davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC. (GA)

I am really tired of filing complaints against Equifax. This time I am getting robbed by Equifax. They keep locking me out of my account but they are charging my debit card monthly. This company will not let me breathe and they stubbornly refuse to take their knees off my neck. I have sent my proof of identity to them several times. I can not get my account unlocked. I tried to cancel my service and they said NO. I am getting XXXX by Equifax in broad daylight. Please help. Sadly, I am paying monthly service for XXXX, and Equifax.com. I am XXXX.
Consumer complaint received 2020-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (VA)

In XXXX of this year XXXX I received a call from XXXX XXXX XXXX about a debt of {$2300.00} from XXXX University. I had graduated XXXX University in XXXX so I was confused to say the least and they told me I had an account balance of {$2300.00}. I explained to them that my employer paid XXXX University directly and there had never been an issue in the years I attended. I was then placed on hold and when the person returned, I was told they see the mistake and it has been taken care of and that if anything further were needed from me, they would contact me. I never heard back from them, so I believed it had been corrected. Then last week XX/XX/XXXX I received a credit alert that a collection was placed on my account from XXXX XXXX  XXXX for {$2300.00} I have disputed this debt, but it has caused a major impact on my credit score. Three years after I graduated this appears out of the blue, this is not my debt, and when I spoke with the representative from XXXX XXXX XXXX it was acknowledged and I was told it was being corrected.
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Consumer complaint received 2020-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: The LGM Co., Inc. (OH)

I recently purchased a vehicle from XXXX XXXX XXXX XXXX in XXXX XXXX Ohio, They found financing and never advised me that I had been approved through multiple lenders they only advised me that I was approved LGM finance which the dealership also owns that company..they never told me that or explained rates offered by other companies so I could make the decision as to which company I wanted to go through. They basically chose themselves on my behalf without my consent or knowledge. This LGM finance company charges me interested but never tells me how much they do not send me statements only receipts when I make a payment and it doesnt compute any interest charges. They also call me several times a day before my payment due date and dont allow the 10 day grace period for payments as stated in my loan agreement.
Consumer complaint received 2020-09-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The accounts listed below arent mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (CA)

On XXXX i did use the service at WORLDREMIT XXXX with a reference # XXXX my card was charged for {$100.00} for the remittance and the service, however after consistent calling chatting what happened to my remittance they said it was been cancelled so i said ok, but then yet they still took my money out into my account that until now i still dont have it back into my bank as I've been in constant contact w/ my bank as well.i got an email & text for the transaction for the few days saying that the amount would be available for my recipient same day, then after contacting them, again on Chat and phone call they said transaction has been cancelled. and the money has already been returned to my bank which is not.
Consumer complaint received 2020-09-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MO)

I have been contacting Shellpoint for assistance in processing a short sale for my late father 's property. Shellpoint has spent extensive amounts of time processing documents, including just basic letters of authorization. Despite their unresponsiveness, I have sent everything we could imagine sending to get this process started. They have FINALLY verified the written authorization form sent to them to work with the real estate agent. Unfortunately, it just seems to be some kind of sick joke, because upon the agents finally getting information from Shellpoint, the representative said that they did not believe I submitted a short sale request because on the Uniform Borrower Assistance Form page 3 states : " I'm requesting review of my current financial situation to determine whether I qualify for temporary or permanent mortgage loan relief options. '' This line WAS NOT WRITTEN IN BY ME. It is a standard part of the UBAF and is on every single copy of it ever. On page 1 of the Uniform Borrower Assistance Form I clearly checked the box for " Sell the Property ''. I also sent an Explanation Letter clearly stating, " Due to the passing of the homeowner, the mortgage default can not be cured at this time. Please allow a short sale. '' Shellpoint is being negligent with their timelines and responses to my request for assistance during a very delicate time.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The end of XXXX I took bad advise from a company called XXXX XXXX XXXX. I am trying to move on from that mistake. They recommended me to stop paying my unsecured debt and to settle with the credit holders instead of slow paying out the debt. I have settled with all 4 credit accounts - XXXX XXXX, XXXX XXXX, XXXX, and XXXX in XX/XX/XXXX. 

I have had a flawless credit history since all time before my dealing with XXXX XXXX XXXX program. My Credit has been flawless since i got out of that XXXX program as well. I paid the creditors what was agreed to settle for but I still have a tarnished credit report listing Charge Offs. I have only one small time period of an issue and I want to move past that. 

I would like the three credit bureaus to list the accounts as simply closed. Not Charged off. The Accounts were not " Charged Off ". The accounts were paid the amounts negotiated by the creditors.
Consumer complaint received 2020-09-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-09-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

This credit company is listing an account from XXXX. This account was included in previously discharged chapter XXXX. The account was listed as XXXX XXXX. They refuse to remove account.
Consumer complaint received 2020-09-10
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: REGIONS FINANCIAL CORPORATION (NC)

I closed both my checking and saving accounts with Regions Bank on XXXX XX/XX/2020 because of their poor costumer service. For some reason Regions Bank kept my {$10.00} a month electronic transfer from my checking account to my savings account in place. I received a collections letter today, XXXX XX/XX/2020. Regions sent my checking account to collections for {$59.00} because they stated there were insufficient funds to cover the monthly {$10.00} transfers to my savings account. My saving account no longer exists. No one at the time I closed the accounts stated I have to stop the monthly electronic transfers. My question is why am I paying {$59.00} dollars to cover transfers from a checking account which no longer exists to a saving account which no longer exists?
Consumer complaint received 2020-09-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XXXX of XXXX, I submitted to XXXX, Transunion and XXXX   a request to review my credit report and remove duplicates.. 
They have allowed the additions of multiple duplicate accounts to my credit report. 
The studen loan accounts have been discharged from my person due to a XXXX. 
The non payment history therefore should be removed since the accounts were discharged from my person. 
The accounts are now on my credit report in duplicate and afflicting my credit report. 
I have notified not only the student loan processer and the Credit Bureaus. 
They all have refused to remove the duplicate accounts. 
I have provided all documentation required for them to process the request. 
They transfer me to someone in another country who barely speaks english and tells me that there is nothing they can do and then hangs up on me. 
I need to have the DEPT OF EDUCATION/XXXX  accounts removed from my credit report since the DEPT OF ED/XXXX/XXXX are the actual discharged accounts that reflect the discharge.
Consumer complaint received 2020-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNCOAST CREDIT UNION (FL)

I had around {$3000.00} transferred out of my account from multiple sources including XXXX, XXXX XXXX, and XXXX. These transactions originally started small enough to where I did not notice them, in the {$10.00} range, then all of a sudden I got hit with {$500.00} dollar and {$1000.00} transfers. I contacted my bank, Suncoast Credit Union, and they made me feel like a liar that about my dispute claim. This being the only dollars to my name, They refused to provide funds until the investigation was complete, and refused to expedite the investigation. The biggest shockers here was I did not get ONE notification, from email, sms, or the app, about ANY of these transactions occurring. I have never moved this amount of money so fast, and they still did not think about to freeze the account. They had so many chances to stop this before it had finished happening. I highly doubt they will even honor my disputes the way they make me feel, but I enjoy going the litigation route against Suncoast!
Consumer complaint received 2020-09-10
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 — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC (TN)

PROBLEM : Since XX/XX/XXXX I have been trying to get XXXX  to correct my credit reporting for the BIG 4 including XXXX, XXXX and XXXX as promised. I was told once my modification was completed all of my negative reporting would be cleared up as ok. 

I started the process in XX/XX/XXXX and it finally concluded on XX/XX/XXXX with the modification. Immediately, XXXX disbands the division, the employees disappear and my loan is transferred to XXXX XXXX. 

XXXX was practicing the same hanky-panky which got them fined for {$28.00} XXXX by the CFPB XXXX XXXX XXXX. 

XXXX would start the process, inform me not to make payments, asked for documents and would tell me my credit reports would be cleared for non-payments and changed to OK status. 

I was told throughout the process my credit reports were going to be corrected to show in good standing for every month throughout the process because I was doing everything on my part to get the modification done. 

The process would begin or restart and stop by XXXX after changing agents and using the excuse they had no paperwork, did not receive paperwork or needed other paperwork as I went through XXXX XXXX ( XXXX ), unknown worker ( XXXX ), XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ). 

CREDIT REPORTING : For XXXX I show over 30 days late for ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and (  XXXX )   XXXX. Also, I am over 60 days late for ( XXXX )   XXXX, XXXX and XXXX. Finally, for ( XXXX ) I am over 90 days late for XXXX, XXXX and XXXX and over 120 days late ( XXXX ) XXXX, XXXX, XXXX and XXXX. 

In addition, despite making payments to XXXX XXXX for {$1300.00} on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and {$1300.00} on XX/XX/XXXX ( see XXXX XXXX Statements for payments ), XXXX shows my account being past due on XX/XX/XXXX for over 120 days late for {$16000.00}. 

In my conversations with XXXX, despite knowing payments were made on time starting in XX/XX/XXXX, they will not correct the XX/XX/XXXX negative report. 
Finally, XXXX has had a history of this behavior with their customers. How they are allowed to be in business is a mystery because they dont seem to care. 

OTHER EVIDENCE : 1. XXXX XXXX  XXXX from XX/XX/XXXX XX/XX/XXXX showing on time payments to XXXX. 
2. Emails with XXXX 3. Emails with XXXX showing XXXX was unresponsive for SIX months from XX/XX/XXXX to XX/XX/XXXX getting XXXX the necessary information to complete the modification. This same lack of responsiveness was also why my information was never changed on my credit reports as I was told it was after the completion of the modification. 
4. Credit reporting from XXXX & XXXX XXXX
Consumer complaint received 2020-09-10
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: KEYCORP (FL)

On XXXX Day of XXXX, XXXX we took out a loan with XXXX XXXX XXXX for the installation of a pool at our property at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX. The loan was sold to Key Bank on XX/XX/XXXX. We made monthly payments to Key Bank. As a result of the financial crisis in XXXX, we did a HAMP agreement in XXXX for our first mortgage with XXXX XXXX XXXX XXXX. We spoke with Key Bank subsequently and was informed that due to the HAMP program and our hardship they will release us from this loan. On XX/XX/XXXX a Release of Mortgage for this loan was sent to us by Key Bank. On XX/XX/XXXX we received a letter from XXXX XXXX XXXX informing us that we owe {$63000.00} for this loan. We sent XXXX XXXX a copy of the Release of Mortgage and they said that a Rescission of Release was recorded on XX/XX/XXXX by Key Bank and that the Mortgage Release was an error. We were never informed of this Rescission and no attempt was made to collect any monies from us for many years. We do not believe that we should be paying this amount. We believe that this is a dishonest attempt to collect monies from us after such a long period of time a Rescission was done. XXXX is presently on furloughed indefinitely. We are very disturbed about this new and sudden development during this difficult COVID-19 time. We are appealing to your office to resolve this matter for us as we believe that this is an illegal practice.
Consumer complaint received 2020-09-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (MA)

On XX/XX/XXXX applied for a mortgage refinance with rocketmortgage.com and approved on XXXX with a lock rate of 3.375 % plus 0.75 % points. 

By XX/XX/XXXX all required paperwork was completed and we ( wife and I ) were awaiting a closing date, they initially had an anticipated closing date for XX/XX/XXXX. But since then the company has continually missed the lock rate date and reset the closing process further out since the rate had to be recalculated each time. 

In all we were given about six or more more possible closing periods and they missed closing by each one ; about 2 in XXXX, 2 in XXXX, and 2 in XXXX and now they have in the last 3-4 weeks not moved the closing along so missed the lock period for XX/XX/XXXX. 

I have spoken to them by phone, email, message board and online chat over a dozen times now and each time they apologize and say they will get the process issue solved and each time they have not been able to follow thru. 

This has been the worst experience I have ever had during a closing! It appears their hand off between the departments are failing and no one is taking responsibly to fix the process. Today is XX/XX/XXXX and I still have not been given a closing date, even though it been about 10 days since we last was told we should be all set to get a closing date.
Consumer complaint received 2020-09-09
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: Shellpoint Partners, LLC (TN)

This will be my second complaint on Shellpoint Mortgage Servicing located at XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX / XXXX New Rez XXXX XXXX Owner of loan and they are located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Shellpoint took over this mortgage on XX/XX/XXXX. At that time I was not aware of this having relocated to Tennessee the first of XX/XX/XXXX and not receiving any notification. Payments were made to XXXX XXXX but Shellpoint did not acknowledge said payments showing late payment on my credit report. Shellpoint was paid in full on XX/XX/XXXX according to their payoff letter. Shellpoint first refused to acknowledge that they were even paid through a wire transfer made by XXXX XXXX on XX/XX/XXXX. It took until XX/XX/XXXX for them to agree and to accept the payment so the loan was paid off in full. It has now been sixty days since they were paid off. They refuse to update with the credit agencies showing the account was closed and remove the two late payments of XX/XX/XXXX and XX/XX/XXXX. I have made numerous requests and my credit is still showing late and account still open sixty days after they were paid in full. This is keeping me from getting a mortgage on my new residents. They continue to tell me the Paid In Full letter is not ready along with not showing accurate late payments and closed accounts to the credit agencies.
Consumer complaint received 2020-09-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (SD)

My hsn account was transferred from XXXX XXXX  to synchrony bank. Before it was transferred, the account balance was hundreds of dollars lower. Even though the balance is wrong, I have made several payments that they have not posted. They have cashed all of the payments except three that were returned to me indicating they have no account to apply the payments to. I was never sent anything in writing ( like a statement ) from synchrony. So I have no account number if it did change. Also, I was never notified that the account was being closed by either bank. They just closed the account and increased the balance considerably.
Consumer complaint received 2020-09-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (FL)

I offered a debt settlement to my old Auto loan company ( Westlake Financial ) I send them a letter, they called me back and accepted it ; I complete the payment and they agreed to mail me a pay for delete letter to have this collection removed from my credit report. The payment was made in XX/XX/XXXX and I still have not receive the letter. I called multiple time to see the status of my letter and each time they give me arbitrary information ( the letter was delayed, that it was sent, then that it was sent to my email ). 

To add to all that, today I checked my credit report and they did not report the balance to XXXX ( what we agree to ) but they deduct the amount I pay from the amount originally owned and reported that.