davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.Q. DATA INTERNATIONAL, INC. (AZ)

We rented an apartment XX/XX/2011.We were offered XXXX XXXX  to cover a large deposit instead.We found a home after two years of renting.I was under doctor care.So I was a XXXX. Two years after we moved. we started getting threatening calls from XXXX saying our family Cat XXXX all over. Which is an out right lie ... Our cat was a XXXX XXXX XXXX, indoor.And we were pristine tenants.The company was saying terrible things about what he would, or could do to us.It was horrible. Now after 6 years after our move.They still refuse to take me off the Credit standing and since contacting about not paying and their harrassment, abusive false claims. They are adding more to their balance. This company should be put in jail for their horrible threatening, dishonest scam, money collection practices ... We WILL NOT PAY, BECAUSE IT IS LIE..
Consumer complaint received 2019-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I contacted Mr Cooper/Nationstar on XX/XX/2019 notifying them I had received a statement on XX/XX/2019 that I had an escrow shortage of {$430.00}. I paid the escrow shortage in the amount of {$430.00} on XX/XX/2019. My payment was supposed to go down from {$1200.00} to {$1100.00}. There was and has not been any change in my payment even though I paid the shortage. I have contacted them 2 times telling them specifically what the issue was. One time was on XX/XX/2019 and I received an email that I would be contacted in 3-5 business days. After not hearing anything from them and no change for a few weeks I contacted them again on XX/XX/2019 and received and email that I would be contacted in 5 business. To date I have not gotten any response and I continue to be overcharged on my escrow. Ive paid the shortage and they are still charging me the pro rated increased payment even though I have notified them 2 times and provided there own escrow statement to them with the figures and details to support it. They are flat out refusing to adjust it or even acknowledge or contact me. Im simply being ignored and dismissed while they continue to take money from me incorrectly.
Consumer complaint received 2019-04-12
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. (CA)

The reason I am writing to you is to express my frustration with Equifax. This company keeps on reporting unverifiable accounts even after disputing with them a number of times. EVEN The creditors Have Agreed to DELETE but this company is still reporting this account to date. The creditors sent a request to this company to delete, so I don't know why it still keeps on reporting this account.

Below is the account whose creditor has agreed to delete but Equifax is still reporting : 1. XXXX XXXX ACC # XXXX, Date Opened XX/XX/2017 I am attaching prove of creditor accepting to delete this account for reference.
Consumer complaint received 2019-04-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: General Motors Financial Company, Inc. (WA)

I bought a van in XXXX  while on XXXX XXXX in XX/XX/XXXX. I XXXX in XX/XX/XXXX and moved to XXXX. InXX/XX/XXXX, I had the van refinanced to assist in a home loan approval. GM Financial ( the original finance company ) sent XXXX XXXX XXXX ( the refinance company ) a " release of lien '' letter, but never sent the title. XXXX XXXX was able to refinance it somehow, but this time, they need the title, and GM Financial won't send them a copy. I even tried going through the XXXX  Department of Licensing, however they never received anything from XXXX   either. XXXX  NEVER generated a paper title, I NEVER received a paper title, and XXXX XXXX XXXX has NO WAY to transfer the title to XXXX ... without a paper title.
Consumer complaint received 2019-04-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (PA)

I found out that I was scammed through a company who offers to pay me for advertising their product and I had to deposit a check that unknowingly was fraudulent i didnt know it was the check cleared after a day in my account so I just assumed it was safe the bank has frozen my account and demands money back that I dont have
Consumer complaint received 2019-04-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MD)

Clicked a link I saw online to get free information from Quicken Loans about refinancing my mortgage in order to save money. Clicked through, advised my credit to be run, and then got the results. They couldn't save me any money, all of the options were more expensive than I was paying. Later this morning, XX/XX/2019, I received a call from XXXX XXXX. The information I have for him is ( XXXX ) XXXX-XXXX, XXXX, NMLS : XXXX. 

I told XXXX that based on the results online, it didn't appear to be beneficial to refinance as all the options were more expensive than my current situation. He said he wanted to look into it a little more and that there may be more options he was able to provide than what I saw online. He asked for some basic information, and then told me he needed my birth date and social security number to give me some real numbers. I specifically told him I had already had a hard pull on my credit earlier that morning with Quicken Loans and that I didn't want another pull, he could just access that information that I already consented to. He then lied to me and advised that Quicken Loans could access that first credit pull for 14 days with no harm to my credit and without doing a second pull, he just needed my birth date and social to access the report. He then did a second hard pull on my credit, and all of the options he came up with would raise my monthly mortgage payment so I wasn't interested. When I found out that I was lied to and there was a second hard pull on my account I attempted to reach him at the number provided but was unsuccessful. I don't think it's fair for a company representative to lie to a consumer in the hopes that maybe it helps them to close a loan.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

It was reported on XX/XX/2016 that there was an amount that I owed XXXX   XXXX XXXX after they already closed my account. That amount still appears as unpaid on Chex Systems , Inc. Today, I went to XXXX XXXXXXXX XXXX and they told me that I don't owe them any amount, that it was already paid for.
Consumer complaint received 2019-04-12
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. (IL)

My Name Address XX/XX/XXXX Equifax Information Solutions LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX and XXXX XXXX XXXX XXXX XXXX   {$270.00} XXXX XXXX  {$110.00} XXXX XXXX  {$220.00} XXXX XXXX {$210.00} XXXX XXXX {$250.00} XXXX XXXX  {$230.00} XX/XX/XXXX I received a email dispute confirmation all six Disputes. XX/XX/XXXX I sent the {$0.00} balance receipts for each account that were emailed directly from original provider XXXX XXXX XXXX  XXXX. Debt XXXX XXXX and XXXX XXXX requested the validation information from XXXX and to this day have yet to t receive any response. Its now been more than 90 days since the request for debt validation. 
XX/XX/XXXX I received the letter from Equifax stating the debt was verified. I've spoke to a representative from XXXX and XXXX XXXX to inquire how the debt was validated. I was told they were still waiting for a response from XXXX. This was almost sixty days from when they received request for validation. 
I request that you describe the procedure adopted buto verify this claim, along with the names of the businesses, addresses, and phone numbers of those who have been contacted during this process. This is my right under the Fair Credit Reporting Act. It is disappointing to find a credit bureau not following the proper procedures and does not maintaining the accuracy norms. I request that you comply with the law and furnish me with the information I've asked for within a period of 15 business days. 

XX/XX/XXXX Dispute ( XXXX XXXX and XXXX XXXX ) Confirmed ( ie letter ) XX/XX/XXXX Dispute documents ( Six Paid Receipts ) received Confirmation ( ie letter XX/XX/XXXX Confirmation XXXX XXXX  Dispute Status Validation Confirmed XX/XX/XXXX Confirmation XXXX  XXXX XXXX and XXXX XXXX disputed accounts remain on credit file. 

Sincerely, My Name XXXX  www.CONSUMERFINANCE.GOV
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have a XXXX account on my file ( XXXX ). I attempted to pay this debt and XXXX refused the money saying they are no longer collecting this debt. I have attached a letter to that effect. It is a violation of federal law to leave a collection balance on my file that I am unable to cure.
Consumer complaint received 2019-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NC)

On XXXX  I closed a secure credit card account with CITI Credit Card. On XX/XX/2019 a balance of XXXX was debited from my bank account, showing a XXXX balance on the CITI Card account. They said that the card account would be completely closed 21 days after the initial closing date ( XX/XX/2019 ) to cover any usage and/or balance on the account. Which makes no sense. Their records as well as mine show no balance and the account is closed. The card is not usable, therefore there ca be no purchases.They also told me that it would be 100 days before my secured card deposit is returned in the form of a check. This is disturbing and makes no credible sense. I asked why are they holding my deposit. Their answer was unsatisfactory. All help is this matter is greatly appreciated. Thank you for attention to this instant matter.
Consumer complaint received 2019-04-12
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. (FL)

Good afternoon, I am having a hard time with XXXX report I have all the other Credit Bureau removed things that don't belong to me I sent all the document requested from me since XX/XX/2018 still not been sold. Transunion not sending me report back about investigation when I send several request I am attached the result from Transunion that three collection was removed from my report and XXXX and XXXX need to update my file. I am writing each of them with the same attachment I am sending you now.
Consumer complaint received 2018-09-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc. (WV)

I'M not sure on the date. But I order out of the catalog I got in the mail. I bought five bed spread, a bed skirt, pillow shams and a set of towels. And I returned it all back to the company. And the amount XXXX. And they never took it off my account. And I told them to fix it and I would pay my balance. And never would fix it
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VT)

problem whit bayview loan servicing on my credit report about every 2 to 3 month show 30 60 90  days late on payment i alwais pay my paiment on time my credit is very lo because of them they add fee on my account for nothing they call us avery day 7 day a week for a year or more this month my payment go up over {$200.00} is t a nightmare whit them i think they XXXX people lef and right i try to fine a lawer to file a sue again them but no success yet
Consumer complaint received 2019-04-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Omega RMS, LLC (FL)

In 2016 I went to XXXX XXXXl, XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX FL XXXX. to get consultation for a XXXX, and on my second visit a XXXX was force on me landed me into a another XXXX  office because XXXX done turning my XXXX in XXXX and my XXXX XXXX, and my XXXX. I went back to XXXX and complain of the trouble I was having after the XXXX and they advised me to use another XXXX XXXX for XXXX XXXX and no other help was offer to me. I signed an application for a new XXXX, the only thing I receive was a force XXXX that land me in to three other XXXX  office. A charge to my XXXX Insurance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX-XXXX  On the application I receive through XXXX, it state my monthly, income is {$5000.00} that is also false. 
Now Omegia RMS, LLC XXXX and XXXX XXXX XXXX , XXXX has place my name on collections.
Consumer complaint received 2019-04-12
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. (VT)

problem whit XXXX XXXX XXXX on my credit report about every 2 to 3  month show 30 60 90 days late on payment i alwais pay my paiment on time my credit is very lo because of them they add fee on my account for nothing they call us avery day 7 day a week for a year or more this month my payment go up over {$200.00} is t a nightmare whit them i think they XXXX people lef and right i try to fine a lawer to file a sue again them but no success yet
Consumer complaint received 2019-04-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Klima, Peters & Daly, P.A. (MD)

XXXX XXXX - Received Letter about debt from Peroutka, Miller, Klima and Peters XX/XX/2019 - Received Letter about debt from Peroutka, Miller, Klima and Peters about second debt XX/XX/2019 -responded with request for validations of debt to both letters XX/XX/XXXX - Received letter notifying me a lawsuit, case # XXXXXXXX had been filed. 

Left numerous messages for process server and attorney to meet them to receive the summons or have it sent certified mail. Told them I was not interested in dodging summons and wanted to know what it was about. 

Made additional request verbally for validation of debt because they never sent anything. 

Served with Summons on XX/XX/2019 As of XX/XX/2019 nothing had been sent in response to my letters. It was " in the mail '' they said.
Consumer complaint received 2019-03-04
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)

XXXX XXXX XXXX XXXX XXXX marked me down as being 30 days late with account number XXXX. There is no way that I was late. I think this is exactly what Congresswoman XXXX XXXX was talking about when she said that the credit reporting system is broken.
Consumer complaint received 2019-03-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (VA)

XX/XX/XXXX I refinanced my vehicle lease # XXXX that I had with GM Financial Leasing with my Credit Union XXXX XXXX, it took 3.5 months after the check cleared for GM to release the title to the Credit union, once the title cleared I was able to turn in the vehicle tag and had the vehicle tagged and registered in my name the tags ( whihc I paid the annual cost ) were taken and I was informed that any cost would reimbursed back to GM. 

On XX/XX/XXXX I received a bill from the City of XXXX  XXXX for XXXX property taxes owed in the amount of {$94.00} which was for XXXX-XXXX  XXXX months of the tax year, I inquired prior to paying as to why I had bill as I paid GM for my property taxes ( {$560.00} - paid in XX/XX/XXXX ) and was informed that since they were no longer owner but that I was as it was no registered in my name that I had to pay the portion that the city had to reimburse back to GM for monies paid. 

as of date and my call again today I have not received the funds back that the city paid GM as my account is paid in full. I have called 3 time,XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX each time being told that they can only e-mail the Property Department and await a response as to where the finds are and when they can be released. 

At this point I do not how much even GM owes me as they also may have received a refund for the unused portion of my vehicle tags and registration, and seem to hold funds. 

All I want to know is when those refunds from City Of XXXX XXXX and from State ( DMV ) for my unused registration are going to be released and how long they legally have to hold these funds before releasing
Consumer complaint received 2019-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

I mailed a certified letter to each credit bureau starting on XX/XX/XXXX, XX/XX/XXXX, and then method of verification letters on XX/XX/XXXX and validation of debt on XX/XX/XXXX followed by Intention to file FTC complaints letters on XX/XX/XXXX. Each letter requested that Synchrony Bank verified my debt according to guidelines, and therefore true verification. NOT a billing statement. Since then, I only have been receiving billing statements from SYNCB/WLMRTD SYNCB/XXXX SYNCB/XXXX
Consumer complaint received 2019-03-04
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. (OH)

On XX/XX/2019, XX/XX/2019, and XX/XX/2019 I was rejected for credit because my Experian credit account was frozen. Three times I have followed their online process to temporarily thaw my credit report for 30 days so I can apply for credit and each time the response from Experian is that the report is not frozen. When I reapplied for credit, I received the same rejection for the same reason : credit report is frozen. I did not have this problem by thawing either XXXX  or XXXX. 

Now, my credit is damaged because I have two hard inquiries within 6 months on my credit reports. No matter what I do Experian tells creditors my account is frozen when it is not. 

Thanks.
Consumer complaint received 2019-03-04
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. (AZ)

On XX/XX/XXXX I submitted a method of verification. I specifically asked for all information they are using to investigate and come to the conclusion that all of the information is correct. They received the letter ( attached ) on XX/XX/XXXX. XXXX XXXX XXXX XXXX   Already on they are sending back through their online communication that these items have been investigated before and are refusing to investigate again. First, that is not what I asked for. I asked for the PROOF. Second, they have to investigate again if I send a letter stating I need proof based on the LAW. They want me to send proof from years ago. I don't have it. It doesn't work that way anyways. They have to send me what they are using to come to this conclusion. It is not guilty until proven innocent. They can not just report something without providing the evidence. I have asked for the proof by law within 14 days. They have until XX/XX/XXXX ( 14 days from receipt of letter ) to provide me the proof or they need to remove these items immediately.
Consumer complaint received 2019-03-02
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. (TX)

I AM A VICTIM OF IDENTITY THEFT. There were accounts open in my name. I notified the company in writing by sending them notarized identity theft forms and statements, and a multitude of correspondence, yet the fraudulent accounts still remain on my credit report in violation of Federal Law. They stated in both the first investigation as well as the re-investigation that they verified that those accounts and that they were being reported correctly, which was COMPLETELY UNTRUE!! I then, demanded that this company not only tell me who verified these accounts as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), I demanded to know the method of verification as required under Section 611 ( a ) ( 7 ). I also requested that this company send me a copy of the original creditors documentation, or ANY original documentation ( a consumer contract with my signature on it ) as they are required under FCRA to keep a copy in their files to verify that this information is mine and correct. THEY DID NOT DO ANY OF THE ABOVE. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. Pursuant to section 605B they are required to BLOCK the fraudulent information on my credit report resulting from identity theft within 4 business days and notify the furnisher of that information, in which they HAVE NOT DONE! THE LAW IS VERY CLEAR AND THEY FAIL TO COMPLY WITH FEDERAL LAW. I have made MULTIPLE attempts to have them delete these fraudulent accounts that were the result of identity theft, off of my credit report, yet the accounts still remain, and this company continues to violate my rights under FCRA.