davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (GA)

I have been a customer of Discover Card for several years and have never missed a payment and also have an personal loan with them. XXXX payment history with them has been stellar and in fact they increase my credit limit without me requesting it. I recently received an e-mail from XXXX stating that Discover Card want to access my IRS tax information. I actually thought the e-mail was a fraud phishing e-mail, because I have never had a credit card company request to see my tax information. Given I thought this was a fraud e-mail, I deleted it. Today I tried to use my Discover Card to rent a car. I have a {$12000.00} limit and my balance is just over {$5000.00}. The card was declined. I called Discover Card and spoke to XXXX XXXX about the decline. He stated asked did I get the e-mail requesting my IRS information. I told him yes however, I thought it was a phishing e-mail. He state that they would not allow me to use the card unless I gave them access to my IRS tax information. I was shocked. I asked him was this legal. He didn't have an answer. I asked to speak to a Manager and he told me he would send the Manager an e-mail and they would call me back. I have been a customer for Discover Card for years. I have a stellar payment history as evidence by them increasing my credit limit without my request. My income has not changed since I first received the car, in fact it has only increased. However, there is no reason I should give a credit card company access to my IRS tax information to maintain a credit card. This should be illegal. I am really thinking about ending my relationship with Discover, however, this should not be allowed. I should not have to give a credit card company access to my IRS tax filings to maintain a credit card. Please help. I am also filing a complaint with my Congressman. This is ridiculous.
Consumer complaint received 2022-07-31
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. (MI)

To Whom It May Concern, XXXX DEPT OF ED/XXXX  # XXXX Opened On XX/XX/2010 Account Status : Open/ Education Loan Showing Past Due : XXXX This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation, and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior request for validation of debt ( proof, attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character. 

This letter will again request that you follow FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware. Estoppel by Silence legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.
Consumer complaint received 2022-06-09
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MO)

I filed two online disputes with Equifax, as they are reporting a mortgage account with XXXX - XXXX XXXX that was paid and closed on XX/XX/XXXX. Equifax claims to have performed an investigation, yet the closed account still remains on my report. And, Equifax updated the " Last Reported Date '' to XX/XX/XXXX, which they are using to say that the account will continue to be reported for ANOTHER XXXX years, until XX/XX/XXXX. 

I contacted XXXX - XXXX XXXX via phone during standard business hours on multiple occasions and was told each time that their mortgage lending associates were unavailable to assist me.
Consumer complaint received 2022-07-31
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: Nelnet, Inc. (MI)

To Whom It May Concern, NELNET/US DEPT OF ED/GLELSI  # XXXX Opened On XX/XX/2010 Account Status : Open/ Education Loan Showing Past Due : XXXX This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation, and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior request for validation of debt ( proof, attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character. 

This letter will again request that you follow FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware. Estoppel by Silence legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.
Consumer complaint received 2022-08-23
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. (GA)

Any of the business credit cards I have are only reported with XXXX XXXX XXXXXXXX and other business reports NOT PERSONAL REPORTS. 
I ALWAYS WONDERED WHY XXXX XXXX IS REPORTING ON EXPERIAN AND WHY THEY ARE ALLOWING IT TO BE REPORTED. PLEASE HAVE XXXX XXXX AND EXPERIAN REMOVE THESE REPORTINGS AND PUT ON CORRECT BUSINESS REPORTS.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (AZ)

I recently submitted a request to XXXX to receive my three free annual credit reports. I received my credit report from XXXX and XXXX XXXX but was denied my request from Equifax. I am submitting this request to assert my consumer rights and attain my credit report from equifax.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

There is an open collections account from CONSUMER ADJUSTMENT that was added to my Equifax credit report on XX/XX/XXXX. This was a credit card account that was closed XXXX days ago on XXXX XXXX, XXXX. This is an attempt to re-age the account and prolong its presence on my credit report. I have disputed and had the account removed from the other 2 credit bureaus, but Equifax refuses to acknowledge the data I have provided in my disputes and reaffirms the fraudulent claims by this unscrupulous debt collector. Even though this account is over the 7.5 years when it should be removed from my report, this collections agency has reported the debt as being opened XXXX. This date is over 7 years after the account was closed and they've simply reported the age as the date they acquired the debt. 

I previously disputed this account and successfully had it removed from Equifax as well, but this collections company has purchased debt that is older than 7.5 years and has tried to re-age the account to ensure it stays on my report to try and collect debt they bought for pennies on the dollar. Both Equifax and CONSUMER ADJUSTMENT ( XXXX XXXX XXXX XXXX - Original creditor ) are in violation of The Fair Credit Billing Act ( FCBA ). I have disputed this account multiple times and have tried to contact the original creditor and collections company to no avail.
Consumer complaint received 2022-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (GA)

XX/XX/XXXX Contacted Acima leasing company advised they were charging me for a payment that was made in the 90 day buy out period spoke to a representee he took card information for last payment that i tried to make myself through auto system. I disputed with bank statements showing payment was paid company closed account put a higher amount on report, i sent several letters asking for the derogatory information to be removed from account advised them to stop reporting false information they continue to put false updated information on report. Final Payments were made in XX/XX/XXXX XXXX twice
Consumer complaint received 2022-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NE)

Our mortgage had been with XXXX XXXX  for years. Then our loan was sol to Mr. Cooper Mortgage in early XXXX. Our first payment to Mr. Cooper was XX/XX/2022. On XX/XX/2022 we received a reinstatement letter for our home owners insurance, saying that it was cancelled on XX/XX/XXXX due to non payment. I contacted Mr. Cooper immediately and they said the check for our insurance had been mailed and everything was fine and our house was insured. on XX/XX/2022 we received a refund from home owners policy saying it was due to cancellation from non payment. We called XXXX insurance immediately and told that our {$500000.00} hone had not been insured for the past 3 weeks. They did allow us to reinstate and make the premium on line that day, so we are now covered again. Bottom line, Mr. Cooper was 2 months late paying the premium despite the fact that they had been taking our payments for loan, taxes, ins. etc via our escrow. Also, it is impossible to get ahold of anyone at Mr. Cooper and they do not return email messages. Only contact I get from them is numerous email messaged weekly trying to sell me products I do not want. I have unsubscribed to them multiple times, but they continue. Please look into this. Let me know if you need any additional information. Out mortgage loan # with Mr. Cooper is XXXX. Their customer care # is XXXX. 

Thank You very much for your help, XXXX XXXX
Consumer complaint received 2022-05-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX opened a FHA mortgage loan using my identity information on XX/XX/XXXX for an amount of {$180000.00} without my authorization. It then concealed the loan information for six years and started using the loan account when it took over the mortgage servicing right from our last mortgage lender and servicer XXXX  XXXX XXXX, XXXX in XXXX. XXXX lowered the loan balance of it's fraudulent loan account to {$160000.00} to match the balance of it's assigned Deed of Trust. 
In XXXX XXXX maintained one Deed of Trust and in XXXX XXXX created two Deeds of Trust in response to FHA Hamp loan modification program. However, all three Deeds of Trust were created to secure the loan balance of the fraudulent mortgage loan account that XXXX opened on XX/XX/XXXX. 
I found the mortgage loan open date for the first time on XXXX of XXXX. I filed an affidavit of identity theft with FTC on XXXX. I also reported the matter of identity theft to XXXX and mailed it the paperwork it asked me on XX/XX/XXXX. I sought debt validation pursuant to FCRA identity theft regulation. However, XXXX did not do any investigation or provide me any response to my debt validation mail. XXXX on XX/XX/XXXX closed the disputed mortgage loan account but continued all kind of collection activities since then.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am in disagreement with XXXX, Transunion and XXXX credit reports on my payment history. Specifically XXXX credit cards 1. JXXXX XXXX - XXXX, XX/XX/XXXX On XXXXXXXX XXXX end there was an issue with autopay/payment due date changes. Payment was received as soon as I was notified of the issue. Was falsely assured Id have no issue with my credit report 2. XXXX XXXX, XX/XX/XXXX On my end autopay failed and I didnt recognize, HOWEVER, the account was paid in full ( actually a few dollars over ), days later. I was never over 30 days overdue. XXXX and XXXX where paid in full as well 3. XXXX XXXX, XX/XX/XXXX I was hospitalized with XXXX but I never missed a payment.
Consumer complaint received 2022-08-23
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. (GA)

Any of the business credit cards I have are only reported with XXXX XXXX XXXX and other business reports NOT PERSONAL REPORTS. 
I ALWAYS WONDERED WHY XXXX XXXX IS REPORTING ON XXXX AND WHY THEY ARE ALLOWING IT TO BE REPORTED. PLEASE HAVE XXXX XXXX AND XXXX REMOVE THESE REPORTINGS AND PUT ON CORRECT BUSINESS REPORTS.
Consumer complaint received 2016-02-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (TX)

My mortgage servicing provider ( XXXX ) transferred my mortgage to another service provider ( Suntrust ). This is a standard procedure and I went through the process several times before. However, this time I was not informed about the transfer from either company! Because XXXX had a wrong address on file I did not receive their notifications. Additionally, since the new service provider ( Suntrust ) relies on the address from the previous service provider, I did not receive any communication from them either. 

I found out about the transfer a few months later via a coincidence. I checked my credit report and noticed that my credit score dropped. Apparently I had a mortgage with Suntrust that was more than 30 days late. I was confused as I had been making timely payments to my my mortgage provider. 

I called XXXX and they informed me that they are not my service provider anymore and they referred me to Suntrust. Both providers admitted that they had the wrong mailing address and that the mail they sent to me had been returned to them. I do n't understand why Suntrust did not try to call me and why they reported the late payments to the credit bureaus when they obviously had the wrong address!? 

I immediately settled my balance with Suntrust as they were very adamant about the outstanding balance. At the same time I am still waiting for XXXX to reimburse me for three months of mortgage payments I sent to them. To add XXXX more twist to the story : my account will transfer to yet another service provider ( XXXX XXXX XXXX, I think ) in less than 14 days. 

Since I did not receive any information or notifications about this transfer either, I can only assume that Suntrust continues to use a wrong address. This is very frustrating!
Consumer complaint received 2022-06-09
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: Experian Information Solutions Inc. (GA)

The account listed below is being reported inaccurately on my Experian credit report which has caused financial distress and is against the law. Ive ask several times for the account to be verified by showing original signed documentation no response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-10
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. (SC)

I submitted a dispute to Equifax over a collection item on my account on XX/XX/XXXX. It is now XX/XX/XXXX and the dispute is still showing as PENDING on my account. I called Equifax and they could not help me and did not offer to put me in touch with someone who could help me. I can not re-submit the dispute nor has it been removed or validated. So this invalid collection is stuck on my credit report.
Consumer complaint received 2022-07-31
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. (FL)

XXXX. XXXX  of XXXX ( XXXX ) has reported a late payment as I was late making a payment during the Pandemic which I explained I was not able to pay as, I was in XXXX and was not able to pay the card as I did not have internet access. I paid the card a couple of days late, calculated the interest for the additional days and paid the outstanding balance plus the interest. The balance was about {$170.00} and I explained that the {$30.00} later fee was onerous for the balance mentioned above so I would not be able to pay the interest. The young lady evidently was not able to have the late fees waived and I was not notified by XXXX of the late charge. The account was closed but XXXX continue to report the {$30.00} late fee on my statement. I am a XXXX living on very limited resources and on a principle, I do not have the funds to pay for a few days late on the small balance mentioned above. This seems to be extremely vindictive by XXXX  because I closed the account 2. I have the similar issue with XXXX Bank ( XXXX ) XXXX credit card. I called into the Credit Card Center to get the payoff balance. Based on the balance given, I drew a check made payable to XXXX Credit Card to cover the outstanding balance. The person who calculated the outstanding balance, did not take into the calculation, interest to date since the last statement date. Subsequently, after making the final pay-off figure given by XXXX XXXX XXXX XXXX the interest accrued prior to the pay-off date was not included in the pay-off figure. Even though the card was closed XX/XX/2016, XXXX Credit Card continued to maintain the outstanding amount plus interest, until the account balance was {$100.00} approximately when it was written off. This company has not removed this from my credit record.
Consumer complaint received 2022-05-06
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. (SC)

The following items are found to be erroneous in my credit report. I would like to seek your help to have these items blocked from reporting in my credit report. All the accounts listed below were closed and fully paid to the creditors but the Bureaus kept on reporting the same accounts without supporting documents submitted to me. Besides, they have failed to contact me about the issue which I have already addressed to them in my previous letters. Have these items removed immediately : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX {$9200.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$1900.00} XXXX XXXXXXXX Balance {$14000.00} XXXX XXXX Balance {$900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$3700.00} XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX XXXX XXXX Balance {$640.00} XXXX XXXX XXXX XXXX Balance {$1500.00}
Consumer complaint received 2019-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

We was hit hard by Hurricane Michael and our home got destroyed. We have been working with the insurance, contractor and mortage company. We received a quote from the roofing contractor and it was approved by the insurance company so we contacted the mortage company to receive the deposit. The mortage company informed us we need a completion date. Since there have been millions of houses destroyed the roofers will not even put you on their list until you give them deposit. We informed mortage company of this and they did not care. So no money and no completion date. We had to pay the deposit out of pocket to get on the list for a completion date for mortage company. They finally sent a check. Now 6 months after storm our contractor is ready. We send all info to mortage company all approved by insurance. Contractor need 30 % to start which is {$35000.00}. Mortage will only cut half and says we need a inspection. The roof is all that is done and was inspected by county but that's not good enough. I asked if I could pay for an inspection and was told NO. It has been 7 days and no phone call from inspection company for inspection. I was told on Friday it would be 5-7 days but my wife was told today 8-10 days. So we are paying for a house we cant live in. Paying for a second place to live and we can all live together for the last 6 months. But mortage company get to draw interest off my month while I sit here and wait. How fair is this? If they are worried about fixing house they are more than happy to come to XXXX XXXX and fix it if they dont trust me to do it.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

random inquires that have just been popping up when i have no business or account with these companies equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-24
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.