davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NJ)

In XXXX XXXX my sister and I purchased our family home from our parents for {$310000.00}. We share a XXXX ownership and are both on the title and original loan. We used XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX Phone # XXXX. At time of closing the Lender was XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 

In XXXX XXXX we decided to refinance and used the same Title company and Lender as stated above. Once again my sister and I provided proof of our incomes and all other requested documents. We were given a closing date of XXXX/XXXX/XXXX. We arrived at closing and signed all Documents for the 1st Mortgage {$330000.00}. For some reason the 2nd Mortgage for {$51000.00} documents were n't ready and we were told to come back on XXXX/XXXX/XXXX for the 2nd closing. We did so and both signed all documents. We received all Payoff and Excess cash to close checks during this second closing. 

Our first mortgage was sold tXXXX XXXX XXXX XXXX. Our 2nd mortgage was sold to Citimortgage. Somehow during this change of Lenders my sisters name was left off of both  Loans. When I inquired about it to both Lenders they new nothing of the shared ownership or of my sister being on the Loan. I contacted the Title Company and the Original Lender. Wanted to know why I was the only one on the Loan when both incomes were supposed to be used. Never got a satisfactory answer or explanation. 

At this point I felt stuck in the situation. During each Closing we were never told or given a fully understandable explanation about the ARM and Fixed interest rates on these 2 mortgages. The first mortgage was refinanced to {$330000.00} and was an ARM@6.250 % for 360 months. This Loan was held by XXXX XXXX XXXX for 7 years then sold to XXXX. Neither lender would refinance after we tried multiple times. Finally in XXXX XXXX after 10 years we were able to refinance the 1st mortgage with XXXX Loans whom we are extremely happy with. They attempted to consolidate both 1st and 2nd Mortgages into 1 Mortgage Loan but Citimortgage refused. The 2nd Mortgage with Citimortgage was for $ XXXXXXXX7.995 % fixed higher than the first for 180 months ( 15 years ). In 10 years only {$6800.00} has gone to the principal. Leaving a balance of {$44000.00}. How is this balance supposed to be paid off in 5 years with {$370.00} monthly payments? 

My main complaint would be with 3 entities ; 1. XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX Phone # XXXX. This office is now closed and all records are in storage. I requested copies of my closing files while trying to refinance. Received my records from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX. 2.  Lender was XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 3. Current Lender of 2nd Mortgage, CitiMortgage, Inc. XXXX. XXXX XXXX XXXX XXXX, SD XXXX XXXX.
Consumer complaint received 2020-04-30
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. (GA)

My complaint is in reference to Experian Credit Reporting agency, regarding fraudulent accounts remaining on my credit file. After contacting, the original creditor and consumer credit reporting agency. I was told by Experian department to file a FTC identity theft report Affidavit in order to have the fraudulent accounts blocked and deleted from my credit file. I sent Experian the required documents via certified mail on XX/XX/2020. However, the following accounts still remain on my credit file. XXXX XXXX XXXX  # XXXX ... XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX # XXXX.I was told by Experian according to federal law Fair Credit Reporting Act. That the items contain in the theft report will be blocked/ deleted seven days prior to receiving the theft report. It has been well over 30 days since I sent Experian the required document. It is a awful how the credit bureaus handle fraud victims. I feel treated as a suspect instead instead of a victim. Please assist in resolving this urgent matter.
Consumer complaint received 2024-02-22
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX LAST XXXX OF SSN # XXXX XX/XX/2024 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Credit Agency, I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

Violation # 1 XXXX XXXX XXXX XXXX HARD INQUIRY XXXX XXXX XXXX XXXX  According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX keeps reporting a collection account with a past due balance. They also keep updating the past due date. They are illegally reporting inaccurate information about me. This is a violation of FCRA and is a violation of compliant reporting standards. According to the FCRA I have a right to a completely accurate credit report. 
XXXX XXXX XXXX XXXX keeps reporting a collection account with a past due balance. They also keep updating the past due date. They are illegally reporting inaccurate information about me. This is a violation of FCRA and is a violation of compliant reporting standards. According to the FCRA I have a right to a completely accurate credit report. 
XXXX XXXX XXXX  keeps reporting a collection account with a past due balance. They also keep updating the past due date. They are illegally reporting inaccurate information about me. This is a violation of FCRA and is a violation of compliant reporting standards. According to the FCRA I have a right to a completely accurate credit report.
Consumer complaint received 2022-07-20
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I sent out multiple disputes to all 3 bureaus. I called Transunion yesterday to have my disputes removed off my credit report due to no response within the 30 day time frame by law. I did not bother calling XXXX since I had not heard back from them either and was expecting the same response. The representative I spoke with from Transunion said they did not have any letters from me. I confirmed the address and also stated that XXXX did not have any issues receiving my mail as they responded to all 3 disputes. Because I have filed disputes with XXXX before, I felt they didn't thoroughly investigate due to how fast they responded to me, but they did respond within 2 weeks. 

Disputes 1. I have a XXXX XXXX card with missed payments between XXXX of XXXX and XXXX of XXXX. I did not miss any payments before or after those dates. I stated that I was in between jobs during COVID and that's why those dates are missing payments when I was not employed. I asked for those missed payments to be removed or waived since I have 2 more XXXX XXXX cards that are both in good standing. 

2. XXXX XXXX XXXX states that the original creditor is XXXX XXXX and that I owe {$490.00} on an account that I did not activate. Again, I have 3 cards with XXXX XXXX and I would not apply for a card with the intention to never make any payments. I lived in a house where I was renting a room with XXXX people who were renting rooms as well at the address and I wholeheartedly believe someone somehow activated the account because I have no idea of where this account came from and I asked for this to be removed from my report. 

3. XXXX XXXX XXXX is the lender for the repossession on my credit report. The company XXXX XXXX XXXX XXXX ) ( XXXX XXXX ) I purchased that specific car from settled in court for using " deceptive and unfair sales and financing practices, deceptive advertising and deceptive reviews '' - Federal Trade Commission. I lost my job at the time, however, the payments were more than what what was offered over the phone and via email. The representative sold me a defective car. The car jerked as we test drove and when I asked him about that he stated, " the car hasn't been driven in a while, that's normal ''. The XXXX XXXX XXXX had many recalls for that " jerking '' issue as it continued to happen. Due to XXXX XXXX XXXX working with a deceptive company, I would like to have them removed from my credit report. 

I did not know this information until after and attempted to call XXXX to update them regarding this and as I stated above, I do not believe they included the additional information regarding the lender working with a deceptive company since I ended up with they did not remove this from my report so the 3rd letter won't state the updated information regarding the settlement.
Consumer complaint received 2017-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NY)

Contacted by Resurgent Capital Services via Mail regarding a XXXX Debt to XXXX via XXXX XXXX account. Debt is outside Statute of limitations for debt collection for NY State and I was already sued in XXXX and WON against a prior junk debtor affiliated with Resurgent, LVNV Funding. LVNV could not establish chain of custody and was not the original debtor. Also was outside of SOL so the case was dismissed. 

It seems they are trying to take another bite at the apple and the letter states that " court rules require that you tell the court that the SOL has expired to prevent the creditor from obtaining a judgement ''. So I have to spend time and money to write a letter on something that was already dismissed but since the debt was sold to a partner of LVNV they can again try to do this to me? It seems there are really no protections for customers.
Consumer complaint received 2021-08-19
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I did not authorize my personal medical information to be shared by the orginal company XXXX XXXX XXXX XXXX shared to 3rd party debt collector. This is a direct violation of my rights through a hippa violation and I want this deleted immediately!
Consumer complaint received 2020-10-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Finance Company, Inc. (CO)

I am being harassed and notified to be sued if I dont pay a collection that I already disputed and showed proof of why I am not responsible for the collection. It was already removed from my credit reports earlier this year and my insurance has already sent forms to the other party and myself that these charges are not my fault. This has to do with an accident I have had on XX/XX/2017. XXXX ambulance took me to XXXXXXXX XXXX XXXX. They never sent me no forms of mail to me or my insurance company which is XXXX XXXX describing payment for ambulance ride. They sent a collection against me without contacting me first. I was notified about the collection two years later and my insurance had said it was there fault for not notifying me or them about the charges within a year. My insurance company also told me they sent the collection against me 30-40 days after my accident which is a untimely matter. If they wouldve just let me know about these charges back in 2017 my insurance company wouldve paid the amount. But they didnt and now my insurance company have sent forms and spoke to them that they are not to go against me or them for these charges. Professional Finance Co is the debt collector that is trying to sue me and harass me about this debt collection and Iam not responsible.
Consumer complaint received 2020-11-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I XXXX XXXX have been impacted Covid 19 and my state has a surge of covid 19 deaths and on 30 day lock presently and I am trying to stay safe. 

I have a invested property XXXX XXXX XXXX XXXX il that I have owned for 13 years and my tenant has moved out 9 months ago during the pandemic. 

I can not afford to fix this house back up after spending my life saving well over {$150000.00} or more and I am not working. 

I can not afford to keep this property and a tax buyer has purchase the taxes due {$24000.00} according to my Estimate Cost of Redemption good for 30 days only. 

The property according to the BPO from a licensed Realtor rececived comps with the damage and condition the property is only worth {$34000.00} Now I had requested to do a deed in lieu and instead of giving my {$10000.00} per letter from my SPS attachted. 

I went the extra mile to find a cash buyer to pay my investor {$10000.00} and pay off the outstanding Taxes and water bill to protect my credit avoid filing bk ruining my credit and leaving my investor with the mtg getting wiped out. I have submitted the purchase contact Offer and Estimate Tax Redemption from my County Clerks Office and outstanding Water bills. 
The redemption is only good for 30 days I was told.
Consumer complaint received 2021-10-14
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. (NV)

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 2020-10-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (MI)

Quicken Loans ( " Rocket '' ) engaged in predatory lending practices. Rocket used misleading advertising and promotions to target a borrower that does not have any financial resources. Rocket has a promotion with LegalShield that advertises a {$1500.00} reduction in fees. Rocket does not honor that advertisement. Rocket misapplied the down payment on the home to excessive and undisclosed fees at the closing ; thereby unlawfully increasing the debt amount by {$1500.00}. Rocket circumvented legal counsel and strong-armed into signing inappropriate documentation. These documents are not admissible in court and Rocket now seeks to enforce these unlawfully obtained signatures. These unlawful activities seem to be widespread within Quicken loans. The borrower made a formal written complaint to Rocket which should have been turned over to internal compliance. Rocket executives stated that they do not have an internal compliance department. Rocket used strong-arm tactics to enforce the additional principal and interest payments on the loan. Payments were made which were legally not owed, Rocket took the money and laundered it under US Law. Rocket has engaged in a pattern of Mail Fraud, Wire Fraud and RICO under US Law. Finally, Rocket sold the loan without proper disclosure ; thereby engaging in securities fraud. These issues are so widespread within Quicken/Rocket that all of their people know the registered agents address to serve legal process.
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello I have two late payments on my account which is not true I contacted capital one many times and they keep updating the same incorrect late payment from XX/XX/2017 a 30 day late payment and a 60 day late payment
Consumer complaint received 2020-10-29
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. (TX)

Good Day, I am XXXX XXXX XXXX and my reason on reaching out to you is to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2020-10-29
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: I.C. System, Inc. (CA)

XXXX XXXX is still reporting on behalf of XXXX a telecommunication firm that is reporting an amount on my credit report for service that I never received or utilized I advise the rep who called me that I am not interested in service and they still signed me up. 
i have been scammed and want this off my credit asap of all bureaus I have called and ask to h=get help from both XXXX  and the credit company that purchased the debt are not removing even after I have asked for them to prove the debt and they cant. 



XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$140.00} Date Updated : XX/XX/XXXX Original Amount : {$140.00} Original Creditor : XXXX XXXX
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

- XXXX XXXX paid off HSBC credit card for {$3800.00}. 
They said they would send " paid in full ' later. 
- XXXX or XXXX XXXX recurring charge for XXXX XXXX XXXX XXXX came in and HSBC paid it. 
They never notified me ( I was paperless billing and acct was closed ). 
- XXXX XXXX they added {$15.00} late fee I was told. 
- Interest and another late fee was added at some point. 
- Around XXXX or XXXX XXXX got bill for {$62.00} ( XXXX + XXXX in interest and late charges ). After bounced repeatedly over the next few from csr to  collections to csr and back, I got fed up.

- XXXX XXXX paid the {$62.00} to HSBC collections. XXXX said would refund the late and interest but I have NOTHING in Writing that says that. 
- I did not check SXXXX XXXX XXXX payment issue but I will pay the XXXX from XXXX XXXX XXXX. 

One reason I closed the HSBC account was that HSBC would post debits right away but wait days to post a payment ( and I believe rack up interest charges in the meantime ). They did it again here ( not close my account right away but took the debit charge immedtly ).
Consumer complaint received 2023-03-26
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: EQUIFAX, INC. (AL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-16
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: Experian Information Solutions Inc. (TX)

I have disputed several accounts from my credit report with XXXX, Experian, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020
Consumer complaint received 2020-11-16
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 identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately