davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-08
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: Experian Information Solutions Inc. (FL)

I HAVE SEVERAL HARD INQUIRIES ON MY CREDIT REPORT THAT DONT BELONG TO ME! SOMEONE IS TRYING LIKE CRAZY TO APPLY FOR STUFF IN MY NAME! 

EXPERIAN : - XXXX/XXXX  XX/XX/2018 XXXX  - XXXX XXXX XXXX XX/XX/2018 Bank Credit Cards -  XXXX  XX/XX/2018 Finance, personal XXXX : - XXXX  XXXX XXXX  XX/XX/2018 Bank Credit Cards - XXXX - XXXX XX/XX/2018 Miscellaneous Utilities - XXXX XXXX XX/XX/2018 Telephone Companies - XXXX/XXXX XX/XX/2018 Personal Loans Cos. 
- XXXX/XXXX  XX/XX/2018 National Credit Card Cos. 

XXXX : - XXXX  XXXX XXXX XX/XX/2018 Bank Credit Cards - XXXX  XX/XX/2018 Credit card and travel / entertainment companies - XXXX XX/XX/2018 Utilities and fuel - XXXX XX/XX/2018 Utilities and fuel - XXXX XX/XX/2018 Utilities and fuel
Consumer complaint received 2018-12-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

American adjustment bureau continues to report to all 3 credit reporting agency 's on 3 different amounts and medical original debt. I have requested confirmation from the collection company to verify that I received a product or service, proof that they gave a contract to collect in behalf of original creditor and or an assignment of debt bought. I have only received a printed copy of there statement and noting that shows my id, signed paper. Any hospital or medical always asks for id. Also they have said I am unable to locate yet reside at same address as if XX/XX/2007.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Innovate Managed Holdings, LLC (GA)

Been disputing a particular account on my XXXX report since XXXX every 30-45 days for Innovate Loan Service . This account is being reported as an open account from XXXX. This is not my account nor do I have any car for this loan it is now XXXX  and these people are inaccurately reporting information that I have tried to have deleted. Ive emailed XXXX XXXX and XXXX personally of XXXX even proof of me filing serval disputes. I also hired a law firm and they were able to even get a response from XXXX. This has cost me so much emotional and physical distress over the course of this year. Delete this inaccurate and incorrect information the company doesnt even exist! The number and address listed is non working. The place in XXXXXXXX XXXX is not there business as listed either I went there! I live in XXXXXXXX XXXX
Consumer complaint received 2022-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MO)

I was a first time homebuyer in XXXX of XXXX. I received my first property tax bill on XX/XX/XXXX in the mail. Not knowing my mortgage company was paying this tax bill ( since I didn't remember about my escrow account ) I paid the XXXX XXXX XXXX XXXX XXXX XXXX bill the same day I received it in the mail. 

I submitted payment for this tax bill on the county website in the amount of {$2000.00} and received the payment confirmation via email ( attached to this complaint ) showing the amount went through and came out of my account. 

The mortgage company then submitted the tax payment in the amount of {$2000.00} to the county and received their money back as the county had already processed my payment. I have had 3 phone calls with the mortgage company XXXX Freedom Mortgage ) to resolve this issue in receiving my tax payment back to my name in the form of check, or even a one-time balance paid to my mortgage principal. 

All phone calls have led to them stating there is not a positive balance in my escrow account to pay me back ... That is because after the initial payment they made was refunded to them, they didn't refund my account. Nor did the reach out to send me my tax payment that I personally paid. 

They are refusing to handle this issue in the proper form of normal customer service. As a consumer of their product ( not by choice as my mortgage was purchased by them in XXXX of XXXX ) I feel they are holding my money that they were supposed to pay to their personal benefit.
Consumer complaint received 2018-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

The company that I am having problems with is Experian. Over a year ago I had to declare bankruptcy. When I filed bankruptcy it was supposed to clear out my debt and give me a restart on my credit. I understand the bankruptcy will be on my credit report for up to 10 years. 

The problem is Experian is including 10 accounts that I was not able to pay and showing them as delinquent. These accounts were settled with my bankruptcy and they should not be included in my credit report. 

I do not have this problem with XXXX or with XXXX XXXX. What can I do to get Experian to remove those 10 accounts that were more than 60 days behind from my credit report?
Consumer complaint received 2018-12-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MCLEAN MORTGAGE CORPORATION (WV)

XX/XX/2018 I obtained a pre approval for a conventional mortgage on a new build home in XXXX WV. The pre approval was obtained at behest of the realtor who unbeknown to me was NOT licensed for real estate in West Virginia at the time. When I first called the Realtor her website and she stated she was licensed in Virginia and West Virginia. She referred me to McClean Mortgage to obtain a pre- approval. She did not at the time disclose that they shared office space and financial affiliation with this lender and lender representative by Name of XXXX XXXX. The weekend of XX/XX/2018 I met the realtor at a new home build that I requested to see. The realtor was XXXX XXXX. Ms. XXXX arrived with a gentleman she introduced as her husband. We met with Builders representative and went over details of home and build information. The Next day we again met with builders representative and when I was asked about financing the Realtors husband XXXX XXXX interrupted me as I was beginning to answer the question and informed the builders representative that I had already gotten approval for financing through another company. As this was first time I was building a home I was taken aback and was not sure how to respond. I felt a little railroaded. They would not allow me to speak with another lender and threw paperwork in front of me to sign immediately using their lender. Again this was happening very fast and I was taken off guard. I then spoke with the Lender Rep XXXX XXXX of McClean Mortgage and was I feel I was bullied into a RATE LOCK. It was not explained well and I made multiple attempts by phone and email to get more explanation but was told I had to send check for XXXX immediately to the realtor by certified mail the next day. I did this and then was told that 60 days that rate would be locked. This was last communication I had with the Lender McClean Mortgage and XXXX XXXX until XX/XX/2018 when I continued to complain by email as to when rate would be looked at and locked and received no answers. Again heard nothing until the builders representative and myself both attempted to reach the lender, XXXX at the end of XXXX and after multiple conversations found that the rate lock was never done and lender took my money and never monitored the rates as they are supposed to do. They then wanted additional money to extend the rate lock but the builders representative spoke to them and they backed off of that. Also We then got the loan disclosure statement which the numbers were way off many numerical mistakes were made and the transfer taxes were not listed either. She acknowledged the mistakes and tried to fix them but by now I was very uncomfortable with the lack of communication and mistakes made. The stress it caused was immense and not necessary. They could not even get right numbers on disclosure statements. I could no longer trust them so I went with a different lender. Emails and financial forms and text messages attached.
Consumer complaint received 2018-12-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

Ocwen responded to a complaint with the CFPB with errors of information. They stated that documentst are located in XXXX count records and they have mail me copies of the signed modification for XX/XX/2014 and XX/XX/2018. Ocwen stated they own the loan and the title of transfers are located in XXXX County and they have sent them to me. I have not received the documentation.
I have asked OCWEN to provide the Lender on the home being they can not foreclose until they do. The Lenders they provied one was seized by the Federal Government XXXX XXXX The other Lender they provided is no longer in business XXXX and they sold the loan.

I asking for all documentation to be sent to the CFPB as an attachment before OCWEN can move to foreclose on XX/XX/XXXX or XX/XX/XXXX 1 ) title of transfers from the orgination of the loan I show many possible times this loan has been sold without a chain of title. They own the loan they need to show every title up til OCWEN purchased the home 2 ) I am asking for the them to send to the CFPB the modification documentation showing we have an agreement where I reviewed the documentation of a new modificaiton contract with my signature. I am requesting XX/XX/XXXX signed documentation. I am requesting XX/XX/XXXX signed documentation of agreement. I agreed to the modificaiton.

3 ) Once again OCWEN is a debt collector trying to collect from an old debt that is pass the statuse of limitation. I am asking to OCWEN to show an active lender who has this loan. A trust is not an active lender. XXXX XXXX is not in my orginal documents and can not have the trust for the loan, As XXXX XXXX was and is still the trustee for the LOAN. I understand transfer of assignments, but not transfers of TRUST. Explain how a trust closes and then reopen and is assgined without my approval or signature being I had to approve it from the start once a trust is closed it is closed.

4 ) PLEASE provide the FDIC agent/department who assigned the Loan to OCWEN. The transfer of assignments happen in XX/XX/2015 9 plus years after XXXX an a transfer must be done within 30-60 days. Please explain?
Consumer complaint received 2022-05-25
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. (AZ)

I have 3 inquiries that I did not authorize and and have 1 account with inaccurate charge off status and a XXXX  XXXX listing that is not mine and the county court house says they do not report to credit bureas so this must be deleted. See letter that is very detailed on these accounts
Consumer complaint received 2024-11-29
Product: Credit 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: Prosper Marketplace, Inc. (NY)

I prepay all of my bills in full whenever possible, without consideration for but always weeks before, and usually almost immediately- but never late. I don't send payments without having the funds, as I don't make purchases without knowing when I will pay for them in full. I made two payments on this credit card through the app as I do with this and all of my other cards. I checked and make sure on the card and saw that there had been returns. I checked my bank account to see if I had been hacked, and all of the money was still there. My bank returned the two payments because the credit card app submitted a wrong account number. I have been paying these bills for months and always on the app, and I have never changed the account number as I have had this account for 46 years. There was clearly a glitch in the app. I called XXXXXXXX XXXX where my account was and I merge them with Prosper the card company, and it was confirmed that I had the money in the account. The Prosper person understood that it was ridiculous that I was going to the app and change my account number. They put the transaction through again while we're on the phone, it went through without issue, without me doing anything to the account number in the app. Prosper has now reduced my dramatically reduced my credit limit, and is saying I need to pay a higher fee for this card effective next month. They're taking these actions as though my account was in arrears or that this was caused by me. I can't dump the card because I don't want to impact my credit, although they have already impacted it by reducing the limit. This is grossly unfair! The rep for prosper acknowledge they can see how I pay the bill early all the time. It says though I'm being punished for trying to keep my bill at XXXX dollars.
Consumer complaint received 2021-04-22
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. (NV)

I was a victim of identity theft. XXXX XXXX leaked my information and someone opened a XXXX XXXX XXXX card. I was notified and cancelled the card and froze my credit. I also filed an identity theft report with the FTC. XXXX XXXX XXXX cancelled my account and said because it was fraudulent they would take it off my credit report. I disputed this card on my credit report and experian sided with them and will not remove this card from my credit report.
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (TX)

Accounts that's be reported are not mines and I asked verification of the accounts and I haven't received any showing my signature or the original contract also different spelling of my name also another social security number that's not mines shows on my report Some items that was deleted still show on my credit report
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2021-04-22
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. (GA)

The bankruptcy has reached a statute of limitations and should have been removed and delete it from my report. They responded with a latest time that they had verified the item through XXXX they could not confirm this. If they can not reveal how they truly verify this item then they need to delete and remove this account.If its not 100 % accurate then it must be removed and delete it from my credit report. If it is not 100 % accurate then it must be removed from my credit report.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CO)

I have always paid my account on time every month through the website that the company provides and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (CA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX  XXXX Balance : {$9900.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have no knowledge of these hard inquiries. The hard inquiries are a result of identity theft and must be removed no later than 4 business days. As per 15 usc 1681c-2 block of information resulting from identity theft. 
Four attempts have been made to cure fraudulent reporting : XX/XX/2023, XX/XX/2023, XXXX XXXX another business location, XX/XX/2023. ( See attachment ) XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXXXXXX XXXX  ( Bank ) XX/XX/2XXXX XXXX  XXXX ( Bank ) XX/XX/2023 XXXXXXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX
Consumer complaint received 2021-04-22
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. (SC)

date XX/XX/14 looking at my credit report you are reporting inaccurate information from XXXX. 1st you are listing this account as a CHARGE OFF not a repossession which is a violation. 2nd the high balance isnt the same balance. XXXX/transunion is reporting {$21000.00} and XXXX  is reporting {$4600.00}. if you all are getting the information from the same collector why are the numbers different? 
this needs to be deleted off all 3 of my credit reports immediately. Also after numerous times of asking a representative they could never VALIDATE this inaccurate debt. 

plz see attachment below
Consumer complaint received 2022-10-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC. (MD)

The creditor Santander was supposed to remove debt from all trade lines as a result of a class action suit { Santander multi state ag settlement } for bad practices. I am unable to contact the correct department to have this debt removed. When i call Santander the representative try to collect the debt. I received the cash potion of the settlement but have been unsuccessful in having the debt removed from my credit report. The creditor has the debt listed on my credit report as charged off and updated monthly in an effort to further damage my credit score.
Consumer complaint received 2021-11-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sonnenschein Financial Services, Inc. (IN)

Today XX/XX/XXXX I received a collection notice from Sonnenschein financial stating that I owe {$230.00} for a red light violation ticket that was issued on XX/XX/XXXX in XXXX XXXX, IL. Ive received a letter like this last year and I called immediately to rectify the situation when I called last year I did not get a response so I left a voicemail for a representative to call me in the voicemail I stated I received a letter and that I had filed chapter XXXX bankruptcy I left my name and contact number and I never got a call back. Later in that week I tried to call the company to check the status because I hadnt heard anything back and no one picked up the phone again. Since I NEVER heard back from Sonnenshein I assumed that this was an error on their part and the issue was corrected. Fast forward to a year or so later and I got yet again another notice in the mail. I had not gotten any other letters about this since that one last year. The letter states in bold I have ignored their previous reminders concerning my indebtedness and this is simply not true this company is ignoring and harassing me. I called today XX/XX/XXXX to get this matter situated and the first of many representatives I spoke to the first being XXXX XXXX was very rude and I knowledgeable about the situation and she hung up on me because she didnt like the fact I was trying to tell her I did not owe a debt and would like to stop receiving correspondence from this company. She was very unprofessional. After XXXX XXXX hung up on me I had to call again and I got XXXX XXXX and I asked him and when I informed him Im trying to get the situation taken care of miraculously the call dropped or he hung up I dont really know. Again I had to call back because by this time no one had taken the bankruptcy information according to XXXX that she needed. So I called again and this person didnt state his name but I explained that I need to submit my bankruptcy information and he transferred me to XXXX XXXX XXXX voicemail I got so I left a voicemail. I called again and finally got XXXX XXXX again and gave her my bankruptcy case number and the district I filed in. After XXXX supposedly took the information down I asked to speak to a XXXX and she said she can transfer me to the supervisor and I said yes I would like that. XXXX proceeds to tell me the supervisor isnt available and I asked to be transferred to his or her voicemail so I can leave a message she said okay and she hung up AGAIN. This whole ordeal is so frustrating and is causing me great XXXX. I filed bankruptcy XXXX years ago so it is not fresh I sent out all correspondence to every collector that I filed bankruptcy so Im not understanding why XXXX years later I am still being harassed! I can not stop crying from this horrible experience.