davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Monterey Financial Services LLC (OH)

This account should be included and discharged in my chapter XXXX bankruptcy of XX/XX/2015. I've disputed this account with the CRAs but this issue continues to cause me great pain and suffering as it continuously appears on my credit reports making it impossible for me to move forward towards my new years to come. I haven't even received validation of this debt.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

They keep trying to report this debt to my credit bureaus. This apparently was a credit card that someone opened in my name. This company needs to verify and validate this debt. I tried resolving this with them but they do not respond back. I would like to see the paperwork showing the purchase of this debt. I have tried disputing numerous times and they keep sending a generic message that says the same thing each time. This is my final time disputing this before taking this to an attorney.
Consumer complaint received 2022-04-29
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. (MI)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-29
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)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

I'm looking for assistance with United Wholesale Mortgage account number XXXX. UWM recorded the incorrect Property Identification Number ( PIN ) aka the parcel ID on the security deed and has paid the escrows to the wrong property for XXXX and XXXX. The incorrect parcel ID XXXX XXXX. XXXX XXXX paid off the taxes and now has two liens on my property in XXXX county. UWM 's failed attempt to fix the issue has raised my monthly escrow payment by {$510.00}, which in order to keep my credit clean I have been paying for the last 4 months. I've also been unable to sell this property since I first contacted the bank in XXXX. Now, I have been dealing with UWM 's support number for 6 months with no forward movement. Are you able to help? Any advice on getting this corrected. 

Long version : I purchased a home in XXXX XXXX in XXXX. The address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, GA XXXX. Correct parcel ID : XXXX XXXX. XXXX County account number is XXXX. I took out a mortgage for 80 % with escrows from United Wholesale Mortgage. I'm in the XXXX  XXXX  XXXX and XXXX  for 9 months at a time. I would get an email from the bank every XXXX stating your taxes have been paid to the county, great, no worries. 

I returned home in XX/XX/XXXX from a long tour to XXXX and I noticed a letter from a XXXX XXXX, who I've never heard of before. The letter read " We have purchased your unpaid property taxes and now have a lien on your home. XXXX XXXX is actually XXXX, XXXX. 

I checked the XXXX county property tax records ' website it states, " XXXX and XXXX sold ''. I checked the closing documents : the parcel ID on the title deed matches the parcel ID on the county 's website. The PIN, aka parcel ID, on the security deed is incorrect and the same incorrect parcel ID is on UWM 's website property tax receipt. 

For two months, beginning on XX/XX/XXXX. I called the UWM. Working with different people, trying to resolve the issue. UWM quickly changed the parcel ID to the correct parcel ID. So this year my property taxes were to be paid properly.

UWM 's solution is to send the county a check. This is wrong, however, the county has already been paid by XXXX XXXX. Now XXXX XXXX needs to get paid so they can issue a letter releasing the liens. UWM 's action caused an escrow adjustment on their escrow account stating that I'm short {$6600.00} on escrows. This raised my monthly payment by {$510.00}. In order to not get a bad hit on my credit I have been paying it for over four months.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2021, Capital One sent me an adverse action letter describing the reason for denying me credit for a credit card. According to adverse action described in 15 USC 1681m adverse action definition- ( 1 ) Actions included. The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer. Adverse action never stated a consumer being denied credit, The Truth and Lending Act states the definition of a credit card- The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I, XXXX XXXX fill out a credit application giving Capital One my credit card. Finally, 15 USC 1681m ( C ) ( ii ) ( I ) ( II ) states does not include and transactions or experiences between the consumer and person furnishing the information or information from a consumer report. Fair Credit Reporting Act is used for the consumer to apply the laws with companies like Capital One using false and deceptive acts to undermine the consumer
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file an FTC and CFPB ASAP!
Consumer complaint received 2018-02-08
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. (NC)

My husband and I sent a letter to Equifax back in XXXX, asking them to investigate errors on our credit report.  I am attaching a copy of the letter we sent to them.  They are supposed to respond within 30 days, but have failed to do so.  We've tried to follow up with them about this, but we get no response.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Riverwalk Financial Corporation (NC)

I sent a letter of Validation on XX/XX/XXXX I have not received any response from this company. I have attached the certified letter that they received on XX/XX/XXXX. I also fax and e-mailed this company the same letter that is attached with still no response. This company should not be allowed to report information on my husband and my credit that has not been validated.
Consumer complaint received 2023-04-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America prepaid debit card edd is saying that I gave someone authorization to use my card which isn't true and they won't send me proof when I said someone could use my card. Because I never gave permission for anybody to use my card. I have a couple of claims with bank of America prepaid debit card I told them my account was compromised and they don't want to approve my claim I don't want to sue them I just want my money
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America refused to provide me validation to why they : Ruled in favor of a merchant that made unauthorized charges to my debit card. 
Why my unauthorized charge claims were investigated as a cancelation of services when I filed them as unauthorized charges. 
Why they closed my account in under 60 days for negative balance and not the usual 120 days. 
Why one of the unauthorized charge claims I filed was found in favor of the merchant when the merchant turned in documents for a different bank card that had nothing to do with my account or my unauthorized charge claim. 
Why Bank of America refuses to provide me any documentation to validate there claim for the charges I disputed. 
Why they dont want to cooperate with me and why they dont want to provide me the card swipe report for my card that they say is available to me. 
Why they refuse to provide documentation for the XXXX dollar service charge credit they stated they refunded {$2.00} only as per there verbal statement but what about the remaining {$9.00}. 
Why they refuse to speak with me and in a hurry to close this case without providing me the documents to validate there decision and why they charged my account that caused the negative balance. 

Why they reported it to XXXX as account abuse for the negative balance. 

I have requested this information as per FCRA and I have not received this documentation. 
Instead they send me documentation that does not validate or verify why they charged my account which caused the negative balance. 

They are now considering this case closed because they dont want to provide the truth and are covering it up. This violates the FCRA Protection laws in providing documentation that validates snd verifies the information to be accurate and they refuse to do this.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these late payments need to be updated.
Consumer complaint received 2022-01-11
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. (FL)

I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.
Consumer complaint received 2021-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I was received an offer from Portfolio Recovery Associates LLC on behalf of XXXX XXXX XXXX to pay off the debt in full in order to have the account removed from my credit report. i have attached a copy of the correspondence from Portfolio Recovery Associates LLC on XX/XX/XXXX stating the account will be removed within 30 days however, the account balance was paid in full in XX/XX/XXXX.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (PA)

For three months about XX/XX/XXXX, I put my Private student loan on forbearance with Discover Student Loans. I previously paid on time until a financial hardship. Discover representatives agreed to place me on this forbearance for a 3 month time. 

Over the course of three months, my mother and I received multiple calls from collection services demanding payment and threatening delinquency. Each time, I contacted Discover they assured me my information was there on my record, and to disregard because sometimes the collection department gets delayed information. 

Before my forbearance ended, my mother and I received emails regarding final notice before reporting to my credit agency -- -- over two months after being approved for forbearance. I called, and was told for the first time that my forbearance was not approved. I told them they were mistaken, and they took the time to read over my account and all included notes. They found I WAS approved but their representatives accidentally sent approval/paperwork/what ever was needed to be processed to the wrong place and that they were under the impression I was over 60 days past my payment. The representative I spoke to in XX/XX/XXXX insisted that they were goin to take care of this, and that if anything were to happen ( my credit being compromised ) to call so discover can fix it. 

Discover ended up reporting to my credit. My mother and I send dispute letters as recommended by their forbearance department. My mothers credit was taken care of, mine still has not. I sent out correspondence and STILL have not heard back. We contacted discover via telephone XX/XX/XXXX. My credit report has still yet been fixed.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Not able to access my credit report, score or profile. When trying to access I get error message saying Please give us a call and give this code to the Agent : BLNK Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ).
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

15 uSC 168 ( a ) ( 4 ) there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and 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 ( 1 ). XXXX XXXX ( 2 ). XXXX XXXX XXXX # XXXX XXXX XXXX Michigan XXXX. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses and please update with the one above. 
I do not want my phone number included on my consumer report! Please delete any and all phone numbers! I demand my social security number and date of birth to be removed from being displayed on the credit file for privacy reasons. 
Please delete all information in the employers section. Pursuant to the Fair Credit Reporting Act 15 USC 168 ( a ) ( c ), I am a federally protected consumer and I have a right to privacy, not granting my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : XXXX XXXX XX/XX/1977 Last 4 of SS # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Michigan XXXX
Consumer complaint received 2021-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NY)

Over the past several years they have misapplied payments and not taken escrow payments correctly leading to incorrect reports on my credit and wildly changing mortgage amounts. I have frequently tried to address the problem with long phone calls but nobody seems to be able to correct the problem. Requests for documents go to a secure online folder which you don't get an invitation for until after the document has expired. I get wildly disparate statements on the same day.
Consumer complaint received 2022-04-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN PACIFIC MORTGAGE (CA)

Buying your first home should be one of the most memorable experiences ; however, ours was one of the WORST experiences I have ever experienced. The lender, XXXX XXXX, who works with American Pacific Mortgage Company has been the worst customer service experience of my life and is completely inept.

To begin with her communication skills are atrocious. She would ignore phone calls and respond via text message or email usually after a few days of us calling and repeatedly messaging her. Certain days she would message us around XXXX with a task and if we called to ask for questions, she would claim that she was not near her computer. Having a phone conversation was like pulling teeth and she was very abrasive via text. 

Secondly, she never explained anything to us, we were XXXX  or reaching out to friends, our realtor, and everyone else to get answers. She herself on several occasions told us to look things up on XXXX. 

She gave us a pre-approval for a set amount in which we paid the home appraisal fees and additional fees with it all our efforts being futile. She additionally requested tedious tasks from us which we completed within an hour of her asking for them, and they were time consuming paperwork tasks. In return we just wanted open and honest communication ; however, she failed to do so, and would go days without returning our emails. At one point she claims her phone could not receive phone calls, but she could text and still email from the phone. Specifically, it was XXXX XXXX, and we called her and finally got a hold of her, and we expressed our frustration and our concerns, in return she told us She spent enough time on us. These comments were repeated in the presence of our realtor, who was astonished that she made such a comment. 

She is completely insensitive and inconsiderate of her clients time and money. 

The delayed communication caused our process to go over the time frame, with frustrations from the seller, the listing agent, and ultimately, we did not receive the home. She would procrastinate on her side then harass us to call our managers and HR departments to get documentation sent over ASAP. The constant calling and pleading to employers to get the documents to her last minute soured our relationship with them. 

Our realtor worked with us as if we were family and we felt our concerns were heard BUT NOT with the lender who in turn gave us such a headache we were in tears throughout the entire process. We personally believe that we were discriminated against based on our XXXX and XXXX background.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-01-11
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: EQUIFAX, INC. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.