davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I found out in XXXX that I was being charged a fee card security by Paypal that I had no idea about since I opened the credit card in XXXX. 
It was well hidden so that you don't see the charge on your transaction and I often time looked, and I managed to see this fee that has been applied to my account when I downloaded my credit card account statement. 
Important to say not once was I notified of this service, else I would have cancelled sooner. 
I requested a refund because I never signed up for this Card security with PayPal credit card and I was informed Its past XXXX per their terms and conditions. 
This is a lot of fee I have being paying without my consent and knowledge. Please help in getting a Refund
Consumer complaint received 2022-09-21
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. (TX)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

Every month I sent in two money orders for some reason PHH Mortgage do not record but one money order they put the other total in suspense, I have proof of the money orders every month for some reason they do not count but one money order, this has been going on for years, they put me in foreclosure two years ago because of the same thing they're doing, every month they say that I am missing one money order. The money orders goes to suspension they will not pull it down though it is the total of my monthly payment I need help thank you XXXXXXXX XXXX.
Consumer complaint received 2022-02-08
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: EQUIFAX, INC. (TX)

After reviewing my credit report, I am not happy to see the below items that are still showing in there even after your investigation. Identity theft has happened to me. I meet all of the requirements for the Block and Removal of information on my consumer report that resulted from identity theft under 15 USC 1681c-2.
Consumer complaint received 2020-11-09
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. (MI)

XXXX XXXX is reporting multiple lates on a current account with the credit limit of {$300.00}. They have reported to the credit bureaus late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and has not supplied any proof to me. There is no proof of documents from the creditor or the credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

I was offered a cash advance on my XXXX XXXX XXXX credit card and chose to borrow {$10000.00} as a cash advance to make a purchase. 

My credit score was XXXX before this transaction. I have not even had a first payment and this single transaction forced my credit score down to XXXX. This impacts my future borrowing capability and will increase interest rates. 

No other financial information on my accounts has changed. 

The change is egregious and no disclosure was made to the potential impact. I have contacted XXXX XXXX XXXX and Equifax and received poor treatment and a total failure to explain why such a massive impact to my credit.
Consumer complaint received 2020-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (PA)

Credence RM is sending me letters stating I owe XXXX-XXXX  money which is the amount of {$1000.00} but have failed to verify the debt and amount that I owe. I sent a certified letter asking for verification and they have failed to do so.
Consumer complaint received 2021-07-07
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. (MS)

I've contacted XXXX, Transunion, and XXXX  multiple times about fraudulent information that is being reported on my credit profile. I've have told them that these accounts and records do not belong to me and provided them with an FTC report as well as a deletion letter from XXXX XXXX. These companies have ignored my complaints and have continue to report these items. FCRA section 605 B states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

These companies have violated section 605 B and this is my last attempt to rectify the situation. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Consumer complaint received 2020-09-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I sent a letter to your company for help dated XX/XX/XXXX, because I applied a Loan Modification Reduction of Principal in XXXX to XXXX XXXX XXXX because the property decline in value and this is our primary residence.The original Principal balance in XXXX when I bought the property was {$600.00}. The Loan was transferred to Carrington Mortgage Servicing and. I initiate applying a Loan Modification Reduction of Principal I received a Monthly Bill Statement and I am making a payment of XXXX for the month of XX/XX/XXXX and for the month of XX/XX/XXXX {$1800.00}. My outstanding balance is {$330000.00} and I made a total payment of {$340000.00} based on the Statement I received from XXXX XXXX XXXX. The Market Value is {$420000.00} and instead of helping me Carrington Mortgage Services denied my application and close my file and put my property in Auction and sold my property back to XXXX XXXX XXXX XXXX XXXXXXXX and make a profit of {$88.00} XXXX and I did not get a single XXXX. 

I am asking your full and kind consideration to help me please in this matter. Please refer to my letter I sent to your company CFPB dated XXXX XXXXThank you. 

Respectfully yours XXXX XXXX XXXX
Consumer complaint received 2022-11-05
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

It is my understanding that child support is a Judgement handed down from the courts, so i'm trying to figure out why it's being reported on my credit file.
Consumer complaint received 2021-07-07
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. (LA)

On XX/XX/2021, I pulled my credit reports to check my scores. When I pulled my report I noticed fraudulent accounts and inquiries on my reports that I did NOT authorize or know anything about.
Consumer complaint received 2021-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mountain Run Solutions, LLC (AZ)

I filed chapter XXXX bankruptcy in 2020 and it was discharged XX/XX/2020 Mountain Run whom I have never done business with keeps reporting debt in my XXXX report. I have asked them to removed it and asked XXXX to remove it I have never done any business with mountain run I did some digging and they may have purchased a debt already written off in my bankruptcy which is XXXX XXXX and they did XXXX was written off in chapter XXXX so now they mountain is reporting the debt under there name a collection acct past due Ive asked them to delete it Ive had no dealing with them And XXXX was in the bankruptcy chapt XXXX already
Consumer complaint received 2021-01-26
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. (TN)

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Consumer complaint received 2020-11-17
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (GA)

I disputed the late payments that are being reported on my credit report on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. The creditor refused to validate and update numerous accounts and continues to report the incorrect information to all three credit bureaus XXXX, XXXX  and XXXX. I was enrolled in XXXX XXXX status during the time that the late payments were being reported to the credit bureaus.
Consumer complaint received 2020-11-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (GA)

I started a cashout refinance option with Rocket Mortgage in XX/XX/2020 and during the process I was told that I needed an appraisal. So, Rocket Mortgage gave me the contact information for an appraisal. The appraisal information was sent to Rocket Mortgage and I was approved to proceed from XXXX XXXX with XXXX. The initial estimate for the appraisal was {$500.00} and I paid {$500.00} to Rocket Mortgage in XX/XX/2020. When I reviewed my paperwork, I saw the appraisal fee had been included in my loan amount for Services. I brought this to my loan officer 's attention to say I've already paid this so this should not be on there. He agreed and they included a {$500.00} credit to offset this fee. When I received my closing paperwork, on the day of closing, the appraisal fee was now {$710.00}. The closing attorney said to call the mortgage company the next day and I contacted my loan officer and he said there was nothing he could do for me to call customer service. Customer service tells me that the {$500.00} was only an estimate. I spoke to a different person and they said that there was a modification to my appraisal. 
I said, what modification? No one can answer me. Today I spoke to a different person and they tell me that my appraisal was expiring so they need a revision? I guess to make sure the house was still here? No one came back out to the house to do a second visit. And there's a difference between expired and expiring. I feel like I was misled or I'm being ripped off now. For the original charge I was given a chance to accept those charges but not for this modification for what I'm still not sure. It wasn't my fault the closing took forever, but yet they have added this fee into my loan balance.
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have literally only made two charges with my card since my account was opened. I have tried multiple times to get this issue resolved but customer service representatives were no help. Someone was uses my card through my mobile app.I have tried to get my password changed, but no one can understand me. You can absolutely log into the mobile app and view your card. You do not need a ssn or password!!
Consumer complaint received 2020-08-19
Product: Credit card or prepaid 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: CITIBANK, N.A. (CA)

XX/XX/2020, I used Citi Costco credit card to purchase 3 international air tickets to XXXXXXXX XXXX XXXX, CA @ this online travel agency XXXX. The Covid shut down the United Airline cancelled my direct flights. On XX/XX/XXXX, this online travel agency emailed me stating the airline approved my refund but then 1 week later emailing me asking me to pay more $ $ for the new travel date and I must complete the travel byXX/XX/XXXX. 

Since this travel agency is deceptively manipulating offering what is completely different from the airline refund policy and XXXX XXXX XXXX, I escalated my charge to Citi Costo on XX/XX/XXXX. Since XX/XX/XXXX, Citi has lied to me numerous times, they issue conditional credit when I first file the dispute then reversing the credit when the merchant respond, then when I submitted to Citi for the information they asked they sent me 3 letters that they are re-issuing the conditional credits for 3 charges which in truth they only re-issue 1 conditional credit. Citi told me on their recorded call that my case won the Visa arbitration and I will see all the permanent credit by end of XX/XX/XXXX, but then 1 week later they said the merchant exploretrip refused to honor the request for 1 remaining tickets and I have to work w/the merchant to get it back. 

So I called the airline, they helped call this merchant exploretrip on XX/XX/XXXX, the merchant manager promise me i will see the remaining refund {$620.00} back in 30 days, after 30 days I still don't see the refund, so the airline calling them w/me again the merchant said 10 more days. XX/XX/XXXX, the merchant is once again emailing me that they tried to process the refund but cant due to there's a charge back on their account from the bank .... 

My dispute case supposed to close by XX/XX/XXXX, by now Citi still has it open. I don't know who have my $ XXXX Citi charged back the merchant and did not apply it to my account or the merchant is lying. I have been giving the around by these two. 

Per United airline they followed the XXXX XXXX  and issue the full refund back to the merchant for their bulk tickets already. Since I paid my tickets to this merchant exploretrip.com they are the one must issue the refund. 

Per CFPB /FTC laws that merchant are not allowed to keep consumer $ $ when service or products is not delivered. Citi and this merchant are so unethical and lying so many time. I need CFPB to help me w/Citi and ask why my dispute is still open and the merchant emailed me they received the charged back on their account. I've been calling and waiting for Citi to respond and heard nothing back from them. 

Citi Dispute Case still open after issued a permanent credit # XXXX ( for {$810.00} ) not showing balance in my card AND case # XXXX ( for {$620.00} ) still open and the balance is still showing on my card.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CBE Group, Inc. (UT)

CBE Group is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt, I called immediately and paid the debt off. I never received any phone calls, letters or notices about this debt and I'm pretty sure that violates my 30 day right to dispute.
Consumer complaint received 2020-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

I have written this company that has put a debt on my credit report that has been identified as identity theft and was sold Credence Management by XXXX XXXX XXXX. I also advised them that if XXXX XXXX XXXX have validated this debt to please send me the information that validates that the originator creditor validated this debt. Instead I was sent an account summary ( ATTACHED ). An account summary validates an amount due, but not validate or verify that the debt belongs to the consumer. They sent me an account summary of charges to validate a debt. I am absolutely certain that the item I disputed is incorrect as of why it was initially removed and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 )  to request a complete description of all methods used to investigate my aforementioned dispute. Information requested by your company was ignored. You have continued to cause more damages on my well-being of life. 
As per Section FCRA 609 ( e ) ( 15 U.S.C. 1681g ( 1 ) ), I am entitled to see the source of all the information, which is the original contract that contains my signature and the cashed checks used for bill payment. I do not have a contract with Credence Management company and have never done any business with them and I will sue them. If they have paid for this debt it is another reason why its against to law to collect on a debt that has been purchased, deemed as identity theft, or when there is no contract between you and the consumer. 
Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation between the debtor and Credence Management to pay debt collector which will give your company jurisdiction to report this debt on my credit. Regardless of what type of company you are, you still have to have a contract between either you and I or the original creditor and you, that you give you obligation to try and collect a debt. If you didn't purchase this debt, then you surely have an obligation letter to collect. You have not provided anything regarding to the proof of claim request by affidavit from the commissioner of the court with matching government issued identification. Also, the cease letter was strictly for collection and has nothing to do with the proof of claim requested. All information requested by affidavit which is not to be treated as normal communication per FDCPA. This is your final notice are a commercial lien will be filed against you and your company for dishonor, no jurisdiction and punitive damages.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

On XX/XX/XXXX XXXX XXXX did a hard pull inquiry on my equifax credit report in which I didn't authorize. I didn't have XXXX XXXX at this time. I wrote to XXXX XXXX  and they wrote me a letter which I have dated XX/XX/XXXX that they will remove this hard inquiry from my credit report. Months have gone by and I have tried to reach out to XXXX XXXX again and no one from the company replies. I tried to reach out to Equifax and supplied them a copy of the letter from XXXX XXXX and they refuse to remove the hard inquiry stating that it is factual. I know that this inquiry will drop off in about 6 months however, the reason why I am submitting this is because it isn't right due to the fact that I never authorized this nor did I have this service. I am asking that this inquiry be remove from my Equifax Credit report since I never authorized this. 

My name was changed after I got married from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX. I have supplied my change of name certificate in here too to clear up the confusion.