davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: MLD MORTGAGE INC (FL)

I refinanced my home with MLD mortgage. They were so eager to get me refinanced, they were in a rush to get my loan done. They promised me that my old mortgage with XXXX would be paid off on or by XXXX XXXX 2015 and I would not be drafted for my old mortgage company. Paper work was signed & I was not suppose to pay for my new mortgage until XXXX XXXX,2015. I did everything on my part and everything turned upside down when my old mortgage was drafted on XXXX XXXX Because MLD mortgage failed to pay off my old loan on time ( it was paid of by XXXX XXXX ). I have been battling MLD mortgage for the past few months and I am mentally exhausted. The company MLD hired to service my loan ( XXXX XXXX ) told me I did not have to make my first payment until XXXX XXXX. However MLD has been after me to pay XXXX payment when I have continuously told them that my XXXX payment was not due because of their error ( the XXXX payment was applied by XXXX XXXX to go to my new mortgage ). Another red flag is the paper work I signed does not reflect the pay off amount, its off by over {$1000.00}. 
I do not know who to turn to, every time MLD tells me they will work it out for me, I get another phone call telling me I owe for XXXX & I 'm back at square one. NOW as of today when I went to go to make my online payment, XXXX XXXX informs me that my loan will now be serviced by another company. I regret 100 % refinancing with this company, I get harassed every week by this company, despite the fact I have physical paper work confirming my account. Can you please let me know who I can complain to or who I can go over my mortgage paper work to see if my refinance was done correctly?! Any help will be greatly appreciated! 
XXXX XXXX XXXX XXXX, FLXXXXXXXX
Consumer complaint received 2017-03-14
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIBANK, N.A. (FL)

I am not sure which application I need to submit this dispute as I am not the borrower and did not authorize this transaction/account opening but I would like your assistance in obtain feedback from this company as to why they are reporting a charged off and out of date account that has been on my credit files since XXXX? I do not own a account with this company and I wrote to both the company and the credit bureaus in XXXX advising that this account be removed or that I be provided with validation as to the date this account was opened and defaulted upon and provide me with all documentation used to validate balance owed. I have requested this company and the credit bureaus ( XXXX ; XXXX and XXXX ) close out this inaccurate out of date account and update my files accordingly.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report on the account listed as US DEPT ED there are several inconsistencies which means neither credit bureau took the necessary steps to ensure they were reporting accurate information. The account report 3 different ways. 

Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Creditor Type Government Student Loans Federal Federal Creditor Remarks : -- Current account/was a collection account, insurance claim or government claim or terminated for default. 
Student loan Fixed rate Term Length : -- 1 Month ( s ) -- Last Payment : -- -- XX/XX/XXXX XXXX is reporting the account as a XX/XX/XXXXXX/XX/XXXX to XX/XX/XXXX but then the account updates to OK this can not be possible and the other 2 credit bureaus are not reporting it like that at all. The credit bureaus have failed to follow reasonable procedures outline in the FCRA.
Consumer complaint received 2016-10-13
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (WA)

Against - Citibank/Credit card online service Details - From last 8+ years, I am regular citi credit card customer. Few years ago, I opened Citi bank account and while registering bank account online, I was asked to create new online account to add Citibank account to my existing profile. it was n't easy process as simply adding to my existing citi credit cards online account. While doing that, I lost access to the existing account and they asked me to register new account and add bank and credit card info there, which I did. Few months ago, I closed my citibank account but 2-3 weeks ago, my online access to the citi.com was stopped as it asked me to enter some banking information which considering I have closed bank account for a while I could n't provide, so I called their customer service. Again, they provided only resolution to solve this is by closing that online access, create/register another account with new loginID and register my accounts again. I simply asked to see if they can raise issue with their IT department to solve this as I have not seen similar problem with other banking companies, which CITI representative told me that they ca n't do that, and re-registering account with newer ID is the only resolution. So I simply asked them to provide this in writing that " citi ca n't solve this problem at this stage and only way to resolve this is by creating new account '', but again they refused to provide me anything in writing either. I spoke 2 level in their management chain and got the same response. I really do n't know who to complain or write about this. I only want Citi to stand behind their words but seems like they are unwilling to do so.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX, XXXX, & Equifax is reporting incorrect information listed on the account XXXX it has several inconsistencies which means this account has not been properly validated or verified. An account can not report 3 different ways. 

Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX -- Account Rating : Closed Paid Paid Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX There are also several late payments that are reporting which is not correct this account was never late. These late payments should be immediately updated to paid as agreed. Each bureaus keeps redoing that it is verified but provides no evidence that they conducted a reasonable investigation because if they did the information would be provided to determine this.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion, XXXX, & XXXX is reporting incorrect information listed on the account XXXX  it has several inconsistencies which means this account has not been properly validated or verified. An account can not report XXXX different ways. 

Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX -- Account Rating : Closed Paid Paid Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX There are also several late payments that are reporting which is not correct this account was never late. These late payments should be immediately updated to paid as agreed. Each bureaus keeps redoing that it is verified but provides no evidence that they conducted a reasonable investigation because if they did the information would be provided to determine this.
Consumer complaint received 2022-09-06
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed accounts saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Transunion run me copies of documents bearing my signature to prove the status of the disputed accounts. If they unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected XXXX : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : $ XXXX Late Dates XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Dates XXXX, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Dates XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Dates XXXX, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX
Consumer complaint received 2016-05-08
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

- On Saturday XXXX/XXXX/XXXX My husband got a call on his cell phone. A " courier '' called from a private # and told him that an attorney firm has been trying to serve him twice at our current address & a previous address. He told my husband to call ( XXXX ) XXXX, gave him a case # : XXXX and said to ask for XXXX XXXX . Since it was n't a good time, my husband did not call. The courier called another 2 times. I picked up the phone the 3rd time. He asked me if I was his spouse. I said I was his spouse. He said that I was able to call since I was his legal spouse and that the call was extremely urgent. I asked him if he was forcing us to call. He said " No '', but XXXX XXXX was waiting for My husband or his spouse ( me ). I called ( XXXX ) XXXX five days later on XXXX/XXXX/XXXX, gave my case # XXXX and they put me through to XXXX XXXX prior to speaking with XXXX XXXX the receptionist told me he was a collections agent in the litigation dept ). - XXXX XXXX told me that he is an attorney and this call was regarding a Bank of America credit card opened in XX/XX/XXXX, closed in XX/XX/XXXX & the Statute of limitations is XXXX/XXXX/XXXX. The card was in my husbands name and the balance is {$9700.00}. He also told me I had XXXX day to pay this amount and since I am XXXX 's spouse and we live in the State of XXXX, I am equally responsible. Now, my husband never had a Bank of America credit card in XX/XX/XXXX under his name. I, however, had one but the card numbers XXXX gave me did not match at all. I told XXXX the state of XXXX does not make a spouse pay for a credit card that belongs to his or her spouse and we were not married in XX/XX/XXXX. He yelled at me and told me to Google it. ( It 's just not true, I know that for a fact ). I told him all the information is inaccurate. He got agitated, yelled " I will see you in court '' and hung up. I called back to tell him that if he listened to me he would know that I was awarded a Ch XXXX bankruptcy. He put me on hold for XXXX mins. I called back and told him that I need his fax number and I told him that he was a scammer. He told me to " XXXX '' and hung up. I googled XXXX XXXX attorney in CA. He seems to be the same scammer called from a previous number of XXXX ( that # is now disconnected ), claiming to be from another Company, XXXX XXXX XXXX in XXXX, XXXX. I also googled " ( XXXX ) XXXX ''. There are many complaints about XXXX XXXX attempting to collect old credit card dept with inaccurate information and people fall for it & pay them money.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion is reporting an alleged collection account XXXX XXXX that has not been validated as belonging to me. I would like the documents or the name of the person whom TransUnion spoke with to determine this information about me. Debt collectors needs the permission of a competent judicial court to collect on debts and this matter has not been filed in any court so how is this account being reported? Under FCRA credit bureaus are required to provide details into their investigation process.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Atlanticus Services Corporation (NC)

aspire credit card charged me double ( over {$170.00} ) x2 on XX/XX/22 and XX/XX/22 and refuses to do anything after requesting they do so in writing and by phone. This Is Already taken XXXX pts off my credit score! i need help please!
Consumer complaint received 2022-02-13
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. (VA)

In XX/XX/2021, I noticed XXXX XXXX was reflecting on my credit report negatively. I sent a letter to the bureau in XXXX XXXX, disputing this inaccurate information. The account is paid in full and was paid in good standings. The account is reflecting a chargeoff status which is inaccurate, not true.
Consumer complaint received 2015-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (VA)

Equifax continues to reinsert previously deleted and false information and I am asking CFPB to make them stop doing this. They have ruined job opportunities and credit opportunities and cost me an increased mortgage interest rate because of this. Currently, they are reporting, in violation of their own policy and federal law a Chapter XXXX bankruptcy that was filed seven years ago in XXXX 2008. 
Additionally they are falsely reporting that I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXFinally, they are reporting as XXXX separate inquiries a single authorized inquiry XXXX.
Consumer complaint received 2022-09-06
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} 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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-06-01
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: Experian Information Solutions Inc. (NV)

I have contacted Experian on several occasions in attempt to gain access to my credit report and my credit score, however they are stating that I do not have one generated because all of the lenders I have accounts with are not reporting to them. However, I have contacted all of the lenders and all three of them ( XXXX, XXXX XXXX, and XXXX XXXX ) all have verified that have been reporting to Experian for the last two years. When I pulled up my other credit reports with XXXX  and XXXX  all of my accounts are being reported, so this must be something going with Experian. I have tried to explain this to Experian and they refuse to help and find a resolution. Because of this situation, I am unable to get my true fico score from MyFico because they stated that Experian is giving them an error when they request my file from them.
Consumer complaint received 2016-03-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (NY)

First National Collection Bureau , Inc. sent me a letter ( along with a payment book ) indicating that I owe over {$5000.00} to a company I never incurred debt from. On this letter, they indicated that this " debt '' was from 2007. After further research, it was determined that this company has been practicing in false/scam situations similar to this one for years. I ran my credit report ( as a safety precaution ), and saw that this debt is not and never was on my credit report. Upon further research, I saw that this company has MANY class action lawsuits pending against them.
Consumer complaint received 2016-05-29
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I made a {$160.00} payment at Macy 's store for a credit card bill that was erroneously applied to my in store account.I called customer service and the amount was transferred to my credit card balance. I received a check dated XXXX/XXXX/XXXX for the amount of {$160.00}. I knew it was another error on their part so that check was never deposited on my part. On XXXX 2016, I found out I was billed {$160.00} for in store balance, so I called customer service and I was assured their error would be corrected, and my in store balance would be {$0.00} as it should have been in the first place. On XXXX XXXX, I checked if they kept their word, now my balance is {$180.00}, which was {$160.00} plus interest for " late payment. '' I have to call again, and a male customer service without saying anything just put me on hold. I have been on hold for the past XXXX minutes now.
Consumer complaint received 2016-06-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To whom this may concern, I am in a bit of a unique situation that has severely limited my access to financial services and I am writing this complaint in hopes that a solution can be reached. 

By way of background, here is the problem : I am currently located in XXXX but receive physical checks from my freelancing work. These physical checks are delivered to my US address, XXXX XXXX XXXX, XXXX XXXX, California, XXXX because international mail is both expensive and inconsistent. While I previously had these checks sent to directly to my US bank account, my bank decided, for unknown reasons to close my bank account. As a result, I have been unable to cash about 6 months worth of checks and have been having significant financial troubles. While I could resolve this situation by traveling back to the US and opening up another bank account I am prohibited from doing so because of the associated cost. Despite having over one thousand dollars in soon-to-be stale checks in the US, I am unable to access any of the monies from those checks. 

I am writing this complaint in hopes that Bank Of America will provide me with a detailed response on how I can get those checks cashed and gain access to the monies. Thus far I have tried : 1. ) Giving my mother, who is receiving the checks at my former US address, a Durable Power Of Attorney. The bank refused to honor this Power Of Attorney despite it being fully signed and executed. The bank states that I must have the Power Of Attorney notarized, however, XXXX is not a signatory to the XXXX and thus is not allowed to do international notarization. At the same time, the US Consulate provides notarization services but traveling to and from the US Consulate and paying the notarization fee is beyond my financial means. 
2. ) Other means such as sending the checks to XXXX, signing the checks, then sending them back to the US and then having my mother deposit the now endorsed check. It works but because of the shipping times involved, some of the checks become stale dated and expired, thus limiting my ability to gain access to my funds. On top of this, the additional shipping costs are unreasonable for small dollar checks. 

In review of the California Statutes regarding notarization as listed here : XXXX I would like to inquire if the bank with allow a signed power of attorney with XXXX witness signatures, in accord with Section 4122. Please promptly advise and I will have a Power Of Attorney signed with XXXX signatures made available to the bank for review. 

Finally, in review of the CFPB guidance regarding POAs and similar options listed here : XXXX and XXXX, I would like the bank to explain if there is any other method, option, or service that could allow me, or a family member acting on my behalf to cash the checks. 

You may call me at XXXX XXXX XXXX XXXX or contact me directly at XXXXXXXXXXXX Sincerely Yours , XXXX XXXX XXXX