davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

XXXX XXXX XX/XX/2019 Upon checking my credit report numerous times in the past. I came across a Unverified account that is a bankruptcy that I have know knowledge of! 
I XXXX XXXX HAVE TRIED DISPUTING THIS CHAPTER XXXX BANKRUPTCY-XXXX XXXX XXXX NUMEROUS TIMES IN THE PAST WITH THE CREDIT BUREAUS XXXX, EQUIFAX, XXXX AND HAVE FAILED TO GET A RESPONSE FROM THE THREE. THEY HAVE TARNISHED MY NAME WITH INACCURATE REPORTING! ACCORDING TO THE FAIR CREDIT REPORTING ACT THE CREDIT BUREAUS MUST MAINTAIN ACCURATE CREDIT REPORTING, AND ALSO 100 % VERIFIABLE PROOF ( DOCUMENTATION ) TO KEEP AN ACCOUNT ON A CREDIT REPORT. THE PROBLEM WITH THIS IS THAT XXXX XXXX XXXX XXXX PRESIDENT OF US INFO, AND XXXX XXXX EXECUTIVE VICE PRESIDENT OF XXXX XXXX AND XXXX XXXX PRESIDENT OF EQUIFAX LLC, AND XXXX XXXX SENIOR VICE PRESIDENT OF EQUIFAX LLC AND ALSO XXXX XXXX PRESIDENT OF XXXX XXXX  XXXX AND CORPORATE CHIEF CLIENT OFFICER OF EQUIFAX, ALONG WITH XXXX ARE VIOLATING THE FAIR CREDIT REPORTING ACT FOR REPORTING UNVERIFIED FRAUDULENT INFORMATION AND KEEPING THIS INFORMATION ON MY CREDIT REPORT PAST STATUES OF LIMITATION. I HAVE ALSO TOOK IT A STEP FURTHER AND HAVE REACHED OUT TO XXXX COUNTY 'S REGISTER DEEDS OFFICE IN XXXX THEY WROTE ME BACK IN A RESPONSE LETTER STATING THAT THEY DO NOT REPORT TO ANY CREDIT BUREAUS VIA FAX, EMAIL, OR BY MAIL I HAVE UPLOADED THE PROOF! ALSO IF THE CREDIT BUREAUS CONTINUE TO VIOLATE THE FCRA AND DO NOT REMOVE THIS UNVERIFIED ACCOUNT I WILL PURSUE FURTHER LITIGATION AND JOIN THE FIRST CLASS CONSUMER LAWSUIT INVOLVING OTHERS WHO HAVE BEEN A VICTIM TO XXXX XXXX PRESIDENT AT EQUIFAX AND ALSO XXXX XXXX XXXX VICE PRESIDENT AT XXXX XXXX! THESE COMPANIES ARE TAKING ADVANTAGE OF HARDWORKING CITIZENS WHO DO EVERYTHING IN THEIR POWER TO KEEP THEIR NAME CLEAN TO PROGRESS IN LIFE. I AM DISGUSTED WITH THE CREDIT BUREAUS. I HAVE ALSO OPTED OUT OF ALL ARBITRATION THAT THEY HAVE SETUP SO I CAN NOT SUE YOU ALL IN SMALL CLAIMS COURT!
Consumer complaint received 2017-10-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (KS)

Loan Amount XXXX} Estimated Monthly Payment XXXX Loan Type XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PrimeLending Settlement Agent- XXXX XXXX XXXX XXXX I signed a waiver of marital interest on XX/XX/XXXX at XXXX XXXX XXXX XXXX for PrimeLending. 

A XXXX XXXX XXXX encouraged me to sign the IRS XXXX  Form because after the divorce, the buyer would lose the property to foreclosure anyways and that since I signed the waiver of marital interests it would n't affect me personally. 

XX/XX/XXXX, I called the Lender at PrimeLending to inform them that my name was electronically signed and my social security number was used without my permission on a IRS XXXXT Form on XX/XX/XXXX. The lender was extremely upset due to the amount of time spent for the loan approval which is when I informed the lender of a divorce that was in process. The Lender then told me that the deal would be dead due to the divorce because there would be a significant change in income and that child support and alimony would deny the approval. I contacted my attorney who then called the lender at PrimeLending to inform him that I would not be signing any for or the IRS XXXX Form. The IRS XXXX Form was sent for approval anyways, XX/XX/XXXX an email was delivered from the loan officer at PrimeLending stating the loan was approved. 

XXXX XXXX met with buyer on XX/XX/XXXX for closing. 

I have spoke with a mortgage fraud attorney. 

I do have text message and email evidence of this complaint.
Consumer complaint received 2020-11-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I was looking over my credit report and noticed that this company is inaccurately reporting negative items. I submitted disputes over 60 days ago and haven't gotten a response or a solution to my problem! I have attached those letters for confirmation.
Consumer complaint received 2017-10-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (PA)

I took out a loan on XX/XX/XXXX2017. Interest rate is 786 % I have paid 7 payments of {$220.00} biweekly. The finance charge is {$1800.00} on {$750.00} loan. Total amount I will pay for this loan is {$2600.00}. I feel this is too much interest. I still have 5 more payments.
Consumer complaint received 2015-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: ONLINE Information Services, Inc. (GA)

I contacted Online Collections in reference to a letter they sent me stating I must contact them in order to prevent this debt being placed on my credit. I spoke with '' XXXX @ XXXX '' on XX/XX/XXXX,2015 and the following was agreed by XXXX us. In order to prevent this from appearing on my credit I had to set up 4 automatic withdrawal payments in the amount of $ XXXXwith the first payment being withdrawn that day. I gave her my bank information and she immediately withdrew XXXX from my account. She assured me that this now would not be reported on my credit. She set up 3 additional autodraft payments for the remainding balance. I checked my bank statement and confirmed Online Collections had indeed withdrawn the {$110.00} payment required to keep this off of my credit. I did exactly what was agreed upon to insure this would not be reflected on my credit. Today XXXX XXXX XXXX, 2015 ) I see it is on my credit report as of today. What can I do when I kept my part of the agreement and the collection agency lied and did not keep their part of the agreement.
Consumer complaint received 2020-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (FL)

During the phone call from Credit Management on XXXX I notified them that debt to XXXX  was not due and gave info from XXXX  to confirm. After another call from Credit Management, I informed them on XXXX that I did not owe the debt and gave the information from XXXX  to confirm this. On XXXX I received a bill from Credit Management attempting to collect the same debt. On XXXX I sent a certified letter to Credit Management regarding the debt they have been attempting to collect and that I did not owe the debt and requested proof that I owed the debt. Postal service verified letter was given to an individual on XXXX at Credit Management in XXXX Texas. I have received no correspondence from Credit Management. On XXXX I received phone message from Credit Management to call them to prevent legal action. That number was XXXX. The original debt came from XXXX. I have XXXX  confirmation ticket number XXXX from XXXX confirming account corrected. XXXX  apologetic account was not closed properly as I did return the equipment on XXXX, ticket # XXXX.
Consumer complaint received 2019-03-04
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (MI)

I recently applied for a car loan, when applying they found that Mortage payment has been late for the past two years, when I contacted the Mortagage they informed me I missed a payment in XXXX of 2017 but I made a double payment in XXXX to catch up..but even if that's true why am I being reported for being late on the payments for two years? The Mortage company also has my payment on the credit report being {$1300.00} and my actual pay XXXX..my Mortage was bought by this company about the same time all of this started to happening, I've been paying {$1.00} for the past year thinking im paying extra when they are reporting that I'm short every month.I was paying threw their automated system before I started paying threw my bank bill pay account and I have all of the payments I've made for the past year
Consumer complaint received 2017-10-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Perfection Collection (NY)

In XXXX of XXXX my husband and I received the first and only phone call from a company called Perfection Collection I believe may be located at XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX .... I found this address while researching the company. A man named XXXX XXXX called and left a message on our home phone which we still have the recording so this is what he said word for word, he said he was calling regarding sealed documentation that we needed to sign that day, he said he was coming to our home in one hour and that we were to answer the door and except the documents voluntarily and if he could not locate us at our address he would stop by one of our family members homes to make sure he would cover all boundaries. This is the phone number he left on our answering machine .... XXXX XXXX .... he said either we call or he would be on his way. The debt was false, years ago we had an alarm system and from what I 've learned this company somehow got our information and tried to scam us with a false debt claiming it was from our former alarm company. We never received any type of correspondence from them other than the one phone call. I did call back and was told XXXX XXXX was not available so the person I spoke to said we owed {$1200.00} telling me that although we had no longer been in a contract with the alarm company due to the 5 year contract expiring which we fulfilled the 5 year contract and this was now two years later .... that the company automatically had rolled us into a new contract .... theres no such thing which I argued. Then I called a second time after doing some research on this collection company and learned this is how they operate, its a scam, so now the second call to them I 'm told there is no such person named XXXX XXXX and this time the person hung up on me after I confronted them. We hoped that was the end. They never called us again and never at all from the beginning did we receive anything in the mail so we do n't have any documentation to submit, what they did do is put collection notices on both myself and my husbands credit reports, this time for a different amount of {$880.00} which is strongly hurting our credit.
Consumer complaint received 2021-02-04
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. (GA)

On XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  Georgia, without my consent or knowledge solicited several different financial lenders with my credit report. 

The internet manager XXXX XXXX, emailed me a application for XXXX XXXX XXXX, to apply for credit through XXXX XXXX XXXX. 

On XX/XX/2021 my credit alerts where sent to me indicating that several inquires where made for my credit report. 

That evening the sales dept. called and informed me that they found someone to do the loan. I expressed to him that I inquired about a loan only through XXXX XXXX XXXX and his reply was that he could nothing about the unauthorized inquires he made, but stated he was sorry and was only trying to get the loan. 

I feel he was trying to get himself a commission by throwing me and my credit under the bus. I NOW HAVE SEVEN INQUIRES BECAUSE OF XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-03
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: JPMORGAN CHASE & CO. (MO)

My ex husband was awarded the credit card debt in our divorce per the divorce decree MO case number XXXX. When I had access to the joint funds, I had paid these and had the accounts in good standing, but since the divorce, he has neglected to pay them, and it has dropped my credit score significantly.
Consumer complaint received 2019-05-07
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: ENCORE CAPITAL GROUP INC. (CA)

This account was not open by me and I have contacted the company and told them this was not me and the account was opened during a time when I moved and somehow someone got my personal information but I have never had a XXXX XXXX card and would like this taken off my report
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I opened a ( ( secured ) ) line of credit with XXXX XXXX XXXX in XXXX in XXXX, and a short time later experienced some financial difficulty which forced me to close the line of credit and use the secured deposit to pay the balance to XXXX. I noticed recently in XXXX that XXXX XXXX XXXX submitted an entry to the credit bureaus that I owe them XXXX. I called their credit disputes department at XXXX and the representative said that the XXXX is unpaid interest on a CD Loan. I explained to the representative that I did not take out a CD Loan I had a Secured Personal Line of Credit and because it was a secured loan and it was opened such a short period of time there is no way that I could have accrued XXXX in interest unless they kept the account open for the past 3 years and did not close the account when I filed bankruptcy. XXXX XXXX XXXX  attempted to file a claim for XXXX, but it was denied by the bankruptcy court because the held the aforementioned certificate of deposit which served the purpose of securing the line of credit and should have been used to pay off the debt under the circumstance. The representative at XXXX XXXX XXXX stated that all she sees is that I had a CD Loan. She stated she would request the original documents. I am filing this complaint, because they did send me another XXXX XXXX Customers tax document, so it is very possible that they got two different accounts mixed up and they are charging me interest and fees that are not relevant to the original financial product ( the personal secured line of credit ) that I invested in.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP (TN)

XXXX   XXXX  is associated with US Bank Mortgage. A inspection of my property was done in  XX/XX/XXXX , without my knowledge. I had a invoice mailed to Attorney  XXXX   XXXX   XXXX  's office in  XX/XX/XXXX . The year I filed bankruptcy, because my mail was being stolen. I only receive d one invoice from the Company.  It shows US Bank account number. The name  is U S Bank National Association.  This invoice is dated  XX/XX/XXXX . I nee d the invoices from US Bank.  XXXX   XXXX   XXXX  &  XXXX   XXXX  have been deleted from the bankruptcy courts. I have the original Deed of Trust for  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX   poses  as a paralegal.  XXXX  worked for the  XXXX   XX/XX/XXXX , until she stole from them.
Consumer complaint received 2017-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (OH)

As per my last discussion with XXXX, in regards to my last CFPB complaint i was advised there was nothing else that could be done on Discover 's end and i would have to address my concerns with XXXX, Therefore I spent an hour with XXXX, to be referred back to Discover in regard to this issue, as they were unable to locate any collections filed against me, nor have a process for customers to dispute the way they 're fido score is reporting with as credit card benefit. As I trust there is truly no issues with my XXXX  credit report, I am still determined there is an unresolved issue on Discover 's end with the reporting of the Fico score. I have contacted Fico in which i was instructed to have the files matched to reflect each other correctly. I tried to bring this up to their attention, I was assured there is no process in which this could be done. As i understand my last request was in regards to the APR request being declined due the " suppose '' information being reported on my credit file. I am beyond this request as not i do n't feel its fair practices as a customer to receive this benefit, however it being in accurate information. I understand Discover does n't know whats being reported and is only given the information from their third party. However I feel there should be a process for them to ensure the Fico score they are providing me is correct and they are just not taking their third party " assurance '' it correct. The last time I contacted discover, I provided them with a copy of my credit report for their review, when in reality i was turned away to received the run around for information Discover is only able to see.
Consumer complaint received 2017-10-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc. (CA)

Regarding : CMRE Financial Services Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX In XXXX, I had XXXX and received a bill from the XXXX XXXX XXXX XXXX XXXX, XXXX. I overlooked paying the bill, which was referred this service. Earlier in XXXX, I negotiated a settlement with CMRE and paid the bill in full. Since that time, I have continued to receive harnessing phone calls from them requesting payment. When I spoke live with their representative, they told me that there was a mistake and they would remove me from their system. 

I believe these calls were an attempt to get me to pay more money to them after we have already settled.
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (MA)

XXXX obtained my credit report without my prior authroization or consent. Since I already have a pre approved loan with XXXX, I informed them that I would use my approved loan instead of them financing. But XXXX XXXX pulled my credit report from EXPERIAN CREDIT BUREAU without my authorization. I also didnt provide any written or oral authorization for obtaining my credit report for auto loan financing. I also contacted XXXX and they told that they neither obtained my credit report nor applied for auto loan financing. Below are the unauthorized inquires. 

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
Consumer complaint received 2017-10-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX never received any notices, regarding being in default or Bank of America N.A. scheduling a face-to face meeting according to the mortgage agreement clause 9 ( d ), Plaintiff, Bank of America N.A. attached the mortgage to the complaint and redacted the information to conceal those facts of the FHA loan numbers. Bank of America concealed the FHA loan case XXXX. XXXX. Bank of America N.A. did not comply with Title 24 CFR Part 203 Subpart C- Servicing Responsibilities,  including, but not limited to 203.500, 203.501, 203.600 203.604, 203.605 ( a ), 203.614 and 203.616 as stated in the mortgage agreement.yet the are attempting to take my property without compliance to the Federal guidelines or the HUD provisions.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Tesla, Inc. (CA)

I have on my background check a failure to appear and also shows pending charge for receiving stolen vehicle that Im not guilty of and going to court for on XX/XX/2022 and I do not have any active warrants those were cleared up.
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I was at the counter at XXXX 's applying for a store credit card and was declined. Not only was I disappointed, but I was confused and upset I went and pulled my credit report and that's when I noticed several things on my credit that are not mine! Not sure how this could happen, but I'd like these things taken off as soon as possible. These items are STILL on my credit report : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ID Analytics, Inc. (IN)

I received a letter from SageStream LLC stating that my application for a XXXX XXXX XXXX Credit Card was not approved because " consumer associated with too many phone changes '' and " Limited history for consumer at this phone ''. It seemed fishy because I've never applied for a XXXX XXXX card and why would my phone have anything to do with a credit decision? Not to mention, I've had my landline phone for about 12 years and my cell phone for nearly 9. In order to freeze them, they require me to mail them proof of my social security number, birth certificate, and drivers license, all ideal ways to steal my identity. In addition, they state that my credit score is XXXX out of XXXX, which is drastically lower than my actual credit score. I tried to call them multiple times, but the unprofessional voice prompts would never actually connect me to a real person. So, I gave up and chose to report them here.
Consumer complaint received 2018-02-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BB&T CORPORATION (MD)

I took out a HELOC from BB & T Bank on XX/XX/XXXX and was paid off on XX/XX/XXXX. My settlement attorney returned the original recorded Deed of Trust. Maryland Land Record still shows this loan is outstanding. MD Land records office asked me to contact BB & T and get a Certificate of Satisfaction so that their lien can be removed. 

Went to BB & T Bank 's XXXX XXXX  Branch in  XXXX, MD twice to obtain a Certificate of Satisfaction, first time they issued a Letter indicating that loan has been paid off. Took it to MD Land Records office, they did not accept it as this was not a Certificate of Satisfation. Went again to the branch, spent over an hour with little success. They failed to give the Certificate of Satisfaction. 

Need your help in getting appropriate paperwork to file with the State. Thank you.