davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing because there is a fraudulent account reporting on my credit. My information was exposed in the Equifax data breach. As per section 605-b of the FCRA, this account was must be blocked and removed from my credit report within 4 business days of receipt of this dispute.
Consumer complaint received 2020-11-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MST Financial Services, L.L.C. (WA)

While on vacation I had to visit an out of XXXX XXXX XXXX XXXX XXXX, ID because I needed an XXXX. It was a work related injury so all hospital bills went to XXXX  XXXX XXXX XXXX XXXX. The imaging department of the hospital made a mistake and incorrectly billed me for {$140.00}. I called the hospital and gave them the phone number, case number, and claim representative. I never heard from them again until I received a notice in the mail followed up by a call from the debt collection company Chapman Financial Services , Inc. Once again, I explained the situation and gave the person on the phone all of the relevant information. She seemed fine with the information provided and months went by with no notice. I thought everything was taken care of and I never received another communication regarding the matter. However, recently I purchased a car and noticed that Chapman Financial Services , Inc. put a " collections '' notification on my credit report. I called them and let them know that this was a XXXX XXXX XXXX XXXX XXXX bill and that it did not belong to me. They said they were unable to get a hold of my claim agent and so the debt therefore belonged to me. They refused to look into it further and said my credit would be damaged unless I paid. I have never made a late payment in my life, so I was scared and paid them to make it go away. This isn't fair because it isn't my debt and I did nothing wrong!
Consumer complaint received 2021-10-15
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. (SC)

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 2021-06-03
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (VA)

We refinanced our existing Navy Federal VA mortgage with Navy Federal. We started with asking questions as we were not sure if refinancing made sense. We stated that it was important to us to keep fees low and lower our monthly payment. We were given an estimate of {$12000.00} but were also told that was a high estimate and once the figures were revised, closing fees were like to be lower. Closing costs ended up at {$13000.00} by the time we closed. 
We discussed our escrow account with our mortgage processor, XXXX XXXX, where XXXX told us that we would have to start a new escrow account despite having one with our current mortgage. XXXX told us that our current escrow account would be disbursed to us. XXXX never discussed using the escrow account to pay off our current mortgage. Yet when I called Navy Federal over a month after our closing to determine the status of our escrow account, I was told that the account had been used to pay off our old mortgage. Closing documents show the {$5600.00} going to pay off the old mortgage so I do not question where the funds went, but I am outraged at the lack of communication as we were planning on using the {$5600.00} for cash needs. 
We were further outraged to receive a letter from Navy Federal a day later stating a recent review of our escrow account showed a need to increase the balance by {$910.00} or {$75.00} more with each monthly payment. This letter arrived a little over a month after our closing, before our first payment was even due! 
I called Navy Federal to lodge a complaint. I was told to go online to submit my complaint, which I did on XX/XX/XXXX. I received a generic acknowledgment on XX/XX/XXXX stating someone would contact me. I have yet to hear anything from Navy Federal. 
Having worked in financial services my entire career and knowing what disclosures and protocols must be followed, I find Navy Federals actions unacceptable and deceptive.
Consumer complaint received 2018-06-14
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. (TN)

I have credit inquires on my Equifax report that I didn't authorize and I have since put a fraud alert on my report to prevent this from happening in the future. 

1 XXXXXXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX
Consumer complaint received 2020-12-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Chrysalis Holdings LLC (MD)

XXXX XXXX XXXX XXXX  Loan application date XXXX Credit score XXXX Home appraisal value {$320000.00} Refinance {$160000.00} Company NEWDAY We applied for a refinance with NewDay on XX/XX/XXXX. The forms were submitted after " E Sign '' on XX/XX/XXXX. 

Our agent XXXX XXXX Account Executive XXXXNMLS # XXXX Company NMLS # XXXX disappeared for over a week, with no response from NewDay, His Cell Phone, or fax. 
He returned with a vague apology but was " terminated '' and I was given a new Broker The home appraisal was done about the 1st week of XXXX and the appraiser determined our outside deck and a retaining wall on a patio ( about 20 ' from our home ) needed to be repainted. It was to cost us {$900.00} but was completed on XX/XX/2020. 

On XX/XX/2020 we were first asked ( the first of 4 conference calls ) to join in a conference call with XXXX XXXX NewDay 's agency for Mortgage verification. 
Newday kept losing or were getting incomplete documentation from XXXX XXXX. 
We returned home yesterday and when I called NewDay my broker XXXX XXXX told me that XXXX XXXX hasn't given Him the new payoff balance ( the original figure has changed because of NewDay 's " foot dragging '' ) and asked me to call
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-20
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. (CA)

I am a victim of identity theft as a result of the Equifax data breach that took place from XX/XX/2017 to present. As a XXXX, this incident has cost me countless opportunities for funding and assistance due to Equifax 's negligence. 

The Equifax data breach exposed my sensitive personal information, including Social Security number, Driver 's License, birth date, and address etc., This information has been used by identity thieves to open fraudulent accounts, make unauthorized purchases, and damage my credit score. 

As a result, I have faced significant financial losses and difficulties accessing financial aid or loans. The consequences of this identity theft have had a major impact on my life, making it difficult for me to pursue my educational goals and causing me unnecessary stress and hardship. 

I have spent countless hours trying to repair my credit, made numerous phone calls to financial institutions and credit bureaus, taken classes on identity theft prevention, and spent significant amounts of money on identity theft protection services. Despite my efforts, I will forever need to look over my shoulder, constantly worrying about the possibility of further identity theft and its consequences. 

As a student, this experience has taken a toll on my mental health and has created additional stress and hardship. It has caused me to miss out on important opportunities for funding and assistance and has made it difficult for me to focus on my studies and pursue my educational goals. 

The Equifax data breach was a result of the company 's negligence and failure to protect the sensitive personal information of millions of people. As a victim of this breach, I demand that Equifax takes full responsibility for its actions and provides me with the necessary support and resources to help me recover from the impact of this incident. 

The time, effort, and financial resources that I have had to spend in order to repair my credit and protect my identity are a direct result of Equifax 's negligence, and I expect the company to take responsibility for its actions and make things right.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The bank that my car loan is through sent me an email in XXXX of 2023 stating that I did not have coverage on the vehicle and that they would add cpi ( insurance ) if I did not send proof of insurance. Thinking this was a fluke I sent in my proof and waited. Then I got another email a month later stating the same issue so I sent in proof again, I got an email on XX/XX/XXXX saying they would get back to me in XXXX days. I got a response within the same day saying the format is incorrect so I resent the information in the correct format and never got a response. I got another email stating I needed to send proof of insurance on XX/XX/XXXX and I sent in my insurance again, I didnt receive any responses or notifications of needing proof of insurance again. Then in XXXX I get a notification that I am 30 days late on a payment, Im thinking this is impossible since I create a payment from my bank that then automatically goes to the account, when I look at my bloom account the payment more than doubled with the added cpi. I am frustrated since I sent in proof of the insurance and I even emailed and talked with a person over email about this so why wasnt I notified or given proper direction on what to do. I go into a physical location and the person was giving me a horrible interaction even once she realized I was submitting the proper papers for insurance. I then go to another location and they see my information and the documents submitted and agree that the info is correct and then remove the cpi. My problem is I was never notified that the cpi was added, there was no date or paper stating this, I was not told if anything was wrong with my documents after the initial email, I did not receive prompt help, and the bank messed up on their end by denying my documents were inadequate when they truly were. I never miss a payment so this is tanking my score when this was an issue on the banks end. I did play part and I paid for insurance and had it on the vehicle, I submitted documents proving it and I emailed and went into a physical location with no help. Even after this was finished I emailed the loan officer that helped to see if I can recoup any of the fees charged to pay the credit card I intended on paying off with the funds I had to use to pay the car payment that doubled.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

I have filed a complaint recently with Experian about XXXX reporting incorrect information and that has been resolved. This complaint is NOT THE SAME- is a totally new complaint however, Experian 's site will not allow me to dispute this erroneous 30 day late item. When you try to upload new supporting documents about XXXX the site will not allow you too. Experian should not be operating in this manner. XXXX has reported my vehicle payment 30 days late last week on or about the XXXX of XXXX and they should not have as the vehicle was totaled and paid off. Therefore, there should be NO LATE PAYMENT on my credit report. Here is the initial dispute I sent last week- that was closed stating I had filed this complaint already and this is not true. 

XXXX Hello, I have had an ongoing issue with XXXX XXXX during COVID about reporting erroneous information to the credit bureau ( s ) since they are aware of this disaster and XXXX told me they would not be reporting payments not received or late. Due to COVID 19 my employment has been shut down and our office closed since XX/XX/2020. However, my payment was current until this month whereby I was ran off the road on XX/XX/2020 and suffered injuries and totaled my vehicle due to an 18 wheeler hitting us and not stopping on the highway. XXXX was notified and an inquiry was made to them by my insurance company for a payoff amount. In addition, my adjuster contacted them on Friday, XX/XX/XXXX to get a correct statement on tax and sales of the vehicle. I paid this fee and my insurance company in the settlement had the monies going to XXXX. Therefore, XXXX has received the payoff - were notified and has been updated again last week. XXXX ( AGAIN ) reported a late 30 day payment to Experian, XXXX  and XXXX  as well. They should not have, just like they should not have a couple of months ago. I want this information removed immediately from all bureaus and it has impacted my credit score and caused my beacon points to drop a negative 48 points.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

i would like to file a complaint on EQUIFAX for continuing to report inaccurate and unverified information on my credit report. I sent a copy of the check from my insurance company to equifax and also disputed the incorrect information and still equifax has ignored my proof and violating my consumer rights according to FCRA. 

On XX/XX/2021 my insurance company sent check in the amount of XXXX, paid the account off in full. On XXXX XXXX I received a letter and check in the amount of {$120.00} attached from XXXX XXXX stating the car loan was paid in full and that I overpaid the account and they were refunding me. In XXXX, & XXXX I paid my car note even though my insurance company had paid the account in full in XXXX because I was advised my a XXXX XXXX representive that Even though they did receive the check on XX/XX/XXXX that my account had to be updated and it would take serval weeks in which i found that odd. I have never missed a payment and this error has effected my credit scores bad. I have called all 4 companies and have been unsuccessful resolving this issue.

I want the CFPB to publish this description XXXX  information on my credit report. My XXXX XXXX account was paid in full
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 — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

There are accounts that were included in the bankruptcy but still listed on my credit report. According to the provisions of the Fair Credit Reporting Act 609 A1 E2 Validation and Disclosure 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.
Consumer complaint received 2018-06-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I had several major medical complications in XX/XX/XXXX with three hospitalizations ; and with my husband having to take time away from work and major medical bills the expenses really started to affect our ability to stay up to date with our mortgage. I applied for a mortgage modification with Mr.Cooper and they decline despite the fact that all required documentation was sent to them. I decided to accept a payment plan.The plan stated I would make 3 payments in the amount of {$1700.00} from XX/XX/XXXX to XX/XX/XXXX. We made all three payments as agreed. The terms of the agreement stated that once we completed the payment plan our mortgage would be current and we would continue making our regular monthly payment of {$1000.00}. The problem is that the Mr.Cooper did not keep their end of the agreement and upon completing the payment plan we continue to receive statements stating the payment due is {$1600.00}. This amount includes {$210.00} in fees that according to the plan should not have been assessed. I have made multiple attempts to resolve this issue with the lender with no success. In my last call I was told a case was opened to investigate the issue but over 4 weeks have passed and I never received a call back or any communication. In the meantime the lender has continued to send us harassing letters stating their intentions to take our home.
Consumer complaint received 2020-11-01
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: CAINE & WEINER COMPANY, INC. (NY)

On XX/XX/2017 XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold to Caine Weiner and I am no longer responsible for the account. Debtor 's creditor did not verify this account. There was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt. Anyone can send a bill and claim that it is mine. According to the FCRA act, XXXX XXXX  has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
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: Experian Information Solutions Inc. (GA)

I notice My social has a fraud alert on it. I contact all respected bureaus to remove the alert. Everyone took off the alert except Experian. It's been over 60 days. I've mailed in requested documents certified mailed and I also disputed via online. However, it's still showing up as a fraud alert on my profile. Below I've attached the report numbers and confirmation. 

XXXX XXXX, The results of the processing of your dispute ( s ) are now available. View the results instantly online. 

For your protection, the results will be available online for 30 days. 

Your Report Number is : XXXX Your Investigation ID is : 01 XXXX XXXX, The results of the processing of your dispute ( s ) are now available. View the results instantly online. 

For your protection, the results will be available online for 30 days. 

Your Report Number is : XXXX Your Investigation ID is : 02
Consumer complaint received 2020-11-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Associates (VA)

The debt was one of several medical debts I had. In 2017 I had begun paying off first the smaller amounts owed. The debt in question was {$410.00}. The Collection agency was XXXX XXXX XXXX. This bill was paid in full by personal check written XX/XX/2017. BUT it keeps re-occurring on my credit report under the credit collection agency of Piedmont Credit & Collection Service. I have reported this to both XXXX  and XXXX  but it keeps coming back when I check my credit report/file.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.