davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-16
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: First Data Corporation (HI)

Received letter from Money Network in the mail to upgrade an account. I do not know what type of account it is and I do not have an account with Money Network and I believe this is a SCAM. If this is not the right forum or site to report this please let me know where.
Consumer complaint received 2015-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NC)

Chapter XXXX diss/closed XXXX/XXXX/XXXX case # XXXX does not belong to me. 

Chapter XXXX diss/closed XXXX/XXXX/XXXX case # XXXX does Infact belong to me. 

XXXX and XXXX Credit Bureaus purged the above entries and removed from my Public Record on my credit report. 

EQUIFAX refuses to stating they did n't file this information the Bankruptcy Court supplies the information which is not true. I have filed XXXX disputes and talked to XXXX different people up the chain of command. My end result has been it 's equifax decision to report this information for 10 years instead of 7 years as the other credit bureaus have done. Please help me. I need to buy a home. Each employee has told me different information and they have straight out lied. If the phone calls are recorded you can hear them yourself. Your told it can take up to 30 days for the result of a dispute but the last XXXX I filed had results less than 24 hours later and I have the email to show that. My dispute case # XXXX are : XXXX, XXXX, XXXX, XXXX dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ... 

Please contact me with any question. This is a very important issue. Thank You for your time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX # ***********DOB : XXXX would also like to add that my credit score with Equifax has actually gone done since filing disputes as my credit score Has gone up with XXXX and XXXX . I have a score of XXXX with XXXX company and a score of XXXX with Equifax. I. Desperately need help. The reason we had to file for bankruptcy in XXXX was my husband was XXXX. It certainly was n't something we wanted to. We had no choice. Please help me.
Consumer complaint received 2016-01-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

I am filing this complaint because Equifax has ignored to provide me with documents that their company has on file that were used to verify the accounts I disputed. Being that they went past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- THEY ARE REQUIRED TO " PROMPTLY DELETE ALL INFORMATION THAT CAN NOT BE VERIFIED. '' that I have disputed. Please resolve this manner as soon as possible. Thank You
Consumer complaint received 2023-03-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: W&A Intermediate Co., LLC (GA)

Wakefield and associates has claimed I owe a debt of {$980.00} originally owed to XXXX XXXX XXXX. This debt was supposed to be paid by insurance as I called back in 2021 to verify this with the dental practice. ( they said and I quote " do not worry about this, the insurance will pay this '' and that was the last I heard from them ) To my knowledge it has already been paid by my insurance. ( on my app i have i can see where there was a payment from XXXX to the dental office for {$980.00} ) Additionally, XXXX XXXX XXXX never notified me of any owed debt via any method. ( therefore I was not given any opportunity to pay a debt I had no knowledge of ) furthermore Wakefield and Associates has not notified me of any debt either. How can an individual pay a debt they are not notified of/aware of? That's not operating in good business or fair practice by either business.
Consumer complaint received 2021-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (DE)

Wells Frago has already discharged this debt 3 years ago. My attorney disputed this with wells Frago an attachment is attached to this email. I located this dispute deleted information from Experian. 

This is Extremely unfair and disturbing that I could dispute a debt and it continues to cause damaging to my credit report for years after many years Ive disputed. Wells Fargo again has no right to assign so many accounts that a customer can not even determine monies that she or heTrusted in a bank with financial importances. Again please have Wells Fargo to review the deleted information and investigation and to remove this debt off on my credit report that is extremely damaging.
Consumer complaint received 2022-09-05
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXXr PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-03-27
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: DigniFi (FL)

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 section 602 states " I have a right to privacy '' and this creditor has violated my Rights. I have a right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. I am requesting that you promptly investigate the disputer items and remove them from my credit report if they are found to be incorrect or unverifiable. ( see ex 15 U.S.C. 1681 section 604A section 2 & 15 U.S.C 1666B & C ) in accordance with the ( FCRA ).
Consumer complaint received 2021-06-03
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. (IL)

Good afternoon. I SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION.
Consumer complaint received 2017-03-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: K. HOVNANIAN AMERICAN MORTGAGE, LLC (MD)

While purchasing a new home from K. Hovnanian XXXX , L.L.C., I opted to use the builder 's mortgage company - K. Hovnanian American Mortgage ( KHAM ). I had four notable issues with KHAM : 1 ) Despite receiving a written confirmation of a scheduled closing date from the construction supervisor, I was repeatedly denied the opportunity to lock in my mortgage rate. KHAM would not allow me to lock in my rate, despite being within 60 days of the scheduled closing ( the earliest point that they would allow my rate to be locked ) until they received an update from the builder as to their progress. As a result, the interest rates increased and I was not able to lock my mortgage rate in at the rate I initially wanted to and locked in a substantially higher interest rate. 

2 ) After the closing date got pushed back due to the builder not being complete, the rate-lock that I had obtained expired. The builder, extended the rate-lock for an undefined period of time, at their own expense, while the construction issues were being resolved. After the construction issues were resolved and the builder declared they were not going to be paying for the rate extension any longer. KHAM then attempted to charge me a rate lock extension. I explicitly told them that I neither requested the initial rate lock nor wanted to pay for a new rate lock since the prevailing mortgage rate was identical to the rate I would be locked in at. After being told that the rate lock fee was their lender 's policy - I demanded to see a copy of that in the disclosure documents that had been provided to me. After they were unable to produce any documentation to substantiate or indicate that they disclosed this fee to me, they agreed to absorb/waive this fee. ( I believe this may be a UDAAP violation. ) 3 ) KHAM was in regular communication with the builder with regards to my personal finances, mortgage status, and other sensitive financial details without my consent. 

4 ) KHAM at one point demanded that I produce account statements for a trust account that I am neither a trustee on or a signatory on. While reviewing my financial statements, I disclosed that I received a substantial gift from my grandfather 's trust, that was currently in my mother 's name as the sole trustee. Despite that the fact that the money was wired from a XXXX XXXX Trust account to my XXXX XXXX Checking account - KHAM repeatedly refused to accept letters of attestation, copies of my bank statements, letters from the trustee, and communications from the banker who oversee the trust for XXXX XXXX as sufficient to " source '' the deposit. Despite repeatedly explaining that I did not have access to the account statements for the trust - since it was not my account - KHAM repeatedly demanded that I produce them for their review.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 a account without my written instructions
Consumer complaint received 2021-06-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nelson and Kennard (CA)

XX/XX/XXXX approx XXXX I received a text from my friend at my home watching my dogs while I was gone starting a man came by to serve papers to me. My friend said I wasnt home he went on to look at the papers say that I was being sued by XXXX  XXXX XXXX ... gave my personal information to a third party. Please help me with this matter as my rights have been violated.
Consumer complaint received 2021-06-03
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. (IL)

Hi. I SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION AGAIN.
Consumer complaint received 2016-10-07
Product: Credit card — 
Issue: Bankruptcy — 
Company: DISCOVER BANK (FL)

My Discover Credit Card ending in XXXX was cancelled by Discover Bank because I file a bankruptcy the XXXX later was Dismissed by a federal judge my account since 2011 was never late Discover have violation under FCDPA, FCRA AND TCPA BY RECORDING WITH NO MY PERMISSION I NEED CFPB TO REFER TO THE APPROPRIATE STATE AND FEDERAL AGENCY 'S
Consumer complaint received 2016-05-26
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I had an FHA mortgage with Fifth Third Bank in XXXX, OH beginning XXXX, XXXX. I have met all my FHA requirements. The FHA insurance premium was {$110.00} per month. I have spoken and faxed the bank 's representatives several times regarding removing the FHA insurance premium from my account. I get many different and incorrect answers. 
I have also contacted XXXX who confirmed I have met all the requirements. The XXXX representative, XXXX, has contacted the bank 2 x and the bank stated they removed the FHA premium from my account on XXXX/XXXX/XXXX. I have not received any written confirmation nor a new mortgage statement. 
I paid {$1400.00} ( this is minus the {$110.00} FHA premium ) for XXXX, XXXX. 
Subsequently, I received XXXX letters from the bank stating I am delinquent, owe a late fee and they can not apply my payment to my loan " because the system will not allow them to. '' My XXXX, XXXX payment is sitting in " unapplied funds ''. 
It seems the bank is confusing my escrow which includes property and school taxes and homeowners insurance. It does not include the FHA insurance premium. The bank did review my escrow account and sent me a check for the overage in the escrow account. The bank representatives continually refer to my escrow account when I call. 
This has been an ongoing issue since XXXX, XXXX. I need resolution.
Consumer complaint received 2015-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (AL)

I noticed that I had a split file with Equifax. I contacted them and had the files merged together, but there were XXXX accounts reporting that had previously been deleted. Equifax is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. I called and requested to have the accounts deleted and was told no! I notified Equifax in XX/XX/XXXX that I had been a victim of identity theft and provided them with the police report and all requested information. They were prompt in correcting my reports then. Later, in XX/XX/XXXX I suffered a split file on two ( 2 ) separate occasions. Both times Equifax stepped up and fixed it quickly removing all previously deleted items and restoring my good name. However, there seems to have been a lapse in handling. It is n't my fault that I have a split file and it never happens with any other credit reporting agency. I 'm simply requesting that Equifax delete the previously deleted files from my credit report immediately. The accounts are : XXXX XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$6300.00} XXXX/XXXX/XXXX {$0.00} PAYS AS AGREEDXXXX XXXXHide Details XXXX XXXX/XXXX/XXXX {$1900.00} XXXX/XXXX/XXXX {$830.00} n/a $ XXXX XXXX XXXXHide Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX
Consumer complaint received 2015-07-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

In XXXX 2015, I had settled a debt with XXXX XXXX for an amount less than what was originally asked. This amount was agreed to, and I was given a confirmation over the phone, as well as a receipt over email. However, recently I noticed that a derogatory entry was made on my credit report for the difference between the original debt and what was agreed to in settlement.
Consumer complaint received 2016-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

on XXXX i settle an account with mariner finance the account was marked closed on XXXX. I received an email from XXXX XXXX XXXX Branch Manager stating that XXXX will report this account to the courts and the credit bureau as settle in full not account paid for less full balance i have attached the documents i received from XXXX and a copy of credit report.
Consumer complaint received 2022-09-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc. (TX)

Please read the attached correspondence between XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX, a leasee, with my son, XXXX XXXX XXXX My son lived in apartment number XXXX for 2 years and we were never late with rent payments, even during COVID. My son moved out in XX/XX/XXXX. I and a hired maid, XXXX, cleaned the apartment thoroughly. Even though there was a lot of mold in the bathroom. See attached picture of mold. 
I never received a final bill from XXXX XXXX. The first contact I received was a letter from a Debt Collector, National Credit Audit Corporation dated XXXX XXXX. I contacted XXXX XXXX manager and informed I never received any notice of payment. She said she emailed me the notice. I checked my emails, Im a XXXX  so I receive alot emails, and no emails were received by XXXX XXXX. I asked what email was it sent to and it was XXXX instead of the correct email. 
Please review the correspondence between the debt collector and XXXX XXXX XXXX 
In XX/XX/XXXX, This account was sent to the credit bureaus as a Collection item in XX/XX/XXXX. It was reported even before I received notice from the Debt Collector. This is the only negative thing on my credit report. Why? Because I pay my bills. 

I will pay for repairs but I will not pay collection fees because the account should have never been spent to collection. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Texas XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-08-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: First National Collection Bureau, Inc. (IA)

This phone number- ( XXXX ) XXXX will call atleast 1-2 times a week. I will answer the call, say hello, nothing, no background noise, no sound from whomever it is on the other line and then they hang up. EVERYTIME. 

Today ( XX/XX/XXXX ) I decided to call back. I asked why they constantly call me and never say hello and hang up. Her response was that it was a Robo call and they can not control it. 

This was unacceptable. I asked for a manager his name was XXXX XXXX. He was rude to me, brash and tried to trick me into confirming my identity. 

I decided to research the company and there are numerous complaints against this company. 

I do not feel comfortable providing my name to a company that can not be professional when they call me.
Consumer complaint received 2016-07-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CA)

There is an address on a XXXX XXXX, in XXXX, California, which is incorrect. I lived at XXXX XXXX XXXX # XXXX, XXXX, California, from XXXX until the year XXXX.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ITS BEEN WELL OVER 30 DAYS AND I HAVENT RECEIVED ANY INFORMATION FROM TRANSUNION REGARDING XXXX XXXX AND ITS INACCRATE INFORMATION SENT ON XX/XX/2021.
Consumer complaint received 2015-10-21
Product: Payday loan — 
Issue: Can't contact lender — 
Company: High Point Asset Inc (KY)

Third party company states I still owe for pay day loan from 2011, when loan was paid. High point asset is calling my cell phone and work phone which I have said is not acceptable because I work at a hospital and it effects patient care. I have requested validation of so called debt numberous times by mail only but have n't got a response.
Consumer complaint received 2016-07-05
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (NJ)

Account with ATT/Citbank Universal Card. I disputed receipt of statement but paid without but it was a few days late. They took away the promotional rate of 7.99 to 29.99 accessed fees. Despite all my attempts and payments to resolve this, they gave to attorney. I made agreement and paid the amount. My account was to be marked as closed/ paid. Attorney still filed judgement, but court also found that it was satisfied and paid. Citibank charged off " after '' I paid the agreed amount and is still trying to show it as an open balance. The account should show nothing owed. In the judgement they tried to say i received all statements and I never disputed. But all that was sent to me with each letter was a generic message that i was not entitled to a promotional amount. The judgement also had the court paying me back money. I just want my credit reports to show this is closed/paid. It should not be charged off and with a balance. Filed to have judgement vacated.
Consumer complaint received 2015-04-11
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit report with Transunion shows serious delinquency. All I am asking if I qualify to be seriously delinquent for being late for XXXX payments, which is atleast 3 years old and no late payments after that. How do you grade the latepayments? What happens to XXXX who is late for XXXX or more late payments, ( admit them to intensive care I guess ). I Called them typical answer is you have late payments nothing to be done. I do not agree to the methodology adopted to screen the customers this is not ethical to my unterstatnding