davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOUTHSTATE CORPORATION (SC)

I had an online banking acct with south state bank for years buisness acct and during covid my acct was overdrawn but I never opted in for overdraft and I don't use checks it keeps me out of trouble this way but for some reason my bank decided to let my acct overdraft unknown to me and then close it .I went and paid the outstanding amount and they said would clear it up in about a week well it's been a couple of months now they have led me on to believe that it would be ok but come to find out later I'm in XXXX XXXX jail and I'm trying to deposit money there from a small business eidl loan and now I have no where to send it so now after waiting almost a year and half to get help from XXXX I'm back at square one .I called XXXX and filed a dispute and all they did if they even did this was call the bank and ask them if they were correct in doing this and of course the bank said yes .so I've been told to go here and there and back here in a runaround .and XXXX knows anything or can help just points finger elsewhere .my point is I never opt in for overdraft my understanding is that if the money is not there I can't spend it so why now did they do this.
Consumer complaint received 2015-06-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: North American Credit Services (AK)

Had previously reported personal identity theft to FTC. Personal information was used to purport a false medical claim against my credit resulting in a lower credit score. I did a search for the collection company, North American XXXX XXXX, which only resulted in a private XXXX page. Then did a search with the given #, XXXX XXXX XXXX XXXX, resulting in a list of consumer complaints - this same # posing as a telemarketer, a collection company and also a warranty service. Checked the BBB page which stated the company was closed.
Consumer complaint received 2016-08-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (MD)

Roundpoint Mortgage is undoubtedly prolonging my PMI termination request by three extra months as they supposedly conduct an investigation to my original request to them for termination. This appears to me again as an attempt to unjustifiably collect as much profit from a responsible mortgage payer as myself who has never been late or defaulted on any mortgage payments in over 20 years of home ownership with a XXXX plus credit score and a home that well surpasses the original 80 % LTV in todays market for this area
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 


XXXXXXXX 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 2016-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The item XXXX, Account number XXXX classified as an individual, utility company account was opened on XXXX/XXXX/2015 and maintained in good faith to be paid in full, every charge which was relayed to the XXXX residence. The date of delinquency first reported was XXXX. This is the same date as the final payment which was provided immediately upon notification of a delinquency in the amount of {$97.00}. The item XXXX is delinquent because, I changed the address on file from XXXX Address to Second Address to which they failed to send notification of an outstanding balance. We received no correspondence indicating an outstanding balance before it was sent to a collection agency and reported to you. Upon notification from the collection agency of an outstanding balance to our new residence we paid the balance IMMEDIATELY in full, which was to include a late charge. Because of this administrative failure by the XXXX Company my family has a now tarnished perfect credit report history, which is to say we have never missed a payment of any kind. I request an investigation to be performed to include any position which might dispute my claim. I attempted to contact the XXXX management to view my previous account and was told that this function was not possible. I also tried to verify phone transcripts and was told this was also not possible. If no proof can be found which invalidates my claim OR if my since closed account payment transcripts are not available I respectfully request that pursuant under the Annotated Code of Maryland XXXX XXXX, et seq and under Common Law basis XXXX my credit report is updated by the item XXXX being removed from a delinquent position to accurately reflect this truth.
Consumer complaint received 2017-03-07
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NETWORK CAPITAL FUNDING CORP (FL)

I was trying to refinancing an FHA loan, my actual loan amount is {$220000.00}, the lender Network Capital funding corporation want to do a conventional and they changed many times the numbers, last Loan estimate was that my loan amount will be {$230000.00} included the closing cost and the escrow. They ordered an appraisal, that I paid {$470.00}, and came out {$370000.00}. The lender sent me the closing disclosure with {$230000.00} my loan amount with a closing cost increased for almost {$4000.00}. When I asked explanation they said that I told them that my house had a value of {$380000.00} so they have to charge me XXXX points and other stuff. They did n't send me a revise Loan estimate and my house is not under value. They keep calling me saying that I will save so much money and in six month I can refinancing again with {$0.00} closing cost. They insisted that my new loan would be so convenient for me and they said that the numbers changed because the appraisal came out {$370000.00} instead of {$380000.00}, before they were giving me a lender credit than after they just increased the closing cost with {$0.00} lender credits. They called me again last week, XXXX, saying that they want to fix it, he said that he really care and he want to close the loan, after almost an hour he proposed me 25 years refi loan, I told hm to send me everything by email, and only after see the numbers I would decide it. He sent to me and the numbers changed again, I sent email asking to fix it and asking the reason for the changing, no answer to all my emails. This company is ridiculous, they give you only loans that are not convenient they tell you numbers and after they change everything, unprofessional and very dangerous, I want just my money for appraisal back. Thank you.
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have previously disputed this credit card account from XXXX with both Transunion and XXXX. I have disputed the account several times and each time receive a different response from Transunion. The updates/responses I have received are- no payment information provided on my report or incorrect payment information reported on my account. I have also written to XXXX asking them to provide me with the payment history on the account and to verify the accuracy. I continue to get the same form letter from them which is attached as a file below. 
This account was charged off in XX/XX/2009, it has been charged off for more than seven years and should be deleted from my Transunion credit report. I have experienced re-aging on this account multiple times. And seen from the screenshot below there is no payment information attached to the account right now just a last payment date which is not accurate. 
Please delete the XXXX credit card account from my Transunion report.
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a chapter XXXX Bankruptcy on my credit bureau that does not belong to me. I have disputed the incorrect information several times and each time the credit bureau responds that it is verified. How can they verify something that is not correct? Apparently the law does not state how they are allowed to verify a bankruptcy and because the court does not verify they can use any 3rd party service they want to so called verify it. This is according to the credit bureau themselves, so not that they care its wrong as long as they verify it from some hack third party verification service that has it wrong. This misinformation has haunted my credit bureau for almost 7 years and I cant believe that a credit bureau has this much power and makes it so hard to get incorrect information off a report. The law needs to change and bureaus held accountable.
Consumer complaint received 2016-03-09
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Esser, James & Associates (CA)

On XXXX XXXX, 2016, XXXX XXXX from Esser James & Associates called my brother 's home and spoke with my sister-in-law. He told her that legal action would be commenced against me and that my social security was going to be investigated. He also told her it was a time sensitive matter and threatened legal action if I did not accept his " help. '' I have no idea what this is in regard to and have no record of him attempting to contact me directly. He shared my information with a third party, but never identified himself as a debt collector nor did he ever advise that the telephone conversation would be monitored or recorded.
Consumer complaint received 2015-08-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (CA)

I have XXXX open collections when I only owe XXXX school ( XXXX XXXX ) XXXX amount. 
So because their are XXXX its making my Reported Open Collections Balance {$4300.00}. When it should only be {$2100.00}
Consumer complaint received 2015-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a dispute complaint about 45 days ago, and nothing changed on my report these acct has been sold to different collection co. for over 7 years they are not mine, im XXXX did n't knowall this was going on in my report, I know I had id thieft XX/XX/XXXX I 've been in an out of hospital I want my credit back and make it rightht they all are small amount I do n't have money to pay for something that 's not mine
Consumer complaint received 2016-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I am an Authorized User on a Credit Card account. I have been in contact with my creditors furnishing this account to all XXXX credit bureaus. All except Transunion is not reporting this specific account on my Transunion credit report as well as not reporting on my Account Holder 's Transunion credit report. This account was supposed to be reporting from 2015 and we did not take notice of this unreporting until recent months when our credit scores were significantly lower than other credit bureau 's and compared what accounts were reporting and not reporting. Twice I have contacted Transunion and twice I came in contact with XXXX Transunion. Despite my informing him that the creditors have been reporting to Transunion, he continues to disagree and tell me that the creditors are n't reporting it and they need to contact Marketing Department directly. I said " Yes my creditors have in fact been in direct contact and I have documentation to show '' and he questions me. I requested today to speak with a Supervisor who tells me same thing as XXXX to have creditors contact Transunion directly. She said her name is XXXX XXXX. I told her I have documentation that Transunion is being contacted directly by my creditors and since she specifies Marketing Department handles the reporting I want the contact info and contact person to address this issue. She replies " I do n't have that information. '' I asked to speak to her Supervisor and she replies " I am the Supervisor. '' Funny how they are scripted to say this and how are we to know if such department exists, and if this department is even the one that updates credit reports. 
My complaint is they need to start reporting information, stop lying to consumers, and work faster to get matters resolved. This is months of good data going unreported!!!
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I went to the " ANNUAL CREDIT REPORT.COM '' site to receive all " XXXX OF MY BUREAU CREDIT REPORTS FROM XXXX, TRANSUNION AND XXXX '' ; filled out the form, and the XXXX credit reporting agency showed on my screen, I went to click on print, however a window popped up stating technical difficulties and to try again later. I clicked out of that window, I than clicked on " save as PDF '' however, same thing happened, a window popped up stating technical difficulties and try again later. I waited for an hour to see if I could try again, however, this time a window popped up stating I had already received my free annual reports from the XXXX bureau credit reporting agency 's for the year. SO I NEVER EVEN RECEIVED ANYTHING, NOTHING AT ALL, MY EMAIL IS XXXX ; XXXXXXXXXXXX
Consumer complaint received 2017-02-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX letter : XXXX XXXX has ruined my credit score, from XXXX to XXXX. I closed both my XXXX account and XXXX account on the XXXX of XXXX. I ca n't even access my accout but I got a email this morning saying I owed XXXX on my XXXX account. Immediately paid it today but I had no notice, no account and they made a charge on XXXX XXXX, 5 days after my accout was closed with XXXX balance. In fact my rewards was XXXX or something which I did n't care about. They started late XXXX with some " Hard Inquiry " junk then sent me a XXXX credit limit XXXX card I could never activate. they wanted drivers license copies, SSA copy, bank statement copy, all of which I sent them and they still wanted more info, so I do finally had enough and told them to close both accounts. All my other account are paid up and on time. XXXX XXXX is ruining my credit score. if it does n't stop, I will take legal action because this is how big business ruins people 's lives. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NJ)

I have notified Experian numerous times about this XXXX Credit Card that is still reporting on my credit report. That balance was written off from XXXX last year. Once a balance is written off from the bank they claimed it to offset their business taxes. The bank has not updated Experian on this account. It needs to be removed from my credit profile. 

XXXX Account Number : XXXX
Consumer complaint received 2016-12-12
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC (CA)

Jh Portfolio Debt Equities is misrepresenting the opened date and sum of the alleged debt on my credit reports that they are attempting to collect. 
The only validation that was sent to me were XXXX pages of a XXXX bank account not indicating how and why they have any legal rights to collect, how did they come up wit this sum or where did they obtain this information about me. 
Providing me with the last XXXX of my social and the mailing address on the XXXX bank statement is NOT debt validation as they could have stole this information or obtained it through any other illegal means. I did not enter into any contracts or agreements with Jh Portfolio Debt Equities, therefore they have no legal rights to report anything about me or my credit to the credit bureaus or attempt to collect anything.
Consumer complaint received 2016-09-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (TX)

I closed my credit account and paid in full. A purchase came through after the account was closed - which was fraudulent. The purchase amount was around {$15.00}. I attempted to report the fraudulent purchase over email and the over the phone and was unsuccessful 5 times to either stay on the phone with customer service ( disconnected twice ) and over email they would not allow me to resolve. At this point - I have paid the balance in full - multiple times. So that {$15.00} purchase amounted to over {$150.00} in fees for late payment. It seems out of this world. Although they said that the amount while under dispute would not accrue interest or fees - that is not how this has been handled. I just wanted to close my account.
Consumer complaint received 2020-07-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

Quicken Loans California XXXX XXXX and XXXX XXXX who are both NOT NMLS licensed continuously robo call me with recordings of their hourly interest rates. I asked them four times to stop, to put me on a Quicken Do not call list. I told them the phone they are dialing is already on the national do not call registry. They argue with me that it is somehow okay to keep paying for their robo calling service and bothering me. I am NOT a Quicken client, I never applied for a loan with them or their affiliates, I never initiated a question with these " XXXX  '' who also never state the APR in their annoying messages.
Consumer complaint received 2016-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc. (GA)

Since XXXX XXXX, XXXX, the NCC Business Services, a collection agency has been trying to collect money ( {$600.00} ) that I do not owe. They said I should have paid the early termination fee equal to two months ' rent to my previous apartment landlord, the XXXX XXXX XXXX, XXXX, GA. I paid the early termination fee equal to one month 's rent as stated on my lease term a month before my move-out date XXXX. I even verified the amount of the early termination fee with XXXX XXXX, Assistant Manager when the 60 day written notice was submitted on XXXX XXXX and when writing a check ( # XXXX ) in the amount of {$800.00} for that on XXXX XXXX with a separate check ( # XXXX ) for the last month 's rent and water bill in the amount of {$830.00}. On XXXX XXXX, I called the manager XXXX XXXX XXXX XXXX of the apartment right after receiving a call from the debt collector. The manager said I had a balance in the amount of {$570.00}. When I asked what the balance was for, she said I did not pay the early termination fee. As I asked her to check my payment history, now she changed that the balance was for the late charge fee because I returned the keys on XXXX XXXX, which is not true. At around XXXX, XXXX XXXX, I returned all the keys in person to XXXX XXXX, Leasing Consultant in the leasing office with a check ( # XXXX ) for a current water bill. The apartment unit had been thoroughly cleaned and there was nothing damaged. I asked for a move-out inspection, but they waved it. Right after that, my wife and I moved XXXX XXXX miles away XXXX and has never come back XXXX. I was expecting a final water bill if any, but since I moved out of the apartment, I have not received any kind of notice from the leasing office regarding the balance. I had XXXX more chance to talk with the manager over the phone on XXXX XXXX, and she refused taking and returning my calls after that. Another strange thing was that the manager was saying she had no idea about the collection agency. I have sent a debt validation letter twice to the collection agency on XXXX XXXX and XXXX XXXX, XXXX requesting a copy of documentation from the XXXX XXXX saying the early termination fee is equal to two months ' rent. I have not received any written response from the agency as of today. 
On XXXX XXXX, When I called the collection agency after talking with the apartment manager, I requested them to send me a letter regarding this debt. XXXX from the collection agency told me that they would report it to the credit bureaus right away if I would not pay the debt in 15 days. And he added that I would get a refund if it would turn out that the debt was not mine after I made a payment in full. So I paid with my credit card on the same day over the phone. After I did some research about debt collection, I found out that one would have 30 days to request validation of debt. Thus I called my credit card and put my payment on a dispute.
Consumer complaint received 2017-01-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (OK)

Sears Account XXXX Account inquires XXXX XXXX made at Sears, XXXX, XXXX, XXXX, OK XXXX XXXX Item XXXX Made payment on XX/XX/XXXX for XX/XX/XXXX bill that was due XX/XX/XXXX Item XXXX Made payment on XX/XX/XXXX for XX/XX/XXXX bill that was due XX/XX/XXXX Item XXXX Made payment on XX/XX/XXXX for XX/XX/XXXX bill that was due XX/XX/XXXX Item XXXX payment was applied to XX/XX/XXXX bill not to the XX/XX/XXXX bill. Item XXXX payment bill has a statement that I did n't make the XX/XX/XXXX payment. XX/XX/XXXX @ XXXX I called Account Inquires, spoke to Princes, I was informed that the XX/XX/XXXX payment was applied to my XX/XX/XXXX bill. I asked that the XX/XX/XXXX payment be applied to XX/XX/XXXX bill. The options I was given was a removal of late payment fee or the refund of the {$50.00} XX/XX/XXXX payment. I told Princes, that I did n't want that because my credit report would still reflect a no payment in XX/XX/XXXX. Princes connect me to the supervisor, XXXX, who gave same options. I informed her that the current system of payment in store should be updated. The system does n't tell you that you are making a duplicate payment and give you the option to opt out of the payment. The current system will cause the customer 's credit rating to be negatively impacted because you will have a " no payment '' on your credit report that is false. This will reduce your credit score in a fraudulent way.
Consumer complaint received 2015-08-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

Hello I received an unexpected letter saying I owe XXXX XXXX XXXX and I want to file a FRAUD report. Someone used my name and information and false charges etc. I 've never owned a credit card since 2007 and got all my debts paid off under XXXX XXXX XXXX. Now this letter proves that someone is using my information and applied credit without my authorization. The XXXX account # XXXX and my name is XXXX XXXX XXXX. Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXThe best way to email me is : XXXXXXXXXXXX or call through an interpreter that is already jointed XXXXPlease advise how to handle this serious matter. This is XXXX worth of charges. Where are the charges being made from? If it 's from another state then clearly you know that is not from me! 

Thank you!