davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

I applied for a " rocket Mortgage '' on Quicken 's site thinking I could do the mortgage online XX/XX/XXXX. I was then called every hour for about a week with people wanting to talk to me about a mortgage. I never received any disclosures despite them reviewing all 3 credit reports. I never received any documentation about where my scores were or what products were available but NUMEROUS calls about how their agents could assist me on the phone. After over 10 days of little to no documentation in writing I requested to ONLY be contacted in writing. I received 1 email and NEVER received any disclosures.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account XXXX : XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2018-10-09
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. (FL)

I ordered & paid for a black Jersey with Red numbering on XX/XX/XXXX from XXXX I asked for a status update on my order on XX/XX/XXXX ( order XXXX ) I received the Jersey on XX/XX/XXXX, it was gray with military print numbers, it did not look anything like the jersey in the order I contacted the seller, after providing pictures of the wrong jersey, i received an email say they are sorry for the inconvenience, told me shipping is expensive, and offered me a discount on a future order. 
After emailing the seller did not result in a return label, or anything other then a apology for the inconvenience, i tried to dispute the transaction. 
{$53.00} for the item & shipping, {$1.00} foreign transaction fee I tried to dispute the charges after i looked up the company online, and the email that i'm getting replies from shows pages of other people that were scammed by this company. XXXX SCAM They have since taken down the website i used to order the jersey, but there are countless others. 
Citi card ( 2 % cash back card ) stated since i'm still in possession of the jersey, they will not honor the dispute. I have explained to them several times that the seller is no giving me an option to return the item. 
I'm hard pressed calling it a dispute it is fraud, since all the complaints are the same, order one thing, get something else, don't offer any meaningful way to return the item and the credit card company refuses to honor the dispute.
Consumer complaint received 2018-10-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (TX)

I never did business with the company XXXX XXXX and that I disputed it 2 times and both the company and the credit bureau never provided me with a signed contract with my signature. A collection bill is not a validation and that I have a right to be provided with proof or it needed to be removed.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (KS)

While at my bank on XX/XX/XXXX, I was alerted by my credit monitoring service that there was a derogatory entry put out to my Equifax file tied to a collection company. At first, I was not able to determine the source of the collection, as I didn't owe anyone anything. When I got home, I immediately got on Equifax 's website to do a dispute. I entered all the correct information about myself, then answered all the security questions correctly, to prove who I was. Once in my credit file, I could see that a company, XXXX XXXX XXXX in XXXX, KS, was reporting a collection against me for {$26.00}. This was a fraudulent collection entry as I did not owe this money, so I went ahead and filed the dispute, only to learn a short time later, that this collection activity was due to the incompetency of their client, XXXX XXXX of XXXX, KS, for not having the correct address in my file. The bill in question was paid, in person, way back on XX/XX/XXXX, because I had not received anything in the mail from them. I was assured then, that she would pass on the updates, and that it was long before ever going to collection. I was " all set '' according to her. Come to find out on XX/XX/XXXX, that never happened, because XXXX had no records of such change. Again, the person at XXXX XXXX was supposed to have updated all parties with the correct information, but has no proof to provide she ever did. On Sat, XX/XX/XXXX, I got an email from Equifax indicating that my dispute has been finished, and to log in with the supplied reference number to view the results. I did as before, entered all of my correct information, as well as the supplied reference number, but this time I got a message that the information I had entered did not match what was in your system. So now, I've gone from bad to worse. I'm trying to buy property as well as a vehicle, but now I'm frozen, and am at risk of losing the property I want, as well as a promotional interest rate for the vehicle. All because XXXX will NOT correct their error. First XXXX told me on XX/XX/XXXX, they were going to expedite that correction with you, because it was their error, to then saying on XX/XX/XXXX, that you issued them a " cease and desist '' order, dumping everything on me. This whole mess is due to the incompetency of an office clerk at XXXX XXXX, and this collection company, who but the way, has dozens of legal complaints against it for this very type of activity. When I try calling Equifax, all I end up is being put through a series of phone options. NO HUMAN TO SPEAK WITH! According to the FTC, KS Attorney General, XXXX, bank, and others, XXXX is in violation of several FCRA, FDCPA Laws, to which they know, but don't care.
Consumer complaint received 2018-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

IN XX/XX/2016 I STARTED RECEIVING CALLS & NOTICES REGARDING AN UNPAID BALANCE FOR XXXX XXXX. I DISPUTED THE ACCOUNT & THOUGHT IT WAS TAKEN CARE OF. HOWEVER, THE ACCOUNT WAS CHARGED OFF & SOLD TO MIDLAND CREDIT MANAGEMENT. I THEN DISPUTED IT WITH THEM WITH NO SUCCESS. THE ACCOUNT APPEARS TO BE FOR MEDICAL TRANSACTIONS WHERE I WAS NOT THE PATIENT
Consumer complaint received 2018-10-03
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 — Their investigation did not fix an error on your report
Company: ERC (IN)

I received a letter from Enhanced Recovery services stating I had a collection owed to XXXX. I contacted XXXX and was told I had no outstanding debt. I XXXX of this year i had a collection account added to my credit report from enhanced recovery services. I contacted them and try to fight the fact that I did not owe anything. I thought at this point that maybe i had missed a bill during a move so i went ahead and payed the {$380.00} to them. WIthin 60 days of paying enhanced recovery services, XXXX sent me a letter and refund check for the exact amount - {$380.00} proving that i did not owe them anything. I contacted enhanced recovery and they denied removing from my credit report. I disputed the item with XXXX  and XXXX XXXX and submitted the supporting documentation. They refused to remove it based on what enhanced recovery stated vs the proof that I was refunded the amount i paid them proving I did not owe them money
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I contacted Experian through their website to request that a fraud alert is added to my credit report after becoming aware that I was the victim of identity theft. Their system told me that my request could not be processed online. I downloaded a form that I printed and mailed with a copy of my driver 's license and my Medicaid eligibility determination letter to prove my identity. I don't have regular medical insurance, bank, or credit accounts. Yesterday I received a letter telling me that they can not process my request for a copy of my credit report and asking me to buy one. I did not request a copy of my credit report. I only wanted that a fraud alert is placed on my credit file.
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Due to Hurricane Irma in XX/XX/XXXX, I was placed into the disaster relief forbearance program, which would suspend my mortgage payments and prevent any delinquent reporting to the credit bureaus. Even though I was enrolled in this program, XXXX is reporting my mortgage payment late to the tune of 180+ days past due.

I was initially told that the forbearance would last approximately 3 months, and per the verbiage on their website : XXXX has a special, no paperwork, Hurricane Relief Program, to help manage the payments that will come due at the end the 90 day period. If you choose to opt-in to the program, you will be provided a single point of contact to help establish a repayment plan and review additional options ( including financial hardship relief, and many loan modification options that could potentially include term extensions, interest rate adjustments, and payment reductions. 

At the end of the 3 months, I went online to make my normal mortgage payment. When I was unable to do so online, I contacted customer support. They told me to hold off making any payments since my file was still being reviewed. Shortly after, I started to receive letters stating I was past due on my mortgage, along with literature on how to avoid foreclosure. Concerned, I  contacted XXXX, and was told the letters were automatically generated, and my file was still in underwriting. When I inquired what the issue was, they stated it had to do with interest rates being higher than on my original loan, but assured me that the loan was not being reported late, nor was I in any danger of foreclosure. 

Between XXXX XXXX, ( contrary to the no paperwork verbiage listed on XXXX website ), I was asked to submit a hardship letter along with copies of pay statements. I immediately sent them the requested documents. Shortly after I received a packet of papers to fill out for the application, and mailed via XXXX. 

It was not until XXXX XXXX until I finally had received my approval letter for a disaster standalone partial claim, and paperwork stating that my next payment would not be due until XX/XX/XXXX. Upon checking my credit report, I noticed that the loan was being reported delinquent by 180+ days. I contacted XXXX twice to alert them to the fact I was in the disaster relief program, and that my modification had just been approved so reporting the payments as late was incorrect. XXXX replied they would not resolve this issue, stating the credit reporting moratorium was lifted in XXXX. 

As of XX/XX/XXXX, my loan is current. The disaster partial claim has paid for the months missed due to the storm, so I can not fathom why this is being reported as late. This process took longer than expected and I should not be penalized for matters beyond my control. 

Thank you very much for your assistance on this.
Consumer complaint received 2018-10-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (IL)

On XX/XX/2018, I applied and received a short term loan from BigPictureLoans.com in the amount of {$1000.00}. 
On XX/XX/2018, I called XXXX to pay the loan off. Because it was within their so-called grace period, I was quoted {$1000.00} as the payoff. I was told the conversation was being recorded. They were to debit my bank checking account as of XX/XX/2018. 
I checked my account several times and the monies had not been debited. 
On XX/XX/2018, I called to inquire why it hadnt paid off yet. I was told that my recording of payoff on XX/XX/2018 was recorded with an incorrect date. They informed me that they tried to contact me of the error. My phone records and voice mails show no such effort to contact me. 
I said no matter, I called on XX/XX/XXXX and the payment should be honored. XXXX XXXX loans said no and my new payoff was with interest. I asked to speak to the customer reps. Supervisor. A lady named XXXX claimed she was a supervisor, though, I doubted she was. I insisted she send my complaint to her supervisors and she informed me that someone would call me for sure, the next day. No one called. 
My husband didnt trust them and told me to go online to make the payoff even though I would have to pay interest AND we would have a paper trail. 
On XXXX at XXXX I requested a payoff on their website. THE ONLY OPTION I WAS GIVEN WAS A PAYOFF DATE OF XX/XX/XXXX!!! So I requested payoff on XXXX, yet, no option online unless I paid more interest until they deemed ok to payoff on XX/XX/2018, a full several days later. Myhusband told me to pay because they will keep screwing us, so I did. 
These people prey on people. I am a XXXX XXXX who is struggling to keep clean. They count on that. Their practices are deceitful and leave very little recourse in dealing with them. Please help.
Consumer complaint received 2018-10-03
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. (NY)

Hello someone has been using my credit to drive a cars. I have 2 cars in my name that needs to be removed XXXX and XXXX. I never seen these cars before. I have XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX what are these accounts. please help me this is ruining my life please.
Consumer complaint received 2018-10-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

Experian -report inaccurate information 1.

There a creditor XXXX XXXX XXXX that is reporting negatively on my credit report. Date open XX/XX/XXXX amt {$1000.00} and everytime I call the creditor they say they dont have this loan on file, and I get no place with them. I have sent to Experian my payment history when I attended University and it shows a XXXX due. But yet each time I ask them to delete this they send me a letter saying its been investigated and staying contact creditor. The creditor does not assist me and hang up on me. I have written letters to them and I Graduated. You are not able to walk at the commencement ceremony if you have a balance.

Experian is not helpful at all.

2.

Experian- report negatively XXXX XXXX Date open XX/XX/XXXX XXXX was purchased by another creditor, my account included which is currently reporting on the credit bureau in good standing. All that happened was my account number changed, but Experian is reporting XXXX, XXXX as closed.

This has been requested on several calls and letters to delete this off my file, that they are actually reporting the information twice. My account was never closed it was assigned a different account number and that one to is reporting on my credit profile.

The old owner 's of XXXX has been unreachable and the new ones ' are reporting accurately
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Leaders Financial Company (NJ)

Yes i been with XXXX XXXX XXXX for a couple of months they been trying help me get something off my credit report that shouldn't be on there but as it looks they was giving a hard time from leaders financial co i was a co-signer to a car that was giving back and not repoe
Consumer complaint received 2018-10-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Berman & Rabin, P.A. (MO)

I received a letter dated XX/XX/2018. I received a call from them on XXXX-18 stating that the original debt owner wanted them to proceed with a lawsuit. I feel that this is harassment as according to their own letter I am still with in the 30 period to dispute the debt in part or as a whole and to have the debt verified. I asked them to call me back on XXXX-18 so I could discuss with my wife to determine our options. The time agreed to came and I decided to write this while I decided to have the debt verified.
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

I closed on the sale of my home in XX/XX/XXXX and paid off my loan with Bayview Loan Servicing. I received a letter from Bayview that my loan was paid-in-full in XX/XX/XXXX. However, I received a notice from XXXX  and XXXX that Bayview is reporting my account delinquent and 30 days late with {$0.00} due. 

I had this issue fixed in XX/XX/XXXX but it has reappeared again in XX/XX/XXXX. There are no managers or supervisors or points of escalation that have been able to fix this reoccurring problem. It is a violation of the Fair Credit Reporting act and fraudulent to try and collect on a loan that is paid in full.
Consumer complaint received 2018-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

XXXX Introduced free cash transfer between client. I made a transfer to a customer using his email address from my chase account using XXXX on the chase platform. The client is saying they never received the money. Chase saying they have proof the money was dilivered but due to privacy agreement they are not allowed to disclose the proof. I meed a legal document from chase or XXXX  that shows where the money went. XXXX is important to move money between people but the current dispute resolution is grosly inadequate. 

Thank You.
Consumer complaint received 2018-10-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (LA)

FINALLY GOT THEM TO AGREE TO CHANGING FROM AND INTEREST ONLY FOR 10 YEARS NOTE TO A CONVENTIONAL LOAN. INITIALLY THEY AGREED TO INCLUDE ALL ACCOUNTS INTO THE LOAN, THEY THEN LEFT ONE OUT AND WITH OUT MU KNOWLEDGE THEY HAD ME SIGN PAPERS AND COMMITTING THAT IT WAS STILL IN THE NEW LOAN. THE THE ONE THEY LEFT OUT THE ERRONEOUSLY DEDUCTED IT FROM MY ACCOUNT WITHOUT MY KNOWLEDGE, CAUSING AN OVER DRAFT AT THE END OF THE MONTH. MANAGER LAUGHED IT OFF SAYING WAS ONLY A YEAR LEFT ON LOAN ANYWAY! THEN THEY ASSIGNED IT TO XXXX XXXX, THEN THEY NOTIFIED ME. CALLED XXXX XXXX, THEY HAD LITTLE KNOWLEDGE OF THE ACCOUNT. XXXX XXXX ASSIGNED IT TO A MORTGAGE SERVICE COMPANY, CALLED THEM AND THEY IDENTIFIED THEM SELF AS A MORTGAGE COLLECTION AGENCY. IN THE BEGINNING I HAD THE BANK SET UP THE ACCOUNT AS AN AUTOMATIC ELECTRONIC DEDUCTION TO BE TAKEN OUT ON THE FIRST WHEN I GOT MY VA XXXX CHECK ELECTRONICALLY DEPOSITED! THIS A XXXX XXXX XXXX ' ON THE PART OF THE BANK AND XXXX XXXX!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA. XXXX XXXX BANK : IBERIA BANK XXXX, LA. XXXX
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted Transunion on several occasions Asking for these address to be removed and nothing has happened i have spoken to managers and supervisors and still no one has fixed this issue. i called in XXXX, XXXX, XXXX, XX/XX/2018 the address is still being reported
Consumer complaint received 2018-10-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX XXXX , XXXX Is not my account. The credit reporting agency continues to report it. I have disputed it 3-5 times. They refuse to delete it. I have never heard of the company nor have any knowledge of the company they represent. As a consumer, I am helpless I have no way of proving its a fraudulent account.
Consumer complaint received 2018-10-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Terrill Outsourcing Group (UT)

Yesterday, XX/XX/2018, a man called my employer by the name of XXXX XXXX and was very rude to the receptionist when she explained that I was not there. He indicated that he was collecting on a debt and told her to demand that I call him back at XXXX. As I researched this, it is to XXXX XXXX ... a debt collection agency. I do not owe them money. They contacted my work at XXXX which is unusual because I have never used that work number on any loan or credit card that I have applied to. Honestly, I do not know what that number is. What I do know is that this XXXX found out where I worked for the national register for XXXX that is posted on the internet as I am licensed nationally and then called my work. I CAN NOT ACCEPT PERSONAL PHONE CALLS AT WORK ... I WILL BE TERMINATED. Yet ... this firm continues to call. I have no paperwork in the mail telling me what this debt is. I've never heard of them. XXXX XXXX also claims to be an attorney. I do not appreciate him calling my work telling a receptionist that I have bad debts and bad checks.
Consumer complaint received 2018-10-03
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. (FL)

Its not the First time, those credit report act like XXXX and dont respect the right of US citizen, they dont care and update wrong information! 

I did pay off XXXX XXXX $ With XXXX my car loan end of XX/XX/2018. 
I did sent the payoff letter to XXXX XXXX  TRANSUNION as a proof. 

Like always when I contacted them to obtain the update on my report, they dont find anything. 

I send again the letter for an immediate update! Those companies need to respect the law!