davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC (AZ)

Tried and thought we were approved for the deferment online. The website stated we were approved. One week later they sold our loan and stated our next month payment was due to the new company. I received an email asking to pay the current months bill but the website said I was approved for the deferment and we had a new mortgage company so I ignored the email. I have never been late and when I saw that they reported it to the credit companies they stated in a chat that others thought they were in deferment too and they ended the chat. I called and they said they couldnt fix the reporting and basically sorry about your luck. This is complete nonsense in a time like this!!!
Consumer complaint received 2020-05-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Knight Adjustment Bureau (UT)

Knight Adjustment bureau - XXXX - is reporting an erroneous account on my credit and showing a balance. I have disputed this several times with the bureaus and they claim it is valid and it OBVIOUSLY IS NOT! 
This debt was paid prior to even going to Knight adjustment bureaus and it was sent to collection in error. Now they keep reporting and updating a BALANCE on my credit file even though their own note on the accounts shows SETTLED FOR LESS!!! 
So how can this be valid? it is a clear and obvious violation and it has just affected my financing. I lost a house because of this so I have notified my attorney to pursue legal action unless this is removed immediately.
Consumer complaint received 2020-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I was approved for a loan modification in XXXX of XXXX the following month my servicer transferred my loan to another servicer, Ocwen was my servicer then transferred to PHH mortgage servicing, I guess they are the same company now..I was sent my modification trial agreement I signed it and sent it back, my first payment was XX/XX/XXXX, I received a letter that they can not take my payment until my new servicer can verify amounts so I called to verify this and they told me to try back in a week I did still not verified so another week same thing another week same thing, finally last days of XXXX they took a payment. Then in XXXX I wanted to make a double payment to complete my modification trial and get my mortgage current, I called to do this and customer service told me no more payments needed at this time loan trial is complete, so I was told to wait for further instructions by mail I received a executed completed loan mod packet with my new modified payment which I signed and sent back ..my new payment was to be due XX/XX/XXXX so when I called to make my payment they said I defaulted on my loan trial arrangement so my modification is not approved, but they did take a payment from me over the phone which my bank processed, then they told me my next payment needed to be sent by mail only which I did and the lost it therefore still leaving me in Limbo still. They agreed with me by phone it was there error and had me send back mod payments for about XXXX and they would reverse the modification denial so I did this was XXXX XXXX so I waited for there decision after appointment and appointment still no resolution, so in XXXX of this year still no reversal of denial so the modification Dept. requested another amount of XXXX which I sent certified funds so on XX/XX/XXXX I was told by phone my denial reversal is denied which I feel this is giving exceleration to forclosure sale upper hand. I have all my documents to include, including cashier checks and completed loan mod agreement which they agreed I was giving the wrong direction..please help me just have them honor the agreed modification otherwise during this covid era my family will have no place to live because of a forclosure pending sale process..thank you
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CURO Intermediate Holdings (WA)

This account that I am reporting was originally a short term payday loan I am a Washington State resident I went to Oregon state got a pay day loan for {$350.00} And some unexpected things happened and it wasn't paid then this account was added to my credit report which the original contract at that time did not state anything about Credit reporting the original company is called speedy cash then just recently it was sold off to a company called XXXX XXXX XXXX XXXX This company never ever notified me of anything that they had purchased the account they never sent anything in the mail stating that they were going to add this account to my credit report there was no communications I had contacted speedy cash collections department and asked them what happened and they referred me to the 3rd party company that has obtain the Debt And because of this tough time with covid19 Money is tight I had used Part of my stimulus money to pay this in full.. On XX/XX/XXXX it was paid in full Originally when I had contacted speedy cash I had a verbal conversation and I told them if I was able to pay this account in full would they be able to contact the 3rd party debt collector and tell them to remove this off my credit report and they said yes but they said I have to contact XXXX XXXX XXXX They referred me gave me the number I spoke to to people that day the 2nd person I had set up the payment it was processed and they have no other reason to report this on my credit report I have submitted multiple disputes and nothing has changed I have provided documentation to the credit bureaus supporting all the information is true that I gave from me contacting the original debt collector which was speedy cash then they referred me to the other company to pay it and they are refusing to take it off and this is a big problem specially in This time of need because I have other bills that I need help with and this sitting on my credit report is really badd when it was added to my credit report my score went down Big time All I'm trying to do is get this removed and move on with my life because I did not receive any notifications from this company no phone calls no emails no nothing up until I contacted them pay them in full So if we can get this fixed that would be nice
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NE)

I have a Barclay Upromise card and noticed a charge that we did not recognize on XX/XX/2020. I tried calling Barclay right away but was on hold for 30 minutes and then decided to email them securely. 

They responded XX/XX/2020 and suggested I try calling the merchant, which I did. It seemed clear it was fraudulent and so I called Barclay again. After waiting a 1.5 hours, I hung up and emailed again. 

They responded to the email and said they had to speak to me in person. 

I called them and was on hold waiting for a representative for 3 hours. It then took 45 minutes for them to help me get a new card. This is a total of almost XXXX hours today. Who has this kind of time?? Especially for a time-sensitive situation? 

I did receive resolution to this but I want it recorded that this was an unacceptable wait time for customer service.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX, an individual or individuals used my identity -- at least my name, maybe more, but not my SSN -- to apply for a line of credit with XXXX, which is my mobile carrier. On XX/XX/XXXX, I discovered that this resulted in a hard inquiry being made on XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXX 's fraud department and informed them of this. I was told that it would be investigated. I also filed a police report. 

On XX/XX/XXXX, I filed an online dispute with XXXX. I filed, with great difficulty, a dispute by phone with XXXX. I attempted to file a dispute by phone with TransUnion, but was told that I needed to contact XXXX to get a letter stating that the charge was fraudulent. 

On XX/XX/XXXX, I called XXXX to follow up with my XXXX inquiry. I spoke with a supervisor in the fraud department. XXXX had no records of my XX/XX/XXXX inquiry, and it was clear that nothing had been done. The supervisor told me that she saw a hard inquiry from XX/XX/XXXX with my name but not my SSN. She told me that she could only provide a letter if it was my SSN. I reiterated that the inquiry was fraudulent, therefore nor my SSN, yet it still appeared on all three of my credit reports. She/XXXX refused to look into the matter any further or take any action to have the inquiry removed. 

Not only am I the victim of an identity theft, but I also feel that XXXX and/or the credit bureaus are not following the law. First, XXXX initiated a hard inquiry into my credit with a fake SSN or an SSN belonging to someone else. This inquiry should not have been possible, as they should not have been able to verify my identity since it was being used by someone else with someone else 's SSN. Second, XXXX refusing to provide a letter to the credit reporting agencies continues the perpetration of this fraud. Third, shouldn't the credit reporting agencies have some agency in this? 

I was the victim of a crime. I have followed all of the recommended steps. The police have refused to investigate, and the companies involved have refused to cooperate. I have no faith that anyone will ever be held accountable, but I don't think it's too much to ask that I not suffer the consequences of a lower credit score, higher interest rates, and less financial stability resulting from me being the victim of a crime.
Consumer complaint received 2020-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (AZ)

Vanderbilt Mortgage and Finance refused to foreclose on my mortgage after I filed for Chapter XXXX bankruptcy without reaffirming my loan back in XXXX. They stated that as long as someone was paying the payments they were allowed to accept them. My ex-husband, whom was never listed on the loan in any way, continued to call in and make phone payments on the loan. In the past year they have also added more money to the original loan to pay back property taxes that accrued and were owed from the time I was released from the debt. I was told several times that this was legal and that although they have never changed the loan into someone else 's name, they will continue to accept payments from whomever is squatting there. I called back in XXXX to ensure that my information stays confidential and made it crucial that my personal information was not shared with my ex-husband due to a restraining order and other domestic issues. The account representative then spoke to my ex-husband and shared not only that I called and requested this, but also shared my contact information with him at the time. I moved in XXXX and updated my mailing address with the mortgage company to keep track of the loan that is still in my name. On XX/XX/XXXX an account representative allowed my ex-husband to call and change addresses to get my information including my new home address, and he was able to get my loan information sent to him directly. Vanderbilt has breached my confidentiality on more than one occasion and this needs to be investigated. I am not only responsible for HOA fees where my mortgage has not been foreclosed and my only recourse is to evict my ex-husband that is squatting there, but now I am in danger due to the breach of my personal information by Vanderbilt and his new ability to find me at my new residence. I have called several times to share this with the company and they state that because I am not longer liable for the loan due to my bankruptcy that they are now allowed to talk to anyone that calls about the account whether they are authorized or not. This is not okay!!! If they are allowed to talk to other people then they need to take my name and personal information off the loan and change ownership of the mortgage!! I have been dealing with this issue for several years and I hope someone can shed some light onto why this is happening and how to fix the problem. I should not have to deal with this for 30 years.
Consumer complaint received 2020-05-19
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: EQUIFAX, INC. (PA)

I am a victim of identity theft. Please see the attached documents relating to this case and completed FTC REPORT. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX I noticed there are discrepancies in the status of the account for a balance from XX/XX/XXXX. The balance of {$6300.00} is showing closed with a {$0.00} balance on my XXXX and XXXX credit report but is showing still open when I pull my Transunion report. This debt is past 7 years old and is showing inconsistent reporting on my credit file. Please help me clear this issue.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I went on line to check out statement ( no paper trail ). I realized a charge of {$86.00} was added to account. I contacted my credit card ( Capital one ) and they explained this was a interest charge carried over a balance? I am charge monthly interest fees? In XXXX I am also charge a service fee of {$35.00} yearly. Back in XXXX of XXXX, I explained I lost my job I am going to pay minimum payments for a while till I get on my feet again. They said no problem as long as you make the monthly payment. I have never been late on payment, on top of that I paid always {$300.00} or more a month and my last big payment was {$3000.00} I think XXXX of XXXX to lower payments. I have been paying {$160.00} monthly and notice this charge of {$86.00} on XX/XX/XXXX. When I contacted them in XXXX to explain my misfortune they never mention that I would be charged this carried over balance? Never heard of this at all. Had many credit cards and no such problem like this. 
If you can look into this matter, and looks like I won't be getting my job any time soon. And have Capital One remove this charge, they already get monthly interest and service charge. Thank you in advance XXXX XXXX XXXX I just ordered new card so do not have number B/date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 I recievied my BOA EDD card with my unemplyment benefits on teh card. I called to activate card, downloaded the app to see balance and hopefully tranfer funds to my bank account to pay my bills. Unfortunately you can not transfer funds via the app, so I tried to login on website, but the website is malfuncioning. I keep getting an error message when loging in, security information invalid, I tried another way by selecting need username as prompted, same message at the end. I trieid this 4-5 times to make sure it was not a user error, used same username and login, received same prompt. I called customer service, no answer for 1 hr. gave up On XX/XX/XXXX I tried again, talked to s customer ervice, they say the website is malfunctioning and they gave me the options to transfer me to technical support, or change my password to try again, or transfer me to the phone funds transfer. I chose tech support. The line they transferred me to was XXXX language, so after waiting 30min for a representative we were unable to communicate. I had to call back and wait longer to speak to someone. This time I chose option 3 ( transfer money to bank over the phone ). I waited on hold 25 minutes and the person says they do not do phone transfers currently. ( even though the automated system said otherwise. I pushed back and said i need to speak with a manager. they put me back on hold for 20 minutes. When they came back on they said they spoke with supervisor and were told that they are doing funds transfers after all. Now they transferred me to another person to actually do the transfer, Ii was placed on hold for another 15 minutes. no answer, it directed me back to the last person i talked to, now being transferred to a supervisor? I have been on hold for 15 minutes this go around still no help with transferring the money I need to pay my bills. I applied for UI on XX/XX/XXXX and it is XX/XX/XXXX, I am still unable to access my funds for the purpose I need them.
Consumer complaint received 2020-05-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

Hello, I received an entry on credit report XX/XX/XXXX, XXXX in the amount of {$930.00}. I contacted XXXX  on XXXX XXXX XXXX ( XXXX XXXX ) and the collection agency they use IQ Data International in XX/XX/2020. On XX/XX/2020 I checked my credit report again and the amount went to {$930.00}. 
No one has sent me a written verification of this debt. I spoke with property manager XXXX XXXX  on XX/XX/2020 and all the charges she read, I told her was inaccurate. Some of the charges she stated are the carpet couldn't be cleaned because it was at the 5 year mark and need to be removed- {$250.00}. The tile around the bathtub couldn't be cleaned they had to refinish it.- {$250.00}, holes in the wall, damages to the mini blinds, and pet damages. All of these are false. I paid a {$200.00} nonrefundable deposit in order to move in and none of that {$200.00} went to supposed damages. Where did deposit go and what was deposit for? 
I asked if she could either email or mail me a copy of the invoice and pictures. She agreed but as of today I still haven't received anything. On XX/XX/2020, I mailed a certified letter to IQ Data International. I received the postal card back with signature of employee but no written verification of charges. The damages they said I made to apartment is false. I sent IQ Data International copies of the photos that I took when I moved out. I also sent them reviews of other tenants who had the same fraudulent complaints as me. This has affected my credit score and I am no longer able to get a place to live because these companies want to make money.
Consumer complaint received 2019-10-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (VA)

I get a portion of my paycheck direct deposited into 2 accts, my main account at my credit union and a small portion deposited into my account with Cash App. I had set this up 2 months ago and had 3 previous deposits go as planned. On XX/XX/19 I got paid as usual but my XXXX deposit never posted in my Cash App acct. I have been trying for almost 2 weeks now to get this resolved but keep getting the run around. I have confirmed with my employer that the funds have been transferred. See attachment. I tried to have it reversed but was told that XXXX rules won't allow it at this point. The company doesn't have a phone number or a general customer service email address. You can only reply to their emails. If you try and email back outside the email chain, it won't go through. I am very frustrated and don't know what else to do. It's only XXXX but it's the principle. Of this was a large amount and I couldn't access to pay my mortgage, it would be a problem. They don't understand Error Resolution regulations either. They don't understand that if the process takes longer than 10 business days, they need to credit my acct while they continue. Please help.