davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-30
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. (MS)

i contacted equifax in regards to some fraud accounts listed on my credit file, i sent over a request to delete the items equifax didnt remove the accounts. the accounts are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.i filed a complaint with ftc and sent over ftc id theft report
Consumer complaint received 2021-02-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XX/XX/XXXX I sent Equifax a letter regarding inaccurate items on my credit report. Over 60 days after the first letter I sent Equifax another letter Demanding their response on XX/XX/XXXX. It is Now XX/XX/XXXX Over 80 days have passed since I sent Equifax my initial dispute letter regarding these inaccurate accounts. Section 611 ( a ) states that a failure to investigate these items within 30 days of receiving disputes gives a reason to delete disputed accounts. I have not gotten a response from Equifax in over 80 days. This is unacceptable of the disregard for FCRA Section 611 ( a ). This process has been difficult for me to take my time to write up letters, and Equifax disregards the law and ignores my letters is very stressful. I demand these accounts be deleted under the FCRA due to the inaccuracies and the neglect of federal Law by Equifax.
Consumer complaint received 2020-11-13
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 am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (KS)

My representative payee is exploiting, abusing, neglecting and slandering me. He has kept me in XXXX XXXX, XXXX, hungry and cold. I can not obtain my credit report despite numerous attempts. The latest XX/XX/2019. Since he has become my payee, I now have four social security numbers, a mortgage, car payment and one agency is showing me deceased! He forced me to open another bank account in order to get MY SSDI. He refuses me any statements of where my money is going and any savings. I have XXXX XXXX as he won't pay {$9.00} dental insurance and refuses me transportation, clothing, court filings, insurance, hygiene, rehabilitation and I have been reduced to food pantries and clothing banks. XXXX has taken it's toll charges and nobody is listening. Is this how we get rid of the elderly? I am losing hope.
Consumer complaint received 2021-03-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (TN)

I've been receiving calls from Franklin Collections company for the last week - they are also showing up on my current credit report as having a negative impact due to my debt. When I tried calling them, I was forwarded to an automated service that told me I had a debt owed to XXXX XXXX XXXX for {$240.00} I thought this was odd since I haven't had internet through XXXX XXXX XXXX since 2019. I contacted XXXX XXXX XXXX via online chat and they told me I was being scammed and that I dont owe them anything. I took screenshots of the exchange with XXXX XXXX XXXX just in case. I would like to get this corrected as soon as possible though, and make sure the debt is no longer on my credit report
Consumer complaint received 2020-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

Date : XXXX RE : Ongoing Service and Erroneous Accounting / Escrow Issue, Dovenmuehle Mortgageon Read below completely and carefully. 

To whom it may concern, SEE 6 ATTACHED FILES. GOVERN YOURSELF RESPONSIBLY. LEGAL ACTION WILL FOLLOW IF NOT CORRECTED IMMEDIATELY. There is no more patience on our end and no more room for further delay on your end. You must act ASAP.

Your customer service is terrible! I have tried three consecutive days to speak with a supervisor and get hung up on while trying to transfer. In addition to the terrible service, I would like to try and straighten my account out or I will be forced to move to another mortgage company. 

If you look at the record, I have had a mortgage for the last seven years and have always paid my loan on time.

About a year and a half ago, I looked at one of my statements where it contained a forced placed policy. This policy was erroneously placed on my account because we had existing coverage and never had a lapse in coverage. 
It took us many months and over five attempts to have the escrow department take off the forced place policy. ( see 6 file attachments ) Meanwhile, I continued to make my payment on time each month. 
Unfortunately, because of the forced placed policies my account looked like we were short in excess of {$9000.00}. For many months we struggled to get the insurance escrow department to take off the force placed policy and refund us the money. 
They did remove the forced place policy in XX/XX/XXXX, but instead of refunding the money back to us or using the money to apply to any outstanding payments they refunded the money back to escrow.

In XX/XX/XXXX our bill system missed one payment that we have since sent in. 
We have paid every monthly payment that was due Amazingly, the last time I was able to speak with a customer service rep she said we were in the forbearance program and the payments were not being applied. She said, she would terminate the forbearance program.

1 ) I do not remember requesting to be in the forbearance program and would like documentation that I signed something requesting this?

2 ) The XX/XX/XXXX statement says that we have an overdue payment of {$9300.00} which we know is not correct. You are holding {$8000.00} in escrow that was returned because of the error of you force placing the policy. If you subtract the {$8000.00} from the {$9300.00} the actual shortage is {$1200.00}. This shortage number needs to be reflected on my statement. 

I just received a Mortgage notice from a new servicer XXXX that lists {$3800.00} which is incorrect. My Mortgage should be {$2200.00} I will await your response within 10 days. If I do not hear back, I will be forced to pursue legally. 
I am available to discuss any questions or concerns you may have. 
Please govern yourself accordingly.
Consumer complaint received 2017-08-09
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: EQUIFAX, INC. (IL)

My social security number was compromised in XX/XX/XXXX. I only found out when I received a phone call from a collection agency demanding a payment of {$1000.00} to XXXX. I have been going back and forth with XXXX for OVER A YEAR, submitting ALL documents they have requested, contacting all credit bureaus, etc. The credit bureaus have informed me that they have never received anything from XXXX saying that this was fraud, but I have a letter from XX/XX/XXXX, from XXXX stating that they have sent a letter to the credit bureaus and to wait 90 days for the removal. It is now XX/XX/XXXX. There is a hard inquiry on my Equifax report that was NEVER authorized ... XXXX also opened an account with my social security number, under the name XXXX XXXX, which is NOT my name. My name is XXXX XXXX. The account number is XXXX. I have sent them a notarized packet that shows my address, which was not where the orders were made, at the time, as well as my driver 's license, a copy of my ss card ( with the numbers except the last 4 blacked out ) a FTC report, and their own packet that they 've requested. I 've also sent them a copy of my credit report where it shows that hard inquiry still exists. I even filed a police report, and gave the police officer the name, address and phone number of the suspected person, and even HE did n't care to do anything. This has been going on for OVER A YEAR. If this does not get cleared up within the 15 days that CFPB says to allow, I will be contacting their legal department.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX, I was rejected a credit card application due to SSN fraud alert that I couldn't resolve due to covid issues at the time. 
On XX/XX/XXXX, a new job couldn't run background check completely due to a fraud alert " Input SSN likely not issued prior to XX/XX/XXXX '' so I was held behind in the process for XXXX weeks and the background check came out inconclusive regarding my SSN although i provided the job my copy of SSN and was able to work but it was a hazzle. 
On XX/XX/XXXX, I was denied a lease agreement due to credit report coming out as High Risk, not trusful. I was required to get a cosigner when I don't have anyone to help me with that so in order to be able to rent I had to pay more and my credit score was useless after all these years of working to improve my credit. When I needed to use it, it created me more issues. All of this is preventing me to have access to regular services and leasing. 
On XX/XX/XXXX. I applied for Internet services with XXXX. They holded my credit again and told me because my social is not correct. I told them my numbe and XXXX said it was weird that XXXX would set a high risk alert since my information was correct, but for procedures they would still need copies of all my information and ssn.

I need this High Rish fraud alert to dissapear. It is preventing me from having services and a normal life. The covid situation is already difficult and this is too much. First of all. I didnt commit any fraud. Secondly, as an inmigrant there is obviously a reason why the social wasn't issued before XXXX, so it shouldn't create an alert of high risk. I need to move on with my life. I need things to work, I deserve that since I worked so hard to keep my score clear so when I need it, I would get services available.
Consumer complaint received 2023-01-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (FL)

Over a year ago I got a loan for a hearing aids with XXXX XXXX with the addendum stating if I pay in a year will be no interest. I authorized XXXX to withdraw more money monthly to pay off before the year was over however I noticed that this company were withdrawn {$2.00} to {$4.00} daily which was not the agreement, I was getting worry about this XXXX XXXX  and XX/XX/XXXX I paid it off, I have a print out prooven my statement. I called XXXX XXXX several times to be sure everything was ok. The company closed my account after I paid off the debt. Last night I saw my account with this company open again and demanding more money to be pay in XX/XX/XXXX. 
Looking at XXXX 's reviews for this XXXXXXXX XXXX Hearing XXXX I saw just terrible reviews with the same issues as mine. How a company like this is open screwing everyone? Please help I am not rich I am a health employee helping people all the time and I can't give my working money away.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2020-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

Hello, My loan was tansferred to Shellpoint Mortage in XXXX of XXXX from XXXX XXXX. The mortage company did not pay my property taxes until XXXX of XXXX and the additional escrow funds in the amount of {$3800.00} seem to have disappeareed between the two lenders. Spellpoint Mortgage sent my home owners insurance payment to XXXX for the entire year. The policy premium was {$4800.00} The payment caused my morgage to inctease by {$300.00} dollars because of the negative escrow balance. In XXXX of XXXX, I called Shellpoint Mortgage to ask what needed to be done to pay my insurance directly to XXXX independently. I was told to write a letter requesting my changes. I wrote the letter and started the direct drafts for my checking account to XXXX. However, when the policy renewed, Shellpoint Mortgage ontined to send payments to XXXX in XXXX of XXXX they sent a check for {$4800.00} which exceeded the amount if my premium. XXXX returned the check and they stated they did not receive the entire amount. On XXXX XXXX, my attorney send a letter to Shellpoint reitterating the things spoken by me. However, Shellpoint sent another check to XXXX on XX/XX/XXXX in the amount of {$3500.00}. Thi casue XXXX to refund payments that we individually dfated from my account to be refunded to me. I had to go through the same procedure of calling both Shellpoint and XXXX to request XXXX refund the check to Shellpoint and reverse the personal paymentsmadae to my premium. 

I am truly frustrated with Shellpoint Mortgage and would hope that something could be done to force them to treat me as a valued customer, omplete and escrow analysis, and remove my homeowners insurance premium and PMI off the escrow account as soon as possible. 

Your attention and promptness to this matter would be grately appreciated. In a time of COVID-19, I am definiitely ocusing on maintaining without additional stress added to inpact me and my family. 

Best regards
Consumer complaint received 2017-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK (OH)

The problem is with discover card. I actually already have an account with them this complaint is about obtaining a credit limit increase. I started with a secured card with a XXXX $ limit in XXXX. Since opening the account my XXXX has increased to XXXX according to their own site, I have not missed a payment with them or anyone else and have been considered credit worthy enough for other banks too give me XXXX limits. I have called them several times to try to get a credit limit increase and the just say the system automatically reviews it. I consider calling them an application for credit, they take adverse action against me by denying me additional credit, but give me no reason as to why, in fact they do n't even consider my request. Is this not a regulation B violation?
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Explain, in detail, your math involving my Travel Rewards Credit Card! I am in receipt of 2 letters stating {$93.00} due me on 1 and no number on # 2. 
Your lack of getting a managerial response is pitiful and anti-consumer is being overly generous. this is a two-minute problem from an intelligent manager!!!! 
Get me one!!!!
Consumer complaint received 2020-09-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

My husband and I took a payment deferral from our Wells Fargo mortgage for 6 months under the CARES ACT which ended this XXXX and payments to be resumed in XXXX. We applied for a refinance in XXXX with a different company and was told we needed to have the loan modified and be out of forbearance before proceeding. I called to request this from Wells Fargo on XX/XX/2020 but was told we needed to make 3 payments before loan modification could be requested but that we could pay them all 3 in  full and it could be done sooner and she would send papers which we never got. I then decided to call on XX/XX/2020 to speak with a supervisor who told me that we needed to make the 3 payments on time and they can not be all at once and then we can request a loan modification in XXXX. She said these were the VA requirements not theirs. I then called XX/XX/2020 and asked if we could resume payments early, in XXXX to have the 3 months starting earlier as I was now able to resume payments but was told that the payment would go to XXXX. I then filed a case with Executive Offices and requested these VA requirements be written and sent via e-mail as I have been told by someone with great experience with mortgages and with Wells Fargo practices, that these requirements should be given to me in writing and that they believe Wells Fargo is giving me false information. I would like Wells Fargo practices to be investigated in this matter.
Consumer complaint received 2020-05-08
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. (NY)

received a BUSINESS CREDIT CARD from XXXX XXXX ( accont # XXXX ... .. ). card is used for corporate expenses only!!! experian has put this card on my CONSUMER REPORT ( THIS IS NOT ABOUT ANY DELINQUENT PAYMENTS OR ANYTHING NEGATIVE!! ) i used this card to pay off a bill with my printer and it raised my balance to over 23 % usage on my consumer report!! this has dropped my credit score almost 50 points!! 
this card does not belong on my consumer report. again, it is a business account!!! 

XXXX has already deleted this from my account. waiting to hear from XXXX!!! experian needs to do the right thing!! 

thank you
Consumer complaint received 2022-10-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IL)

On XX/XX/2022 I received an email from XXXX XXXX identifying himself as a debt collector stating that he was collecting on behalf of LVNV Funding LLC from original creditor XXXX XXXX  I received approximately 18 emails regarding the collection of XXXX XXXX XXXX # XXXX and every email XXXX XXXX  informed that my aledged account was red flagged from an outstanding debt totaling {$4100.00}. This account XXXX XXXX  was discharged and reported to the internal revenue service as an XXXX After receiving the collection emails without my authorization an consent I submitted a request fro validation under the fair ebt Collect FDCPA & FCRA Until this day they are continuing to report unverified information on my consumer file, XXXX XXXX also failed to validate the debt as required by federal law and under the new fair credit practices guides lines that are currently being implementation by the consumer fair credit beurer. I am requesting that the CFPB conduct an ivestigation into the unlawful collection practices and negative reporting agencies.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX is reporting to all three credit reporting agencies experian,XX/XX/XXXX, XXXX XXXX, A corporate account, that I did not personally guarantee, on my personal credit report. I have sent dozens of disputes and requests to remove the derogatory information off my report to no avail. 
My attorney sent a 609 letter on XXXX XXXX requesting all agencies to produce all documents including signature pages as proof of accuracy and none of the agencies have sent him anything and they still have not removed the account from my credit report. 
There is now litigation involved to prove this is not a personal account. 
Also, This account is reported as a charged off account, yet they have a law suit against me and my business, and a third party collection company Continues to call me trying to collect on this account as XXXX XXXX
Consumer complaint received 2017-08-09
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: ALLY FINANCIAL INC. (GA)

From the month of XXXX, I have been contacting Ally financial to pay the minimum monthly payment and I have n't been able to. Ally financial, has blocked me from making online payment, XXXX XXXX and XXXX XXXX. I went on XXXX, to XXXX to make payment to Ally financial via XXXX XXXX and on the screen the customer service representative said that she had never seen a message across the screen instructing me to call into Ally because there was a block on it. Moments later, I called into ally 20 times to be exact to correct the problem, and they stated they received a fraudulent check from me. I do n't even have checks and have always used online banking, ( which I 'm blocked from as well ) but the rude customer service rep in the fraud department stated that their was a check but it the check was n't written by me at all. Ally Financial has blocked me from all ways of making a payment, and I have lates on my credit from it ... Ally financial is also aware of my difficulties of making payments because they blocked me from all forms of making payments.
Consumer complaint received 2017-08-09
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: EQUIFAX, INC. (LA)

XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX i spoke to someone 3 different times & i was told prior to the XX/XX/XXXX call they certain inquires would be removed & i called back today to see why they were still there & someone told me that they were never disputed like i was told it 's hard for me to get credit because of theses & i did n't appreciate getting lied to -equifax
Consumer complaint received 2022-04-05
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. (PA)

XXXX XXXX  Accounts opened in the amounts of : {$690.00} XXXX XXXX Accounts opened in the amounts of : {$880.00}. 
This letter is being sent to you in response to notices seen on credit report and more importantly, due to your erroneous reporting. Its has highly made a negative impact my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.