davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

I am filing this complaint in regards to a debt that I had previously dispute directly with MIDLAND FUNDING LLC ( XXXX XXXX ) ACCOUNT WWR # XXXX. I never received a response back from MIDLAND FUNDING LLC. I HAVE HAD SOME ISSUES with Fraud that are still being addresses. I am in the process of filling a FTC ID theft compliant at this time. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c )
Consumer complaint received 2019-05-31
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 and XXXX are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 18 19 and 31 40 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This issue is an existing problem which credit bureaus weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX
Consumer complaint received 2019-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL (WA)

PayPal credit. 6 months interest free account. I have a account and have been with PayPal from the beginning in XXXX. I signed up for PayPal credit when it first started up. Problem is the payments I have been making go towards to total amount due and not the oldest purchases I made with a 6month interest free. so the oldest accounts never get paid off on time and interest is charged. I have acumalated several tousands of dollors in interest and no matter what I pay it just keeps going up. When I was making purchases on XXXX PayPal credit was paying for my purchases Evan if I have more than enough in PayPal ballance to cover the purchase. In XXXX I was charged {$990.00} in interest for the year. This year alone almost {$400.00}. my payments now are only covering interest charged. I talked to 3 agents going up the ladder to the top overseer and he attempted to baffle me over with why and when and company policies. he kept apologising over and over and that, as i told him, was admission of wrong doing.
Consumer complaint received 2017-10-07
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I am refinancing a reverse mortgage that my XXXX mother had on her home. The problem is that the payoff quote from XXXX XXXX had a " past due appraisal fee of {$700.00} '' which I and my lender questioned. We both do not know where this fee is from and was told that they are allowed to charge a 'past due appraisal fee '' even though an appraisal was never done by them. After trying to clarify the fee they agreed that is was an error and they removed the fee of {$700.00}. However, by the time this was corrected on XX/XX/XXXX, which the quote was only good through XX/XX/XXXX it was too late and my loan did not fund. So I called the following Monday XX/XX/XXXX to request another payoff quote that was good through XX/XX/XXXX. The faxed the payoff quote on XX/XX/XXXX with the added " past due appraisal fee of {$700.00} again. So, again I called and requested a corrected payoff quote without the {$700.00} past due appraisal fee and was told they would not remove it because they are allowed to charge this fee, which makes no sense. I feel that I am getting deceived by this company. Also, when asked if I can see the so-called appraisal they could not provide one and could not even give the name of the company who did this so-called past due appraisal.
Consumer complaint received 2019-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

Ditech Financial LLC, servicer of my loan and escrow account disbursed funds from my account with out my knowledge or consent for fruaduent 3rd party life insurance product. On XX/XX/XXXX XXXX was disbursed for insurance according to most recent prinouts i recieved from Ditech. On XX/XX/XXXX a disbursement of XXXX was paid out. I was never informed of this. Over time my escrow shortages continued even when i would pay additional .They were continually advancing funds to pay my escrow and then charging me the shortages. I reviewd account and there was insurnace placed on it from 3rd party lief insurance broker of some sort. In XXXX i discovered the payout to the insurance broker. I asked for the document and teh agent at ditech faxed me a frauduent document showing a scribble on a life insurance document to have insurance added to my account at a cost. I immedietly informed thm of the fraud and they took the insurance off yet never informed me of the Large payouts to the company. I requested my documents. The ledger on my paymnets and what they have processed has many disrepancies in addiition to th payouts in XXXX. I have now contacted htem on mutiple occasions with no resolve and continue getting statements of escrow shortage that dont correlate with increases in taxes/ins.
Consumer complaint received 2019-06-03
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. (MN)

These accounts do not belong to me and I'm demanding that they be removed from my credit file. 

1 ) XXXX XXXX XXXX XXXX {$4200.00} 2 ) XXXX XXXX XXXX XXXX {$5800.00} 3 ) XXXX XXXX XXXX/XXXX {$4000.00} 4 ) XXXX XXXX XXXX/XXXX   {$3500.00}, please block the above accounts.
Consumer complaint received 2017-10-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (MI)

I opened a BMO Smart Advantage checking account at BMO Harris on XX/XX/XXXX.  When I signed up I used the promotion code to receive a {$200.00} bonus for opening the account after making two $ XXXX direct deposits withing 90 days. I sucessfully met these requirements after a direct deposit of {$300.00} on XX/XX/XXXX and another {$300.00} direct deposit on XX/XX/XXXX.
On XX/XX/XXXX ( after not receiving the bonus yet ) I contacted BMO Harris about the status of my bonus and was told that I did not qualify for the bonus because I do not live in one of the targeted states as part of the promotion. The issue with this is that when I signed up for the promotion there were no state requirements, this has only been recently added. Due to this I still deserve the {$200.00} bonus.
Thanks for your help!
Consumer complaint received 2020-10-27
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. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY PERSONAL INFORMATION AND FRAUDULENTLY OPENED ACCOUNTS IN MY NAME.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Unauthorized inquiries have shown up on my credit report this morning, and I can not understand why. Ive checked my credit report as usual, but today, there are errors I didnt expect. I even refreshed my browser thinking it might be a mistake, but the unauthorized inquiries are still present. I am requesting an immediate and thorough review of the documents Ive provided so that this issue can be fixed for good.
Consumer complaint received 2019-05-31
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: United Collection Service, Inc (FL) (IL)

My name is XXXX XXXX. In 2016 a debt was incurred for " XXXX XXXX '' using my social security number ending in XXXX for XXXX XXXX XXXX. This debt does not belong to me, has not been validated, and the collection agency as well as XXXX is till reporting and the investigation has exceeded 30 days without validation. I have called them and they have refused to speak to me because the debtor is " XXXX XXXX ''. They are not in compliance with FDCPA nor federal consumer protection laws. Their inaccurate reporting has adversely affected my quality of life and has caused undue hardship.
Consumer complaint received 2019-06-03
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP (CA)

In XXXX of XXXX, I set up autopayments on the US Bank website to handle the monthly payments for my auto loan on a used 2015 XXXX XXXX. My bank, XXXX   XXXX XXXX, didn't process the autopayment correctly and I consequently missed two payments of {$210.00}. I did consequently pay the full amount due of {$430.00} plus {$10.00} in late fees. US Bank immediately reported the late payment to the credit bureaus even though the problem was with XXXX XXXX XXXX XXXX handling of the the autopay setup. I called US Bank to explain the situation and set up autopay again. This time autopay went through, but US Bank refused to remove the derogatory remark from my credit report. 

Due to this derogatory mark, I'm unable to refinance loans to free up funds to assist my XXXX XXXX. I have a solid year of on-time payments since then, and I request that US Bank humanely consider that they received all the money due to them plus penalties and not hurt our future for the next seven years.
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

These accounts do not belong to me and I'm demanding that they be removed from my credit file.

1 ) US Dept of Education {$4200.00} 2 ) US Dept of Education {$5800.00} 3 ) Dept of ED/Nelnet {$4000.00} 4 ) Dept of ED/Nelnet {$3500.00}, please block the above accounts.
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The following accounts have been unverified properly but yet still reporting on my credit file, as a general rule the 3 major credit bureaus can not and should not use electronic Verification as fact. In fact and by law electronic Verification can not be accepted as proof therefore either you / the 3 major credit reporting agencies send me physical documentation to verify these accounts or these following accounts shall be removed and blocked immediately from falsely reporting on my credit file. Please remove these unknown and unauthorized accounts, 1 )  XXXX {$670.00} 2 ) XXXX {$820.00} 3 ) XXXX XXXX {$120.00}
Consumer complaint received 2019-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (CA)

I cancelled my service to XXXX and they said thank you and i thought we were done. Subsequently i received a bill from Waypoint telling me i owed {$310.00} for equipment. I was not informed that i needed to turn in equipment and I did not get any notification that i was being put into collections until it was already on my credit report. When i called Waypoint they said if i paid they would remove it from my credit, i said it needed to be deleted and they said it would be taken care of, so i paid to make sure my credit got cleared, still they did not tell me i needed to turn in my equipment. flash forward a few months it is on my credit still, says paid, but it was not deleted. They said they would not delete it after they inferred they would unless XXXX ( XXXX ) gave them the OK.I called XXXX and they said they would research it and get back to me. I had to call them weeks later for them to tell me they would not help and if i turned in my equipment the would refund the money i paid to the collection company. So now i am stuck with a collection on my credit because of lack of communication by the company and their error to notify me.
Consumer complaint received 2017-10-06
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. (TX)

These collection accounts below are not mines. I have contacted all three agencies and the Attorney General in which these companies have XXXX in to dispute the collection tactics. 

XXXX XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + XXXX Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported : XXXX XXXX, XXXX + XXXX} Needs Attention
Consumer complaint received 2017-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

My mortgage was sold fr om   XXXX   XXXX   ( which I 've never had any problems with ) to   Freedom Mortga ge.  XXXX  notified me of the service transfer on   XX/XX/XXXX ,   indicating that the payment switch will occur betwee n  X/XX/17  and   XXXX  . However, FM did not contact, notify, or inform me of how to pay  until  XX/XX/XXXX   - over two fu ll weeks after the service change.  <P/> I understand that no late payments can be charged within 60 days of the service transfer, but it is also my understanding that FM had the obligation to notify me of the transfer " no less than 15 days *before* the effective date of transfer ''.  <P/> I am concerned about having FM service my mortgage given their infamous customer service, accounting practices, lack of professional standards, etc..
Consumer complaint received 2024-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have a Bankruptcy Reporting on my Credit Report that is reporting inaccuracies, The XXXX  XXXX that was filed is incorrect and the Dates is incorrect, I will be sending Documentation of correct information from my attorney and I will like this inaccurate information deleted immediately because I have tryed to fix this and the issue has not been fixed and all my rights are being violated due to the FCRA, The Bankruptcy is Ref # XXXX
Consumer complaint received 2017-06-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stellar Recovery, Inc. (CO)

A door to door salesman for  XXXX   XXXX  came to our door and signed us up for an account. the account did not have as fast internet as promised and we cancelled within 1 week of signing up. We were told over the phone by  XXXX   XXXX  that no money was due and we were free of our obligation. When I viewed by credit report, I see a charge from  XXXX   XXXX  in collections. I called the debt collection company and they gave me the account number to resolve with  XXXX   XXXX . When I call  XXXX   XXXX  with that account number it comes up as a different person 's account.
Consumer complaint received 2017-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Santander went against their own policy in requiring that I obtain and pay for a home appraisal to remove PMI from my loan. Furthemore, they delayed the process for over a year causing me to have to pay for PMI during that time. In addition they refused to take my complaints and I was hung up on countless times by various people during this time. In the month of XXXX ( 2017 ) alone I had to place more than 50 calls just to get this service request fulfilled despite it being in our contract that they were obligated to do so. Despite numerous requests they could not produce any part of our contract which required that I pay for a home appraisal. I ultimately paid for the home appraisal just to have the PMI removed but only because they forced me to do so as it was not a contractual obligation and they would not otherwise. I last heard from Santander in early XX/XX/XXXX stating that they would refuse any further correspondence with me, including my requests for the contact information of their supervisors so that I may file a formal complaint. All of my calls and emails in the past month requesting that they process my complaints have been ignored.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (IL)

On XX/XX/XXXX, Equifax discovered that hackers had compromised their servers, exposing the personal information of approximately 143 million U.S. consumers. This personal information included names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers were accessed. My personal information was released in this event.
Equifax did not make any attempt to warn U.S. consumers until XX/XX/XXXX, when a public announcement was made. This delay is unacceptable, as it prevented consumers from taking mitigating steps in the aftermath of the attack ( e.g. placing fraud alerts and/or freezing their credit ).
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (CA)

My personal information has a high potential of being stolen and I am now at risk of of identity theft due to the Equifax hack. Equifax did not do a proper job in securing my sensitive information. I have set a Fraud Alert on my account but that is only going to last 90 days.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (CA)

Equifax mishandled my personal information and that of millions more in the country. 
The breach in XXXX XXXX has put us all at risk. I 'm extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call. I discovered the news via a news alert on my phone. Equifax should be required to monitor ALL accounts, for life, and notify victims if any fraud occurs. Credit fraud protection should be inclusive to ALL accounts, not a pay-for feature. This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

I have spent and will continue to spend uncountable hours, and will waste money I should n't have to part with just to freeze accounts if it comes to that. This is an undue burden from a company I have never chosen to do business with. Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

The credit reporting agencies are continuing to report inaccurate information on my credit file, accounts that are not mines, inwhich I'm holding them accountable for, for reporting un verified accounts. Accounts inwhich has not been physically verified by physical documentation but by electronic Verification alone, inwhich by law and as a general rule can not be accepted as proof .So I'm demanding that either these accounts be physical verified or block these accounts immediately. 

1 ) XXXX XXXX 2 ) XXXX/ XXXX XXXX 3 ) XXXX XXXX   4 ) XXXX XXXX 5 ) XXXX XXXX {$8800.00} 6 )  Dept of Education {$4500.00} 7 ) Dept of Education {$3500.00} 8 )  Dept of Education {$2200.00} 9 ) Dept of Education {$2100.00} 10 )  Dept of Education {$2000.00} 11 ) Dept of Education {$1700.00} 12 )  Dept of Education {$1700.00} 13 ) Dept of Education {$1300.00} 14 )  Dept of Education {$1000.00} 15 ) Dept of Education {$1000.00}
Consumer complaint received 2019-06-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (FL)

In contravention of the FCRA, XXXX began falsely reporting my account as delinquent to Equifax in XX/XX/2019 despite the account being paid off more than 2 years ago. The account 's current status is paid and should be reflected as such. It is not a current collection and it is not current late as being reported. 

XXXX is intentionally falsely reporting the current status in collection/charge off and as a current delinquency as of XX/XX/2019 so that it adversely affected my credit as a new charge off to drop my score. It is a deceitful and illegal response on the part of XXXX. Equifax can not seem to timely investigate and correct discrepancies that conflict with what the creditor has been reporting for years and when it diverges from what is updated ( i.e. if it's reported PAID in FULL/SETTLED 2 YEARS AGO, how can it be can currently IN COLLECTIONS and NEW DEGROGATORY INFO OF LATE AS OF XXXX OF THIS YEAR? )