davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-28
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX, XXXX, L, XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$310.00}, XXXX XXXX XXXX XXXX  : {$770.00}, XXXX XXXX XXXX XXXX  XXXX : {$670.00}, XXXX XXXX XXXX  XXXX  : {$310.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX/XXXX/XXXX
Consumer complaint received 2022-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (ME)

have not received the mortgage statement to pay my mortgage, my payment is due on the first and my late fee is on the XXXX of the month. My wife has tried calling them but no answer so we can pay my mortgage. I need them to send me the statement so i can pay and i do not want late fees. 

Rushmore is a XXXX servicer that has repeatedly refused requests to send me what is required by law, A monthly statement. 

They claim to have mailed it on XXXX. XXXX here we are a month later and USmail does not take a month to deliver
Consumer complaint received 2020-10-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IN)

Sales agent on phone said a XXXX dollar good faith deposit was required to proceed with application to show intention to proceed. After appraisal came in low was not able to consolidate debt pay off Mortgage and drop pmi. So the application was canceled but they did not refund XXXX dollars saying it went to credit report and appraisal. Even tho they admitted the agent on the phone called it a good faith deposit. Citing signed docs the agent rushed through they refused to refund all but roughly XXXX dollars.
Consumer complaint received 2017-06-27
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)

I have sent Certified letters to all three credit bureaus to have this bankruptcy removed from my credit report and I have received the same response " This item has been verified through a third party reporting agency " I have a letter from the US District Court stating they do not verify to anyone.
Consumer complaint received 2023-01-28
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)

This is my continued endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2017-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

This problem has to do with the XXXX XXXX XXXX  XXXX. We have had this card for many many years and never had a problem receiving the statements and being able to make our payments on time to the XXXX XXXX website. In XXXX 2017 we went to the website that we have used for many years to log in and make the payment and was directed to a website for Capital One. We called the phone number on the XXXX XXXX statement we had received for XX/XX/XXXX and spoke with a representative and was told that the XXXX XXXX had been transferred to Capital One and that we would have to register for online services. We went back to the XXXX XXXX website and when Capital One came up we tried to reregister. We were unable to reregister as we did not have a 3 digit code from a current credit card they were requesting. We then called back to Capital One and was told by a customer representative that we would not be able to reregister for on-line services and be able to pay our bill on line like we have done for many many years as we did not have the 3 digit code they were requiring. We were then transferred to another customer service representative and was told the same thing. We have never had a returned payment or a late payment to the XXXX XXXX. We were told we could make the payment due for XX/XX/XXXX by a customer service representative. We asked to be transferred to a customer service representative that could take a payment. We were then transferred to another representative and the representative took the payment. When we mentioned that we had spoken to 2 other  representatives we were told that either one of them could have taken the payment. XX/XX/XXXX payment was paid on time. 
We did not receive a XX/XX/XXXX statement. We called Capital One to see about the statement and the representative could not see where a statement was sent to us. I asked how are we to know the amount due and the due date and was told we would have to call in. When I asked for a mailing address I was told it would take 12 days to process a payment as we do not have the statement remittance that would be returned to them along with the payment. 
We feel this needs to be looked into with Capital One. If they are taking over the XXXX XXXX the existing XXXX XXXX customers should be able to receive statements and make their payment on-line if they choose to. It seems that Capital One is not sending out statements so XXXX XXXX customer will not make their payments and the account will become delinquent and be reported on the credit bureaus as a bad debt and hurt the customer. 
Your assistance is greatly appreciated.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Account name : XXXX XXXX XXXX XXXX XXXX XXXX  You are reporting this collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-10-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (GA)

Ref Order Number : Zales Order Number : XXXX, Zales item Number : XXXX. On XXXX XXXX, 2017, I ordered a dual ruby heart ring for my wife for our 50th anniversary. The ring arrived on or about 10 days after the order was placed with Zales.com. The ring is only worn whenever my wife goes out for dinner or other special occasions. On, one of those occasions, she noticed one of the ruby hearts was missing. I contacted Zales online, via an email, if there was a warranty regarding a replacement of the ruby heart stone ; however, Zales did not respond by email but by phone and advised to take the ring to a Zales store and there was no warranty for the ring. Due to the response from Zales was via telephone, I have no way to prove what was said in the conversation. The nearest Zales store is about a 2 hour drive from my home and due to the distance is the reason I purchased the ring online. A short while later, after learning I could dispute the sale through the credit card bank that issued the card ( XXXX ) due to a flaw in the ring 's construction which permitted the stone to fall out. Consequently, I wrote a letter to XXXX XXXX with a photo of the ring attached that was taken from the Zales Online display for the ring. In the image, it shows where there are little catches on the top of the prongs that holds the stones in place ; however, the catches are not on top of the prongs of my wife 's ring and, therefore, the ring is flawed. I sent a copy of my letter to Zales of my letter to XXXX XXXX with a copy of Zales photo also attached. Over three weeks has passed since the mailing of the letter to XXXX XXXX and have not received a response to my letter via the mail, email or phone. I personally feel it is Zales responsibility to fix, send a new ring or issue a credit to my credit card and send a return authorization so I may return the ring to Zales.
Consumer complaint received 2023-01-28
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. (CA)

This is my continued endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2021-04-21
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: Experian Information Solutions Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

Experian has not investigated nor notified me of disputed medical collections on my Experian report. 
I have tried multiple times to provide proof that these are legitmate bills owed, they fate back to 2013. 

Experian has failed on multiple occasions to provide any information on XXXX XXXX $ from 2013 XXXX XXXX {$2000.00}
Consumer complaint received 2021-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (FL)

To Whom it may concern : I submitted three dispute letters certified mail acting in good faith, showing delivered on XX/XX/XXXX and another one on XX/XX/XXXX. I disputed this account and the inaccuracy of this fraudulent account on my credit report. I asked Wells Fargo for my verified signature and how they validated this fraudulent account and all the corresponding information. No response for the second and third round of letters. I asked them to investigate this account and to delete immediately from my credit report. It's been over 45 days with no results or response. I also uploaded documents of my police report from XXXX and drivers license confirming my identity. I have been a victim of Identity theft twice in XXXX and XXXX. I did not consent to, authorize nor benefit from the following account. Please block and remove from my credit report. They have violated multiple laws and I would like for this to be resolved immediately. Please see attached a copy of all of my supporting documents. This is very Frustrating.
Consumer complaint received 2021-06-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (NY)

I am a victim of identity theft, Please remove all accounts and inquiries that, I have mentioned in this report they do not belong to me, therefore, needs to be remove those account per FCRA 605 ( B ) U.S.C. 15 as prescribed by the FTC FCRA. 

MACYS/DSNB Account number XXXX Account status Closed Date opened XX/XX/ XXXX XXXX
Consumer complaint received 2017-10-18
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. (IN)

On XXXX XXXX, XXXX I applied online for a XXXX Credit Card. On that same day XXXX Bank did a hard inquiry on my Equifax credit report. On XXXX XXXX, I received a letter from XXXX dated XXXX XXXX stating that because of a security freeze on my Equifax report that my application would not be processed. I had also received a letter from Equifax stating the security freeze had been lifted from XXXX XXXX XXXX XXXX, XXXX that allowed XXXX access to the report. XXXX says they never accessed my report, but the inquiry is on my Equifax report and will only consider my application if I allow another hard inquiry. Equifax will not let me dispute the hard inquiry because XXXX looked did run a credit check and will not remove it. XXXX will not remove it because the bank says it never ran it. So this inquiry will affect my credit score for the next XXXX years and I got no benefit from it.
Consumer complaint received 2021-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MS)

XX/XX/XXXX Chime bank closed my account and did not refund the balance to me. I sent numerous emails and Chime Customer service pretty much says they dont have to disclose any information. My Chime account remains closed. XX/XX/XXXX, my second stimulus check were deposited to my closed Chime checking account. I never applied for direct deposit nor nominated Chime as my bank to deposit my stimulus check since its been closed to me. Chime bank somehow managed to manipulate that without my consent. Chime scammed me out of my remaining balance before closing my account, and now tried to scam me out of my stimulus check. IRS is not reissuing stimulus checks, I now have to file my taxes electronically to then be credited from the irs. I have no funds to pay for my rent and no funds to feed my kids due to Chimes fraudulent acts. Chime shows no compassion for its customers during the pandemic. I had a balance of {$490.00} before Chime closed my account and I would like to get reimbursed for whats mines. I can not afford to get scammed at a time like this. As for my stimulus, I have to follow up with the irs again to see what my options are. Please help me get my funds back from Chime bank!
Consumer complaint received 2023-01-28
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. (CA)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-02-29
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

On XXXX XXXX, 2010 our clients purchase a manufactured home which had a lien from the previous owner. The mortgage was paid in full on XXXX XXXX, 2010 but a release of lien was never provided and now our client is in the process of selling their home. I 've requested, on 5 separate occasions, a release of lien. I 've provided all proofs to show that the lien/mortgage was paid in full. They lien holder has not acknowledged receipt of any of my requests.
Consumer complaint received 2018-06-04
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (TX)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX with no successful resolution. XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2021-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2017-10-18
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SIMM Associates, Inc. (VA)

I have several collection accounts or student loan debt on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX Delaware XXXX. RE : XXXX -On behalf of XXXX XXXX. Please be advised that I 'm disputing these collections due to the fact that we have chosen to work directly with XXXX for lowering payments. I 'm disputing these collections due to the fact does not currently have a a valid license to collect debt in the State of Virginia according to the Virginia department of XXXX XXXX for verification. I am requesting that you delete these accounts from my credit file or provide me physical proof that they are licensed to collect debt in Virginia.
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WI)

I was in the middle of trying to refinance my home when I saw a XXXX was reporting from XXXX. I tried to get additional information from the court house but they indicated they do not correspond with third parties. I then reached out to the bureaus to try and get additional information and they only indicated that it was verified. If I am unable to obtain the information and I am the one that would have filed it then how are the XXXX bureaus reporting it? I am extremely XXXX because I am only getting the runaround from them. I thought and everything I have seen indicates the bureaus have to be able to actually validate the information. Anyone with a computer can look up XXXX on the internet but that does n't make it true. Also my name is a very common name so how in the world can they just say they verified it with nothing more?
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I mailed Credit Bureaus a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from them firm stating the ID I submitted was insufficient to verify my address and identity. 
The identification I submitted is sufficient according to their guidelines and I demand that they examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope. 
The disputed items must be investigated. 

1. The following accounts has wrong balance : XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Consumer complaint received 2017-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

My name is XXXX XXXX and I received a copy of my credit report and was shocked to see two collections for XXXX XXXX XXXX/XXXX XXXX. I have never had that service but my father did. When he became ill I would help him when I could. He would give me his account information and I would pay his bills for him, or run errands, pick up groceries and things like that but at no point was my name on any of his bills. As a son I would just help him when he needed it. After he XXXX XXXX I no longer had access to his private information nor did I need to. My father 's name was XXXX XXXX and I do n't see how they can get that confused with XXXX but there is diffidently a confusion. Those two bills are not mine and have never been mine.