davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

The current holder of my Mortgage, Freedom Mortgage Company at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX NMLS ID : XXXX has failed to pay my Taxes out of the escrow account for the past 3years, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They had an incorrect TAX ID entered for my property and have been using my money to pay the TAX bill on a different property. XXXX county and the City of XXXX received this over payment and returned it to Freedom mortgage company, who now have no record of the returned payment. In XX/XX/XXXX I received notice of failure to pay XX/XX/XXXX property taxes from the city of XXXX. Upon calling the City of XXXX I found that they had not received payment for XX/XX/XXXX and XX/XX/XXXX and these tax leans had been sold of to a third party lean holder, XXXX XXXX. If XX/XX/XXXX taxes were not payed by XX/XX/XXXX they to would be sold off to the same lean holder. I called Freedom mortgage company In XXXX where they discovered the issue was their fault and they would get it fixed in 7 days. 30days after that call they still could not provide me with an update on the back taxes and the payment of XX/XX/XXXX 's taxes which were now due in 5days. I then paid the XX/XX/XXXX taxes and fees out of my pocket so that these would not be sold off again. I have called on a weekly basis since then, no one from management has ever called me back and the only people that can provide updates on the status are the TAX Department and the Escrow Department however you are not allowed to speak with them directly. On XX/XX/XXXX I sent to Freedom Mortgage company the payoff amount required by XXXX XXXX for the XX/XX/XXXX and XX/XX/XXXX tax Bills amounting to XXXX to release the Lean. I also sent the receipts for my personal payment of the XX/XX/XXXX taxes and fees amounting to XXXX. Every time that I call in they tell me that a resolution will be provided in 2 week ... At then end of may a note was placed on my account that payment was sent to XXXX county for XXXX dollars and I was called stating a refund was being sent out to me. XXXX county is not owed any money.and no one ever called me. They can not tell me exactly where or who they directed the XXXX county payment or its current status. They also do not show any payments being sent to me. Every 2weeks I call in and get a new Customer service person on the phone, restate my case, correct the miss information, resend receipts and am Told this has been escalated and I will receive a call in 7 days. There is never a call and the process repeats upon me calling in.
Consumer complaint received 2022-09-14
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. (GA)

On XX/XX/2022, the consumer sent a dispute letter to Experian to validate accounts on credit report. According to their results report number XXXX there are accounts that have been verified and updated as such. Consumer has expressed to Experian multiple times in accordance with 15 USC 1681a ( 2 ) ( A ) ( i ) a consumer credit report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. However, Experian is only authorized to collect, use, sell and or share consumers personal data and financial information relating to consumer in accordance with the direct and written instructions from consumer prior to any use of consumer personal and financial information. This is not the first time the consumer has written to Experian asking who gave them consent to furnish any information. According to 15 USC 1681b ( a ) ( 2 ), the consumer has not under the following circumstances and no other provided the written instructions of which it relates. The consumer is aware that an elaborate mechanism has been developed for investigating and evaluation the credit worthiness, credit standing, credit capacity, character and general reputation of consumer which in this case is causing consumer to lose equity. Experian and with their unfair credit reporting methods are undermining my confidence in the banking system. It is Experian due diligence to exercise their grave responsibility with fairness, impartiality and a respect for the consumer 's right to privacy. Experian is insolent and has disregarded the consumer. Consumer has given Experian written instructions multiple times to update these allegedly accounts to paid in full and no derogatory marks as debt was cancelled and is now considered taxable income. As no income shall not be reported on a consumer report and credit respectively. The accounts that are to be updated are XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2018-07-05
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: WELLS FARGO & COMPANY (VA)

XXXX credit report for me showed an account that was not mine. XXXX attributed that invalid report to Wells Fargo Bank. Wells Fargo Bank denies that I had that account, and denies that they provided the information to XXXX. One of them is not telling the truth, and each blames the other. There are public reports that Wells Fargo caused many false or invalid accounts to be created, but XXXX will not give me specific information about which office or branch of Wells Fargo XXXX says submitted this information.
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NCC Business Services, Inc. (GA)

Although this dated collection from XX/XX/XXXX is not mine I have had difficulty getting it removed. 

As an attempt to settle the matter I sent an settlement offer letter directly to NCC BUSINESS SERVICES INC. on XX/XX/XXXX. 

The 30 day allowed to time for the company to respond has long passed. 

( Letter and Certified mail receipt
Consumer complaint received 2020-01-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LEADER ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX started a Refinance w/ Lender One Financial out of XXXX Tx . The Broker was XXXX XXXX NMS # XXXX. Worked with this broker for 2 months and was told that my refi was a difficult refi. I was given all kind of reason why and was made to believe it was going to be hard. They had me to do a survey and two appraisals that cost me over {$2000.00} and one of the appraisals was not authorized by me and was charged to my credit card. I finally after inquiring with others, went to another broker. This broker has me closing in 3 weeks. We have been trying to get a release letter signed for the appraisal that was paid for from This Company for week, I have been passed from one to the other and still do not have letter. I know this is not right, should have been done the day I requested it, that is the normal. It is holding my closing up and I do not want to pay for another appraisal. My last contact was on XX/XX/2020 with this company. Please Help with transfer letter. This has jeopardized my refi with this other company.
Consumer complaint received 2020-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

To Whomever This May Concern : First and foremost, this is me, XXXX XXXX submitting this complaint. I am not using a company. This is me filing this complaint. 

I am submitting this complaint because this company named XXXX XXXX XXXX, has shown up on my credit report. I have never heard of this company, I have never had a debt with them or any other company. This is identity theft and it doesn't belong to me. I need this removed off of my credit report asap. This has been removed before as fraudulent and it looks like it has been sold. I am not happy because XXXX, Experian, and XXXX  should not be adding fraudulent items to my report as I am a victim of theft. I am not pleased with this. I have not received any responses to my dispute letters and I am demanding that this is removed from my credit report asap before I have to file a lawsuit per my attached letter.
Consumer complaint received 2022-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Pursuant to 15 USC 1681c ( 4 ), accounts charged to profit and loss which antedate the report by more than seven year shall be excluded from my consumer report. I entered into this consumer credit transaction and credited you all with my credit card, there's no way of knowing how long this report has been in existence ; I have been around way before this account was charged off. This account shall be deleted immediately. 

XXXX XXXX  This account being on my report is an invasion of my privacy as the consumer. You were not present and have no firsthand knowledge of what took place. You have been unfair and partial as it relates to my information. You are currently in violation of your grave responsibilities. 

In additional to the facts stated above, any approval or specific extension of credit directly or indirectly by the issuer of a credit card shall be excluded from my report.
Consumer complaint received 2022-01-07
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. (NC)

Equifax constantly reports incorrect payment information, balance history, and says an account is valid after dispute when it is not. I have the statements from the merchant to prove that it isnt being reported correctly and they fail to change it. This has been going on for months preventing me from getting lines of credit to survive this pandemic. The account in concern is XXXX XXXX Credit Card XXXX The account is paid in full and closed since XX/XX/XXXX. It is reporting as maxed out with negative payment history and it is now XX/XX/XXXX.
Consumer complaint received 2022-09-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (MI)

I previously moved out of an apartment and XXXX was not available at my new address so I cancelled the service. I paid my final bill and returned the equipment. I found out years later looking at my Credit report that they had billed me for not returning the equipment, even though I did, and sent it to collections. I called XXXX to remediate the issue and they said I needed to call Credit Management LP in order to have it removed from my credit report. Upon talking to Credit Management I was told the easiest way was to pay the balance as it was only {$68.00} and they would remove it from my credit report. While I had returned the equipment I agreed to pay because the {$68.00} wasn't worth the headache as I am trying to purchase a home and this is affecting my rates. The account has now been closed, nut they have not removed it from my credit report. I have outstanding credit outside of this and it is greatly effecting my credit score and rates for something that was a mistake on XXXXXXXX XXXX part that I attempted to remediate and paid for even though I should not have needed to.
Consumer complaint received 2022-09-13
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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. The items found within my credit report that I listed on the following pages are 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. All is being investigated by the FTC.
Consumer complaint received 2020-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

Submitted letter of dispute to National Credit Adjusters disputing ownership and accuracy of a derogatory collection account listed on my credit report that I have no knowledge of. 
After a request to validate debt that this National Credit Adjusters alleges I owe, they have responded with detailed information for a loan provided to a person name XXXX XXXX, along with her address and other sensitive contact information. Oblivious to fact that that literally none of this information matches my own they stated that they consider the matter closed. As I am clearly not the person listed on this loan I demand that this be deleted from my credit report prior to pursuing legal action. 
Please see complaint number XXXX and review the documents that were uploaded by National Credit Adjusters
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NC)

On XXXX XXXX, XXXX dropped my credit score by 21 % on reporting from American Express on an account balance paid in full and ahead of the scheduled due date. I had attained and maintained a perfect XXXX score. 

Since XXXX, I have held an American Express ( Amex ) Platinum Card. The balance is paid in full and ahead of the due date every month. The card has no spending limit. 

On XXXX XXXX, XXXX ( Amex Customer Service ) confirmed I never had an outstanding or overdue balance. I was then transferred to XXXX ( Amex Special Credit Team ), who told me I needed to pay my balance ahead of the due date to avoid reporting to the credit agency. When I questioned her statement, I was told to contact Amex Customer Service. After re-explaining to XXXX that customer service transferred me to the special credit team, I requested she initiate and stay online for a three-way call. 

The call was connected to XXXX. She stated that the special credit team handles any credit reporting issues. XXXX told XXXX to tell me when to pay my bill to avoid credit reporting. XXXX responded that it should be before the due date. This went on until I was directed to contact the credit reporting bureau as it was " their '' fault.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I have been with Capital One for over 4 years and I have been making payments and kept in good standards with capital one. 

Recently, I tried to make a payments from my second bank to my credit card accounts on capital one and it just kept getting returned even though the funds was well enough in the account. Today the funds pull out my account and I open my capital one app and I see theaccount is restricted I then called and they told me both accounts were closed my Capital One Quick Silver & platinum. I made sure the funds was in the account for capitol one to go ahead and take and they kept returning the payments. 


Even better yet, I couldve just changed my payment bank if they wouldve called me and told me that they cant take payment from one of my banks. 

Its just so confusing and stressful because I been with them for so many years and I have been good with them and they decided to just terminate my account like that blows my mind. 


It wasnt even my fault, the funds was in the account they just couldnt pull it. I have made sure I paid the account in full the day I got told the account was closed out of good faith. 

I am unsure if I will ever be able to open a CapitalOne Account after this creditor closed my accounts, I have plenty of credit accounts that are in good standing and paid such as my XXXX, XXXX, XXXX & more creditors. Capital one I please ask you guys to overview and contact me and update me on this.
Consumer complaint received 2022-09-14
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: Experian Information Solutions Inc. (GA)

Pursuant to 15 USC 1681c ( 4 ), accounts charged to profit and loss which antedate the report by more than seven year shall be excluded from my consumer report. I entered into this consumer credit transaction and credited you all with my credit card, there's no way of knowing how long this report has been in existence ; I have been around way before this account was charged off. This account shall be deleted immediately. 

XXXX XXXX  This account being on my report is an invasion of my privacy as the consumer. You were not present and have no firsthand knowledge of what took place. You have been unfair and partial as it relates to my information. You are currently in violation of your grave responsibilities. 

In additional to the facts stated above, any approval or specific extension of credit directly or indirectly by the issuer of a credit card shall be excluded from my report.
Consumer complaint received 2021-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

The Walmart card that was opened by someone else under my name appeared on my credit report 8 months ago. I have gone back and forth so many times trying to delete this account and capital one is saying they have validated my account. 

Upon further research this account was bought from XXXX XXXX and now I am fighting with them. It was never opened with capital one and yet they are trying to collect. This account needs to be deleted from my credit reports and deleted from the capital one internal database as well.
Consumer complaint received 2021-02-21
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: SYNCHRONY FINANCIAL (AR)

THEIRXXXX/BELK ETC.. ARE 14 FRAUDULENT HARD PULLS FROM SYHRONB=XXXX XXXX ON XXXX ONLY.
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I started disputing my personal information on XX/XX/XXXX - XX/XX/XXXX, I've been sending letters and now there are addresses that I have no knowledge of or no access to. These addresses are still being reported on my Experian credit report and affecting my credit history. Experian has closed each dispute attempt with the same outcome, the invalid information is still being reported today as of XX/XX/XXXX. This has really affected my credit and my life.
Consumer complaint received 2022-09-13
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$50.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (CA)

On XX/XX/XXXX someone attempted to purchase a XXXX  XXXX XXXX through XXXX. They attempted to finance the auto via various financial institutions. A police report has been filed with the XXXX, CA Police Department ( XXXX ). They also stated I worked for XXXX XXXX XXXX. They applied for financing at the following banks : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Bank XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX The individuals that attempted to use my identity entered the following demographic info Phone XXXX XXXX XXXX email XXXX I would like these inquiries removed from my credit report as they are affecting my quality of life.