davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-23
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. US DEPT. OF EDUCATIO - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2020-09-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

I contacted Mr. Cooper on XX/XX/2020 telling them that my husband a XXXX XXXX XXXX had passed away 2 weeks prior. I asked what their procedure is next since he was the originator on the mortgage. They wanted a copy of his death certificate and a copy of his will. I emailed it immediately. I was told that the account would be put on hold till process was completed. They also said that it would take 7 days to research his will. On XX/XX/2020 I called again asking the same questions. I was told that they needed his death certificate and a copy of his will AGAIN. And another 7 days to research it. I call again on XX/XX/2020 and ask again where we are in the process. XXXX XXXX tells me that they need my husband 's death certificate and will for the THIRD TIME because he didn't see it in the system. I sent it directly to him, waited for him to receive it and forward it onto the research department before I hung up. In the meantime I am getting mail almost daily telling me to make XXXX payment. I have been right from the start asking for a loan modification. I was told that since it was in his name that I couldn't do anything to the mortgage and that they didn't even have to talk to me. Thankfully when we started this mortgage my husband gave them permission to talk to me about it. I finally get an email back from XXXX XXXX on XX/XX/2020 stating that I am my husband 's successor. Ok, what about the loan modification!!!! I call Mr. Cooper again. Was told that I am his successor. Again I ask for the loan modification paperwork. I called them 6 times on XX/XX/2020 asking for the loan modification paperwork. I asked for it to be emailed to me. I was told that it had to come thru the Post Office. They asked when I was going to make my payment and I again told them that I have to do a loan modification. So now I wait for the mail to be delivered and am currently in XXXX so another month without having the loan modified. This is VERY POOR CUSTOMER SERVICE!! I should not have to be calling them weekly and sometimes daily to get this company to do what was asked.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Good day, i have contacted transunion XXXX times and have recorded them XXXX with different reps giving the wrong or lack of new lines of credit that have not reported for XXXX years which is kickoff and credit strong, i asked why and informed them the length of time ive had these accounts and they have no resolve.
Consumer complaint received 2020-05-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2021-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LEXISNEXIS (MO)

On XX/XX/2021 1st letter, and 2nd Letter on XX/XX/2021. I mailed a letter to XXXX, XXXX, and XXXX and Lexis Nexis about the Bankruptcy that's reporting on my Consumer Report about the inaccurate and inconsistencies that's on my Consumer Report. I sent a Demand to Comply and that was my 2nd notice to the bureaus. Today is XX/XX/2021 so that's over 70 days. I don't understand why I haven't received any letters in reference to my Letter. This is unacceptable and against my consumer rights. Since this has been over 30 days and outside of the allowed time for a response and they never put a notice of Dispute on my Consumer Report this Bankruptcy must be removed because of 4 of the Bureaus are in Violation of my Consumer Rights. Please remove/delete this Bankruptcy from my Consumer Profile. It's time to hold these Bureaus responsible for their errors and violations to Consumer Profiles.
Consumer complaint received 2017-09-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc. (TX)

I contacted Lending Tree ( XXXX XXXX ) about getting quotes for a Home Equity Loan in the state of Texas. I was assured by the privacy statement and disclosure rules that my information would be shared with up to 5 partner companies to get home equity loan offers. Instead, it turns out that none of the affiliated lenders do traditional Home Equity Loans, but every call and email I received from their partners was for a cash-out refinance, which is a completely different product. This is incredibly deceptive. My personal protected information was shared with five other parties without my consent, because I did NOT request cash-out refi quotes, I requested Home Equity Loan quotes. Every representative I spoke to on the phone was clear that their companies do n't offer Home Equity Loans or HELOCs in Texas, and that Lending Tree always sends them cases like mine knowing full well that it 's a different product.
Consumer complaint received 2021-01-21
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)

On XX/XX/XXXX I sent a letter that detailed various inaccurate reported items on my credit report. As of today, XX/XX/XXXX, over 40 days later I have not received a response. Im not sure if my letters were discarded, or if they simply ignored my disputes, but I have not received any reply to my disputes. According to the FCRA Section 611 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove these accounts from my credit report. It has been well over 30 days so they should be deleted immediately. I need these accounts to be deleted promptly, or I will be seeking litigation due to the strain this has placed on my health. Im fearful that these creditors have been using illegal tactics, or that my information was compromised as a result of the XXXX data Breach or some type of Identity theft. Please delete.
Consumer complaint received 2019-05-23
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: EQUIFAX, INC. (FL)

Store XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FLa. XXXX XXXX XXXX Sales Rep # : XXXX XXXX On Wednesday XX/XX/2019 at approximately XXXX hrs, I, XXXX XXXX XXXX went to T-Mobile- XXXX, XXXX XXXX   XXXX XXXX XXXX XXXX. Upon purchasing the new XXXX Plus XXXX, I specifically asked Sales Rep # : XXXX if it was a soft hit or a hard hit on my credit and his response was it was a soft hit, however, on XX/XX/2019 I received an email from my XXXX account indicating on my FICO that Sales Rep # : XXXX had lied about this matter. I called customer service and spoke with rep XXXX and she too admitted that the employee should have known. She also stated for me to go back to the to the store and speak with the manager which i did. I called and I spoke with his manager XXXX and he said that he would speak to him about this issue. When I confronted Sales Rep # : XXXX about this matter his response was quote, Hey XXXX my bad I got coached and go into trouble and I feel bad and apologize. 

I ask that Equifax DELETE this unauthorized inquiry from my credit report immediately as he admitted by stated that. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 

Another reason that this inquiry is inacturate is because the above named on the receipt is not my name and or spelling is incomplete.
Consumer complaint received 2017-08-07
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: Experian Information Solutions Inc. (FL)

1. Unauthorized inquiries on my credit report on XXXX, XXXX, and Experian. I can only provide images of XXXX, and XXXX inquiries. 2. Remove any address on file other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 3.  Remove any other social security numbers that is associated with my credit file other than XXXX 4. Remove XXXX XXXX XXXX XXXX off of my credit report for jobs. Remove any salaries and please update all correct information. 5. Remove any other names other than XXXX XXXX. Please update 6. Correct all of the errors
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Convergent Resources, Inc. (FL)

I disputed this alleged XXXX account with Convergent Outsourcing on a few separate occasions. All that was sent to me was a copy of a final bill. This does not prove anything regarding the validity of this debt per the FCRA and FDCPA. I have sent numerous letters and the company will not respond. 
The information across XXXX and XXXX vastly differs in certain areas like the date of last activity, status, date reported, etc. 
I provided undeniable evidence to the company who has not responded and refuses to correct the mistakes.
Consumer complaint received 2021-11-27
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. (OH)

After repeated attempts to dispute accounts that are not valid, both XXXX and Equifaxs who have been hacked or breached, continue to report false information that is having a negative impact on my credit report. I have disputed negative inaccurate information with the companies as well as with each of the major credit reporting bureaus, initiated credit freezes and placed a fraud alert on my account and yet they continue to ignore the fact that the proper actions have been taken. It seems that every time I get my credit report that there is another account that is listed with negative information thereby having a major impact on my credit score. The fact that these two companies, first Equifaxs, and now XXXX have allowed my personal information to be exposed is like a slap in the face because of all of the places that could be hacked these two should be the first ones that are willing to address the issues that I have submitted and be responsible enough to assist me in correcting the information that they allow to be placed on my account without proper verification. There are many inquiries that I have just been made aware of that definitely should not have been allowed to take place especially because I have made them aware of possible fraudulent activity and transactions that have occurred since the Equifax breach in 2017. Because I have not been able to resolve this problem I am filing this complaint with your agency and look forward to seeking help with the next course of action in order to proceed with repairing my credit and securing my personal information so that it remains private from now on.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (FL)

Enhanced Recovery is reporting an account from XXXX on my XXXX and XXXX Consumer reports incorrectly. I have sent them correspondence to which they have totally ignored. 
They are showing an opening date of the alleged account as XX/XX/XXXX. This is an impossibility. I have resided at my current address since XX/XX/XXXX. An address where all of the bills are in my husband 's name. 
This is a blatant attempt to re-age old debt to keep the statue of limitations alive. 
They are also reporting the date of last activity as XX/XX/XXXX, yet they claim the account was not opened until XX/XX/XXXX. This is yet another total impossibility!
Consumer complaint received 2020-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$950.00}
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried on numerous occasions to file a dispute with Experian but they always send me a letter stating that they will not do an investigation which is my right by law. I have attached the letter that they have recently sent when I filed a dispute with them. I am trying to correct my report and they are making this a problem. 
The items are XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : [ XX/XX/2019 ] I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-05-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

On XX/XX/XXXX a charge came in from XXXX for XXXX. I was charged XXXX for this transaction. I have been in contact with XXXX my account with them is currently on hold. Pncs reason for not refunding this charge is due to a refund given back in XX/XX/XXXX. {$36.00} is excessive for {$1.00} charge. I also believed I had an at work checking account and therefore would receive no charges such as monthly fees. For one month I fell below and was charged a fee of XXXX.
Consumer complaint received 2019-05-23
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. (NC)

XXXX is reporting a {$1500.00} collection balance on my credit report that exists due to fraud. I am attaching the FTC fraud affidavit and police report I submitted to XXXX about the matter, but they refuse to remove the fraud from my credit report.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be XXXX XXXX XXXX XXXX XXXX I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Consumer complaint received 2020-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INVESTORS BANK (NJ)

I paid off my mortgage loan with Investors Bank on XX/XX/2020, but I have not received any documentation evidencing that the loans was paid off. I have not received the cancelled mortgage and/ or note or the release of mortgage lien documents. The Loan number was XXXX.
Consumer complaint received 2022-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (TX)

I was contacted by my insurance ( XXXX ) and was told that the premium has not been paid by my mortgage company ( CMG Financial ). 

I called my mortgage company ( CMG Financial ) customer service to find out why it wasnt paid. I was told that i was not escrowed and i had to pay that out of pocket. So i double checked my mortgage documents and everything said i was paying for escrow. So the customer service agent was incorrect. 

I call CMG Financial again and am now told i needed to send my declarations page for the insurance to be updated. So i did that and waited. 

The insurance was still not paid so i called CMG financial again. A different agent told me that my insurance company put the wrong address on the insurance and they needed to correct it. I called XXXX insurance and they said that the address was indeed correct. 

I called CMG financial again and was now told that the insurance XXXX sent was not Escrow insurance and needed to be changed. I check the documents and thats incorrect because it says " Escrow : Yes '' on the insurance documents. 

Now there is an overage on my Escrow account and they are sending me a check. I beliebe the overage is because i was paying escrow for insurance/taxes and insurance wasnt paid so its overflowed. 

My insurance is about to lapse so i pay over {$300.00} out of pocket for 3 months of service until this gets resolved. 

I call CMG financial again and am very upset. I ask for this to be escalated to a supervisor. They tell me that they will get their manager to work on it. 

A couple days pass and my insurance premium is suddently paid in the original full ammmount for the year. However i already paid over {$300.00} so the insurance balance is less than what they paid. How do i get my over {$300.00} back? 

Today i checked my mortgage account and my monthly payment went down over {$100.00} for some reason unknown. 

I need answers and customer service is no help. I do not want to be surprised by a large payment in the future because CMG Financial is not taking care of my account correctly.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  and Transunion a for y experience the worst companies on XXXX. I was the founder and CEO of two companies myself and they will have been bankrupt if they were not in a XXXX  business blackmailing customers with wrong information. 
You wait HOURS on the phone to get someone and they provide no JUSTIFICATION..nothing ..