davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (NC)

I moved in XXXX and closed my Internet provider account at XXXX XXXX XXXX in good standing. I returned their equipment back to them in a timely matter. Somehow by XX/XX/XXXX the billing department sent me a refund check for {$160.00}. I called XXXX XXXX XXXX and spoke to XXXX in the billing department to report the mistake. She explained it was sent to me in error and the check would be cancelled and my account is good and closed. They mailed me a letter on XX/XX/XXXX stating I need to make a payment to them in the amount of {$160.00}. I called them on XX/XX/XXXX ( 15 days later ) and Spoke to XXXX XXXX XXXX in the billing department to clear up the misunderstanding. I never cashed the check ( I still have it ). They said my account was sent to an outside collection agency ( only 15 days later ). I explained it should not have been sent to an outside agency because first I returned the equipment and second I do not owe any money and third because I called right away to clear the matter up. I also sent them proof of the returned equipment, I sent proof I never cashed the check sent in error so there could be no way I owe them. The matter was told to me that they fixed the issue and my account was now all resolved and I did not owe any money. I then got a letter from the collection agency ERC trying to collect on the debt from XXXX XXXX XXXX in the amount of {$160.00}. I contacted the collection agency and sent them my proof of my documentation that I sent to XXXX XXXX XXXX before it was sent to them. They put the issue on hold. I got a credit report to find the collection still being reported on my credit report two years later. I contacted the collection agency in XX/XX/XXXX to ask why it was still showing on my credit report. They explained XXXX XXXX XXXX still listed me as oweing them the {$160.00} so they could only put the account on " hold '' and XXXX XXXX XXXX must correct the problem. I have been denied car loans, credit cards, and have suffered a lower credit score for over two years from this issue that was pushed by XXXX XXXX XXXX even though I had sent proof of not oweing them. I called XXXX XXXX XXXX  on XX/XX/XXXX to complain and report the harm their incorrect reporting of oweing them has had on me for over two years. XXXX and supervior in Billing acknowledge that the notes on the account shows that it should have never been sent to collection and should have been fixed several times I called in to report the problem. They keep promising to clear it up but by now i feel what was done was fraud and damaged me as a person and my credit rating all these years for and error I clear up several times.
Consumer complaint received 2020-02-25
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. Also, address and phone numbers listed on my credit report is not nor has ever been an address or phone which I resided or obtained and does not relate to me. It is the result of identity theft. I contacted all creditors. XXXX XXXX doesn't even have an account or record of me in their system.
Consumer complaint received 2019-11-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (MD)

On Wednesday XX/XX/2019 I attempted to open an online Discover savings account. During the process, it asked me to initiate a one-time transfer from XXXX  XXXX XXXX for {$15000.00} to fund the account. Near the end of the process, the application errored out. I was unable to get an account number or log in info- nor did I receive any texts/emails that an account was opened. I called in to get the information. I received the account number and then was able to register and create an account online. After this, I checked my transfer activity- there was no transfers listed. So I initiated a one-transfer for {$15000.00}. Today on XX/XX/2019 I see that now my transfers were completed twice- overdrafting the linked account. There was no indication that 2 transfers were pending or occurring. Even logging in, it only shows one completed transaction of {$15000.00}. This bank 's technical difficulties have overdrafted my original linked account, without letting the consumer know that an account was even successfully opened! I would never have known if I didn't call in right away.
Consumer complaint received 2020-02-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NC)

On XXXX XXXX I received a collection bill from IC systems in relation to a debt I then called and set up payment arrangements due to the balance being owed per my divorce decree by my ex wife I was told to pay it on XXXX XXXX. I told them I get paid the XXXX and I would pay when she paid. I am XXXX XXXX military and told them that. I explained it would get handled they promised as long as I payed it wouldnt affect my credit. I paid on XX/XX/XXXX as promised. Shortly after my current spouse and I went to finance a home and IC systems not only took payment the refused to follow through with deletion of account. My wife called and spoke with a supervisor who stated they listen to the call and told us they had an arrangement with cox cable to not delete when ask for documentation the supervisor refused to provide said policy and asked if we had an attorney. After we insisted on this being rectified we were told to contact an attorney because the supervisor stated that had no black and white written document stating said policy and the conversation was over and hung up. I want this deleted from my report I satisfied the debt in the time that was agreed to and all calls are recorded there, they need to rectify this immediately.
Consumer complaint received 2019-11-21
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (CA)

On Sunday, XX/XX/2019 I discovered that {$1100.00} was automatically deducted by Square from my XXXX XXXX account. No advanced notice or warning was given to me about a possible deduction.

I called Square on Monday, XX/XX/XXXX and the representative ( XXXX ) informed me that an email was sent to me on XX/XX/XXXX ( by XXXX ) saying that it was because of a negative balance and because of a payment dispute. He forwarded me the original email that was sent to me by XXXX, however, this email did not state any information on which account and no info on a dispute and who did a dispute. I was very surprised and explained to the representative that I do not have any payment disputes listed within my account and he stated that it was because of another account. I also explained that I did not see any payment dispute in my other account. He informed me that he could not give me any other information and I would be required to just wait for an email from square. 

The next day, I called again on XX/XX/XXXX and spoke to another representative and wanted to find out information of why this amount was deducted. This representative was also not able to provide me with any information and stated that I should wait for an email from Square. 

On XX/XX/XXXX I received an email from Square Recovery stating Weve confirmed that the account XXXX 's XXXX XXXX associated with XXXX is connected to XXXX XXXX XXXX XXXX. 

At this point I still do not know why this amount was deducted and they have not responded with any information on any payment disputes. I do have 2 accounts and in both accounts I do not have any payment disputes listed, nor did they offer me any other information or breakdown of why this amount was deducted. They also stated that this investigation is closed. 

I also want to state that in my whole time being with Square ( approximately 8 years ), I only had 2 disputes and those were ruled in my favor and after those disputes I never received any other disputes so I do not know what they are talking about. I would like to state further that most of my transactions range in the amount of {$50.00} - {$70.00} for each client so it would be impossible to have a payment dispute of {$1100.00}. I should have the legal right to know what this dispute is all about so that I could respond with an appropriate answer, or that I can further investigate, however, Square refuses to provide me with any information of why they illegally deduct money from my business account.
Consumer complaint received 2020-02-25
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. (TN)

Your report on me is in error because it contains information that is inaccurate. I request that you investigate the following and remove them immediately and prevent their reinsertion in my reports. 

XXXX XXXX XXXX : # XXXX : This account does not belong to me. I have no knowledge of this account. Please validate this information with XXXX XXXX XXXX and provide me with copies of any documents related to this listing bearing my signature. In the absence of any documents bearing my signature, I request that this information be deleted from the file you maintain under my Social Security Number.
Consumer complaint received 2020-12-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2019-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  OH XXXX SS XXXX XXXX XXXX I need the following addresses removed deleted from my report. I have been compromised on my ID and personal information. I have to file a police report and FTC report. Please remove delete : XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX
Consumer complaint received 2020-02-25
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

In XX/XX/2018 my loan was transferred to Rushmore loan management. I asked for a loan modification before we made any payment to them. They started the process and it took them several months to approve it, while waiting for a decision we were instructed to make several payments to the modification unit on the dates which was specified. When the modification was approved we made our first monthly payment as instructed. Our loan has been reported to all 3 credit bureaus as being late 120 days for those months during the modification and I don't think that's fair to us because it has kept my credit score low and has caused me many denials for credit. We had never missed a payment or being late once the modification was final our payments have always been on time and it reflects that on my credit report. I would welcome any assistance with this matter that you could provide. Thank you.
Consumer complaint received 2020-12-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

I started the refinance process with LoanDepot on XXXX with an promised close in 45-50 days, max 60. Once documents were submitted everything went silent and I have not been able to reach a single person via e-mail, phone, or through the portal since. In the beginning the questions were not urgent, so I let it go that no one would respond. Then a couple weeks ago I received a letter that my home insurance has been moved over to LoanDepot, but we have not closed. This is now a concern and I have been trying for weeks to contact someone, with zero response. Today I received a new, generic e-mail stating they are working on my loan and someone would contact me in 7 days. The final date to close date is in 5 days, XXXX ( 60 days ). I tried to respond to this e-mail e-mail, then again by phone, and again with the portal in a panic and nothing. Today they changed the date to XXXX with absolutely no information or notification. What can I do? Even if I wanted to walk away and stop the process, how can I when absolutely no one will response or answer their phone? I've e-mailed four seperate people, multiple e-mails, left voice messages with three people, and have sent three to four messages on the portal. I feel completely trapped with no recourse.
Consumer complaint received 2019-11-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (GA)

I obtained a loan for a used vehicle in XX/XX/XXXX with Santander Consumer Loan USA for a 72 month term in the amount of {$18000.00} @ 22 % interest rate. My monthly payment was {$470.00} per month and I always paid {$500.00} or more. My term was due to end XX/XX/XXXX. I continued to pay up until XX/XX/XXXX an additional {$5500.00}. The company is alleging I owe an additional {$4900.00} to obtain my title. I have asked for payment history documentation back to the loan inception and they have not provided me with proof that I have not satisfied the terms of my loan outside of a monthly billing invoice. The request was made on XX/XX/XXXX.
Consumer complaint received 2019-11-20
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. (NY)

The problem started with XXXX XXXX, XXXX  and transunion on XX/XX/2019 when my credit scores dropped from XXXX to XXXX without explanation. The problem further escalated on XX/XX/2019 when my credit scores dropped 90 points without explanation. The problem has persisted on XX/XX/2019 when my scores were further damaged without explanation. It appears no effort has been made to correct these egrigious errors.
Consumer complaint received 2019-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX ; XXXX  and Transunion are reporting incorrectly ( 90 ) plus days late on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I filed for bankruptcy on XX/XX/2012. This loan was included in my bankruptcy and was discharged. The late payments reporting are AFTER the bankruptcy was discharged. This is a complete violation of the Fair Credit Reporting Act and these late payments need to be removed immediately and this line item needs to be deleted from my credit report. This false reporting of lates is seriously harming my credit score. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TRANSUNION IS REPORTING AN ACCOUNT FROM XXXX  XXXX XXXX ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2019-03-21
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. (NY)

I ve been dealing with this matter since 2015 to present. Its a run around with XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX its reporting inaccurate information to credit agencys As of this date, I am challenging the accurate of my student loans ; yet not all student loans are closed and 2 is pending to transfer the loans to another claim office, and then the inaccuracy reporting that shows on my credit reports as well. Meanwhile as to reviewing my credit report, again its shows 2 open student loan accounts, and as a result its lowering my credit score added. However, I ve tried several times to track down the various loan holders and its always a dead end. Nonetheless, XXXX XXXX XXXX does claims they ve tried to retrieve my last two loans from both XXXX XXXX XXXX and XXXX XXXX XXXX, yet this process will take from 30-150 days and when the debt companies do fail to reply, then they will resubmit the same process again. Nevertheless, theyre given the run around and its effecting my credit reporting overall. However, below is an ongoing Value Chain process with my current student loans activity : The XXXX XXXX XXXX sold my loan to a XXXX XXXX XXXX, then wholesaled to another debt company called, XXXX XXXX XXXX XXXX then resold to XXXX XXXX, and finally the loan should ve came to XXXX and XXXX Disability Agency that would ve closed all accounts, yet were never received.
Consumer complaint received 2019-11-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MS)

In XXXX of 2019 XXXX XXXX XX/XX/XXXX apparently sold my account to CitizensOne Home Loans. I was not given forwarning of this transaction. I was notified after the " sale '' had been completed. I " attempted '' to make my regularly scheduled payment. Apparently the payment was not processed properly. Almost immediately I began to receive written and phone notifications that I was delinquent on my account. I made several attempts to make phone contact with CitizensOne only to be placed.on automated holdnfor up to 30 minutes before terminated each call. 

I made attempts to make payment through the web application portal the company claims to provide only to be notified that while I am in default or delinquent I may not use this portal. This to me is refusal of payment. During a phone call that was actually answered I was informed I had to give financial information over the phone in order to clear up the issue. This is not only an unsafe practice but no reputable company makes this demand. On XX/XX/2019 I was able to make contact by phone. I spoke with a company employee named XXXX. XXXX advised that I could ignore the written threats of foreclosure I had received as they were not serious in nature. I advised XXXX that I take the written threats seriously and was actively seeking legal counsel. I advised XXXX that I would be more than willing to make larger monthly payments until this issue could be rectified. This proposal was rejected. I was advised to make a payment of the alleged arrears in full. Again I was advised that I needed to do so by giving financial information over the phone. XXXX advised that the issue of the unprocessed payment in XXXX was not something that could be rectified other than for me to make the account current by payment in full. I made the regularity scheduled XXXX payment by cashier 's check mailed to the processing center via the payment stub provided by CitizensOne.  XXXX advised that this was a bad idea. 

On XX/XX/2019 I made a payment to bring the account into " Compliance '' through the web application portal. On XX/XX/XXXX I received a packet in the mail with information for debtors in default. I also recieved another letter advising I am in default and threatening foreclosure. 

I find the actions of CitizensOne questionable at best and suspect that one or more of their business practices could constitute fraud. I would request this agency to begin an audit into the business practices of CitizensOne Home Loans.
Consumer complaint received 2019-11-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC (IL)

This company reported a debt on my credit report without notifying me of this debt. it was previoulsy with another company that done the same, This was worked out in good faith with the original creditor. I was also not notified that this debt would be reinserted on my report within 5 days As I was supposed to be.
Consumer complaint received 2019-11-21
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)

I have been the victim of identity theft and medical fraud. XXXX  and Equifax ( who exposed my personal information in the data breach ) have left collection accounts on my reports that I have submitted to the police and submitted subsequent reports to both bureaus. They know I am an identity theft victim, yet continue to post the derogatory information from " XXXX XXXX " who also has been reported to the FTC for their actions. The fraudulent information remains on both reports, and I can get no resolution. XXXX  gave me no issues about this, did the right thing, and promptly removed the fraudulent information.