davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX XXXX XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One is reporting information that is inaccurate to the credit bureaus and has not provided verification information for this account. Account is currently 7 years old. Requested several verification documents which have not yet been provided by this creditor.
Consumer complaint received 2021-05-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

I only get form letters asking for payment. They will not correct their mistake or send me proof in writing. I had XXXX  service for two years, XXXX. In XXXX I returned what equipment I had and paid the final bill sent to my new address. I never heard anything more from XXXX over the next 6 years. Then on XXXX of XXXX a form type letter, from Convergent a collection agency on behalf of XXXX communications, was mailed to my same new address. I called XXXX right away to correct this mistake and was told they no longer had my file. My file had been turned over to the collection agency. XXXX had never contacted me first. I called Convergent, the collection agency, and could never get good information about what the notice was for. It took me several phone calls and numerous agents to figure out I was being billed for equipment issued in XXXX, about 8 years before I purchased the property with XXXX service. I eventually learned from convergent that equipment was issued from XXXX. I sent Convergent closing statements showing I could not have been issued this equipment in XXXX having opened my XXXX account in XXXX. My previous address in XXXX was not even in a XXXX  service area. I asked that all information they had about the equipment be sent to me in writing, which I have never received. I have also asked numerous times to speak with someone that can correct the XXXX mistake and no one that could help has ever been put on the phone or called me back. I was told to send Convergent any information I have and it will be forwarded to a dispute dept. I have sent information and have contacted them numerous times with no results. I contacted them in a timely manor and sent them what I have but I am getting no where. It is only {$120.00} but I do not owe it and refuse to pay for their error. I will not be coerced by this collection agency that seems unwilling to contact XXXX and get this straightened out. All I ever get are form letters asking me to pay. My perfect credit history of 48 years has been hurt by this company. It is not right. I am a senior and feel preyed upon by this collection company, with their form letters and unwillingness to help correct the mistake.. I am very stressed and XXXX because they have lowered my credit score, will not correct the mistake and just keep sending form type letters asking me to pay it. It is not right that they can make a false claim and there be nothing I can do about it. They leave me with only two options, to pay this fraudulent claim or it sits in my credit history for 6 years and I pay higher interest rates. One way or the other I loose.
Consumer complaint received 2018-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

Was told too put loans in forbearance with no penalty and now student loans are up too XXXX. Company reps are all liars. This has destroyed my credit. They promised me that no interest would be added if loans went into forbearance. Absolutely disgusted with this company.
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (TX)

I applied for a loan with Veterans United and was assigned XXXX XXXX. She pulled my credit and issued me a prequalification letter for {$600000.00}. 

I asked on several occasions for a loan estimate beginning XX/XX/21, for a specific property to determine what the loan would cost me. 
She refused and stated she could only send a loan estimate once I signed a contract meaning I would be on the hook before knowing what the costs were. She only told me : o A Loan Estimate isnt done until you go under contract on a homebut I can tell you total closing costs would be about 4.5 %, so roughly $ XXXXhope this helps, let me know if you have any other questions. 
I escalated by phone to ( 2 ) different phone agents and was also denied and LE, I escalated again and was emailed an improper LE for the full {$600.00} from XXXX XXXX, rather than the actual property I submitted ( XXXX XXXX ). 

Attached are the complete email communications ( only a few are below ), the improper LE, and the prequal letter.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (NV)

This is my second time writing to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Nevada XXXX Please delete all other addresses, I can not receive mail or any correspondence they are non-mailable, nor do I have access to any of these addresses, please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.
Consumer complaint received 2024-03-20
Product: Mortgage — USDA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Shellpoint Partners, LLC (MO)

I was told at time of purchase this house up to USDA CODE at time of sale by owners, one realtor and two different inspectors. The USDA, mortgage company, and legal aide wont help investigate and rectify this gross negligence. This house was sold to me with a huge mold infestation, possibly toxic, the roof that was on paper replaced in 2017 was not replaced they left it there and put a very XXXX built roof around it, they did not remove anything that was water damaged and just covered it up. My air ducts are laying on the dirt ground in the crawl space that is also mold filled, rotted out and holes in all of them and are rigged to the house with asbestos tape that is falling apart. There is also a severe gas leak and a blown ac line. There is no accessible breaker for the furnace, the kitchen sink plumbing was rigged and not actually installed correcting so it is unusable without leaking. The water line on the fridge was rigged as well and began leaking making it unusable. None of the attic joists are secure as they are decaying due to mold same with the whole ceiling. All the floors and subfloors are weak and decaying as well, along with the back deck. This is all according to XXXX  inspectors who refused to weatherize my house in fear of killing my XXXX child and I if they had. We have had to emergency relocate and uproot our lives because our home was unsafe to be living in and weve been here for almost two years breathing this in. We have lost family pets because of this and are experiencing health issues. My XXXX child is XXXX XXXX XXXX XXXX and has had severe XXXX and XXXX with XXXX  because of this prolonged exposure to mold. I have had to completely change his care routine and providers to hopefully save his, his brothers, and mine lives on my own dime because everyone seems fine with us being XXXX  over like this while not considering no one gets money if we all die or become severely ill or financially destitute because of this. I am legally responsible for a XXXX person so what exactly does the mortgage company or USDA gain from allowing this to cause a foreclosure on my part from not having income anymore and trying to maintain shelter somewhere else as well?
Consumer complaint received 2019-11-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

I usually pay my monthly mortgage statement balance with extra {$500.00} to the principal reduction and have been no problem to do this. However, last month {$500.00} went to not principal reduction to the escrow account. So I called them and left message through their website total 6~7 times. Every time when I call them, the manner of providing service of the agents were not nice. Some time they were yawning or giggling. Anyway they said your request is in process you should see the result in your screen in 2~3 business days, but it has been almost a month now, still I don't see the correct reversal in my account ( loan activity ) page. I'm so tire to talk to them now, and don't feel pleasure to speak with them. I want them to solve this issue ASAP.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

We are in the process of applying for a refinance on our home. Previously received an incorrect score from Equifax and the problem occurred again today. I previously attempted to dispute the information online at Equifax but was unable to proceed due to message " you currently have no negative information ''. I then ordered a complete credit report with a score. The credit report / score provided to me does not match score being reported to a lender. I called Equifax and spoke to representative who advised he was unable to assist me as the data he was looking at did not match what was reported to lender. 

Per report provided to lender on XX/XX/2021 Equifax score was XXXX Per report provided to lender on XX/XX/2021 Equifax score was XXXX. 
Unable to dispute online as there is no negative information on the file Credit score received directly from Equifax on XX/XX/2021 is XXXX I have documentation for all of the above.
Consumer complaint received 2021-05-26
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: OneMain Finance Corporation (PA)

on XX/XX/2021 I received a new inquiry about a possible loan I was planning on getting and talking with them over the phone but I NEVER gave them information and never gave them the possible go to through with my application and they just processed it. They said they it was pre-approved but overall, I never gave them the intention to process it and never signed any paper work to apply the application. please remove this inquiry as I have tried multiple times
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Threatening phone calls and never.. The suppose debt was supposedly writing off by the credit card company, so how did they buy a debt the company was already paid for. They are very persistent and keep calling and the people are very nasty and intimidating on the phone
Consumer complaint received 2018-02-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC (TN)

This company has reported a debt to the credit bureaus even though law states I have a right to verification first. I have requested validation for this debt on XX/XX/18 and have yet to receive this. Yet they put it on my credit. Under the Fair Credit Reporting act a debt can not be reported untill it has been properly verified. This would be the second time this company has violated the law with me.
Consumer complaint received 2018-02-11
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. (MI)

I tryed to dispute these accounts back in XXXX XXXX XXXX, XXXX, and XXXX XXXX with all three CRA. I have attached documents showing what they sent me ; also Ive attached information from XXXX  showing multiple names for me and multiple addresses this should not be on my report all of these names for one person. I asked these companies to send me something with my signature or an original signed contract but the results were the documents I have attached. Also XXXX XXXX was deleted off of my credit report that was reporting XXXX but the CRA is still reporting this XXXX account.
Consumer complaint received 2018-02-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AL)

Freedom Mortgage bough out my existing home loan in XX/XX/XXXX. My property taxes, which are to be paid from escrow, were due XX/XX/XXXX. It is now XX/XX/XXXX, 135 DAYS LATE, and my taxes have not been paid. 

It appears, from reviewing an escrow statement, that when they took over the loan, someone there royally screwed up and did not even calculate the property taxes in my escrow account. This is their fault. 

The county revenue commissioner has sent a certified letter to me that states my property will start advertising in two weeks for a tax sale. 

I have talked to numerous people at Freedom. I called mid XX/XX/XXXX when I realized they had not made payment and was promised it would be handled by end of XX/XX/XXXX. 

These people have mismanaged my funds and have breached contract. I have never been late on a payment I expect the same from them. This morning I was promised it would be paid by close of business today but doesn't look like that is happening, either.
Consumer complaint received 2021-06-09
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. (CA)

I have filed several disputes on regards of the unverifiable accounts reporting on my consumer credit report causing me a great deal of issues when going to a financial institute to extend myself credit. please help me verify these accounts, and if can't comply with the requirement of my attachments I will be seeking remedy on every consumer violation.
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NJ)

I opened new XXXX Simply checking account in XX/XX/XXXX with account # XXXX. I made my first two bill payment on XX/XX/XXXX for {$29.00} to XXXX bank and {$25.00} to XXXX. On XX/XX/XXXX I got call from XXXX that my payment has been rejected due to inactive account. I said my account is active and has {$20000.00} balance. Upon further review they said they have paid both bill out my old account ending in XXXX rather than ending in XXXX. I said I only have one simply right checking account ending in XXXX. ( XXXX ). On XX/XX/XXXX bill pay account was corrected and both XXXX bank and XXXX were paid correct amount. However, XXXX charged {$25.00} returned fee and XXXX charged {$50.00} for returned fee ( {$25.00} twice ). For your review I have attached the {$75.00} charges statement. XXXX have credited {$25.00} fee however XXXX is not crediting {$50.00} that was charged by two times of {$25.00} charges on XX/XX/XXXX.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC (MD)

Good Day I filed a XXXX XXXXXXXX bankruptcy in XXXX which included delinquent mortgage payments. The bankruptcy was discharged and I never reaffirmed this debt. My mortgage company has been aquired by several companies before Shellpoint Mortgage and theyre the only company who has reported it on my report. I reached out to them several times explaining the situation and they refuse to remove it and they continue to report since XXXX of XXXX. I dont know what else to do. Please advise if this can be removed from all credit bureaus. 

Sincerely Ms XXXX XXXX
Consumer complaint received 2021-06-09
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 have filed several disputes on regards of the unverifiable accounts reporting on my consumer credit report causing me a great deal of issues when going to a financial institute to extend myself credit. please help me verify these accounts, and if can't comply with the requirement of my attachments I will be seeking remedy on every consumer violation.
Consumer complaint received 2021-06-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I sent out a 2 letter To Verify The Accuracy On my Credit Report. It's been way over 30 days in I don't have a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be block and remove. They were unable to provide me with a copy of the documentation as proof so i want it removed.

Also under 15 us code 1681 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2018-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

I wrote a XXXX check # XXXX to Chase Bank on XX/XX/2017. 
Someone changed the to name from Chase to Chase re : XXXX XXXX and Chase submitted it to XXXX on XX/XX/2017 and it was paid from my acct. 
Someone also changed the account number in the memo section. You can see this in the endorsed check that came back through XXXX and a copy of the original check as written. 
I wrote this check to Chase to be credited to my mortgage with Chase. Chase did not credit my mortgage. 
Chase did present this endorsed check for payment to XXXX which XXXX paid out of my account. 
What did Chase do with the proceeds from check XXXX. Its clear that they credited it to someone else that I didnt intend for. 
XXXX submitted a claim to Chase to return my money but Chase has not returned my funds. 
Its clear that Chase credited this to another unintended Chase account, actually fraudulently done. What and when will I be remedied.
Consumer complaint received 2018-02-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

I live in Maryland and was on vacation in Florida for the month of XX/XX/XXXX. 
On XX/XX/XXXX I went shopping at XXXX outlet and purchased {$40.00}. The shop clerk convinced me to open an account so that I could get a discount, which I did. The credit card bill was sent to my home in Maryland. I got home to Maryland on XX/XX/XXXX found the bill from XXXX and put a check in the mail the next day, XX/XX/XXXX for the full balance on the account. 

Today, XX/XX/XXXX I received a bill from XXXX for {$69.00}!! I called their " customer service '' number and was told that my payment was received on the XX/XX/XXXX, which was two days late and I have to pay the {$29.00} late fee. I suggested to the " customer service '' person that this was outrageous and was told " your payment was late and now you have to pay and how is that outrageous ''. Seems like I've been set up and robbed. 

This is a XXXX XXXX credit card
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Chime Financial Inc (GA)

These are all fraud and I did not authorize any transactions by this company ; whom I never disclosed my information and voice call to. I shall not be responsible for paying debt listed as this is error. Per FCRA all unverified and Fraudulent removedCHIMEFIN/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XX/XX/XXXX XXXX XXXX Monthly XXXX Date of Last Reported Update Balance Amount Amountt Past Due Date of Last Payment Actual Payment Amount Scheduled Payment Amount Date of XXXXt Delinquency Date of Last Activity Date XXXX XXXX. XXXX Reported Charge Off Amount Deferred Pay Start Date Balloon Pay Amount Balloon Pay Date Date Closed XX/XX/XXXX {$24.00} XX/XX/XXXX {$160.00} XX/XX/XXXX Status - Pays As Agreed ; Type of Account - Open ; Type of Loan - Secured Credit Card ; Whose Account - Individual Account ; ADDITIONAL INFORMATION - Secured Credit Card ; Fixed Rat