX/2020 XXXX XXXX. XXXX called back to say request denied.
Consumer complaint received 2022-04-07
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (MD)

Hello, I reviewed my credit report and saw an inaccurate account reporting. I consolidated my student loans with XXXX and the balance was PAID IN FULL and transferred to the new loan XXXX Aidvantage. However, the original student loan is still reflecting on my credit profile. This error is impacting my credit scores as my DTI is elevated. I have sent out dispute letters, but my request has been ignored. Please remove this from my credit report at once! Its illegal to report outdated information. This balance was satisfied in FULL and needs to be removed ASAP.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

CONTACTED THIS COMPANY ABOUT ALL OF THE MULTIPLE INQUIRIES LISTED ON MY CREDIT REPORTS AND THEY TOLD ME THAT THEY DID NOT HAVE A FRAUD DEPARTMENT THAT THEY COULD TRANSFER ME TO. I FOUND THIS TO BE ODD BECAUSE THIS IS A HUGE COMPANY AND THEY DON'T HAVE A FRAUD DEPARTMENT TO REPORT TO IS ODD TO ME.
Consumer complaint received 2022-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (FL)

I noticed a collection account from Allied Collection Services Llc on my credit report for something I have no knowledge of, I sent them a certified letter asking for validation of the debt such as signatures, copy of contract, anything that could help me resolve this, they have not responded and continues to report this debt as mine. I have never had any dealing with the company they are representing and do not owe this debt, I am requesting them to provide all documentation they have showing this debt to be mine.
Consumer complaint received 2022-04-07
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: EQUIFAX, INC. (FL)

I was reviewing my credit report and i saw accounts which are not mine. 
In accordance with the Fair Credit Reporting act XXXX  Accounts : XXXX # XXXX Date opened XX/XX/XXXX and XXXX XXXX  XXXX # XXXX opened was opened XX/XX/XXXX HAVE VIOLATED MY RIGHTS! 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-28
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.