davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
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: EQUIFAX, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed the items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you.Please block/remove these files. 
XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance 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 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NJ)

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 XXXX XXXX Please investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX XXXX XXXX I do not believe I was late on the dates you are reporting. Please report the payment status positive and remove all lates from reporting on this account XXXX XXXX XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX XXXX The following items do not seem correct company name, account number and collection responsibility. Please review and remove this collection for being incorrect. 

XXXX XXXX I am requesting an investigation of this collection because the assigned date and date of last activity does n't seem right. Please remove this collection from my credit report. 

XXXX XXXX Did you verify this account directly with the court or through XXXX or XXXX XXXX? Or maybe even a third party? I contacted the court directly and asked them what information they verified with you and they told me that they do not verify information
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MA)

XXXX XXXX didnt provide me with the agreed upon paper or electronic statement for two months. No paper statements ever got to me and then gave me a call on XXXX for the first time. They explained I had a late payment for a bill of about {$12.00}. I explained back I never got a notice or any reminder of that in any possible way other than promotional emails and routine emails. I was promised that if I pay on the phone entire amount plus 1 month ( not 2 months! ) of late fees, there will be no problem with credit reporting or anything else. I paid all in full as agreed upon on this first call I got form XXXX. Same day I saw to my surprise and against all that was explained to me on the phone that my account was reported delinquent by XXXX. I called back several times to talk to the XXXX XXXX Credit Department but they didnt want to help or explain why the reporting happened after my account was fully paid. In addition, they only send me a notice to dispute the status of the account only after it was in good standing.
Consumer complaint received 2016-07-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

I lived in XXXX XXXX several years ago. When I moved out, I completely cleaned the apt including vacuuming the floors, but did not shampoo them. I was not told this was a condition of getting my deposit back. While I lived there, I had a large room sized carpet in the living room that completely covered their carpet. The tubs were painted prior to my moving in. During my time there, the paint chipped off several places. I reported this in writing and they offered to come repaint the tubs, but I would need to be out of apartment for 4-6 hours. I am a nurse and work many long hours. I had no where to go to sleep for 4-6 hours, so I lived with the chipped paint. Once I moved out, after several months, I received a statement saying I owe over {$1200.00} for " damages ''. I immediately called. They said they would send me pictures of everything they considered " damage '' I never received these pictures. They sent an itemized list of things they were charging me for, most of them were the routine make ready every apartment must do. One item that stuck out was the charge to repaint my tubs. I called and reminded them these were maintenance issues I had while living there. They sent me another letter stating they were removing this item from my " amount due them '' making the new amount due {$900.00}. I called again and told them I have not received any pictures of damage and knew I did not damage their apartment. The flooring in the kitchen and bathrooms is from a roll of linoleum. They said I scratched it. It is very cheap and soft flooring, and it did have a few areas that were not perfect, but it appeared to be normal things that happen. Since I know I had their carpet completely covered, I knew I did not damage that, but they listed a cost to completely re-carpet the place. I think it is criminal that apartments believe they can charge people for maintenance that is not theirs to pay, and that they have the power to arbitrarily send it to a credit reporting agency that takes it as gospel. I disputed this and requested the documentation to back up these charges which I did not get. I requested to know why they keep changing the amount they are holding me hostage for. I did not receive any documentation from XXXX XXXX, only a comment on my credit reports saying the claims were " verified '' I 'm not sure what " verified '' means, but it does not mean true or accurate.
Consumer complaint received 2017-02-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, we filed for chapter XXXX bankruptcy, at the time we surrendered our house back to XXXX XXXX XXXX, previously XXXX XXXX XXXX XXXX owned our mortgage loan. XX/XX/XXXX, during our chapter XXXX bankruptcy XXXX XXXX XXXX sold our loan to XXXX on XX/XX/XXXX. XXXX foreclosed on our house XX/XX/XXXX. Our bankruptcy was discharged in XX/XX/XXXX. Now XXXX XXXX XXXX is reporting our mortgage on our credit report and XXXX is reporting it as a foreclosure in XX/XX/XXXX. Our credit score has dropped XXXX points since XXXX started reporting the foreclosure in XX/XX/XXXX. Please help us, this mortgage was included in our chapter XXXX bankruptcy and is the only reason we filed. It was our understanding that the mortgage loan was supposed to be marked in bankruptcy on our credit report. Our credit score has taken a hit with the Chapter XXXX bankruptcy ( the house loan was included in the bankruptcy ), and now we are taking another hit with the foreclosure reporting ( it is not being reported as included in the bankruptcy that has been discharged ). XXXX XXXX XXXX and XXXX are both reporting the same mortgage loan that was discharged in the bankruptcy on our credit report. I am attaching documentation supporting our bankruptcy. 
I am attaching several of our bankruptcy forms to support our story. We hired XXXX to help us with this situation and still have not seen results from any letters sent to the credit agencies. We do n't know where else to turn. We have spent many hours trying to get help with this situation. 
Our contact information is XXXX XXXX SSN # XXXX XXXX XXXX SSN # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Email : XXXXXXXXXXXX XXXX loan # XXXX XXXX loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Thank you for assistance in this matter. 
XXXX and XXXX XXXX XXXX XXXXXXXXXXXX there is also a Tax Lien that has been paid and is not showing Paid.
Consumer complaint received 2015-08-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (NJ)

This is the XXXX Dispute that I have requested you to help me with for Sun Trust Bank. Well I received the XXXX Report and the XXXX report. I am beyond upset with these banks and how they just treat people. As stated on my previous dispute this bank told me a week later after I opened this account that they were closing it due to information that they had received from XXXX and that the account was no longer available to me. Now if you were closing the account why in the great love of XXXX continue to debit another account for the opening deposit. Way after they the fact that you stated that you were going to close the account. Each time that they did n't receive the money they charge me an overdraft fee and and NSF fees which overdrew the account. So they reported me to both XXXX and XXXX with these Contribution Reasons : An account closed and charged off by the contributor, in whole or in part via an automated process, where the contributor has recorded a loss and where the Contributor does not, or is not able to identify the closing of the accounts as due to fraud. Yes rattled my brain as well. I am so done. Now I received a phone on XXXX occassion 's this week from Sun Trust bank but they just left a message stating they were calling me due to the dispute report from CFPB nothing else happened. No resolution
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

An account titled XXXX was opened in XX/XX/2012 under my name, Jointly, and I never authorized this account to be opened. I am not even sure what the Account is for. This account was past due multiple times and is negatively affecting my credit score.
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (OH)

Despite my several disputes, Experian has failed to verify several items on my report. The items still remain on my credit report which is in violation of the Federal law. They have failed to send me copies of the documents that they used to verify accounts for XXXX, XXXX, and XXXX. Supervisor XXXX stated, that is not there responsibility but it is the consumers responsibility, and refuse to remove from my credit report.
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WA)

The debts listed are grossly inaccurate or not mine at all. Please investigate these items and SEND ME THE CONTRACT BEARING MY SIGNATURE of me obtaining these debts or remove them. 
( XXXX Items Total ) Please investigate these items, delete and remove them immediately within the time frame required by the Fair Credit Reporting Act ( FCRA ) and inform me in writing of the outcome. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (FL)

I disputed the creditors XXXX XXXX and XXXX with Experian. They have the same account listed more than one time on my credit reports, which is against FCRA. I have contacted the organizations and disputed with Experian and Experian is indicating that the accounts are mine. Please know first of all these are fraudulent accounts and if that is n't bad enough they have the same XXXX account from each organization listed more than once on my credit reports. So again, they have the same XXXX account for XXXX XXXX reporting two or three times and XXXX is reporting two or three times, same accounts. If they review they can see that they have these accounts listed more than once. The XXXX account belongs to XXXX XXXX, I never signed or was aware of the account until viewing on my credit reports.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I do not owe a creditor having this name. 
This is not my account and I do n't know why I have a credit to them starting XX/XX/2016. 
Credit Items XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2016-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (FL)

We have a mortgage on a condo in FL. We have been making regular on time electronic payments for close to 22 months. In XXXX 2016 the mortgage servicing company did not post our payment. Our bank statement showed that the payment had been sent, the amount deducted and received. The transaction was marked completed by the bank. I called the mortgage servicing company and asked them to check on it. XX/XX/XXXX came and I made the payment and the same thing happened. The money was deducted but the mortgage servicing company again did not acknowledge receipt. I have made a call per week to the mortgage servicing company with no satisfactory resolution. Yesterday I received a certified letter telling me that we are in default. Today I have again made calls to the mortgage servicing company and my bank to send proof of payment.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (RI)

I have had several issues with my Chase Freedom credit card. 

1. A couple of years ago I discovered a service attached to my card that i had never authorized. It was charging an additional 1 % of my credit card balance as some kind of " account protection ''. An example of this unknown service would be " payments would be made to the card I was incapacitated and unable to make my payments. This service subsequently increased my 12 % APR card to a 24 % APR Card. 

2. In the last year I have found XXXX transactions on my account and billed using " Online, Mail, or Telephone transaction ''. I disputed these charges and was rewarded my money back. This was some sort of business institution charging this card. To me it appears that Chase is performing these charges on user 's accounts and charging interest on these fees. 

The actual transaction : [ XXXX XXXX DEDUCTIBLE Adjustment Hide details about this transaction This transaction posted on XXXX XXXX, 2016 Additional merchant and transaction information XXXX, PA XXXX US Online XXXX Mail, or Telephone transaction ] I asked the chase representative if they would perform an audit on theses charges. They seemed very dismissive with me. Meanwhile other people have been charged these finance charges and paying interest on these charges. 

To the best of my knowledge this has not occurred on any other account. My perception of this is Chase is performing these transactions to generate revenue and fees.
Consumer complaint received 2015-06-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: U.S. BANCORP (MN)

U S Bank removed my student loan account from deferment status illegally and unlawfully, which created a past due balance and damaged my credit score. My student loan account should not have been removed from deferment and I should not have a past due balance.
Consumer complaint received 2015-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (CA)

Hello, I purchased my condo with a US Bank loan back in XX/XX/XXXX. I refinanced my loan through them earlier this yr. because my current financial situation is n't very good. The bank performed VERY poorly & caused me PLENTY of distress. 
I spoke with Mortgage Loan Processor XXXX XXXX the week of XX/XX/XXXX & our conversation was recorded by US Bank. She told me my line of credit would need to be frozen to go through with the loan so I said OK & asked when will the line be frozen, she said after the loan is completed. 
I attempted to draw on the line XX/XX/XXXX ( via check # XXXX ) & it did n't go through because the line had already been frozen. I discovered this on Mon., XXXX XXXX & my Refi. loan HAD NOT been completed yet. As I needed the $ $ to cover withdraws from my checking account I immediately envisioned checks not clearing, insufficient funds to cover my mortgage, my refi. not going through & my credit rating going down the toilet. ( I 've been very careful & prudent for many yrs. to keep my FICO score very high. ) As of today, XXXX XXXX, the bank has chosen to largely be silent about my troubles even though they know they 're guilty. 
Thank you, XXXX
Consumer complaint received 2015-08-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: U.S. BANCORP (IN)

There were multiple issues performed by this debt collector. To begin with I got a phone call from this debt collector in which I did not answer. They called from a phone number in XXXX and claimed to be an investigator calling on behalf of XXXX XXXX XXXX ( my county of residence ). She stated that because I have failed to call her back after multiple attempts ( though I have never once received any voicemail or call from this number and can provide phone records to support that ) that she had no choice but to proceed with a detainment order with a court appearance. My voicemail is clearly set up where I state my name therefore there is no confusion as to whether they have the right number. I then received a phone call almost immediately from my mother stating that she received a phone call from the same woman with the same threat left on her voicemail. It is my understanding that a debt collector is only allowed to call a family member if they are unsure as to how to reach the person who has the debt. On top of that I also was under the understanding they are to share no information whatsoever especially the same threats of me getting detained. When I called the number back the same woman answered and never once identified herself as a debt collector but instead stated I owed money. I was frustrated because I believed this to be a debt I had paid to a law firm already and the woman then stated I can contact the company it originated with to verify the debt. When I told her that I was not going to pay something twice she then said she is going to proceed with the detainment and will notify the original debtor and then hung up on me. When I called back the same woman again answer and was very belligerent with me. I asked multiple time for a supervisor while she talked over me before finally sending me to a supervisor. The supervisor was a little more helpful but again never once did either of them identify themselves as a debt collector and it was not until I asked if they were one that they told me so. When I contacted the original company the debt was with they in fact told me it was still outstanding but stated that the company that the woman who called me claimed to be from was no longer in business and that that debt was sold to another company that they are unsure of.
Consumer complaint received 2016-08-22
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP (MO)

My credit score according to XXXX, is XXXX. I applied for a pre-approval to US Bank on XX/XX/XXXX. They obtained my credit report on XX/XX/XXXX. On XX/XX/XXXX, I contacted them to inquire as to the status. 

They requested to contact the dealer and ID the car, both of which I happily orchestrated. I told them I need an answer, as they advertise " approval in minutes '' and I am losing the option to buy this particular auto. After requesting further documentation, I angrily told them in no uncertain terms I would NOT do business with them. 

They were aware of the XXXX value of the auto I was purchasing, the XXXX I was putting down on the purchase, and aware of my credit score. According to the subsequent institution I obtained the loan with, they confirmed that it was " highly unnecessary '' to request or obtain any further documentation regarding the loan than I had disclosed to USBank. It 's their right to refuse my loan based on logistical parameters, however, this was blatant discrimination. 

My complaint however, is not about discrimination, although I am absolutely sure this was a personal discriminatory decision from a representative of UBank. 

My complaint is that this institution, or someone within it, deliberately, with malice and obtained a second credit report on XX/XX/XXXX, 3 to 4 days AFTER I told them to cancel the application, and that I had " no intention '' of ever doing business with USBank, and that I was in fact going to close my account which is held by them. 
I have proof of this VIA my XXXX Credit account, which alerts me to all activity concerning my credit, including any request to obtain said report. 

I have uploaded a screen shot of the proof of obtainment from USbank on XX/XX/XXXX ( valid ) and XX/XX/XXXX ( Malicious and illegal ). 

Access to the actual account where this proof resides may be obtained from me, to verify and validate the screen shot I have attached. 

I find it revolting that a personal grudge largely stemming from the unethical, capricious and arbitrary actions of those involved, later utilize their position to illegally and without due cause or authority, to take personal action in hopes of one can only deduce, to create a deleterious outcome for me, the consumer.