davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

COLLECTIONS ON MY CREDIT REPORT ARE INCORRECT AND CAUSING ME FINANCIAL HARDNESS. 

1. XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2017-12-19
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. (CA)

COLLECTIONS ON MY CREDIT REPORT ARE INCORRECT AND CAUSING ME FINANCIAL HARDNESS. 

1. XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2020-11-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (PA)

Hello, About a month ago, I started the refinance process with Better Mortgage Corporation ( NMLS ID XXXX ) to refinance my existing mortgage at XXXX. 

The process started off rather smooth. However, towards closing, it started getting a little aggravating. The initial disclosure was fraught with errors : outdated payoff amounts related to my existing mortgage with XXXX, incorrect escrow numbers, the title costs changed with every version, etc. Despite several attempts to get the information corrected before the closing was first planned, the disclosures were not updated in time for closing. Eventually, after prodding for answers and explanations about some of the numbers, I managed to get some of the numbers corrected and satisfactory answers on others. Though a few numbers still did not match up, the differences per my calculations were small enough to let it go in relation to the loan amount. 

Finally, on XX/XX/2020, I received a written confirmation from Better Mortgage that the new loan was closed and funded. ( By the time I had closed with Better Mortgage, XXXX had processed the payment for the month of XX/XX/2020 ). At this point, I fully expected Better to wire the funds over to XXXX and once XXXX paid off the mortgage, I'd be refunded any excess payment amounts in addition to the escrowed amounts. 

XX/XX/2020, more than a week after the new loan was closed, I noticed my XXXX loan had not yet been paid off. I wrote to Better Mortgage, asking that they send me a confirmation or an acknowledgement of the payoff funds being wired to XXXX. 

No Response from Better Mortgage. 

In the meantime, I called XXXX asking if they had receive any notification or heads up from Better, letting them know to expect the funds to be wired. They had not. 

Wednesday, XX/XX/2020 - sent a follow up to Better Mortgage. 

Still no Response from Better Mortgage. 

Thursday, XX/XX/2020 - I called the closing agent at Better Mortgage. He said it looked like it was stuck at settlement and that the matter would be resolved today. Mind you ... this is two weeks after the new loan was closed. 

Friday, XX/XX/2020 - No receipt or email confirming the action taken, so I once again called the agent at Better Mortgage. I was told that he is in a meeting but did pass on the message that the funds will be wired today and that he will follow it up with a detailed email to me. 

Saturday, XX/XX/2020 - No email or confirmation from Better Mortgage till date. Meanwhile, my loan at XXXX has still not been paid off. 

The incompetence at the manner in which the closing is being handled by/at Better Mortgage is glaring enough, compelling me to reach out to the CFPB. Fortunately, I've made advance payments to XXXX, so the due date is not in the month of XX/XX/2020. Otherwise, I would have had to make payments to two mortgage companies simultaneously to avoid late fees. And we all know how tedious it is to get those refunded.
Consumer complaint received 2021-09-04
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. (GA)

I had an account with XXXX XXXX XXXX that's reflecting a 30 day late payment status on a account I have never been late. It also reflects the 30 day late payment status despite the account has been paid and closed for quite some time. The historical payment history does not reflect what month and year this alleged late payment took place so it makes it challenging to be more specific but I do know I was set up on auto payment for the account during the duration of the account. I wrote the credit bureau back on XX/XX/2021 and as of today I have not received any mail or electronic mail in regards to my dispute as a result I am writing a complaint with your company. To support my claim if you go on the XXXX XXXX XXXX website this company only has unanswered claims and does not have their contact information on my credit report.
Consumer complaint received 2019-08-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company (TX)

Hi, My email and password was found on the blackweb and I have 19 data breaches dating from XXXX - XX/XX/XXXX. I have taken the appropriate measures to pay for credit monitoring services. In XXXX, a medical collection was added to my credit report that was inaccurate and unverifiable as it does not belong to me. After some research, I found out the original debt came from XXXX XXXX XXXX and was sold to Merchant Credit Guide Co. Unfortunately, XXXX XXXX XXXX was unable to give me any information about the debt over the phone and when I spoke to the records department because the debt head been sold. So, I started to dispute this information through the credit bureaus and Merchant Credit Guide Company by certified mail on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There was only two responses received on XX/XX/XXXX stating, " Dear Customer, This notice is to confirm that we are in receipt of your request for validation of the above mentioned account. We will send your request for the documentation to the creditor. Upon a receipt, we will for it on to you. If we are unable to obtain the documentation a a timely manner, we will close the account, cease any further collection activity and return the account to the creditor Sincerely, Compliance Department Merchant 's Credit Guide Company - This communication is from a debt collector and is an attempt to collect a debt,. Any information obtained we will be used for that purpose. '' The last correspondence was to the debt validation letter which was received by Merchant Credit Guide on XX/XX/XXXX, which stated there was an XXXX XXXX XXXX on XX/XX/XXXX, with no signature of the individual who actually signed or filled out the the emergency form. I have called Merchant Credit Guide Company on a number of occasions and the phone either rings continuous or makes a high pitch beep sound. And I have explained to the collector in numerous certified letters that my email address and passwords had been compromised and that I did not create this bill.
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I was dismayed after I ordered my XXXX, Experian and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days late as of XXXX XXXX and 60 days late as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Consumer complaint received 2019-08-12
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 — Problem with personal statement of dispute
Company: Credit Corp Solutions Inc. (FL)

On, XX/XX/2019 at XXXX XXXX., I made a call to Credit Corp Solutions at XXXX and spoke with XXXX to obtain a settlement with an agreement to remove the credit line from my credit report. The manager,  XXXX, agreed and stated that it would be removed in 30 days. I have contacted the company numerous times because they have not yet honored the agreement. I spoke with XXXX XXXX, Senior Manager at XXXX on XX/XX/2019 at XXXX XXXX., at which time, he stated that he will make sure that their Compliance Dept. will delete the item from the report. I spoke with several different representatives from XXXX 2019. Another call, I ended up speaking with a representative by the name of XXXX on XX/XX/2019 at XXXX XXXX. He assured me that he will look into the matter and make sure that it would be handled. I called the next day because I did not hear anything back as promised on XX/XX/2019 at XXXX XXXX. at XXXX ( ext. XXXX ) and spoke with XXXX again and he stated the exact same thing to me as the previous day, he would handle it. Several more calls were made to the point that XXXX no longer answered my calls. On XX/XX/2019 at XXXX XXXX., I spoke with XXXX, whom claimed to be an account manager, which she agreed that her records showed that they have deleted the item on their end. Someone by the name of XXXX jumped on the line at XXXX XXXX., and stated that he was working on my behalf to contact XXXX to see why they have not deleted being that they have submitted a request for deletion. I contacted XXXX, and the representative stated that they had no request to delete from Credit Corp Solution. I then proceeded to dispute the matter, which was done on XX/XX/2019. Only two days later on XX/XX/2019, I received an update to the dispute that the information was accurate. I contacted Credit Corp Solution on XX/XX/2019 at XXXX XXXX., and spoke with a representative by the name of XXXX and explained to her everything that had transpired. She stated that they have done everything on their end and has submitted a request to delete but could not give me a date of when it was submitted. This company has been giving me the run around since XXXX.
Consumer complaint received 2019-08-12
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. (NY)

I have been working with Transunion to update or delete accounts that have errors on my credit report and Transunion confirmed they did a complete investigation into the accounts and everything is 100 % accurate by law. 

I then pull my annual credit report from Transunion and notice the changes havent occurred. I have attached the accounts in question, I have highlighted the issues and I am submitting this filing for help addressing this big company. 

I have noticed they are manipulating my scores. Please see attached for a detailed picture. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-19
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. (FL)

I was dismayed after I ordered my Equifax, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days late as of XX/XX/XXXX and 60 days late as of XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (MO)

I issued a few disputes in various ways about this already, but didnt realize the scope of the problem. At first I thought this only was on my XXXX   report. Now I realize its also my XXXX and XXXX as well! 

There is an account from a Collections Agency being incorrectly reported an my credit files. 

The account is from the collection agency, National Credit Adjusters, account # XXXX This account was paid in full with a XXXX dollar balance, closed settled as of XX/XX/2016. It should not be active on any of my reports. I have submitted various disputed to all three credit bureaus now. XXXX simply responded that the Collections Agency is not reporting at this time. 

I should have no accounts in collections, and further, XXXX is displaying this item as a Charge Off, meaning that they say I still owe money for it. 

National Credit Adjusters needs to be held responsible for correctly reporting this item as Closed with a Paid in Full status, as of XX/XX/2016 ), and being sure the credit agencies receive that information. 

I have a correspondence from them, verifying that the status of closed and paid in full is true and accurate, which I will attach, along with pictures of the Charge Off status from XXXX and the Open status from XXXX. This account still shows as active in collection on XXXX too. 

All of this needs to be corrected and properly reported by Nationals credit Adjusters.
Consumer complaint received 2021-02-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation (TX)

In XXXX of XXXX, I refinanced my house at XXXX XX/XX/XXXX XXXX, TX XXXX with Fairway Independent Mortgage Corporation. An escrow account was created for property taxes and homeowners insurance. 

In XXXX of XXXX, the XXXX XXXX, TX property taxes were assessed, and the bill was sent in the amount of approximately {$7000.00} with a due date of XXXX XX/XX/XXXX. 

In early XXXX of XXXX, I called Fairway to verify they were planning to pay the tax bill and knew the amount. They internally verified that the amount to be paid was {$7000.00} and that the bill would be paid on XXXX XXXX. 

Sometime in midXXXX XXXX, my XXXX XXXX, TX XXXX application was approved, and the property tax amount was lowered to approximately {$6000.00}. 

On or about XXXX XX/XX/XXXX I checked the XXXX XXXX, TX public records to verify payment of the property taxes. The property taxes were not paid and a late fee of approximately {$450.00} was assessed. That same day I contacted Fairway and I was informed that an 'investigation ' would occur. 

On XXXX XX/XX/XXXX I contacted Fairway again in regards to the property tax payment. The investigation was 'still on-going '. 

At this point, I am majorly concerned with damaging effects to my credit score if the tax bill is not promptly paid. Fairway 's blatant inaction on paying my property taxes is appalling. I do not trust their ability to 'investigate ' this matter.
Consumer complaint received 2021-05-24
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. (TX)

I have reached out to Equifax well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.
Consumer complaint received 2019-08-12
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)

Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXXXXXX XXXX XXXX , XXXX , XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 12 XXXX XXXX XXXX XXXX )
Consumer complaint received 2022-04-02
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Financial Credit Network Inc (AZ)

On XX/XX/XXXX I filed my taxes with XXXX XXXX and used the pay out of my refund option for the fees. My direct deposit date was XX/XX/XXXX. My bank rejected it. I called the bank a week later and confirmed they sent the money back. Because I paid the fees out of my refund, the refund was returned to XXXX XXXX tax group, XXXX. Every time you call its a different day as to when the check was printed or mailed. Well fast forward a month later and a whole lot of phone calls, the IRS traced the refund back to them. My check has yet to be mailed. Its been over a month and I still have nothing. This is fraud. They are trying to push into signing to get it reissued to cover there own butts, and its ridiculous that I have to pay for my own money back.
Consumer complaint received 2021-01-12
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. (CA)

During the beginning of the Covid 19 crisis my income was reduced due to the lockdown and I was late in paying my XXXX credit card bills. I was ultimately able pay after a 3 month period of being late. It was my understanding that the credit card companies would have some forgiveness for late payments but instead it shows as late on my credit reports for the 3 bureaus. This is negatively impacting my credit score. I tried to get the late payments removed but they continue to show up as late
Consumer complaint received 2021-02-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (FL)

My Problem is with KIA Motor Finance. I am emailed before each payment is taken out of my checking account. The XXXX payment was about {$45.00} more than the contract stated payment of {$380.00} per month. Then after I called them no one could tell me why on my first six conversations, so I informed my bank to not allow the payment be taken out of my checking account. Then I followed up even before the payment was due and spent another 3 hours on the phone trying to find out why the payment was higher and finally after six more conversations they told me that due the the change of state ( I bought the car in South Carolina and then had it retitled in Florida ) the sales tax amount changed and so does my payment. I said by over {$40.00}! So by now I just wanted to know what my payment would be and they could not give me a straight answer because they had put a {$15.00} NSF penalty due to my stop payment through my bank. Now they have given my a payment amount of {$400.00} but they want to charge me {$7.00} to take a payment over the phone and if I don't pay by XXXX XXXX, 2021 I will not only owe the NSF {$15.00} but also a {$15.00} late fee. This is driving me crazy. I am a XXXX year old senior living on a fixed income and just wanted to know what my payment was. Then I found out that because the state where I bought the car ( South Carolina ) charges the entire sales tax up front and Florida charges month by month that I have to go back to South Carolina tax authority to get a refund and that is not right either. What should I do? I have not made my payment as of XXXX XXXX, 2021. Thanks
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

COLLECTIONS ARE INCORRECT, THE AMOUNT IS PAID TO THE ORIGINAL COMPANY. I DISPUTED WITH CREDIT COMPANIES BUT THEY DIDNT REMOVE FROM MY REPORT. 

1. XXXX XXXX XXXX XX/XX/XXXX {$1300.00} 2. XXXX XXXX XXXX XXXX {$1900.00}
Consumer complaint received 2022-04-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (OH)

Procollect is a collection agency I guess for XXXX XXXX XXXX. I paid the XXXX XXXX XXXX in full. Procollect is stating on my credit bureaus I paid their collection company and stating a different amount. They r dishonest and inaccurate I have disputed this and the credit bureaus said it was validated. Which is not true. I gave copies of my money order receipts I paid to the XXXX XXXX XXXX to all 3 credit bureaus. And procollect changed the amount I had paid to an inaccurate amount. but still not to the accurate amount. I want this account immediately removed or I will sue procollect and each of the credit bureaus for dafamation of character
Consumer complaint received 2022-04-02
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, has violated my rights. 

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 2022-04-27
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. (IL)

XXXX XXXX  XXXX XXXX XXXX XXXX - Account # XXXX. I have never been late to this company providing a payment, yet they have late payments marked on my credit report. This is in reference to 15 U.S.C 1666 ( b ). This information is not accurate In accordance with the Fair Credit reporting act the following has violated my rights XXXX XXXX -Account # XXXX, XXXX XXXX-Account # XXXX, XXXX XXXX  - Account XXXX XXXX, XXXX XXXX -Account XXXX, XXXX XXXX- account # XXXX, XXXX XXXX  - Account # XXXX XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of following items of information any other adverse item of information, other then records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

My rights as a consumer has been violated.