davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Gitsit Solutions, LLC. (NY)

Kondaur Capital Corporation is using faulty information in the servicing of this mortgage loan. 

Kondaur Capital Corporation has failed to deliver required foreclosure protections. 

Kondaur Capital Corporation has failed to respond properly to a Notice of Error and request for information. 

Kondaur Capital Corporation has failed to properly acknowledge and investigate my complaint Kondaur Capital Corporation has failed to correct the Error. 

Kondaur Capital Corporation is engaging in Dual tracking,
Consumer complaint received 2020-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My identity was acquired to open unauthorized accounts. I disputed the accounts from my credit report and still have not recieved a response from any of the 3 credit bureaus in over 60 Days. I also paid off my automobile with XXXX XXXX over a year ago, also something that is still on my credit report.
Consumer complaint received 2018-03-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (NC)

XXXX XXXX XXXX has constantly sent letters in the mail and harrass me about refinancing my VA Home Loan with them for cash in my bank account after I called their company on numerous occasions that I am not interested in their service. 

I do not want this company contacting me through the mail or phone calls anymore. They are to remove my address and number from their solicitation list and leave me the XXXX alone.
Consumer complaint received 2018-11-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/18 I had a transaction post on my chase account for {$33.00} immediately after I was hit with an overdraft fee charge of {$34.00}. The next day I went to the atm to withdraw money and rectify the negative account. While checking my chase account online I noticed that a number of overdraft fee had hit my account. The last time I checked the account was nearly - {$110.00} negative. Now, one business day later the account was negative for nearly - {$330.00}. There was 6 charges for {$34.00} in just overdraft fees. I called chase on XXXX, to ask them to remove all 6 overdraft fees and I would pay for the amount that I actually owed. Instead XXXX told me the could only refund me {$52.00}. that leaves me to pay nearly {$280.00}. That means I was forced to pay {$160.00} in overdraft fees. This is unfair, the reason to why the could refund the full amount in overdraft fees is ridiculous.
Consumer complaint received 2018-03-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc. (MD)

Meridian Financial Services Inc refuses to issue out to me legal documents.So I can verify the debt and my signature.I am requesting a deed and legal documents pertaining to the acct # XXXX.I have spoke to a XXXX XXXX XXXX.The Account Mgr for this account.All they keep telling me is that they sent it out the infoI haven't received any info on the account.I am requesting that this account be removed from all 3 credit reports.I am requesting that this be sent back to the resort for fraud investigation.This isn't my time share.There is my debt.This is a grave violation of FDPA and the FCRA.Meridian is not trying to help me.
Consumer complaint received 2019-08-23
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. (MD)

Hello my name is XXXX XXXX XXXX. I filed a compliant with XXXX XXXX on XXXX, and they responded be XXXX case number XXXX stating that it was going to be remove off my credit however, in the context it stated my sister name which is XXXX XXXX XXXX. this have been a lot of confusion on my credit due to creditors are getting us mixed up with name, and social security number. I never had an account with XXXX XXXX. Social Security number is XXXX. I am requesting that this information be correctly, and remove off my credit report as XXXX XXXX XXXX
Consumer complaint received 2022-05-03
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. (NV)

Credit reporting agencies are reporting wrong personal informations to lenders. 
I need all wrong personal information that are not min to be removed now. 
I have been a victim of fraud and identity theft and I want only my true information to be reported.
Consumer complaint received 2020-10-22
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: EQUIFAX, INC. (OH)

Complaint on Equifax Credit Bureau I am in the middle of refinancing my home mortgage and always I have trouble unfreezing my credit file with Equifax. 
They don't have enough people to help the customers, very difficult to get hold of real person to talk to and get help, very arrogant customer care people, unfriendly to customers, their phone systems are very bad at recognizing the human voice and also differentiating human voice and background noise. 


Problem : Tried logging in to their online account https : //my.equifax.com/membercenter/ XXXX XXXX  to lift my security freeze temporarily, but their system not letting me login. Contacted them over the phone and talked to the agent. Sent all the docs requested to resolve the issue. On XX/XX/2020 received the email that the issue has been fixed. When I tried to login today XX/XX/2020 still same issue. 
Tried again calling the customer service and prompted to answer few questions to verify my identity but their phone system is so bad that it's taking little background noises as my answers and rejected to continue my call. After lot of trouble I could hold of real person to talk to and explained my issue. Again they requested to send the docs and refused to unfreeze my credit file temporarily inspite of telling them that I could answer any question to verify my identity but they refused to do so because the phone system did already and I failed it seems. I really don't understand phone system ( which is already bad ) or real humans doing verification is reliable. They are relying on the phone system which is faulty, bad and not reliable. They don't even have email system to send my documents to verify my identity and instead asked me to send the documents physically which is actually more insecure way to send them. ( could lost in the transit, could land in wrong people etc ). 

Bottom line is Equifax is the company to keep customers in trouble, cause pain and frustration. They don't have any inclination to help the issue and resolve them honestly. 
I really don't understand how could this company is approved to operate having so many customers lives in their hands. They can't even resolve any technical online login issues of customers immediately and put them under so much pain and frustration.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Credit reporting agencies are reporting wrong personal informations to lenders. 
I need all wrong personal information that are not min to be removed now. 
I have been a victim of fraud and identity theft and I want only my true information to be reported.
Consumer complaint received 2018-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (FL)

Arvest Central Mortgage This company continues to pay for funds out of my Escrow, without my permission. 

XX/XX/XXXX - Called to let them I was switching insurance companies from XXXX XXXX XXXX to XXXX. Had my new agent from XXXX even call to validate the switch. See attached email verification. I called XXXX who told verified the policy would not activate as long as they did not receive payment for renewal. Thought Okay I have communicated this switch with my mortgage company, all should be good. Even signed a form for the mortgage company verifying which insurance XXXX is correct. See attached. So, they still paid XXXX AND XXXX. So, two insurance payments our of my Escrow. 

XXXX basically a complete re run of XXXX. They received information from XXXX XXXX and XXXX. We, husband and I, called again around end of XXXX XX/XX/XXXX and asked them to verify what insurance company they had on file, they assured us it was XXXX. And, guess what, they still paid XXXX ... AND XXXX. Even though they have a signed, acknowledgment from me verifying the correct is XXXX. 

This is their mistake and they cant stop making it. Called just last night, they say there is nothing they can do even though they are the ones who issued the money out of my account without my permission. These errors are causing financial unnecessary hardship caused solely by this company incompetence. 

When we ask WHAT CAN DO WE DO TO STOP IN THIS FUTURE? They say, we'll make a note that you only want us to Pay XXXX. 

Why would I want you to pay 2 insurance companies? Stop issuing payments out of peoples accounts.
Consumer complaint received 2022-05-03
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. (MA)

Important note Account name XXXX DEPT OF XXXX Account number XXXX .... 
Recent balance {$41000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX late. 
I disputed this account with Experian. I believe that it is identity theft because I do not recognize this loan on my name. It is being reported as paid every month, but I do not even know what this is. I've submitted another dispute with Experian right now through the experian.com/viewreport website. I don't pay this every month, so I don't know what it is being reported as something that is paid by me every month.
Consumer complaint received 2020-10-22
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. (CT)

I have been working on increasing my credit score for years. Ive been continuously applying for student loans, but not getting approved. I could never understand why, until I applied for a private loan from a bank. They sent me a letter explaining their reasoning of denying me ; but once I saw the credit score they stated was my credit score. it was significantly incorrect, and this information was distributed by Equifax. So I decided to make an Equifax account to investigate this score. Once I accessed the account I saw over 5 different accounts that did not belong to me. They belonged to my brother, who is significantly older than me but we have similar names. 

I continuously contacted the company for hours and days with no positive result. I need this fixed to be able to apply for my student loans and pay for my education.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (TX)

Upon reviewing my credit file, incorrect information were found in my reports. The Experian and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX ) XXXX Balance {$670.00}. ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1800.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$190.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$700.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$4400.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1300.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX ASSOCIATES XXXX ) XXXX Balance {$57.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance {$340.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$500.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$950.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$340.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$500.00} ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX
Consumer complaint received 2018-11-02
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. (FL)

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove UNKNOWN XXXX, UNKNOWN XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  , XXXX XXXX XXXX
Consumer complaint received 2018-03-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (NC)

I was on XXXX while unemployed and XXXX   when I was ordered by my doctor to get some XXXX   XXXX under XXXX. I noticed i was getting billed for the XXXX XXXX thinking XXXX was a little late processing the billing. Months later Franklin Collection was on my credit for over {$570.00} for an unpaid bill. I tried to dispute it and provided copies of emails showing I had XXXX at the time along with a statement from the billing manager at my doctors office ( XXXX XXXX ) stating they may have billed in error. So in other words I/ my credit has to suffer for someone else 's mistake. I'm highly upset.
Consumer complaint received 2018-11-02
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. (FL)

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-22
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: Experian Information Solutions Inc. (CA)

In XX/XX/2020 I applied for a goverment business loan but was denied do to my credit score. soon afterward I pulled my credit report there I notice numerous fraudulent accounts open in my name. I immediately contacted the diffrent crediors as well as my local police department. As of today I haven't had any of those fraudulent accounts, Names nor Address remover from none of the three credit bueraus Experian, XXXX  and XXXX.
Consumer complaint received 2018-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have gone through all three credit reporting companies : XXXX, TransUnion and XXXX. I have disputed all NON ACCOUNT HOLDING HARD INQURIES. Their response to me is " in the state of Michigan we do not have to investigate or remove them if you tell them they are not authorized ... '' I asked them if they have proof of my signature on file within their building and they just blow me off. They told me " I have have to contact each and every company on my own ... '' And so I have. Attached you will see all companies and correspondence if I have heard back from them. Still, with NO PROOF OF SIGNATURE STATING I REQUESTED CREDIT FROM THEM WITH MY HAND WRITTEN SIGNATURE-anyone can sign on to a computer and say they are me-THEY REFUSE TO DELETE THEIR INQUIRY '' XXXX XXXX has been the WORSE! I don't hold an account with them. I would never inquire to have an account with them and still they insist they do not have to remove my inquiry. 

I want all inquiries NON ACCOUNT HOLDING removed or I want XXXX per offense for defamation of character and for breaking the law.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate employment
Consumer complaint received 2018-11-02
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. (MO)

The following accounts do not belong to me, and in accordance to the FCRA if consumer is not provided with physical documentation then them accounts should be removed. The following accounts are, 1 ) XXXX XXXX XXXX {$740.00}, ( 2 ) XXXX XXXX XXXX  {$190.00}, {$140.00}
Consumer complaint received 2018-07-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Resolution Group, LLC (WA)

I have recently started to receive calls from a company representing themselves as the XXXX  XXXX. They are blocking the number they are calling from and using a fake number of XXXX, which the XXXX prefix is not a legit XXXX, WA or XXXX county number set. In the pre-recorded voicemail they are advising that they are trying to contact me about a legal matter and I have not returned their calls. They leave a call back number of XXXX upon looking up this number I am directed to the website www.globalrg.com, which is a debt collection agency, based out of New York state. 

Upon researching the company they are not licensed in the State of Washington where I reside. Nor are they licensed in any of the states I have lived in previously over the last decade. In the state of Washington per XXXX XXXX to collect a debt in the state of WA you must be license and bonded with the state, which this company is not. I do not feel as though this is a legit debt owed as I have not received any documentation via US Mail from this company.
Consumer complaint received 2018-07-31
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. (CA)

EXPERIAN will not permit the following accounts to be disputed online.They are automatically rejected for any reason whatsoever including " acct. closed '' or " too old to be on file '' .WHEN speaking to XXXX. IN XXXX, TEXAS the employees are disrespectful, can not find documents that have been presented to the CFPB against Experian and seem limited in their ability to help me because I have not sued them in civil court yet and therefor I'm not assigned there..When calling EXPERIAN regular customer service the employees are so stupid they do not understand their own business jargon that is included in this complaint. 
The following accounts have DOFD 's that are not accurate ; inaccurate according the the FCRA definition of DOFD.They qualify for early exclusion.They are XXXX XXXX XXXX, XXXX coll. in amt of {$1500.00}, XXXX XXXX  XXXX XXXX. in the amt. of {$620.00}, XXXX XXXX XXXX XXXX, XXXX. IN THE AMT OF {$1100.00}, and finally XXXX XXXX XXXX in the amt of {$1300.00}. 

XXXX XXXX XXXX XXXX, XXXX is an account whose DOFD has been illegally re-aged by 4.5 months and although Experian possess proof to that fact they refuse to act on the proof they possess including certified court documents that would cause a financial loss for Experian and their subscriber should the documents be judicially noticed evidence in the possible future case. Will Experian continue to be ignorant and stubborn, not sending this to their legal dept who would agree with me upon 5 minutes of observation of the evidence submitted numerous times to Experian in recent months? 
XXXX XXXX XXXX XXXX 's original creditor tried to settle for {$100.00} but the fact was that the settlement was required to be XXXX dollars by the CALIFORNIA IMPLIED WARRANTY LAWS. 
XXXX XXXX, XXXX, A COLLECTOR AGENT for XXXX XXXX whose debt was previously deleted by Experian appears under the guise of a different account ... they raised the debt amt. by XXXX dollar to look as if their account had no relationship to the previous deleted XXXX XXXX account deleted in recent months earlier than XXXX 's appearance on the file.
Consumer complaint received 2018-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (FL)

I opened a credit card with Wells Fargo 8 months ago. This credit card offers zero percent for 15 months. I received a credit limit of {$7000.00} and I have used {$4600.00} of it. I have never been late. I have only been making my minimum payments because it is a zero percent credit card and I was not in a hurry to pay it off. I was focusing on other debt which does charge interest. Wells Fargo Lowered my credit line to {$4800.00} because I was only paying my minimum payment. I feel like this is very unfair because I have never been late and their decision to lower my credit will impact my FICO score negatively. I feel that they are judging me because I am a XXXX and automatically assume that I will be most likely to default and thats why they reduced my credit limit. I have banked with them for over twenty years and they see my transactions and my activity. There was no reason for them have lowered my credit limit.