davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
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 have contacted all three credit Bureaus Equifax, XXXX and XXXX to have the incorrect information on my credit report deleted due to me being a victim of identity theft. I have mailed letters, called the companies and submitted numerous amounts of financial complaints to get this issue resolved. I feel as if my rights are being violated and as the consumer my right should be protected with consumer laws such as 15 U.S.C 1681 b. I feel like I'm being treated unfairly and my credit is suffering because of it. I have multiple negative items on my credit that is inaccurate that needs to be removed.
Consumer complaint received 2019-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

REF : XXXX LETTER OF SUPPORT To whom it may concern, On the night of XX/XX/2019 Ive managed to order the batch of items on XXXX for the full amount of {$55000.00}. All of them have been delivered to my business storage located at XXXX XXXX XXXX XXXX  XXXX NY XXXX during the period of XX/XX/2019-XX/XX/2019. 

However, every piece of item been either partially damaged due to mishandling, or not looked at its been described online. Due to that fact, Ive requested to return these following XXXX 30 Days Return Policy. As been requested Ive managed to pack and shipped items back to different XXXX Facilities located in KY. 

All the shipping labels contained reference number for the returned items and could be find attached. 

Nevertheless, even though all items have been successfully returned to the XXXX, only partial refund on {$410.00} combined have been issued from 2 separate charges to my AmEx Delta Account ending in XXXX : {$540.00} and XXXX. 

Since all the packages successfully have been returned to XXXX within the companys policy, Im asking AmEx to adjust the charge and refund back to my account the amount of {$120.00} the difference which hasnt been issued yet. 


For your convenience, please consider attached : # 1 : Order Details from XXXX # 2 : Copies of the shipping labels # XXXX : Copies of the XXXX tracking information with a proof of delivery Kind regards, XXXX XXXX
Consumer complaint received 2021-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: REGIONS FINANCIAL CORPORATION (FL)

The # is XXXX XXXX a landline in Alabama giving an XXXX saying that they are Regions Bank attempting to collect a debt. I have NO accounts with regions and even called them gave them the # which keeps leaving messages even though the # is blocked. They have reported this to their fraud department. I owe NO debts to anyone!!! 
I haven't called either of these # 's back as I know this is FRAUD!
Consumer complaint received 2019-09-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

I've been requesting a repayment plan with the service lender. I was advised my husbands income, XXXX XXXX could not be used because his name was not on the initial mortgage. I've added my husband to the Deed because from what I understand, as long as he's on the deed FHA would consider his income for a repayment plan. Please reference copy enclosed. We are again requesting a 30 day foreclosure postponement to allow us time to be considered for a repayment plan as we are able to afford a temporary increased payment amount using our combined income to bring our account current. 

We've been denied the ability to be reviewed for a repayment plan, because we were advised FHA does not allow anyone else 's income to be used even if my husband was on the Deed. In the event FHA would not allow us to apply for a repayment plan we would like the opportunity to sale the home only if we are denied the repayment plan.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GU)

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX reference CFPB case # XXXX. The bank stated there was insufficient funds in my checking account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to pay my car loan. My XXXX XXXX XXXX  auto loan is routinely paid by monthly automatic debit from my XXXX checking account on the XXXX XXXX XXXX XXXX   XXXX. In this complaint, I provide a copy of my bank statement which shows that my checking account balance on the XXXX of XX/XX/XXXX was more than {$1000.00}. My direct deposit of {$3400.00} was deposited on XX/XX/XXXX and dwindled to {$1000.00} by the morning of XX/XX/XXXX. By the end of the day on XX/XX/XXXX, My checking account balance stood at {$630.00}. The bank had ample time to deduct the {$500.00} automatic debit to pay my Auto loan. The balance in my checking exceeded {$500.00}. 

On the morning of XX/XX/XXXX, a second direct deposit of {$1700.00} was deposited into my XXXX checking account bringing the total amount of funds available to {$2400.00}. From XX/XX/XXXX until XX/XX/XXXX, my XXXX checking account balance remained between {$730.00} to {$2400.00}. The bank again had ample time to deduct {$500.00} to pay the auto loan since my account balance exceeded {$500.00}. 

On the morning of XX/XX/XXXX, my bank statement shows a balance of {$2100.00}. The bank again failed to withdraw {$500.00} to pay my XXXX car loan. On XX/XX/XXXX, a second direct deposit of {$1700.00} was deposited to my XXXX   checking bringing the total balance to {$1800.00}. From XX/XX/XXXX until XX/XX/XXXX, My XXXX checking balance remained between {$560.00} and {$2100.00}. Between XX/XX/XXXX and XXXX, the bank had ample time to deduct the {$500.00} automatic debit to pay my Auto loan. Upon realizing the banks error, I immediately made two payments of {$500.00} on my XXXX Auto loan. 

The bank negligently failed to initiated the approved automatic debit to pay my auto loan, although funds were clearly available, and then made a false late payment report to the three credit bureaus. I want XXXX  XXXX XXXX to immediately remove the false late payment from my Auto loan payment history and to restore my excellent payment history to the three credit bureaus. My attached bank statement is evidence above and beyond a reasonable doubt.
Consumer complaint received 2018-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (PR)

Since XX/XX/XXXX, I've been trying to remove 3 fraudulent accounts from my credit report. To this day, the information keeps popping up in my credit report. Most recently, yesterday, XX/XX/XXXX. My credit report has a active fraud alert and credit lock. 

XXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$4100.00} XX/XX/XXXX
Consumer complaint received 2019-08-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Equifax is deliberately stalling and refusing to address the disputes I have sent by certified mail on XX/XX/2019. I have received multiple notices stating that I need to verify my address and they have provided an address that doesnt match my profile or what I included in the dispute. I have sent a copy of my social security card and drivers license which shows the correct address on there and they are still refusing to look into my disputes. The correct address was also included on the letter and Equifax provided me an address that wasn't even on my credit report.
Consumer complaint received 2018-02-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/18 I was attempting to purchase bulls tickets. The seller said he used XXXX. After seeing that XXXX was linked with Chase, I figured it was a safe way to handle the transaction. I sent {$160.00} using XXXX. However I didn't receive the tickets, and the seller stopped responding. Approx and hour later I contacted chase to get my money back. However the representative was extremely rude and unwilling to help.
Consumer complaint received 2020-01-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MiraMed Revenue Group LLC (IL)

Received a letter from this collecting agency - MiraMed Revenue Group dated on XX/XX/XXXX ( but I was abroad for vacation so I did not receive this letter until XX/XX/XXXX ). The letter tried to collect a medical bill that I am not aware of, I have been disputing with the medical provider, and I have submitted a complaint against the provider to Illinois Department of Public Health. 
The letter claimed that if I do not submit payment of the billed amount to this collector, they will damage my credit score.

In addition, this collector keeps calling my phone with robot message.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, and XXXX, has violated my right. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 


15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (NY)

I was just told that Mr. Cooper is now servicing my mortgages I was not given any disclosures, This company has a horrible history of taken peoples homes during the foreclosure process. I do not give consent for this company to handle my home account. they have been harassing me sending me correspondences 3-4 times a week since they demanded payment. I have yet to see and paperwork transferring this loan or I have not given my consent. They have not sent me a dividend check in regard to this transaction.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (GA)

I tried to get a Loan with XXXX of XXXX. They told me I was approved the whole time till I went to do the final paperwork then they wanted to jack the down payment up XXXX after running my credit 5 separate times already. The are using some company called sage stream which Ive never heard of and I complained about that in office asking for the supervisor to come explain what I was seeing on their computers and why there was a disconnect in my credit, my personal info, and the appearance and issues with the car that DID not match what the picture displayed. He acted as if he didnt even work there and could not provide me any detail to why I was having problems with them. Complete lack of experience to be a supervisor and not even know your own company. Ive had multiple credit issues since then, Ive had multiple fraudulent charges on my card I used there with them and Ive even went back to them in person and called multiple times over the phone and they couldnt provide me any updates. Ive left my contact info to be contacted back by someone in upper management and have yet to get a single call. This has been an ongoing issue for over 4 months now and Im fed up and ready to sue them now. What can I do?
Consumer complaint received 2019-08-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SinglePoint GI (GA)

This is my third or fourth time requesting debt validation from General Revenue Services. Recently on XX/XX/19 they provided me with a generic bill ledger that does not clarify the detail summary for the collection amount of {$540.00}. I have requested and General Revenue Services has failed to deliver the proper documents need to prove validity for {$540.00} is owed to them or XXXX XXXX University from me. Please provide specific details or billing invoices on what I am being billed for in the amount {$990.00} + {$150.00} = {$450.00}. After that please provide a billing summary for the {$540.00} that you are actually collecting on an have reported to my credit report. 

There are nothing but numbers on the ledger and a general enrollment notice but NO DETAILS on these charges. I am requesting that this item be removed from your collection office until these further details can be provided. It has been beyond 30 days required by law for General Revenue Services to provide debt verification and validation of the items I have requested. I have already submitted an Estoppel Letter this is my second notice
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (PR)

I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : XXXX I would like you to check the date of last activity, date of opening and date of last status because they do not match my records. Please remove this account for it 's errors. 

XXXX Please check out date of opening and date of last activity because this does not coincide with my records. Please delete this account for it 's errors. 

XXXX The following items do not seem proper account number, name, type and terms. I do not believe it is on track and this account needs to be removed from my report for it 's mistakes.
Consumer complaint received 2020-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (DC)

On Saturday, XX/XX/XXXX I received a notice that XXXX a debt collection agency on behalf of XXXX XXXX XXXX XXXX XXXX falsely put in a Derogatory Mark on my credit report for a debt that they never previously contacted me about and one which exactly 2 years ago, I informed XXXX XXXX that I did not owe because I was not living at the location and had proof of my move since XX/XX/XXXX. 

I was never further contacted by them after that last discussion on XX/XX/XXXX and now this is unfair that my credit report has to suffer for something that was not mines.
Consumer complaint received 2021-02-01
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (SC)

In XXXX I had contacted my current lender, Freedom Mortgage, about a refinance of my existing loan with them. They followed-up quickly and said they needed to wait for the required VA seasoning period before we could proceed. After that period had passed we reengaged and I was sent a final closing disclosure and scheduled for a closing on XX/XX/2021 at my home at XXXX. I was contacted at XXXX by the law firm and told the closing had to be cancelled because Freedom Mortgage failed to get them the required documents. I contacted Freedom Mortgage that day and learned that they were unable to determine a projected property tax for escrow. I notified them that this was originally part of a trust and that the bill wouldn't be generated until XXXX or XX/XX/XXXX. They stated they would contact XXXX County, SC to get an estimate to use for the tax certificate. Once I had been assured that had happened on XX/XX/2021 I scheduled for a closing on XX/XX/2021 at XXXX at my home. I was contacted at by the law firm at XXXX and told the closing had to be cancelled and to contact Freedom Mortgage for further details. I contacted Freedom Mortgage and was told that they had the same issue about the tax certificate. I had been assured it was cleared up, but surely enough it wasn't. When I spoke to a representative for the " exceptions department '' on the phone I was told they had two different tax amounts and couldn't proceed until they received confirmation from the tax authority. That is now twice in two months, with the closing scheduled 12 calendar days in advance that Freedom Mortgage was unable to execute a scheduled mortgage closing for an IRRRL due to their inability to gather and relate information competently. I have made inquiries to other companies as this process has proceeded causing a dip in my credit scores as well as having to cancel on my required witnesses who had cleared their schedules.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX reported the date of first delinquency as XX/XX/XXXX to EQUIFAX for acct # ending in XXXX original account was with XXXX XXXX. Then changed the date of first delinquency to XX/XX/XXXX see copy of original report ( my Equifax XXXX Original Amount Owed {$640.00} Amount {$1400.00} Status Date XX/XX/XXXX Status UNPAID Balance Date Account XXXX XXXX XX/XX/XXXX INDIVIDUAL_ACCOUNT # # # XXXX Account Number Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XXXX XXXX, XXXX Comments MEDICAL Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX )
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. 15 U.S. Code 1681c Requirements relating to information contained in consumer reports. 
XXXX XXXX Bankruptcy Case Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
XXXX. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
3. FDCPA section 807 violation misleading false reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. I did NOT APPLY for this company. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. I always paid as agreed on time this is an error XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Consumer complaint received 2020-08-30
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. (AR)

As for the past 19 years, I have been trying to fix a problem with all credit bureaus for miss using my SSN and creating a new identity with my daughter 's SSN number. The SSN number got switch while working for XXXX XXXX XXXX in the year on XX/XX/XXXX. Experian has sent me a letter after filing many complaints with CFPB and ignoring everything that has been submitted to Experian. Experian has put loans under my credit report that were not mine in the year XXXX with XXXX XXXX.After filing many complaints against Experian the company sent a letter asking for my personal information on XX/XX/XXXX, received on XX/XX/XXXX. This information has already been sent to Experian on XXXX XXXX, tracking number USPS tracking XXXX XXXX XXXX XXXX. I will not send any more information to any credit bureaus because of what has occurred to me for the past 19 years since XXXX, which is horrible to put me or my daughters in this situation. I have responded to every requested that has been asked of me, except this one because the information has already been generated to Experian in this matter through certified mail with a return receipt. I had credit monitoring insurance and both claims were not processed or I never knew the outcome of both claims number are as followed XXXX and claim number XXXX, which there were no results from either claim I filed on this day of XX/XX/XXXX.I know this is a duplicate, but the first one did not upload correctly, so I had to do this after discovering my upload documents did not upload.Thanks
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (CT)

While applying for a mortgage, my lender attempted to verify the deposits in my account. They were told that I needed to request the verification myself. 

When I called, I was told they would not help me. Instead, they wanted to know my rate and said they could get me a better mortgage. When I asked to speak with the manager, she said she was the manager. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX It is my understanding that my bank is required to provide me a verification of deposit upon request.