davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TX)

After being contacted in writing by Convergent Outsourcing, Inc. on XX/XX/, and made aware of an alleged debt, I contacted XXXX regarding this account. I paid {$830.00} directly to XXXX on XX/XX/XXXX and received a confirmation number of XXXX for my payment. I am requesting that XXXX delete the tradelines on my credit report because I have paid the original creditor and they have no permissible purpose by law to report on my credit.
Consumer complaint received 2024-11-14
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. (TX)

I am a victim of identity theft, and the following inquiries on my credit report were not authorized by me. I request that these fraudulent inquiries be immediately removed from my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXX, which mandates the removal of fraudulent information. 

The inquiries in question are as follows : XXXX XXXX XXXX, 2024 XXXX XXXX XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XXXX, 2024 XXXX XXXX XXXX, 2024 XXXX XXXX XXXX, 2024 XXXX XXXX, XXXX XXXX XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XXXX 2024 XXXX XXXX XXXX XXXX XXXX XXXX 2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2024 These inquiries were made without my permission, and their presence is causing harm to my credit. Please investigate and remove these inquiries immediately.
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

On numerous occasions XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I reached out to the credit bureaus and company in charge of this account to get it removed for one falling reporting this account and to remove it due to fraud purposes. This account along with its debt does not belong to me or was not authorized by me.
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MI)

Approximately FOUR MONTHS after closing on our refinance, we were contacted by e-mail by XXXX advising there was an " issue '' with our property taxes amounting to a {$3500.00} shortage that would be needed to be paid. WE IMMEDIATELY followed up with the company demanding how could the property taxes be missed. This is when XXXX XXXX advised that the expenses including winter taxes, a delinquent water bill was the driving force and could not be anticipated prior to our closing. HOWEVER, upon my research and speaking with someone with the City of XXXX XXXX, this is absolutely NOT TRUE. This information could not only have been anticipated, but also confirmed PRIOR to closing. The water bill itself was simply a call to the municipal building that would've provided any balances HAD that been inquired about. So, this is an untrue statement. Furthermore, this is information is public record and could've been requested and obtained from our city municipal website. The City Office is unclear as to why this information is so " baffling and unanticipated '' as Mrs. XXXX claims. They assured me that this is a common practice and that information could've been provided at ANY TIME during the year. 

Secondly, I would like to note that this process has been riddled with inaccurate, rushed information from the very onset. Always a fee, always a representative having to do research with underwriting. Now, here we are 5 months into our refinance and being blindsided with a nearly $ XXXX bill. WHY WAS THIS NOT TAKEN FROM ESCROW OR ADDRESSED PROPERLY AND PRIOR TO THE RUSHED CLOSING? 

Simply, because this was a RUSHED process to attempt to close as many loans as possible. If I called and got all the information needed within a simple 15 minute phone call, as well as was guided through a system online with information pertaining to the public records regarding the property address where the information they are FALSELY claiming that the information they are seeking was " unanticipated ''. The representative at the City Clerk office said that statement is simply UNTRUE.

I can only imagine how many homebuyers are being treated in this way. We have submitted a requested to the FTC requested research into this unethical business practice to determine if this is affecting hundreds, if not THOUSANDS of individuals who have recently refinanced with this company
Consumer complaint received 2021-05-13
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. (NY)

On XX/XX/2021, I sent Equifax a followup letter regarding a previous letter from XX/XX/2021 and XX/XX/2021, regarding an alleged debt collection on my credit report by the company " XXXX XXXX XXXX ' which I have also reached out to with no response on these same exact dates. The company has not responded to my verification letters sent on the the aforementioned dates above. It has now been close to 90 days since the original dispute on XX/XX/2021 that has not been addressed neither by the credit bureau XXXX note the credit, XXXX XXXX XXXX. They are both in voliation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I have also submitted a complaint here with both Equifax and the creditor, XXXX XXXX XXXX, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my credit reports, Equifax.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

In 2016, my Home Equity Line of Credit with First Citizens Bank in XXXX, NC matured. I asked to have it renewed. They asked for tax returns which I provided. As my returns are complicated, they asked for more information and ordered an appraisal. This information requests were repeated a few times over many weeks or months until they made a final decision to not renew and I paid the balance in full. 

During the time we were negotiating a renewal, I did not receive statements. Later I learned First Citizens had been reporting the loan as late. How could my loan be considered late when no bill was provided for me to pay? 

I have written to First Citizens twice and received no reply. When attempting to reach them by phone, there is no one available to speak with. I was told the credit reporting department does not speak with customers or former customers. I would appreciate anything you can do. 

Best regards, XXXX XXXX
Consumer complaint received 2021-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I asked for assistance during this Pandemic of Covid. XX/XX/XXXX. I was deferred 2mos, advised forbearance..announced 4 mos into forbearance I was explained a full amount due in 4 months. I specifically stated I can't afford that what are options available. I was told contact the Select Portfolio Servicing Provider to assist on further programs available. I contacted in XXXX to be advised for mortgage assistance. On submission of documents ( 3 attempts ) I was told " Congratulations " you are under review for 30 days We will contact you. There was no contact untill I XXXX XX/XX/XXXX to hear I've been mailed a letter dated XX/XX/XXXX XXXX stating I've been Denied of All / Any Programs available. I'm declared " Default '' as to record that is going to report to credit bureaus The last year I have made {$500.00} payments on agreed of forbearance XXXX XXXX XXXX No explanation or writing until XXXX of a lump sum balance {$12000.00} be paid in full / or {$2.00}, 746.00 be paid for 12 months. I explained of XXXX Local Residents impacted by Pandemic Shut down / Closing of my part time buisness ( 3 x ) solely on my part time as a XXXX  worker, married with a husband who is also been affected by the Pandemic / close of buisness. I'm seeking help from local HUD COUNSEL and all other administer to this COMPLAINT. Furthermore to my own legal representation if necessary. I REQUEST IMMEDIATELY A RESPONSE FROM SELECT PORTFOLIO SERVICES from XXXX XXXX untill present XXXX XXXX. I have YET no contact.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

In XX/XX/2013 I did open a car loan with XXXX XXXX. The vehicle was totaled and there was a balance. The balance has been satisfied and the creditor is reporting it as a charge off/collection. I need this item removed IMMEDIATELY as it is negatively impacting my credit report and their money has been paid.
Consumer complaint received 2022-06-22
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: CAPITAL ONE FINANCIAL CORPORATION (RI)

Capital one reporting account # XXXX balanCe {$1100.00} reported credit card under my name send proof this account is no mine I need send me contract with my signature because never opened account still reinserted in my credit report violated my rights i need send me proof all your investigation because I rehuse accept this debt because never have business with this company send me letter with the address is no proof because person lost my identity I need put atention in my petition because this company danger my credit y need clean my profile because dont have made business with them
Consumer complaint received 2020-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EOS Holdings, Inc. (TN)

Debt collector never attempted communication with me and just put and old debt that was discharged in a bankruptcy on my credit report. Furthermore, the state of TN requires debt collectors to hold a valid TN collections license which this debt collector does not have
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In XXXX of 2013 I did open a car loan with XXXX XXXX. The vehicle was totaled and there was a balance. The balance has been satisfied and the creditor is reporting it as a charge off/collection. I need this item removed IMMEDIATELY as it is negatively impacting my credit report and their money has been paid.
Consumer complaint received 2021-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc. (CA)

SCA Collections has damaged me being NEGLIGENT AND UNFAIR. Your company has committed the following damages : failure to get mortgage, paying higher rates on loans, failure to secure funding, XXXX  hardship and suffering through loss of sleep and XXXX. 

Her private doctors office reffered her to XXXX XXXX for tests. 
XXXX did not take down her insurance info and correct mailing address from the Doctors office. I never got any mail. I had moved out of XXXX XXXX and was living at XXXX XXXX XXXX, # XXXX XXXX XXXX CA XXXX. My doctors office was given this address at that time. 

In addition, XXXX did not bill my XXXX XXXX insurance, even though my doctors office had her insurance info and sent it to XXXX. 

In the end the insurance company ended up paying the bills. This collection account should have been removed. 

Also, the credit bureaus are showing different original amounts. They put on account after 90 days, by law they are required to give client 6 months before reporting a medical collection. These are serious violations under the FCRA. 

The accounts information is as follows : Account number : XXXX. Date Opened : XX/XX/2019 Original balance : {$500.00}. 
Account number : XXXX. Date Opened : XX/XX/2019 Original balance : {$470.00}. 

This situation has caused me several damages and violations that I have suffered, I demand to get the accounts removed from my records ( from all three credit reporting agencies ) in 30 days. 

See attached documents. 

Thank you.
Consumer complaint received 2020-07-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

I submitted approved police report and ftc affidavit and documents from the creditor confirming the account was an act of fraud. Equifax and XXXX has taken two months to receive the incorrect results. This is frustrating and the entire identity theft process is terrible.
Consumer complaint received 2019-03-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

On XX/XX/19, I applied at Rocket Mortgage to get pre-qualified for a mortgage. I was conditionally pre-qualified after detailing my financials and other circumstances verbally. 

Once the process began, I gave more and more people the specific details about my circumstannces ... divorce, etc. 

The initial contact said they would work through all of that and that I needeed to be prepared to provide documentation and explanations for my circumstances. 

During the course of this process Rocket Mortgage reps called, one after another, and I made sure each of them knew that I was working in XXXX XXXX, Texas and buying a house in XXXX, Texas. Not one time did the issue of residency distiction come up. 

The only trace of concern was XX/XX/19 they requested a letter from my employer explaining my " re-location ''. I immediately responded reiterating that I was not being relocated and that I stay in my RV when I work in XXXX XXXX. I further explained that I came across the deal on this house and wanted to purchase it as my primary residence given I do not own a home and I own an RV Park XXXX miles away. 

After 41-days of back and forth, me providing all manner of paperwork, today I get a call stating that this will have to be classifed as a secondary home mortgage and I will need 10 % down plus closing costs. My circumstances will not afford that and it is completely unacceptable. 

It did not take them 41-days to determine that I would be commmuting from XXXX XXXX to XXXX and back ... I told them from the very start. 

What's more, their explanation of why this is a secondary residence was inaccuarate. I told them that I will be in that house at least 186 days of the year and that is more that than half of the year. 

104 Weekends 20 Vacation Days 9 Stock Market Holidays 53 Monday 's ( I leave at XXXX XXXX  on Monday 's to go back to XXXX XXXX ) 186 Total Days What is even more aggregious, they did the appraisal before they actually had the signed Sales Contract. They recommended their title company, XXXX, and then a week later called and said they could not work in XXXX County, Texas, where the subject property is located. They said that we need a Survey, and after the Seller paid {$850.00} and it was completed Rocket Mortgage comes up with this disqualification due to the distiction of the home. 

This is qwrong and they need to be accountable to their business practices.
Consumer complaint received 2022-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

Paypal closed my account for no reason, i didn't do anything and they closed my account, Im contacted them and they will not get me getting back. I think this a mistake My paypal account is XXXX XXXX
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

We have been trying to get our free annual credit reports online for the past several days. We received copies from XXXX XXXX and XXXX without any problems. We are having a major issue with Equifax. Like I stated, we have probably tried twice a day for the last three days to get the report online. As you go through the process, everything is fine until after you enter the last four digits of you social security number. That is when you receive the following message. " ONLINE DELIVERY UNAVAILABLE '' " We are not able to deliver your free Equifax Annual Credit Report online ''. It then goes on to say that we should download the request form and mail it along with copies of your drivers license, social security card, XXXX forms, pay stubs, etc. Not the type of information I want to send out in the mail. We we phoned, we were told the computers are being updated, to try again in an hour or so. We have done this several time a day. Still the same results. After another phone call, we were told to to the www.equifax.com/fcra. This website has alot of questions, but does not state you will receive your credit report, so I was reluctant to complete the form. 

The reason we need this report is due to an untrustworthy insurance agent that tried to issue policies in our name without our permission, then billed us. We would like to put a freeze on Equifax, but we would like to see the report before doing so. Again, we did all of this with XXXX and XXXX   within minutes and had absolute no problems what so ever. Please help!
Consumer complaint received 2019-03-25
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)

I reviewed my credit and found 3 collections account for XXXX XXXX and a long list of inquires, where these people were trying to use my credit to open new accounts. I have XXXX XXXX and have lived in my home for over 10 years. These cable accounts were being opened every 2 to 4 months behind each other. I did not open these account or authorized anyone to open these accounts.
Consumer complaint received 2021-11-23
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. (MA)

I have sent Transunion XXXX separate certified letters on XX/XX/2021 and XX/XX/2021 that were signed for and received on XX/XX/2021 and XX/XX/2021 ( and I have proof ) regarding the negative and incorrect reporting of a {$2400.00} charge off on my credit report regarding an account from XXXX XXXX. In my second dispute letter I let them know they failed to comply with the law and they must now remove the item from my credit report, yet it is still being reported. They have failed to respond both times within XXXX days and failed to provide me with copies of any documentation associated with this account, bearing my signature which is a violation of federal law. Therefor they were supposed to immediately delete that information off my credit report. I clearly also stated I did not consent to XXXX or any other automated means of verification. Attached you will find proof of both of my letters sent via certified mail and proof of being signed for via certified mail receipt.
Consumer complaint received 2019-03-25
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: Experian Information Solutions Inc. (LA)

I reviewed my credit and found 3 collections account for XXXX XXXX and a long list of inquires, where these people were trying to use my credit to open new accounts. I have XXXX XXXX and have lived in my home for over 10 years. These cable accounts were being opened every 2 to 4 months behind each other. I did not open these account or authorized anyone to open these accounts.
Consumer complaint received 2021-09-20
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: ALLY FINANCIAL INC. (MD)

I had one outstanding auto loan with Ally Financial. A payment of {$7100.00} was made on XX/XX/2021 and the account was paid in full on XX/XX/2021. No updated balance information is reflected on any of my credit reports relating to this account since XX/XX/2021. I have attempted to get this corrected 3 times and as of today XX/XX/2021 neither of my XXXX or XXXX payments are reflected on any of the credit reports.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Consumer Financial Services Solutions, Inc. (TX)

I sought out the services of Accredited Debt Relief for their debt consolidation services. Upon signing up I had a total of around {$7000.00} in debt that would be enrolled with Beyond Credit. They pulled my credit report prior to enrolling. AFTER enrollment it was mentioned within a long email that it would take 4-6 months for them to begin paying out ... I called Beyond Credit and was then informed, after they took my money, that it was a settlement service to pay out 50-55 % of what I owe yet in my contract they are charging me for the full amounts to each creditor plus enrollment fees of approximately $ XXXX and service fees of $ XXXX. I am demanding a refund of the money I paid to them and would like them to remedy the fact they completely mislead me into which services I was given. It was deceptive and predatory.