davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Every month, since XX/XX/XXXX, I have notices that XXXX ( my XXXX  loan lender ) is providing an incorrect balance and inaccurate actual monthly payment to all 3 credit reporting agencies. Because, I am trying to improve my credit score, the accuracy of this information is very important. Even the XXXX XXXX monthly balance and actual payment is missing, not reported at all. I believe if all of this information was reported correctly, my credit score would be higher.

Every month, I have had to file a dispute with all 3 credit reporting agencies against XXXX. When I contact XXXX they tell me that they are reporting the correct information. 

Only last month did I learn that XXXX is using a third party distribution center to send the updates to all of the credit reporting agencies. I believe this is were the breakdown may be happening. 

Today is XX/XX/XXXX and all 3 credit reporting agencies are still showing the incorrect balance of {$87000.00} for XXXX. I understand the reporting is one month behind, and that XXXX reports information being reported for the month of XXXX is still showing incorrectly.
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX, Experian and XXXX  refuses to contact XXXX XXXX to obtain a new report which shows they have deleted the bankruptcy from my consumer report. XXXX XXXX even sent a dispute on my behalf which they all refuse to reply to and delete the erroneous information. Documentation has been included.
Consumer complaint received 2017-12-08
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: Experian Information Solutions Inc. (VA)

I have account that I did not open on my credit profile, I cant any validation on the account by trying to contact the creditor This account was fruad and I need it to be deleted from my credit profile .. I sent in some document on account for a XXXX XXXX XXXX total account please help me get this resolved ... I have been residing at XXXX XXXX XXXX XXXX va XXXX for over 8 years Thanks for your understanding
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

This is my third attempt to resolve this issue through the CFPB. 
Equifax does not keep accurate records of my credit report. I shows different lenders different reports. One report from XXXX shows most of my active accounts ( 8 ). I pulled my current report from equifax website which does not show 6 of my currently active accounts and reflects a score of XXXX. When applying for credit in some instances my score ranges from 500 to 650 from equifax due to incorrect information. Im not sure why accounts sometimes disappear then reappear at a later time. I'm attaching two recent reports from equifax to show the discrepency.
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I received my fico score today XXXX/XXXX/XXXX, showing I have delinquent accounts on my account that are way over due and I had a 796 credit score and they dropped it down to 700. Since my claim my score has continually risen. I have not taken any loans out or have any delinquent or late payments on anything. I called the credit bureaus and received continuous robots telling me to buy my report. I want this investigated because it is n't true and I want this removed what ever it is. I believe this is in retaliation.
Consumer complaint received 2019-05-22
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Mr XXXX, My name is XXXX XXXX and I am writing about the inaccurate information that continues to report on my credit file because of the negligence of Transunion representatives. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts to include the actual police report filed with the XXXX Police Department. On XX/XX/2019 I submitted a complaint with the CFPB against Transunion for the fraudulent accounts reporting on my credit file. I received notification from Transunion onXX/XX/19 that these fraudulent accounts had been deleted from my credit file. However, XX/XX/2019, I received an alert form my credit monitoring system that both XXXX XXXX accounts had been re-inserted onto my credit file. I received no notification that these would be re-inserted either. these accounts were to be deleted and blocked. How is this able to happen? I am at a loss! At this moment, these fraudulent accounts are only reporting on my Transunion credit report as the others have deleted this incorrect information. I have since filed a report with the FTC and CFPB again. I am at my wits end and I feel as this process has been going on for well over a year and half with Transunion. I have also reached out to the CEO Mr XXXX for assistance as my rights have been violated. 



The fraudulent accounts to be deleted and blocked are XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX XXXX XX/XX/2018 N/A I never authorized these inquiries. 
XXXX XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX  XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Inaccurate From my understanding, that is against the law right? Because I did not authorize the companies above to pull my credit report, please delete these inquiries today. 
Thanks
Consumer complaint received 2018-02-02
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

my student loans were originally thru sallie mae they were sent to navient. some how one of the accounts were sent to XXXX XXXX XXXX. i have paid navient in full according to XXXX XXXX, XXXX, and federal student loan website. portfolio recovery says i have not paid my student loan in full and still owe around {$2900.00}. there phone number is XXXX all document of proof of pay of were sent to portfolio recovery, which they didn't accept for proof of pay off.
Consumer complaint received 2017-12-08
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. (PA)

I received my fico score today XX/X/2017, showing I have delinquent accounts on my account that are way over due and I had a 796 credit score and they dropped it down to 700. Since my claim my score has continually risen. I have not taken any loans out or have any delinquent or late payments on anything. I called the credit bureaus and received continuous robots telling me to buy my report. I want this investigated because it is n't true and I want this removed what ever it is. I believe this is in retaliation.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

Mr cooper Mortgage company did my annual escrow analysis and it is incorrect. They are trying to increase my payments {$120.00} per month. They added on an extra tax payment that was from the year before. The payment they added was for {$1000.00}. They ran the escrow analysis for 13 months. I called around 5 times to tell them the mistake and the Lady on the last phone conversation pretty much told me, They won't run a corrected analysis. This is every year they do this and then run a corrected one when I call and tell them. They did not pay my taxes 5 times last year, only 4. My insurance was paid too. I am at a loss what to do?? They generate the mortgage statement on a different day each month. They pay the property taxes on different days every 3 months. Sometimes they have paid them late. They have lost payments, paid 2 different insurance companies for my homeowners one year, a payment to the correct insurance company and a payment to the canceled insurance company. And then raised my escrow saying I didn't have enough in it. They have added on charges for drive by to make sure I still live here?? I am at such a loss and need help. I am current with my mortgage at this time but don't know if I can continue to
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America continues to report delinquencies after receiving proofs of its previous errors and even reports new delinquencies in XX/XX/XXXX after the account closed following the sale of the property in XX/XX/XXXX. 
Bank of America previously changed my mailing address without my knowledge or consent and recently provided misinformation to its attorneys regarding communication that was never received during its extortion between XXXX and XXXX ( see attached payment history and memorandum in reference to changing my mailing address.
Consumer complaint received 2018-06-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (TX)

Hi Round-point is refusing to send out a payment from Escow to cover my home owners insurance. I have called and till today they still not have sent my payment. When I asked to speak to a manager or someone that can help, they refuse and place me on a 30-45 min hold. I want to document this event in case something happens to my home.
Consumer complaint received 2017-12-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Machol & Johannes, LLC (WA)

I have given my Power of Attorney to XXXX XXXX XXXX. I recently received a Motion for Summary Judgment. I called the Attorney Office Machol & Johannes and asked why they did n't send it to XXXX, and also that we were in negotiations to settle. They told me that negotiations had stopped in XXXX. I was not aware of that and was surprised to receive the Motion after I told them several times that XXXX had my Power of Attorney and they should be contacting them.
Consumer complaint received 2017-03-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (PA)

I have had ongoing issues with Chase Bank ( Credit Card Services ) and because of all the problems I have been experiencing I escalated several complaints to Chase 's Corporate Department and have spoken to various representatives. The problems were pertaining to their dispute department with the uneducated and sometimes nasty agents I had to speak with as well as Chase 's Customer Service Department. I have to call several times to try to get a representative that can assist me and many times have to ask for a supervisor to assist me properly. Most recently on Friday, XX/XX/2017 I had requested to speak to a supervisor about a purchase of a cell phone case that I should have received that day but did n't. I explained the situation to her and she said she was crediting my account immediately for {$5.00}. Tonight, ( XX/XX/2017 ) when I checked my account on line, I did not see the credit ; therefore, I called Chase 's Customer Service Department to question the status of the credit. I was told by XXXX, the agent I spoke to that no credit was applied to my account and that the supervisor 's notes did n't mention the credit. XXXX was also referring to accounts that I am not aware of and also had the incorrect phone number for which I had updated the new number many times. I was not satisfied with the agent 's handling of the call so I then asked to speak to a supervisor and was connected to XXXX who tried to assist me but unfortunately XXXX XXXX said their systems were down and he could take my complaint but could n't provide me any account information because of the system update. I questioned as to why XXXX a few minutes prior was able to give me information, albeit not all accurate. He said he should n't have given me any information because when the systems are updating the information may not be correct. So, once again, I am going through this vicious cycle with Chase. I did ask XXXX, the supervisor, to please listen to the recorded call that I had with the prior supervisor who verified several times that she was immediately going to issue a {$5.00} credit to my account because I feel the supervisor misrepresented me about the credit. 
At this time, I have more than adequately provided Chase with any updated personal information that is needed for my account ; therefore, it should be accurate. Although I have provided them my current phone number many times, they are still calling me on a prior number that I very rarely use. They are also leaving messages on that phone which I hardly check. 
How many times should be considered reasonable and necessary that I have to contact Chase customer service and their dispute departments to get a simple issue resolved?
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Credit report was obtain without consent which I believed to be a identity theft. Went to a car dealership and they ran my credit without consent to multiple financial institutions without consent. I am unable to resolve or dispute inquiries with the credit bureaus.
Consumer complaint received 2021-02-09
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: CITIBANK, N.A. (NY)

On XX/XX/XXXX my bill for account CITICARDS CBNA ( Opened XXXX XXXX, XXXX ) did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2017-12-08
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. (MS)

I have disputed itemd several times, along with proof to support my claim and they still refuse to remove inaccurate items. Now they refuse to dispute the items anymore.
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I received my fico score today XXXX/XXXX/XXXX, showing I have delinquent accounts on my account that are way over due and I had a XXXX credit score and they dropped it down to XXXX. Since my claim my score has continually risen. I have not taken any loans out or have any delinquent or late payments on anything. I called the credit bureaus and received continuous robots telling me to buy my report. I want this investigated because it is n't true and I want this removed what ever it is. I believe this is in retaliation.
Consumer complaint received 2017-10-14
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. (CA)

I am a victim of the EQUIFAX data breach in that on XXXX XXXX I was made aware of several HARD INQUIRIES that were NOT initiated by me. 

I was given a letter of courtesy by some of the FRAUDULENT Hard Inquiries that have been removed : XXXX XXXX XXXX - Pending, letter confirming backlog of requests to remove fraudulent inquiries. 

Now, I filed an incident report with XXXX XXXX XXXX in California due to the fact that I was told by XXXX until I did so, I they would not remove a HARD INQUIRY. 

Now, they after doing so they still refuse to remove the false hard inquiry which falsely stays on my credit report for 2 years, even though My credit report has been in a FREEZE status for several days now, and to prevent further problems with my credit, there is a fraud alert on all 3 reports. 

XXXX said I had to mail an affidavit to them, which I did and I also mailed a copy of the XXXX XXXX Fraud Complaint to prove the fact that I NEVER applied for credit with them, but they still refuse to remove the false inquiry. 

In closing, even law enforcement said that XXXX never cooperates with their investigations and I have seen first hand that they arrogantly refused to remove this inquiry for a revolving credit application on XXXX XXXX. They refuse to give me a copy of the application for credit which I have been told is my right. 

The reference number for this incident by XXXX is Customer # XXXX I know that my confidential and personal information was compromised. To obtain credit online they have my correct SSN, My Drivers License, and my DOB. They have all been used to attempt to purchase an automobile, over {$6000.00} in furniture, and 9 credit cards have been closed due to fraudulent charges. 

Please help me with XXXX because they are allowing false information to remain on my credit report.
Consumer complaint received 2016-07-11
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (NY)

I have a business account with Chase. My fiance is a signer on the account and has her own debit card. She deposited a check made payable to her personally into the business account. She received a receipt saying that it may take up to 10 days to clear. I received a letter from Chase and was told over the phone that due to the deposit, my account was restricted and would be closed unless they received certain information from me -- specifically wanted to know the phone number associated with the payer 's account. While this seemed unusual, I asked the payer for the phone number associated with his business account with XXXX XXXX XXXX. He told me that the check had cleared his account and emailed me copies of front and back of check indicating it had been paid ( attached ) also gave me the phone number. The Chase phone person said that this was not the right number associated with his account, Dozens of phone calls and two weeks later the funds sit in a suspense account at Chase " indefinitely '' and my account is being closed by Chase at which time the payer can request the funds be returned to his bank, so long as he provides the information that Chase is looking for. Of course this is absurd and I would hope be illegal as it is basically stealing. Does Chase have a right to hold money indefinitely and require personal information from a paying account not even related to Chase?
Consumer complaint received 2022-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

I'm a XXXX XXXX XXXX XXXX and I'm exempt from paying since 2021 State Property taxes and I sent my Mortage company all of the necessary paperwork from my county state indicating that I'm exempt from paying property taxes and my mortage has declined from removing the taxes from my payment and still changing me to pay taxes on my mortgage. this is against the law to keep me paying property taxes when I'm exempt from paying taxes. The Mortage company is PHH I need help to resolve this issue.