davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I signed up for TransUnion. It advertises by signing up you get all 3 scores and reports. I signed up paid XXXX it ONLY gave me TransUnion. Then it tried to charge me XXXX more for the other two scores but that's not how it advertised. I called they refused to give me a refund. Rep kept blocking me from speaking to a supervisor. She kept repeating we Are not giving you a refund. I kept saying I've asked several times to speak to a supervisor and you have yet to allow me access to one. Then she said imma put you on hold and she never transferred me to a supervisor. I've attached what their site says when you sign up
Consumer complaint received 2020-11-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (WA)

XX/XX/2020 - Received a call nearly every day from Quicken and finally decided to pick up on this day to get them to stop calling and spoke with an 'Associate Banker '. He shared with us new rates and discussed a possible refinance. 
XXXX - XX/XX/2020 - Did our due diligence and shopped around with multiple lenders to compare rates and products XX/XX/2020 - Came to an agreement with Quicken and received an 'Interest Rate Disclosure - ( Locked Rate Version ) ' with a loan estimate showing a 30-year conventional at 2.99 % with 0.75 % points for our Cash-out refinance. Acknowledged this agreement through their online portal. 
XX/XX/2020 - Signed and provided all necessary documentation through their online portal XX/XX/2020 - Contacted our 'Associate Banker ' asking for status of closing and if there were any issues. He passed us on to the Client Care Specialist team, heard no issues. 
XX/XX/2020 - Received appraisal for expected value of home. 
XX/XX/2020 - Received new Interest Rate Disclosure package increasing closing costs nearly {$25000.00} with no explanation XX/XX/2020 - Contacted Quicken requesting why our costs changed so much XX/XX/2020 - Received a call from a 'Solution Consultant ', explained the situation and he said there was an issue with the pricing we had previously locked in. He said he would get back to us by the end of the week. 
XX/XX/2020 - Solution Consultant emailed us and said he was working with senior leadership and would know more information Monday XX/XX/2020 - Received a new Interest Rate Disclosure package bringing down the closing costs, but still nearly {$7000.00} different from our original locked in agreement. 
Received a call from a Director of Solution Consultants. She said there was an internal error and that they wouldn't be able to give us our original locked in agreement, the 2 % discount points was the lowest she was able to go. 
We got a quote from a competitor and asked if they could meet us halfway and at least match that and bring the discount points to 1.197 %, they said no. 
We researched on their website and found their policy states that these origination fees are in the XXXX tolerance category and can not change, if they do change the lender is liable for the difference. We asked them how they can disregard that policy and they replied with " We are not able to cover anything additional at this time. Im sorry that the wrong expectations were set originally. Ive attempted to cover as much as possible for you. The best offer that we have is what I went over with you and your spouse. '' They then passed us on to their Executive team and we have not heard anything from them yet.
Consumer complaint received 2020-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (GA)

My mortgage servicer, Arvest Central Mortgage, applied a new {$10.00} " fax fee '' on my most recent statement. There were currently two fax fees on my account, one from XXXX which I recognize and am in the process of paying, and this second one. I called Arvest on XX/XX/XXXX and the person I spoke with said that she could not tell how the fee was incurred and followed up with one of her colleagues. She said that she would call me back with more details. I waited close to 24 hours and called again after no follow up. The second Arvest associate I talked with on today XX/XX/XXXX was able to make contact with a colleague who stated that the fee was applied, simply, " in error '' to a number of accounts. She said that it would be " taken care of '', but was unable to do it on the spot and did not state when it would be taken off my account. 

I am quite concerned, and frankly, upset by this type of predatory behavior by Arvest. I asked the associate who I spoke with how this occurred and had no details. She also said it applied to a number of accounts. If I did not call, it is likely that I would have unknowingly paid this illegal and predatory fee. Also I am concerned that all of the other accounts are still being assessed this erroneous fee. I believe that is is utterly inexplicable how Arvest can, at its own discretion, apply illegal and fake fees to accounts and then expect account owners to follow-up and to ensure that the fees are removed. Even worse, there appears to be no penalty to Arvest for engaging in this illegal behavior and I receive no monies in return for damages.
Consumer complaint received 2020-06-25
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. (LA)

XXXX XXXX Other reason successful iconSubmitted XXXX XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Other reason successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful icon filed ftc violations
Consumer complaint received 2020-11-24
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. (IL)

Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Consumer complaint received 2020-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Consumer complaint received 2020-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX, XXXX XXXX of XXXX wired payoff funds to Chase, XXXX and escrow disbursements to XXXX XXXX. On XX/XX/XXXX, XXXX paid off my XXXX and XXXX XXXX acknowledged receipt of tax payment. Chase also paid taxes around this date despite being in contact with XXXX XXXX which created an escrow advance, but they did not post payoff funds on the mortgage, claiming to have only received it on XXXX. On XX/XX/XXXX, Chase transferred my mortgage to XXXX XXXX. On XX/XX/XXXX XXXX paid off the mortgage and are now saying I owe them money for a short payoff. I've contacted XXXX XXXX, XXXX XXXX and both Chase and XXXX and am getting nowhere. I should have a refund, not a shortage.
Consumer complaint received 2020-11-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (DE)

Debt was resolved by insurance company through XXXX XXXX XXXX XXXX. On unknown date. This account or bill was removed and canceled due to it being paid by insurance company. Collection agency does not acknowledge the bill as being paid, make several calls a day and letters sent to my place of residence.
Consumer complaint received 2020-11-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT WORLD SERVICES, INC. (KS)

Thank you for your recent contact dated : XX/XX/XXXX. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the XXXX XXXX and XXXX XXXX of XXXX XXXX XXXX and what actions s/he has taken in relation to this account.
Consumer complaint received 2020-11-17
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XXXX XXXX, 2019, XXXX XX/XX/XXXXadd a hard inquiry on my credit report per XX/XX/XXXX and XX/XX/XXXX. 
On XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXXXX/XX/XXXX andXX/XX/XXXX. 
On XX/XX/2019, CAPITAL ONE add a hard inquiry on my credit report per XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2020-11-24
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. (NY)

I have been disputing XXXX XXXX XXXXXXXX on my credit report for months now. Today I received a letter from XXXX XXXX XXXX stating that I openend this account back in XX/XX/XXXX. First off this is old information ( over 7 years ) and secondly the information they put in this letter is wrong. I did not make any payments after XX/XX/XXXX. I don't no where they are getting there information from but it's wrong. I checked with my bank but due to being over 7 years they are unable to verify from that far back. There was fraudulant activity done on this card back in XXXX. I contacted the bank immediately back then and told them that I did not make these cash advances nor purchases. Today in XXXX this account is still reporting negatively on my credit reports and is affecting my credit score. XXXX XXXX XXXX is stating it will remain on my reports from the date of the charge off. Well they charged it off in XXXX. This is not my issue. I contacted them and told them of the fraud back in XXXX. I want this information removed off all my credit reports.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

I had a home improvement loan with Service Finance opened in XX/XX/XXXX. The loan was for solar panels that never worked. The installing company went out of business shortly after the panels were installed. 
I ran into some financial difficulties and missed two payments. My last payment was XX/XX/XXXX. I missed payments in XX/XX/XXXX and XX/XX/XXXX. My account was reported as charged off by Service Finance in XX/XX/XXXX. XX/XX/XXXX I paid the loan off in full. 
My account was listed with the credit bureaus as charged off. When I paid the full amount I owed of {$14000.00} in XX/XX/XXXX the status was not updated to reflect it was paid in full. It does show a XXXX balance but still has charge off as the status. 
I have called Service Finance several times in an attempt to get the account status updated. Each representative I speak to tells me it is not possible to update the status. 
I am currently trying to purchase a home and the status of this account, since it is a home improvement loan is preventing me from qualifying for the mortgage. I do not expect the late payments to be erased, but the refusal of Service Finance to update this account is causing my family undue harm.
Consumer complaint received 2020-11-24
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. (NY)

I have been disputing XXXX XXXX  XXXX on my credit report for months now. Today I received a letter from XXXX  XXXX XXXX stating that I openend this account back in XX/XX/XXXX. First off this is old information ( over 7 years ) and secondly the information they put in this letter is wrong. I did not make any payments after XX/XX/XXXX. I don't no where they are getting there information from but it's wrong. I checked with my bank but due to being over 7 years they are unable to verify from that far back. There was fraudulant activity done on this card back in XXXX. I contacted the bank immediately back then and told them that I did not make these cash advances nor purchases. Today in XXXX this account is still reporting negatively on my credit reports and is affecting my credit score. XXXX  XXXX XXXX is stating it will remain on my reports from the date of the charge off. Well they charged it off in XXXX. This is not my issue. I contacted them and told them of the fraud back in XXXX. I want this information removed off all my credit reports.
Consumer complaint received 2020-11-24
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. (TN)

I disputed the bankruptcy that is reporting on my credit report to all bureaus and their claim is that the bankruptcy was verified. I sent a letter to the bankruptcy clerk to ask the reporting guidelines and they responded that the courts don't report to the credit bureaus. So with that being said, the credit bureaus is falsely reporting a bankruptcy on my credit report and that is against FCRA Section 611 Subsection 5a
Consumer complaint received 2020-10-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

the exact same, everyday i power off my device, and this # XXXX is the first number to call with out fail, even though i have this number blocked through other means it still calls, and from that point throughout the day it calls. this has become an issue that is now disturbing my peace, and i would like it to stop
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Upon reviewing my credit report, I identified incorrect information that requires immediate correction. Below, I detail the inaccurate data that should be removed, along with the correct information that should appear on my report : ________________________________________ Incorrect Information to Be Removed : Incorrect Names : o XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Incorrect Addresses : o XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX o XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Incorrect Employers : o XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-17
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: Bread Financial Holdings, Inc. (NV)

I'm currently reviewing my current credit bureau reporting, and records show an inquiry from XXXXXX/XX/XXXX Wayfair  on XXXX/XXXXXX/XX/XXXX. I have not applied for a XXXX XX/XX/XXXX card or Wayfair card. Evidently the information matches because It's on my credit report, however, I did not submit this request.
Consumer complaint received 2020-11-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/2020 I looked on XX/XX/XXXX and had Midland Credit Management company down as a collection account on my credit report. I sent a certified letter in regards to this account to verify the debt that shows as a collection from their company. I sent a certified letter letting them know how to communicate with me to clear up any errors and the correspondence were they didn't have any knowledge of the debt however they have debt collection shows on my credit report that I owe this debt.
Consumer complaint received 2020-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

I am writing because I was scammed out of over {$20000.00} ( twenty thousand dollars ). My Chase checking bank account was left with a - {$9000.00} ( negative nine thousand dollars ) fee. 

A family friend ( or what I thought was a family friend ) asked to deposit money into my account because her fathers house had been sold out-of-state and she did not have a banking account. According to her, she really needed the money to help pay her bills, take care of her grandkids and generally get her life back in order. I was sympathetic, I understood trying to make it during the pandemic. 

There was money deposited into my banking account supposedly with funds received from the selling of her father 's home, so I thought it was legit. Once I saw the money in my account, I thought it would be fine to give her the funds. On XX/XX/2020, I gave her the funds. 

Two days later, on XX/XX/2020, I get notice my account has been overdrawn by {$9000.00}. Chase tells me, that they will not reimburse the money because I basically authorized a person to deposit funds into my account. But I did not authorize them to withdraw from my account though. I filed fraud charges at the bank, and they assured me that a police investigation would happen, and the person would probably go to XXXX. 

Chase showed me the fraudulent checks and they had my last name misspelled with two XXXX  instead of one. There was other suspicious detail that should have alerted Chase that there was an issue. I remember when my wife went to pay my mother-in-laws Chase credit card bill. Chase would not let her pay because she was not my mother-in-law. My wife had her ID, the billing statement and a check from my mother-in-law and they still would not let her pay BUT they allow someone to overdraw my account with evidently fraudulent documentation to the tune of {$9000.00}! 

Does Chase have zero liability? And this person lives in the same city I live in, I want to expose her so she doesnt hurt anyone else. I could have lost my home, vehicle, or anything over this amount of money. I withdrew money from my 401K to help with house repair expenses, my XXXX children and to cover other losses experienced from COVID 19 and now I have nothing to show for it. Most weeks, I work 7 days per week ; it's just not right. I dont know what to do. What are my options? 

I have all of our communication and evidence that shows her intent to defraud.
Consumer complaint received 2020-06-24
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. (LA)

All of a sudden on XX/XX/XXXX information from XX/XX/1996is appearing on my Transunion credit report that I dont even owe. I am so SICK on Transunion and their UNFAIR credit reporting which has ZERO factual basis its unreal! Seriously, a 24 year old problem that has been paid off YEARS AGO! I want this removed NOW! They took every federal tax return for 12+ years until it was paid off then it was removed. Again, 24 YEARS OLD!
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate/inaccurate reported late payments. 
XXXX XXXX Account Number : XXXX Please update late payment, all payment was made on time 3. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
4. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.