davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

TODAY XX/XX/XXXX WHILE GOING OVER MY CREDIT REPORT I SAW SEVERAL ACCOUNTS A ADDRESSES ON MY XXXX XXXX, XXXX  AND EQUIFAX REPORT THAT DO NOT BELONG TO ME. MY DATE OF BIRTH WAS WRONG AS WELL. THERE WAS SEVERAL PHONE NUMBERS LISTED THAT DO NOT BELONG TO ME. THERE WAS ACCOUNTS WITH THESE COMPANIES NEVER DONE BUSINESS WITH THESE ORGANIZATIONS.XXXX XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX # XXXX****, XXXX XXXX # XXXX****. I AM UNABLE TO RENT OR BUY A HOME NOW WITH THESE UNRECOGNIZED ACCOUNTS ON MY CREDIT REPORTS. 
MY CURRENT AND ONLY ADRESS IS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX
Consumer complaint received 2017-10-19
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. (OH)

I have been fighting XXXX issues with TransUnion. It still has not been resolved. The first problem is they are reporting a XXXX Tax lien that should have been removed some time ago under the XXXX XXXX XXXX. There is no way that TransUnion even researched this or it would have been removed by now. The other thing is the XXXX they are reporting. I have contacted the XXXX house directly and they said they DO NOT CORRESPOND WITH THIRD PARTIES FOR Credit reporting purposes. Again indicating that TransUnion was not able to validate this anyone with a computer can look something up but it does n't mean it accurate.
Consumer complaint received 2017-10-21
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. (TN)

XXXX and Experian are showing an XXXX XXXX Credit Card on my credit report. I am no longer on that account. XXXX correctly reflects that I am not responsible for an XXXX XXXX Card Credit Card, and as such, my credit score with them is much higher.
Consumer complaint received 2017-10-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (LA)

QUICKEN LOANS OFFERED ME A SUMMARY TELLING ME SAYING " I HAVE A CHOICE WITH __________________COMPANY TO PAY THE MONEY BACK FOR BUY A HOME. 
AND THAT THEY COULD DO THE BEST THEY CAN TO FIX THE PROBLEM. 
I HAVE NEVER HAD A MORTGAGE.
Consumer complaint received 2017-10-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/XXXX 2016 I went on XXXX to pay a vendor with my credit card. I entered my credit card info and assumed that {$1100.00} was put on my card. What I found out 10 months later was that, without my knowledge, they enrolled me in a 6 month no interest promotion. I did n't receive any bills until after the promotion ended and then was hit with all the interest. They will not remove the interest.
Consumer complaint received 2020-11-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Zarzaur and Schwartz, PC (AL)

XXXX XXXX and zarzaur & Schwartz PC ARE ATTEMPTING to garnish my wages when I wasnt served proper paper work and I have put in a dispute through XXXX XXXX  and when I asked for the original signed contract they were not able to provide it
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Equifax is reporting an incorrect date of birth for me. I contacted them ( Confirmation Number XXXX ) and instead of correcting the date, they added my statement providing my correct birth date as a " Consumer Statement ''. 

There is no indication that they attempted to contact a reporting agency to correct my birth date nor looked at roughly 40 years of credit history to verify my assertion of birth date.
Consumer complaint received 2017-10-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

There were two ( 2 ) unauthorized hard credit inquiries made by XXXX XXXXXXXX XXXX ( GA ), which were revealed on a credit report I pulled directly from Equifax 's website on XXXX XXXX, XXXX. 

I then started working directly with me creditor ( XXXX GA ). After a long and involved investigation, the creditor agreed with me, and formally approved the removal of their XXXX XXXX, XXXX and XXXX XXXX, XXXX hard credit inquiries. XXXX GA then advised me that they sent two separate requests to all 3 credit bureaus in the U.S. ( Equifax, XXXX and XXXX ) to remove these two hard inquries. 

The request for the removal of the XXXX XXXX, XXXX hard credit inquiry was sent from my creditor, XXXX GA, to the credit bureaus ( including to Equifax U.S. ) in XXXX. 

The request for the removal of the XXXX XXXX, XXXX hard credit inquiry was sent from my creditor, XXXX GA, to the credit bureaus ( including Equifax U.S. ) on XXXX XXXX, XXXX. In addition to the creditor directly requesting the removal of their hard inquires, I also disputed them directly with Equifax U.S. for good measure. 

Despite the creditor requesting the removal of the two hard inquires directly, and me filing disputes directly with Equifax via telephone, online and fax, requesting removal of these two hard inquiries, in XXXX, XXXX, XXXX, XXXX XXXX ( and again today ), as well as several telephone calls to Equifax in between my formal dispute filings, the two hard inquires still remain on my Equifax U.S. credit bureau report ( as confirmed in another telephone conversation I made directly to their offices today ). 

I also sent Equifax a formal letter requesting the removal of these unauthorized inquiries, enclosing all requested documentation, including the letter from the creditor, and gave them direct contact information for the creditor, for any questions. 

I have provided everything possible to Equifax to facilitate the process and confirm the information I have given them. The creditor has requested the removal of the credit inquiries. My creditor advised me as of today, they in fact sent the XXXX XXXX and XXXX XXXX requests through an online system customarily used by the banks and credit bureaus to share this type of information and to send these types of requests. 

Equifaxs failure to properly investigate and remove these two unauthorized hard inquires has greatly compromised my credit score, thus, making it very difficult to obtain reasonable interest rates for credit products, affordable housing, and the ability to get a job that conducts background checks that also incorporate credit reports/scores.
Consumer complaint received 2017-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

I opened a credit card account with discount tire and they were supposed to debit my account each month but did not debit the account one month after my payment was increased only by {$15.00} and reported the account past due tarnishing my credit score.

I need for discount tire to report the account accurately due to no fault of my own ;
Consumer complaint received 2017-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cypress Financial Recoveries, L.L.C., OCALA, FL Branch (NY)

I had complained about this previously in complaint number XXXX. I have now paid in FULL the entire about of the judgement filed against me, which by the way was three time the original debt, which they purchased for pennies on the dollar. I called the court yesterday to find out the status of getting my bank account hold released since I completed the payment of this judgement in XXXX. And I received a statement from the court showing a XXXX balance due, listing all the payments made and the amounts. I was told that the collection agency is looking for MORE money. {$47.00} to be exact. And the woman from the court was going to make a second call to them to find out the status. And would call me back if she made any headway. Needless to say I did not hear back from her. I also went on the website NJ courts to see the status of the docket. The case status shows as closed. The Proceed status shows as completed. And there is a XXXX type of " Wage Exec Iss '' that shows as ACTIVE. My wages were never garnished. And I would like to know why this is active. And how I can get a COMPLETE release from XXXX and XXXX stating I have COMPLETELY and TOTALLY satisfied any and all judgement and dealing with them. XXXX XXXX XXXX ( the account they levied on in XXXX XXXX ) will not allow me to close that account as they are saying they have received NO paper work stating they can remove the levy. Meanwhile they handed over the {$2400.00} or so dollars to the court and charged their {$120.00} in legal fees. I have now paid close to {$4000.00} for a debt that was originally {$1300.00} and I am still Being EXTORTED by this company. Their behavior is criminal and their tactics are shady. I want this done. I want a complete release from them and I will not pay them XXXX more penny. As this is unfair and unethical treatment. They are taking advantage because they know where I work and how detrimental a problem like this could potentially be. This is the worst form of legal extortion I have ever encountered. XXXX and XXXX and Cypress financial ( another arm of their corrupt marginalization ) should be disbarred. Who ever heard of lawyers collecting debts for THEIR own profit. There should be so legality against this. I want the wage garnisment closed, erased, destroyed, however it is done and this docket closed. The docket number is XXXX. Everyone should know what a fraud this firm is. I am SURE I am not the first nor the last to complain about their unethical practices.
Consumer complaint received 2017-10-20
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. (MD)

After the XXXX breach I placed a security freeze at all 3 major beaches. I was able to complete the process for XXXX and XXXX online. 

Experian could not verify my identity so I used the process on their website and sent a payment for {$5.00} along with a copy of my ID and recent bills on XXXX XXXX XXXX. I received a form letter from Experian dated XXXX XXXX that said the freeze was successful but that the payment was not necessary ; the letter stated that my {$5.00} check had been shredded. 

The next day I received another ( undated ) letter from Experian. This 3 page letter said the freeze request was unsuccessful but it also included ( 1 ) the original {$5.00} check ( that I had sent them and that they told me had been shredded ) and ( 2 ) a money order dated XXXX XXXX XXXX for {$3.00} sent by a XXXX XXXX of XXXX, GA ( I have no idea who this person is ).
Consumer complaint received 2017-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

I paid my mortgage off
with Ditech on XX/XX/XXXX. The excess escrow amount was XXXX. and they said that amount was mailed out and check cut XX/XX/XXXX. I have called 3 times asking where the check is and i am told " in the mail '' and I also called to see if it was cashed, maybe stolen and they said no. They told me that I had to wait 30 days before I could call and have another check issued. I think that they are holding my money to earn more interest on it.
Account number is XXXX name is XXXX XXXX
Consumer complaint received 2017-10-19
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. (TX)

Equifax, XXXX and XXXX claims that an account from XXXX XXXX XXXX has been documented and prove valid. Yet, I 'm still waiting for documentation from the creditor since XXXX 2017. 10  Months later. My credit has a mark on it because of this. How can a company deem something valid but yet the consumer is still waiting on the documentation. Please help me resolve this with the 3 credit reporting agencies on getting the removed as it has not been validated to the consumer.
Consumer complaint received 2017-10-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (TX)

Is it lawful to be used as collatereal damage? 

My loan were originally serviced by XXXX XXXX XXXX and then serviced by company XXXX ; now this third transfer in 3 years and this company XXXX XXXX! 
Documents are lost and payments never applied to my loan ... 
The loan amount was XXXX in XXXX XXXX Now XXXX years later XXXX XXXX states I owe them XXXX estimate.to resolve this loan and to retain my property. 
I was in bankruptcy for 5 years and XXXX XXXX was XXXX and I paid payments through the Bankruptcy XXXX and did not miss a payment! 
These are unlawful fees and fabricated fees used as collateral ...
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On XXXX XXXX I changed security company XXXX XXXX XXXX that I had used since XXXX to XXXX XXXX XXXX because they offered a better plan for less money. I called XXXX after XXXX XXXX XXXX had installed the new system on XXXX XXXX to cancel my account with them and told them I was using another company. I had automatic bill pay with XXXX so I cancelled that with my bank because I no longer had their system. They still tried to put the payment for the next month through but my bank declined it because I had cancelled the automatic payment. XXXX then sent me a bill so I called them and was told I couldn Cancel because I was still under contract. I told them I still had my contract which was for XXXX yrs.and that ended in XXXX. They still billed me and added late fees which brought it to XXXX I refused to pay it so they turned it over to a collection agency and the collection agency put it on my credit report. I have disputed this charge but they refuse to take it off my credit report.
Consumer complaint received 2017-10-19
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. (OR)

My application for an apartment was denied by XXXX XXXX when i asked why, they forwarded a credit report they obtained from Experian. The report shows multiple addresses ( XXXX ) XXXX XXXX XXXX B, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX AK XXXX. 
XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX which is completely inaccurate.I have never lived or have any address outside the state of Oregon. 
Also, an opened XXXX XXXX XXXX account with current balance of {$1800.00} in delinquency and over 90 days past due of {$430.00}. Surprisingly, I have never applied for any account or credit with XXXX XXXX XXXX.This really got me worried and frustrated. It dawn on me that my information has been compromised and that I 'm a victim of an identity thief. I went junk mails received to date found letters from XXXX XXXX, and XXXX XXXX XXXXXXXX with ref # XXXX. I contacted Experian and XXXX XXXX XXXX disputing their report which is hurting me seriously, also filed a police report with case # XXXX.
Consumer complaint received 2017-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

I have student loans with Navient that are set up to auto-pay ( which means I 'm never paying late/compounding interest ). This auto-payment satisfies my monthly interest requirement, so I 'm trying to make extra payments that are applied to my principal only ( I did this with XXXX and never had any problems ). 

On XXXX/XXXX/XXXX, I submitted an extra payment and sent in a message instructing that all of it be allocated to principal. On XXXX/XXXX/XXXX, Navient responded : " When a payment is posted to an account, it? XXXX first applied to the interest that has accrued on the account since the payment was received. The remainder of the payment is then applied to the principal balance. '' When I checked my history, I found that they indeed did not apply my payment as requested. 

So I tried again. On XXXX/XXXX/XXXX, I sent in another extra payment, and sent in a message instructing that all of it be allocated to principal. On XXXX/XXXX/XXXX, I received a response with a similar message : " ... funds can not be applied to the principal balance until all of the unpaid accrued interest has been satisfied. '' I know that they do n't have to do it this way because another lender would allow it.
Consumer complaint received 2017-10-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

There are two debts that I paid in full that are still listed as charged off with a balance owed. These were paid in full and shouldnt show as charged off. After the investigation Experian says that these debts were verified by the creditor. The creditors are below are below : XXXX XXXX- shows on report I owe XXXX XXXX XXXX
Consumer complaint received 2017-10-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (IL)

I have received multiple calls per day for the last 7 days from a robocall saying that the call is in regard to a debt. I do not have any outstanding debts. When I XXXX the number XXXX, there are multiple reports that this operation is a scam. The company identified is Penn Credit.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I recently requested a copy of my credit report from all three credit bureaus. When I received the report from 2 of the 3, I saw that they had some false information on it so I wrote my first dispute letter requesting documents they had to validate these debts. Some of the items were removed and others werent. The item Im referencing now is with a collection agency called XXXX XXXX XXXX. It was for a school that I never attended. I have asked for proper documentation with two different dispute letters but the credit bureaus nor the collection agency will comply. If they cant provide me with documentation of this debt then it needs to be removed from my credit report.
Consumer complaint received 2017-10-20
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. (CA)

On XX/XX/XXXX I mailed a correspondence to XXXX XXXX XXXX due to the fact that XXXX XXXX XXXX was reporting a debt ( alleged account number truncated from credit report XXXX ) and outstanding balance of on my credit report, which is completely in error and false. My correspondence was received by XXXX XXXX XXXX on XX/XX/XXXX per USPS tracking number XXXX XXXX XXXX XXXX XXXX and signed for by a representative of XXXX XXXX XXXX XXXX per the return receipt received by me ( XXXX XXXX ). The reason for this correspondence was to have XXXXXXXX XXXX XXXXXXXX cease and desist reporting to the credit bureaus until this alleged debt can be lawfully verified. I provided 30 days to XXXXXXXX XXXX XXXX for a response ; it is well past 30 days with no response from XXXX XXXX XXXX. I have attached a copy of this correspondence in this complaint to ensure that it is on record that XXXX XXXX XXXX did receive my correspondence twice, one in the mail and one through this complaint. According to my credit report this item/account was still being reported as  of XX/XX/XXXX well after receiving my correspondence, so XXXX XXXX XXXX apparently has decided to ignore my correspondence but continue to report false information on my credit file. If XXXX XXXX XXXX continues to violate the law, I will pursue litigation and seek full damages for the injury they have caused me and continue to cause me by defaming my name and character.
Consumer complaint received 2017-10-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AK)

We obtained a loan with Wells Fargo Financial and have been trying for 6 years to refinance to a lower rate that would cut out mortgage payment in half. Wells Fargo Financial recorded an illegal deed against our home and we have had title issues and have not been able to complete there refinance. We first applied for a refinanced in XXXX. After paying {$1600.00} for an appraisal, eventually true appraisal expired and we could not pay for another one. We tried again in XXXX to refinance to prepare for retirement and the same thing happened. Because of the illegal deed, again we were unable to complete the transaction. We have lost out on thousands of dollars on the appraisal fees and interest paid on the loan.