davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

In XX/XX/2005 I was sold 2 fraudulent mortgages by a Bank of America Mortgage Broker XXXX XXXX XXXX. The primary loan was in the amount of {>= $1,000,000}. The HELOC was in the amount of {$250000.00}. I was told by XXXX XXXX that my loan was considered at that time a jumbo loan and that the type of loan he was providing me was the only type of loan offered. At that time, I had no reason not to believe XXXX because he had sold me a conventional loan of $ XXXX for a property I was selling. XXXX told me that my payment would be {$5000.00} a month, the exact amount of my net pay and that I would have to live off of my husbands income. I agreed feeling I had no choice. In addition, the appraiser that for the property I was purchasing was sent to me by XXXX XXXX XXXX citing this was his friend and he was doing many appraisals for him. This appraiser was subsequently prosecuted and incarcerated in Connecticut for Fraud for over inflating the values of homes. Subsequently, about a month after I closed, I received my first mortgage bill. However, the bill did not read {$5000.00}. The bill gave me a choice of payments amounts, either {$20000.00} a month, {$15000.00} a month, {$10000.00} a month or {$5000.00} a month. I immediately called XXXX and he said Dont worry XXXX, as we discussed, you are to pay the {$5000.00} a month. What ensued was the face amount of my note increasing each month until it ballooned up to nearly {>= $1,000,000}. When President Obama came into office, he deemed these notes to be FRAUDULENT and ordered the Bank of America to rewrite my loan. The Bank of America, rewrote the loan to nearly double the payment amount to over {$9000.00} a month. My home is now in Foreclosure because of what XXXX XXXX XXXX and the Bank of America did to me. I am a mother to XXXX young children and will be without my home. Bank of America according to the State of CT. Department of Banking , sponsored XXXX XXXX XXXX NMLS License to be a Mortgage Broker. XXXX XXXX to this day continues to work under this license.
Consumer complaint received 2017-07-09
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: EQUIFAX, INC. (OH)

The burden of proof is on Equifax, XXXX, and XXXX not the consumer. I am tired of this cat and mouse game with these CRA 's. I have sent a METHOD OF VERIFICATION letter to Equifax, XXXX, and XXXX did not verify the two collection accounts on my credit. XXXX XXXX and XXXX XXXX are not my accounts they are fraudulent accounts/not mine. Equifax, XXXX, and XXXX are not allowed to tell me you will not reinvestigate a dispute according to FCRA 611 ( a ) ( 7 ). I sent a method of verification to Equifax, XXXX, and XXXX and I sent a validation letter to the collection agencies. Neither collection agency validated the accounts so therefore I know for a fact you did not verify these accounts. You also reinserted the accounts without verifying nor validating and that 's against the law. I have not given any third party collection agency permission to share any information if the accounts were valid. I will be sending a certified letter to the CEO of all CRA 's concerning this ongoing problem and I will be starting legal action against Equifax, XXXX and XXXX. XXXX is not a valid form of verification. These accounts do not belong to me and I want them removed immediately.
Consumer complaint received 2021-05-23
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. (PA)

I contacted XXXX  and Experian regarding the reporting of information in which i did not give my consent. 

According to 15 USC 1681b - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


On XX/XX/2021 I contacted both companies via a written dispute demanding that they remove the account from my consumer report as it is a violation of my consumer rights and I never gave XXXX or Experian any written consent to report the account to my credit report. I never received a response from either company or deletion of this account from my consumer report. 

Account Listed XXXX. Account # XXXX According to federal law the FCRA states that these consumer reporting agencies have 30 days to respond and failure in doing so they must immediately delete the disputed item from the consumers report. Failure to do so is a violation under Federal Law.
Consumer complaint received 2018-04-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc. (WI)

On XX/XX/XXXX, I made a request from State Collection Service, Inc to receive a statement with the total that I owed on all and any open accounts. In response to my request, the company sent me information for one " agency. '' I asked for clarification on if this is all that was owed and since my records indicated that about {$200.00} more was owed at the time. I was informed by the employee that this is all that was owed within State Collection Service , Inc. About a week later I requested a follow up to ensure I was receiving payoff receipts that indicated I owed nothing else. I was then informed that I owed and additional XXXX that was withheld from me at this time. The company has taken these off of credit reporting and has since denied any fault of their own and will not expunge the amount even though they had originally withheld the information from me and I was unaware.
Consumer complaint received 2017-11-13
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. (OH)

I have submitted several complaints to all three credit bureaus, the CFPB, the BBB of Michigan and the original creditor in regards to an ongoing dispute. Please see complaint below : I originally purchased a vehicle for a 12-month lease on XXXX. Once the 12-month lease was up, I had the option to either turn the vehicle in and they will bill me the disposition fee or take it out of my original down payment of {$900.00}, or if I still needed the vehicle, I would have to put down another down payment for an additional 12 months. I opted to return the vehicle, which I was informed by the account rep that I had until XXXX to return the car without any additional fees being added. The account rep also informed me that if there was any damage or additional fees XXXX disposition fee ) that it would be taken out of my initial down payment or I would be billed for whatever amount remained. 
When I returned the vehicle on or about XXXX ( I had purchased another vehicle several days prior ) I was also informed at the dealership upon returning, that if there were any additional fees that were not covered by my initial down payment that I would be billed. 
1 year later, I checked my credit report and the finance company,  XXXX XXXX XXXX has recorded a charge off amount of XXXX XXXXwith a monthly payment of {$78.00} on my on all three credit files ( XXXX , XXXX , XXXX ). 
My agreement was for 12 months with the option to lease again at the end of my 12 months and a monthly payment of {$150.00}. As of XXXX/XXXX/XXXX, this company was paid a total of {$7000.00} from XXXX to XXXX. This vehicle was returned on time with no additional monies owed. In addition, per the lease agreement ( see attached ), the total payments paid at the end of the lease was to be {$4800.00}. Therefore, this lease agreement has been paid in full per the documentation provided. 
Furthermore, I contacted the company in XXXX XXXX to ask for my credit report to be adjusted from the amount owed/charged off amount of {$6300.00} to be corrected. The account manager then informed me that the amount that is seen is what was financed and not owed. At this point the finance company is refusing to correct their issue. I am requesting VALIDATION of this account. This means that the creditor is to send me a complete payment history to show that a payment is actually owed. 
I have sent complaints to all three credit bureaus, the Consumer Financial Protection Bureau, and the creditor with on success. Please look into this matter and verify the account as being falsely reported. 

In addition, I have only received handwritten/typed account information stating what is owed. This is not proper VALIDATION, as this information can be from any one of their current or previous customer 's information. XXXX XXXX as also sent back dated emails with previous amount owed. See all attached documents. 
Thanks, XXXX XXXX XXXX
Consumer complaint received 2019-11-07
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: EQUIFAX, INC. (NJ)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THOSE ACCOUNTS HAVE BEEN INACCURATELY PLACED ON MY REPORT AND HAS CAUSED TREMENDOUS HARM TO MY CREDIT REPORT. PLEASE INVESTIGATE THOSE DEROGATORY ACCOUNTS AND HAVE THME OFF MY CREDIT AS SOON AS POSSIBLE. I AM DISTRESSED BECAUSE I HAVE NO IDEA WHO WOULD HAVE HAD ACCESS TO MY PERSONAL INFORMATION, PLEASE DO WHAT YOU CAN AND HAVE THESE OFF MY REPORT. KEEP IN MIND THAT I DID NOT AUTHORIZED THESE TRANSACTIONS.
Consumer complaint received 2019-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THOSE ACCOUNTS HAVE BEEN INACCURATELY PLACED ON MY REPORT AND HAS CAUSED TREMENDOUS HARM TO MY CREDIT REPORT. PLEASE INVESTIGATE THOSE DEROGATORY ACCOUNTS AND HAVE THME OFF MY CREDIT AS SOON AS POSSIBLE. I AM DISTRESSED BECAUSE I HAVE NO IDEA WHO WOULD HAVE HAD ACCESS TO MY PERSONAL INFORMATION, PLEASE DO WHAT YOU CAN AND HAVE THESE OFF MY REPORT. KEEP IN MIND THAT I DID NOT AUTHORIZED THESE TRANSACTIONS.
Consumer complaint received 2017-09-14
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: EQUIFAX, INC. (IN)

equifax, afraid my information was STOLEN and i ', m afraid to even use there site as i do n't feel secure it is safe to do so i think they should be made to help people affected and then GO TO JAIL!!!
Consumer complaint received 2019-02-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (FL)

Commonwealth finance posted debt on my credit report from a XXXX that in 2011. I did not receive a letter or documentation that i could make payments on this debt before in was placed on my credit. When I tried to dispute the debt through the credit bureau they posted another account on my credit report. 

The company is also not licensed to collect debt in the state of Florida
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-17
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. (PA)

On XX/XX/XXXX I sent Equifax a certified letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded by mail stating XXXX had verified this information for them but failed to add a verification date to their report as required by the FCRA. I then went directly to XXXX to dispute this item. They could not verify this item so they deleted it from their data base and my credit file. I then sent XXXX ( please see attachments ) another certified letter on XX/XX/XXXX which they received around XX/XX/XXXX XXXX showing them proof that XXXX XXXX their identified source, ( see attached documents ) had removed the unverified bankruptcy from my report and informing them that if they could not truthfully and thoroughly verify the alleged bankruptcy, then by law it must be removed from my credit report according to the FCRA XXXX On XX/XX/XXXX I received a letter from Equifax ( please see attachment ) still insisting XXXX was the source of their verification even though I had shown them proof XXXX invalidated their information. Furthermore, once again their alleged reinvestigation DOES NOT show a verification date because they DID NOT do a thorough reinvestigation - another clear violation of the FCRA. 
This unverified item needs to be removed from my credit report immediately as it is illegally reporting and causing me financial hardship and impeding my ability to purchase a home.
Consumer complaint received 2020-10-13
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: JPMORGAN CHASE & CO. (NY)

Hello, I was an authorized user on a relative chase credit card and had asked to be permanently removed from my credit report which they agreed and also have that address removed from my report as I am no longer staying there. For some reason it is still showing up. Just looking to have this corrected and moved from all credit reporting company 's as promised
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

Equifax is preventing me from removing a security freeze from my credit report by any method bu t US mail. Aside from taking many days for US mail to work I am extremely worried about putting all of my personal information into just a ty ped piece of paper that would make it very easy to steal my identity. Both  XXXX  and  XXXX  make it simple to remove the freeze online or by telephone but Equifax is making it very difficult to deal with my security freeze. I have no choice on which bureau credit checks go through therefore I 'm at the mercy of Equifax. I feel as if I 'm being punished for using a credit freeze with Equifax.
Consumer complaint received 2019-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN EXPRESS COMPANY (TX)

AMERICAN EXPRESS CALLS MY HOME EVERYDAY AND NIGHT AND WEEKENDS DAILY ABOUT MY DAUGHTER DEBT THAT WAS IS IN BANKRUPTCY SINCE SHE FILED XX/XX/XXXX THEY GOT ORDER FROM HER LAWYER AND JUDGE NOT TO CONTACT US BY PHONE OR CALLS WHICH THEY DONT CARE THEY CALL MY HUSBAND CELL MY CELL MY HOME AND ETC AS I SAID IM SENIOR XXXX MY HUBBY XXXX AND WE DIDNOT MAKE THOSE CHARGES MY DAUGHTER DID WHICH SHE TOLD HER LAWYER THIS WE ARE LISTED AS CO DEBTORS BECAUSE WE HAVE HAD AMERICAN EPRESS PLATINUM CARD SINCEXX/XX/XXXX SHE HAD EVERYDAY CARD WHICH WAS IN HER NAME AND SS CLEARLER SHE MADE CHARGES AND PAID UNTIL SHE WAS UNABLE DUE BANKRUPTCY AMERICANEXPRESS IS GETTING OUT PAYMENT ON TIME EVERY MONTH AND MORE THAN WHAT IS DUE HOWEVER THEY ARE PITTING ME AGAINST MY HUSBAND BY TELLING HIM THEY WILL HAVE ME ARRESTED FOR ADDING MY DAUGHTER WHICH THEY HAD NO PROBLEM ALLOWING HER TO CHARGE AND MAKE PAYMENTS UNTIL THEY GOT HER COURT ORDER AND THE CALLS ARE NONE STOP DAILY SINCE XX/XX/XXXX I HAVE XXXX BAL ON MY ACCOUNT AND MY HUSBAND OWES BUT MAKES LARGE PAYMENTS SUCH AS XXXX FOR A XXXX PAYMENT BUT THEY STILL HARREST ME ON A DAILY BASICS MY DAUGHTER ACCOUNT IS UNDER HER NAME XXXX XXXX THEY CLEARLY SEE HER SS NAME AND CHARGES NOT BY ME OR MY HUSBAND HOWEVER THEY ARE TRYING TO SAY ITS MY HUSBAND RESPONSIBILITY I HAVE TO TAKE MORE MEDS THAN IM ON DEALING WITH ALL THIS CLEARLY THEY GOT HER BILL WRITTEN OFF AND NOW WANTS MY HUSBAND TO PAY NO WAY WE PAY OUR BILL FOR SURE BUT AS FAR AS MY DAUGHTERS NO SHE IS AN ADULT OF XXXX AND SHE TOOK CARE OF HER BILL BEST WAY SHE COULD PLEASE CAN YOU ALL HELP US GET THIS RESOLVED.
Consumer complaint received 2021-07-01
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: Medical Data Systems, Inc. (GA)

I have contacted Medical Data Systems about my debt and the information they are not supposed to have. They have personal detailed billing of when I was at the hospital. They are not supposed to have all of that information. That is a HIPPA violation. I have filed a dispute with the XXXX  and XXXX. Neither one have resolved my problem. I have proof of what they can see because they sent the information to me. They are only supposed to see basic stuff about me. I will be attaching what they sent me.
Consumer complaint received 2020-10-13
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. (FL)

the accounts listed do not belong to me someone use my social security number and photo id to open fraudulent accounts in my name as result i am victim of identity theft I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX   CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I contacted transunion and unfrozen my credit report I waited to ask XXXX XXXX for a installment loan the following at and was denied because transunion credit was frozen I called and it was.. I did it again happened three times finally got past it then they denied me because suspect fraud... back and forth phone tag getting me happy.I really needed some help but no one would in my credit report is froze because of data breach my information got all over the web few years ago and still just going farther in the hole they just really didn't treat me fairly and can't get myself out of this financial bind please help me
Consumer complaint received 2019-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (DE)

A Bi-weekly payment process was authorized and confirmed to start in XX/XX/2019. In XXXX, a late fee was billed. The company was contacted by us and they stated an error was made by them, and the bi-weekly payments were cancelled for unknown reasons. The company said this was not uncommon, but stated a new authorization would be required by us. We said we would just make regular monthly payments to avoid this problem. The company removed the late fee, and confirmed the date and amount of the next payment. Company stated everything was corrected.XX/XX/2019, we received a bill for twice the monthly payment for XXXX. XXXX was already paid, and now a double payment is due for no reason. The company is being contacted for the third time about this issue, and we are concerned about malicious billing from this company.
Consumer complaint received 2017-09-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (AP)

Credit Bureaus XXXX XXXX XXXX XXXX XXXX Santander Consumer is showing inaccurate and erroneous information. It has labeled my account as a charge off. Accountbwas current and used as a trade in witbanother auto company. Would like this deleted. 

Please have them send me an updated credit report once removed to the below address. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2019-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (NC)

I called the phone number for Waypoint Resource Group at XXXX on XX/XX/2018 a third time to inquire about the debt. Calls were made earlier in 2018. They have not called me back after several calls. I do not know who this or what the debt is about.
Consumer complaint received 2017-09-14
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. (CA)

I went to the FTC to inquire instructions for instructing each of the big three to establish credit freezes for my wife and myself following the XXXX breach. I called each of the three numbers given on the FTC web page instructions : XXXX XXXX Through voice instructions was able to enter and confirm by SS # and ZIP code and then was told they could n't freeze my account. 
XXXX : XXXX requested a security free and through voice instructions was able to confirm SS #, DOB, Zip and first 3 numbers of my home address - they informed me they could not place a freeze on my credit file - I had to submit a written request. 
Transunion : XXXX requested a security freeze, supplied SS #, DOB, Zip Code then was sent to a buzy tone and disconnected.