davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

Quick Loans/Rocket Mortgage - I refinanced with them in XXXX 2019. They had presented to me payment numbers which lowered my monthly payment to {$2600.00} from XXXX. Saving me {$400.00} every month. I planned my finances around that and agreed to refinance with them. After 2 months, they said my payment was going up to {$3000.00} since the property taxes had and home insurance had increased. BUT the home insurance had gone up by only a couple of hundred dollars and the property taxes HAD NOT gone up. 
I complained and they said that they made a mistake. The bottom line was they engaged a third party to give them property tax information, which is publicly available. This process enabled them to artificially lower the monthly payment so I would refinance. If they had presented me numbers which showed a saving of {$40.00} per month, I would not have refinanced. They agreed to spread the escrow payment over 2 years BUT after that the mortgage would still be more than {$2800.00} per month. 
Even though the property tax and insurance are my responsibility, everything indicates that this company engaged in malpractice, presented higher savings ( even though that was not correct ) to get a customer. There should be a federal investigation into their practices and find out how many more customers are in the same boat. I am sure there will be many more - a mortgage company just does not make the mistake of miscalculating a mortgage.
Consumer complaint received 2022-07-12
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. (CA)

I am appalled to see that the Accounts I have been disputing were not corrected after acquiring an updated copy of my Credit Report. I have been sending countless letters to the Credit Bureuas urging them to correct the accounts from erroneous reporting, however, I am disappointed to see that the Credit Bureaus have done nothing. The last letter I sent to the Credit Bureaus on XX/XX/XXXX requests that the Items I believe report inaccurate information must be corrected. The Credit Bureaus never responded to the Letters I previously Sent before XX/XX/XXXX which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now : XXXX XXXX XXXX DE XXXX Balance {$1200.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$200.00} Date opened XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance {$1800.00} Date opened XX/XX/XXXX XXXX
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (NY)

In XX/XX/XXXX, I entered into a credit agreement with XXXX credit card company for a 24 month period. The initial amount of the loan was {$18000.00} for an initial interest free period. The remaining balance in XX/XX/XXXX was {$6500.00}. At the end of the 24 month period an interest rate of {$6300.00} was applied. There was a reminder on the last statement that the date for the payment in full was XXXX XX/XX/XXXX, however, in the midst of the Covid pandemic ( with colleagues and childrens school impacted ) I did miss the deadline in the statement which I never opened. I have offered to make the XXXX balance payment in full 11 days late to avoid the exorbitant interest charges but Comenity bank are not willing to entertain it at all despite escalation. This seems very unlike all other institutions most of whom offer flexibility given the global pandemic we find ourselves in.
Consumer complaint received 2020-08-28
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: OneMain Finance Corporation (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XXXX CONVERGENT OUTSOURCING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by  identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt  in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CONVERGENT OUTSOURCING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me  Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-08-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

On XX/XX/XXXX at XXXX XXXX MST I sent an international money transfer with Moneygram Online for a total of {$1000.00} USD to a receiver in XXXX. She received the money the following day in her account. For some reason without me requesting it and no issues with the funds from my bank account, Moneygram decided to cancel the transaction over two months later on XX/XX/2020. This has caused the receivers bank account to be suspended and Moneygram said they had no option but to refund me the money even though I never asked for a refund and that it is more than two months after the original transaction took place. 

This has caused undue stress on both the sender and receiver, for one I had to send a new {$1000.00} transfer to XXXX on XX/XX/2020, not using Moneygram at a cost of {$17.00} to me. 

The receiver still has her account suspended by her bank and Moneygram has offered no support or explanation of why this transaction was canceled more than two months after successfully being deposited in her account. 

The phone support claims that the financial institution rejected it but her bank is claiming moneygram canceled it ... the money was in her account and processed fine until Moneygram tried to take the money more than 2 months after the transaction was successful. 

I included in the attachments which have the reference numbers and the dates of the transactions.
Consumer complaint received 2020-08-28
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. (WI)

Recently I discovered after reviewing my credit bureau report that XXXX XXXX XXXX, a payday loan store and original creditor sold and charged off debt in the amount of {$5400.00} to ( XXXX ) XXXX XXXX XXXX XXXX XXXX. based on information obtained from my report this account was sold XX/XX/2016 and in accordance with section 809 validating debts of the fair debt collection practices act requires proof of the debt in writing. I have never received validation in conjunction with of the FCRA guidelines defined yet it is being reported on my credit bureau as verified as accurate ; no verification has been provided to demonstrate this company is licensed in my state to collect a debt and has been disputed with all three credit bureaus despite my request to obtain validation no response has been received. The information is being reported to all three credit reporting agencies is inaccurate and violates the FCRA ( S ) 1681 as 2.

This item remaining on my credit report is in violation of federal law. ( NCA ) has failed to provide me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) and section 611 ( 5 ) ( A ) ( a consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA requires prompt deletion of all information which can not be verified. ( See attachment ). According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) are required by federal law to verify through the physical verification of the original signed consumer contract that all accounts posted on the credit report. in accordance with section 809 validating debts of the fair debt collection practices act requires XXXX XXXXXXXX XXXX to provide information concerning the debt is validated which is in direct violation of FCRA 1681S 2.
Consumer complaint received 2022-07-12
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. (CA)

Regardless of the previous written request, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given my attempt to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : XXXX XXXX XXXX XXXX  XXXX Late Dates XXXX
Consumer complaint received 2022-04-27
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)

On XX/XX/2022 I received a response from Experian dated XX/XX/2022 forwarded through the attorney general 's office about inaccurate info on my consumer credit report. Experian indicated that both fraudulent accounts " XXXX XXXXXXXX XXXX '' and " XXXX '' are currently not listed on my credit report. While this is accurate for " XXXX XXXX XXXX '' which has been removed from my consumer credit report, however the account " XXXX '' is currently listed on my consumer credit report. This is indeed another " LIE '' from Experian stating that an inaccurate and fraudulent account is NOT listed on my credit report when it clearly is. I have submitted several police reports and FTC reports and the account " XXXX '' is still showing on my consumer credit report and is causing severe financial hardship. I am in the process of trying to refinance an Auto loan due to financial difficulties. XXXX XXXX XXXX XXXX obtained a copy of my credit report today on XX/XX/2022 and has declined my refinance loan because of the fraudulent account " XXXX '' listed on my consumer credit report. Not only has EXPERIAN lied again on my consumer credit report but they have failed to block the fraudulent account in a timely manner according to the Fairs Credit Act 605b. Because of this failed action on Experian 's behalf my financial hardship is now extremely severe. 



I have attached a current copy of my Experian Consumer Report showing the fraudulent account XXXX  which is reporting negatively and caused me severe financial hardship. I have also attached a copy of Experience response which was forwarded to me by XXXX XXXX at the Office of Attorney General Consumer protection Division.
Consumer complaint received 2021-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-28
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. (WI)

Recently I discovered after reviewing my credit bureau report that XXXX XXXX XXXX, a payday loan store and original creditor sold and charged off debt in the amount of {$5400.00} to ( XXXX ) XXXX XXXX XXXX XXXX XXXX. based on information obtained from my report this account was sold XX/XX/2016 and in accordance with section 809 validating debts of the fair debt collection practices act requires proof of the debt in writing. I have never received validation in conjunction with of the FCRA guidelines defined yet it is being reported on my credit bureau as verified as accurate ; no verification has been provided to demonstrate this company is licensed in my state to collect a debt and has been disputed with all three credit bureaus despite my request to obtain validation no response has been received. The information is being reported to all three credit reporting agencies is inaccurate and violates the FCRA ( S ) 1681 as 2.

This item remaining on my credit report is in violation of federal law. ( XXXX ) has failed to provide me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) and section 611 ( 5 ) ( A ) ( a consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA requires prompt deletion of all information which can not be verified. ( See attachment ). According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) are required by federal law to verify through the physical verification of the original signed consumer contract that all accounts posted on the credit report. in accordance with section 809 validating debts of the fair debt collection practices act requires XXXXXXXX XXXX XXXX to provide information concerning the debt is validated which is in direct violation of FCRA 1681S 2.
Consumer complaint received 2020-08-27
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. (MN)

XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Automobile dealers, new Contact Information XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Automobile dealers, new Contact Information XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Equipment leasing Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Truck dealers Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Leasing and rental reseller Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Truck dealers Contact Information XXXX XXXX XXXX XXXX XXXX inquires not mine
Consumer complaint received 2022-07-12
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. (CA)

Regardless of the previous written request, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX/TransUnion/XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given my attempt to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : XXXX XXXX XXXX XXXX  XXXX Late Dates XXXX
Consumer complaint received 2020-08-28
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. (NJ)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Even during global pandemic, your company reports late payment during these trying times. I was shocked when I reviewed my credit report and found late payment on XXXX of XXXX for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-07-12
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)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX CA XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XXXX My name is XXXX XXXX XXXX XXXX XXXX have pulled my credit file and I noticed that there are some mistakes that need to be corrected. My name is not XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX. I Noticed there are addresses that do not belong to me. Please delete/remove the following addresses they are wrong : XXXX XXXX XXXX XXXX OH , 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI , XXXX XXXX XXXX XXXX XXXX OH,XXXX. 
I am applying for a new job and the information on file is not correct.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been reaching out to Capital One about several credit cards that have been opened in my name with either a different social security number, date of birth, or address. I have disputed the accounts based on finding out the credit cards were opened in my name. Capital One refuses to remove the accounts and now I can't get any credit with them because they say I had bad credit history with them which is not true.