davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-07
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. (UT)

Im writing this on behalf of my minor XXXX. Last year I received a letter from the state of Utah saying that there had been a breech and my sons social security number had been compromised. I also got a letter stating someone was using his number because there were reported wages coming back associates to it. At the time he was XXXX and was not then nor has ever had any kind of employment that would reflect earnings. I have attempted to request his credit report from all 3 reporting bureaus so I can see if someone is trying to use his credit as well and if not then to lock his file out so no one can use it. The state of Utah has been of no assistance whatsoever in resolving this. None of the credit bureaus will supply me a copy of his report because he is under XXXX. The instructions for getting one advised me to file a complaint on this site as the initial step. I have now done that as well as mailed all requested documents into each agency individually.
Consumer complaint received 2021-11-04
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. (MI)

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to EQUIFAX on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law?
Consumer complaint received 2023-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIFIRST FINANCIAL, INC. (CO)

To Whom It Concerns : We have been mortgage customers of AmeriFirst Financial since XXXX. We have always paid on time and the AmeriFirst Financial changed our loan account number on XX/XX/XXXX, but the mortgage loan was still kept under the AmeriFirst Financial name. Now that it is tax time AmeriFirst Financial has only provided us with a 1098 recording our payments, interest, and taxes paid from XXXX through XX/XX/XXXX. We have NO record of payments, interest, and taxes for XXXX through XX/XX/XXXX. I have called various locations of AmeriFirst Financial and emailed 3 times for help and all I get are to call this disconnected phone number XXXX or email this " no longer in use address '' XXXX. It must be illegal to have taken our money and not report it to the Federal government. 

The old loan number was XXXX. The old AmeriFirst Financial address was XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX IL XXXX. 

On one of my phone calls, the support person even said " If you didn't have online access before, you won't be able to set it up now. '' Then I was put on hold for 30 minutes and no one ever called back.

In addition, I keep every single mortgage statement that comes in the mail the old-fashioned way, and AmeriFirst Financial didn't even send us statements for XXXX XXXX. Now I am worried that 3 months of payments weren't even applied to our mortgage and we have no proof. 

Please help us resolve this issue with AmeriFirst Mortgage. We don't know what else we can do. It's not ethical or legal to not report consumers ' mortgage payments, interest, and taxes paid. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2019-03-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (FL)

both conducted mortgage transactions without a title. 
Requested copies of the disapproval FHA application XXXX stated they had obtained. 
Requested copies of the RMA application package Requested a copy of the document which stated payments could resume Requested a copy of the foreclosure notice.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than 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.
Consumer complaint received 2021-11-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2015, XXXX XXXX XXXX engaged in a open ended credit transaction with American Express. American Express sent me monthly statements, which showed a positive number in the balance column stated that I owed a debt. 18 USC 8 shows that all obligations ( debt ) are the responsibility of the US. American express has called me on numerous occasions and have sent me emails about paying a balance that is in the positive. They have engaged in adverse action by closing my account and reporting negative information on my consumer report. All of the statement they have sent me have billing errors on them. They have violated me by stating that I owe this alleged debt and by closing my account and by furnishing negative information on my consumer report without my written permission.
Consumer complaint received 2019-03-15
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. (LA)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (FL)

I am XXXX XXXX, and I am submitting this request myself and there is no third party involved. Regardless of the multiple written requests, the DISCOVER FIN SVCS LLC still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-examine most especially the status information on this account. Otherwise, delete this collection account NOW.
Consumer complaint received 2020-01-24
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

Received an email that I had been denied for a credit card that I had not applied for. Immediately tried contacting the company with no satisfaction, answers or even a response as to how this happened, however they were quick to remove 51 points from my credit score. Tried filling a dispute with XXXX XXXX only to find no way to file a dispute over so  called 'hard inquiry '. Was notified by XXXX, XXXX with alerts as to the sudden 51 point drop in my credit score
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  Account # 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 2022-01-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo and Wells Fargo Advisors, have failed to supervise their Financial Advisors for improper use of their client directed Asset Advisor Accounts. Some Financial Advisors at the firm, utilize the account as a FA discretionary account. Instead of calling the client before placing trades, specifically elderly clients, about trades that are made in the account, the FA takes discretion and places trades. Some FAs also use the account to generate ongoing fee based business by placing securities in the account that are long term holds, with little or any other securities in the Asset Advisor Account. These long term hold securities should be placed in a regular brokerage account, where ongoing annual fees are not charged to the client. I have made Wells Fargo aware of these inappropriate uses of the Asset Advisor Account, to my immediate supervisor, XXXX XXXX, who has recently been fired. He was the Divisional President. In addition, I have made XXXX XXXX, Head of the Branch Network at XXXX, aware ... XXXX XXXX, President of XXXX, and XXXX XXXX, previous President of XXXX, and now President of the XXXXXXXX XXXX at XXXX, are also all aware, and they all have done nothing to stop it. The improper use of the Asset Advisor Account in order to generate fee based revenue is a systemic problem at the firm across their entire footprint. I can attest to this and provide evidence.
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 want to report fraud for the following accounts that I have disputed with all XXXX credit bureaus. The credit bureau told me to add all the companies I am disputing in one FTC fraud report and not to complete it individually. 
1 ) XXXX ending in XXXX 2 ) XXXX XXXX XXXX  ending in XXXX 3 XXXX XXXX XXXX  ending in XXXX 4 ) XXXX XXXX XXXX ending in XXXX 5 ) XXXX XXXX ending in XXXX 6 ) XXXX XXXX  ending in XXXX
Consumer complaint received 2019-11-13
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to XXXX transactions that I have made/accounts that I have opened XXXX, as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2021-08-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCS Financial Services, Inc. (FL)

These people called me to make a payment which I did I paid off in full I mailed them the check and they said theyre not gon na report it to my credit report and now they did report it to my credit report and theyre not refusing to take it off they made me make a payment which I could not even afford and I was disputing it and I asked for a letter verification on the deck which they refuse to do and I still paid it took the money out of my kid is miles and they wont remove something they told me they were never gon na report they violated my rights under the fair credit and billing act to disputing the stat not only did I pay at the reporting on my credit report and the refusing to remove it
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX BANK FAILED TO CORRECT ALL 4 CREDIT BUREAUS TO REFLECT ACCOUNT CLOSED BY CONSUMER-CLOSED-PAYING AS AGREED NEVER LATE.
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I have been on the phone with XXXX XXXX countless times this was all settled I do not owe them {$560.00} and the account is closed. 

I am unsure as to why it still says open or why they feel I owe them anything. I was told by there customer service they would let XXXX and XXXX know the account was settled and months later nothing has been done. 

We had came to a settlement which they already know. Hopefully this honest error on there part can be fixed thank you. Any questions call me.
Consumer complaint received 2019-03-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Meadowbrook Financial Mortgage Bankers Corp. (NY)

I purchased my first mortgage from servicer Meadowbrook Financial Mortgage Bankers Corp. on XX/XX/XXXX. On XX/XX/XXXX my mortgage loan was transferred to new servicer XXXX XXXX XXXX XXXX. Upon reviewing my online account with XXXX XXXX XXXX XXXX between late XX/XX/XXXX to mid XX/XX/XXXX, I noticed my ESCROW account was in the negative for over {$2300.00}. I called XXXX XXXX XXXX XXXX to find out why my ESCROW account was negative but a representative stated " we have no idea as to why, please contact Meadowbrook Financial Mortgage Bankers Corp ''. I called my first mortgage loan servicer and my broker XXXX XXXX but he had no answers for me. From that point on I grew suspicious and felt there were malpractices going on. Miraculously the same day I raised awareness about my ESCROW account being negative, was the same day my ESCROW account was in good standings. At this point I started doing a lot of investigating and going over my disclosures carefully. There were a few red flags on my disclosures such as the wrong race ( which I complained about before ), it indicated that I've done a phone interview ( I clearly did a face to face interview ), an extra brokers point was taken from closing, the RESCIND documents were never present nor signed, a fraudulent Commitment was made to buy my loan some approval time and XXXX XXXX XXXX ( the actual broker that closed my loan ) name ws nowhere to be found on my disclosures. I thought that was very odd and suspicious. Until this very day, I do NOT trust Meadowbrook Financial Mortgage Brokers Corp. nor XXXX XXXX XXXX XXXX with my money. I've been wait over one year for both lenders/servicers to answer the important question which is : WHO OWNS THE NOTE TO MY MORTGAGE????? XXXX XXXX XXXX XXXX put my home in foreclosure on XX/XX/XXXX. I responded with an answer and discover on XX/XX/XXXX. XXXX XXXX XXXX XXXX 's first attorney never responded to my discovery and backed out the foreclosure case. The second attorney hired by XXXX XXXX XXXX XXXX answered to the courts saying that they are not choosing to respond to my discovery and than backed out the foreclosure case against me ... .. WHY???? This is an unlawful malpractice on the part XXXX XXXX XXXX XXXX played. If XXXX XXXX and XXXX XXXX does NOT own my mortgage note and my information dose not appear in their system, than who is the actual note holder of my mortgage???? I contacted my title company XXXX XXXX XXXX via fax on XX/XX/XXXX regarding this issue but I did not receive an email nor replied letter by mail.
Consumer complaint received 2023-01-19
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)

I reviewed my credit report more than 30 days ago, XX/XX/2022, and requested Equifax update my personal information. More specifically my name. I found multiple variations and spellings of my name. I only go by one name and one spelling of that name. I sent documentation providing my name and the one variation of spelling to XXXX and my information still has not been updated.
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 — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

This isn't denying the debt debt but to report that American Honda Finance is reporting inaccurate and inconsistent information across all three credit bureaus which all information being reported to the credit bureaus must be 100 % accurate. Numerous violations are in place and even though American Honda Finance is not a debt collector per the FCRA all information being reported must be 100 % accurate which is a fine of {$1000.00} per violation. XXXX  and XXXX  reports a high balance of {$16000.00} while reporting {$12000.00} on XXXX. This inconsistent reporting is hurting my credit score and even causing me to get higher loan rates by having a higher debt ratio on my report by when loan officers compare my income to debt ratio it'll look higher at {$16000.00} vs if it's indeed {$12000.00}. This reporting also has caused me to get denied job opportunities by XXXX and others by having inconsistent information on this account and having charge off payments being reported when it's not supposed to once the account is closed no late payments are suppose to be reported per the FCRA. The Date Of Last Activity for XXXX  shows XX/XX/XXXX while XXXX  shows XX/XX/XXXX and XXXX  showing XXXX. This account on XXXX  and XXXX shows a later date of last activity which is inconsistent with all three bureaus and is in violation with the FCRA by the accounts would be ILLEGALLY re-aged on how long they would stay on the report. If all three credit bureaus are getting their information from the same creditor how is it that they're all reporting inconsistent information. XXXX  shows this account was an auto loan when in fact it's an Lease as shown with XXXX  and XXXX, The payment history across XXXX  and XXXX  are both inconsistent and shall show with the attachment highlighted. 




I've disputed this account previously back on XX/XX/XXXX and the creditor bureaus and experian did not update the date last date Verified which is a violation with the FCRA by which they're suppose to update the account each time when the file is disputed.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX  XXXX/ {$890.00} / XX/XX/2022
Consumer complaint received 2022-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MI)

Paypal notified me that my account was limited permanently for violating their user agreement. There was no specification on my account and when I spoke to customer service they said there was no specification as to what went wrong in the report and they could not find out why. Customer service also told me that I have a legal right to know why and to take legal action. They permanently banned my account and could not specify why.
Consumer complaint received 2019-11-13
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: Onity Group Inc. (AR)

OCWEN LOAN SERVICING IS STILL REPORTING 2 MORTGAGE ACCOUNTS ON XXXX SINCE XX/XX/2015. OCWEN MUST NOTIFY XXXX   REPRESENTATIVE AND MAKE SURE YOUR CREDIT REPORTING BILLS ARE PAID TO XXXX.LOAN NO.XXXX
Consumer complaint received 2020-01-22
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. (KY)

I received notifications regarding my credit report regarding the below items which are not mine and are either a result of fraud or a mistake : With XXXX there is an inquiry from XXXX XXXX on XX/XX/XXXX. This was not me. 

With Equifax there are inquiries from the following which were not me : XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX With XXXX the following inquiries XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XXXX  account and a medical bill.
Consumer complaint received 2019-09-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

claim Number XXXX. This complaint is in regard to an unautorized charge on my account. I authroized XXXX to take out 4 payments of XXXX. They took out a payment of XXXX then a pyament of XXXX which is not what I agreed to. Here is a screen shot from my XXXX account supporting my position the first payment was charged correctly but the second payment was not. XXXX XXXX XXXX changed me to out of state by mistake but XXXX keeps trying to charge me the incorrect amount.