davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-30
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. (TN)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and Experian Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information such as date opened and date last activity without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$290.00} XX/XX/22 [ XXXX ] XX/XX/22 [ XXXX ]
Consumer complaint received 2020-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (LA)

This home was purchased in XX/XX/XXXX. The mortgage company is claiming that they have paid the tax authority taxes dated XXXX totaling {$11000.00}. Additionally, the mortgage company states that they have paid taxes for XXXX for this property in the amount of {$1400.00}. I am requesting proof of payment for the taxes paid for XXXX as copies of checks or copies of the transaction where money was sent to the tax authority. 
The XXXX taxes were paid by me before XXXX/XXXX/XXXX as shown on the property 's tax history payments XXXX ) Furthermore, the mortgage company has paid taxes for XXXX in excess of what was already paid or even worst made a terrible mistake and paid the taxes twice.I have reached out to the tax authority and they have conformed there there is no records of a payment made by the mortgage company for taxes on this property for any year. 

The mortgage company paid these taxes without letting me know and now they have included taxes into the escrow account and they are making me pay for taxes that have been paid and were not owed. 

I have contacted Dovenmuehle since XX/XX/XXXX of XXXX over 30 times about this issue but they have not provided any information about the payments made nor they have reached out to the tax authority to fix their mistake I am requesting the Mortgage company to please provide copies of the checks sent to the tax authority as well as payment receipts of the taxes they claim they have paid for the XXXX period. 

The closing company legal team and myself have reached out to the taxing authority and the taxing authority confirmed that they have not received payment form the mortgage company because there were no outstanding taxes as claimed by the Mortgage company. 

The Mortgage needs to send me information of the payment made to the tax authority like cancelled checks or payment receipts. The closing company lawyer spoke to XXXX XXXX at the Tax Authority of New Orleans and Mr. XXXX confirmed that the taxing authority does have any records of the Mortgage company sending such payments, nevertheless, I am being charged with taxes that the mortgage can not show proof of payment like cancelled checks or payment receipt.
Consumer complaint received 2022-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2021-02-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (CA)

Last XXXX my mortgage company contacted me during my forbearance to see what my intentions were at the end of my forbearance. I conveyed that I was requesting it be extended for the next six months. At that point they said just contact them before the end of XXXX and it will be processed then. So i contacted them and they began requesting financial documentation through their loss mitigation department. I explained to them that a forbearance request DOES NOT REQUIRE DOCUMENTATION. It was argued that they did and if not they would begin several different processes to determine my eligibility, but only if i provided typical loan documentation. So they wouldn't process my new forbearance if I didn't provide the documentation, or pay my remaining forbearance balance. So we took every XXXX we had, and paid the two payments that remained on my balance. We literally had to choose between food and shelter, we chose shelter. Now we are approaching the end of forbearance # 2 and the calls are coming and I am petrified that they are going to take adverse action against me. I can not sleep, I am getting collection calls from them, this is no fun. We are more than likely going to sell our home to protect our family from more stress due to my mortgage companies aggressive tactics.
Consumer complaint received 2021-02-07
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MS)

Bankruptcy Court is not an information provider as we do not report any information to these agencies. 
Under the Fair credit reporting act, take appropriate action to correct inaccurate or incomplete information on a credit report. I spoke witht the courthouse and they not verify bankruptcy at all with you
Consumer complaint received 2022-08-17
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This account states that I settled for less they put somebody else account on my credit report they lie I paid this accountant full. I have my receipts {$8.00} the {$9.00} is not in my account. This is fraudulent and illegal, and I will be seeking a lawyer and I will be suing,
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

Citibank-Bestbuy is not allowing me to apply payments to the balances with higher interest rates. The company applied my payment of {$300.00} to promotional balances with 0 % due to expire on XXXX XXXX, XXXX versus the revolving balance with 25.24 % interest due to start charging on XXXX XXXX, XXXX. I called the company on XX/XX/XXXX at XXXX XXXX and spoke with XXXX and asked that my {$300.00} payment above the minimum due be applied to the revolving amount so as not to incur interest charges that are set to start on XX/XX/XXXX. I told them I was aware of my promotional balance offer due to expire on XX/XX/XXXX and would be paying that balance off prior to the date since I still had several weeks. They refused to apply the amount to the revolving and said that any additional amounts sent in would be applied first to the expiring balance before the revolving balance. Those actions by the company forces me to pay off my promotional 0 % interest balance weeks before it is set to expire to have any additional payments be applied to my revolving 25.24 % interst balance. The company will be charging me interest beginning on XX/XX/XXXX on my revolving balance and still be applying my payments to the promotional balance that is still in effect till XX/XX/XXXX. To avoid interest charged on my revolving account, I have to first pay over {$1000.00} to apply towatds my promotional balance before XX/XX/XXXX and then pay the nearly {$300.00} of the revolving balance. My revolving balance is near {$300.00} and that is set to incur interest on XX/XX/XXXX yet I will have to pay near {$1300.00} by XX/XX/XXXX in order for that revolving not to incur interest. This will also force me to pay off my promotion balance by XX/XX/XXXX when that is not due till XX/XX/XXXX, nearly three additional weeks.
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. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2022-07-21
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: EQUIFAX, INC. (NM)

The items listed below are reporting on my personal credit file and were found in my reports with Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NM XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} ; XXXXXXXX XXXX XXXXXXXX : {$700.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-30
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. (MI)

I am XXXX XXXX, the original creditor, natural person, and consumer. When we entered into this consumer credit transaction on XX/XX/2017. I extended them credit therefore, the finance charge was paid for the entire balance. After the finance charge is taken if there is a open ended credit transaction there is security interest left. Which is suppose to be given to me. But they mislead me to think that i had to pay them. Whenever a open ended credit transaction is entered that information is suppose to be disclosed. Which means its fraud. then they infringed upon my privacy and sent information over to consumer reporting agencies without my written consent. Now they are reporting this to my consumer report which is fraud because I didn't give them consent to have my information and or put it on my consumer report.
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (VA)

One of the Chase offers was : " Get {$50.00} back when making two separate transactions with XXXX XXXX XXXX on wireless products or services of at least {$25.00} each. Valid in-store or online at XXXX XXXX XXXX or over the phone '' I ordered wireless products online at XXXX XXXX  XXXX. After I added this offer to my CHASE Southwest Credit card, I made my two purchases of {$26.00} each at XXXX XXXX XXXX online on XX/XX/XXXX. Still no {$50.00} credit. 
my account. Offer expired on XX/XX/XXXX, and I cant return my purchases back to XXXX XXXX XXXX. Chase denying payment. Please help me. Thanks in advance.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, Capital One WITHOUT AND NOTICE froze my business checking and savings account with a total amount of {$57000.00}. As a XXXX XXXX, I have been banking with them for several years, XXXX XXXX  has been incorporated in XXXX. My corporation has never been audited by the IRS or fined in any way. Due to COVID, my business received both XXXX and EIDL assistance. Funds have consistently been used for rent, payroll, marketing, day to day operations, inventory, online fees in accordance with terms for both loans. Furthermore, the transactions and amounts withdrawn have been CONSISTENT for the past 5 years. After asking me questions for 3 hours, they refused to tell me why my account was frozen, what next steps would be, or timeframe. Meanwhile, my business for the past 12 years has been operating in good standing with all government agencies. With the pandemic, my business has been greatly affected and I have already missed thousands of dollars in payments, bounced checks, return fees, etc. I don't have funds to pay any of my bills at all and my funds have been frozen for absolutely no verifiable reason.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-10-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (IL)

XXXX and XXXX XXXX on behalf of LVNV/Resurgent Capital ( Sherman Acquisitions ) has revived a default judgement for approximately XXXX. The initial default judgement was issued in 2008, and as such 14 years has elapsed. I am unable to contact the original creditor, nor the agency/entity that claims to have completed proper notice of service. I was never served to appear for this debt and XXXX and XXXX dismissed my Motion to Vacate the judgement based on the claim that I was properly served a Notice to Appear. It should be noted that the original creditor no longer offers this financial product in my state and has/will not respond to inquiries. It should also be noted that this account has been handled by no fewer than three collection agencies and two law firms and I am unable to get information on the Notice to Appear document that was allegedly served.
Consumer complaint received 2022-08-17
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. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXXE XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2021-10-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

The credit bureaus clearly don't know how to conduct a proper investigation I disputed the accuracy of this bogus account on my credit report and it came back verified. HOW??? Each bureau has different dates???? How is that even possible? At this point just remove it from my report. No investigation needed, I the original creditor did my own investigation and this bogus account is erroneous and shouldn't be own my consumer report. REMOVE immediately or I will have to seek litigation. There's aslo an account that two bureaus removed due to inaccuracy but one bureau is still reporting it. Remove it.
Consumer complaint received 2021-11-10
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: JPMORGAN CHASE & CO. (GA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results.
Consumer complaint received 2020-11-05
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CONTOUR MORTGAGE CORPORATION (CT)

I am filing a complaint against Contour Mortgage. Especially the unprofessional mortgage lender we had XXXX XXXX. Also against the owner. XXXX XXXX was unprofessional with giving our personal info to his friend BC they are related to us and we didn't give our permission for him to do so. Also his threat to not close our loan on the last day before BC we confronted him via text. There have been many thing along the whole process. He told my husband when he was fighting with his wife. XXXX why don't you come XXXX the XXXX out of my wife and I will come XXXX the XXXX out of XXXX. He got fired from previous company while in the process of our loan. We stayed with him BC he had our info and BC he was a friend of my brother in law. However I wish we didn't BC this was the worst experience ever. And after stay all this happened. So unprofessionally.I asked him who his boss is and his response was himself. He also called and had me almost have a breakdown BC he decided to call and team us that they denied our loan when we were already out of our other house and living with our XXXX kids at my in-laws. Who cried everyday that we were homeless. How is this funny. I had him on speaker and my in-laws flipped out on him. This is just the tip of what we went threw. I want to presume charges for the emotional pain he caused. My husband and I never have fought so much. The company signed an addendum to pay for storage in the house that they came up with. But at closing decided to only pay XXXX for movers and storage in new house of our stuff that they came up with. I had to pay {$4000.00} to sellers. I didn't agree to. They supposedly said they had a cap. However this was never relayed to us. So we got stuck with the bill. And this was the owners doing. I have the addendum that has no limit or days on it. Please help.