davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX A XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$2.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$5500.00} ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (CO)

I refinanced my primary house on XX/XX/XXXX with Home Point Financial, aka Homepoint, who is, and was, the lien holder and one of the nation 's largest mortgage lenders and servicers. The auto draft of the prior existing account drafted on the XXXX for {$1600.00}. I called and asked them to refund my XXXX payment and stop the auto drafts. They issued a refund to the wrong mailing address. The payment was returned to them. I called on XXXX XXXX or XXXX and asked where it was. This is the date I learned of the wrong address situation. After talking with a representative from Homepoint, she said they will put a stop on the check that was previously issued and mail me another one to the correct address. 
I called today, XX/XX/2021, and asked about the status of my refund. The 1st rep. said that it was still being reviewed. I asked why, he said he didn't know, just that it was under review still. I told them that I want to talk to his manager or someone that can find out why. He transferred me to the escalation department. She said that no one has looked at it because of the storm over a week ago. I said that someone needs to get on it and overnight it. She replied, that they do not do that. I expressed my displeasure in how they are handling this and that we are not just talking about {$40.00}, we are talking an entire mortgage payment of {$1600.00} and that it has been 2 months. She assured me that she can do nothing to speed the process up, that they will cancel the check ( which should have already been canceled ) and issue another one. It will get to me when the post office gets to it. I asked again for an overnight or a wire, I was denied again. I asked for her manager, she said she will let him know to call me. 
In a time of Corona Virus, forbearance, loss of jobs and hard times for many many Americans, it is sad and frustrating that big companies like this take advantage of their customers, ignore them and treat them like they don't matter. When people can't even make mortgage payments, this mortgage companies hold mine for over 2 months. Would they give me that long of a grace period?
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX XXXX XXXX took over from Synchrony bank for the XXXXXXXX XXXX accounts. I made 2 payments to Synchrony XX/XX/2022 {$110.00} and XX/XX/2022 {$230.00} using my XXXX  XXXX XXXX on-line bill pay process. Since the payments were made to Synchrony I tried to work with Synchrony but they stated I needed to work with XXXX  XXXX XXXX which I have been for over 9 months. I am being told from XXXX  XXXX XXXX that Synchrony will no longer work with them and I needed to work with my bank XXXX to try and retrieve the funds back. However XXXX is informing me that Synchrony will not return their calls which mean I am out XXXX and XXXX  XXXX XXXX is charging me late fees and interest on the account. I have everything including the trace numbers for the transaction but none of the banks will help or take ownership to help me. I also understand that I am not the only person Synchrony is doing this too in speaking to the rep from XXXX  XXXX XXXX. This sounds like a class action law suite when individuals paid their accounts on time and now Synchrony bank is turning their back on consumers. I have all the information on every call I have made to try and get this figured out which is more than 20 calls over the pass 9 months. I need advise on where I should go next, this is now affecting my credit and interest and late fees are adding up. I am available and would appreciate some help. My wife filled the first CFPB complaint XXXX at which Synchrony responded with a letter stating I need to provide authorization for my wife to speak on my account- the number and extension they provided XXXX ext XXXX we called an no one answers and we are unable to leave any messages to get a call back. Totally unacceptable because we are trying to get this resolved
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Franklin Financial  Corporation (WI)

Franklin Financial reported my account was closed to the Credit Bureau, but it was never closed I was still making payment, and the Finance Company was making reports when ever I was at least 30 days late. Also, the amount they said I owed was never updated. Now I paid it off in full, but it still is saying I owe, but I paid it off in full as of to date.
Consumer complaint received 2023-08-31
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Omega RMS, LLC (WA)

I was contacted by Omega RMS from XXXX ( not sure of spelling ) at XXXX on XX/XX/23 who left a voicemail asking me to return her call in which I did. I called and asked to speak with XXXX but the representative ( XXXX ) refused to transfer me and took the call herself. XXXX was extremely rude, confrontational and unprofessional. I explained to XXXX that I disputed the debt and followed the dispute instructions provided on the letter I received. She proceeded to tell me that I " can't just say I dispute the debt '' and " where is my supporting documentation '' and hung the phone up on me. I called back and spoke with a gentlemen whose name, I did not make a note of and asked to speak to a supervisor. He stated there was no supervisor available but agreed to take a look at the issue. After some back and forth with this representative, he stated they had received my letter and will investigate which could take 30 days. The letter I received states that if Omega RMS receives the dispute by XX/XX/23, they must stop contacting me until they send additional information, which has not happened and that is a violation of the law. I strongly dispute this debt as I have been scammed by a fraudulent and deceitful company. 

https : XXXX
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Since XX/XX/XXXX I have been requesting that Experian provide me with the proof of their right to report UNverified accounts on my credit file in the form of physical contracts stored within their computer database. I submitted requests disputing these UNverified accounts via certified mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Every account I disputed was investigated by Experian and the results were " verified ' and updated, however Experian did NOT provide me with their method of verification and they FAILED to provide me with the copies of any original documentation of a physical consumer contract with my signature on it. Accounts I am disputing : # 1 XXXX XXXX open date XX/XX/XXXX original amount {$1600.00}, # 2 XXXX XXXX open date XX/XX/XXXX original amount {$6000.00}, # 3 XXXX XXXX open date XX/XX/XXXX original amount {$3500.00}, # 4 XXXX XXXX open date XX/XX/XXXX original amount {$2700.00}, # 5 XXXX XXXX open date XX/XX/XXXX original amount {$4200.00}, # 6 XXXX XXXX open date XX/XX/XXXX original amount {$790.00}
Consumer complaint received 2021-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Check Recovery Bureau, Inc. (NC)

I have ATTACHED : POLICE REPORT FTC REPORT ID/ BILL/ PERSONAL VERIFICATION DOCUMENTS TO THIS COMPLAINT I demand to have this removed within 14 days of receipt if not removed i will be seeking Litigation according to FCRA 605B ( 15 USC 1681c-2 and 15 USC 1681a-e ) I have disputed the validity of this account numerous times. Every time its come back as factual and valid. So I want proof within 15 days of the proof and validation '' accurate '' of these account. Pursuant to 15 U.S. Code 1681a ( e ) I want to know name, time stamp, dates, phone number and which the investigation consumer report was done. What family member, neighbor, friend did you talk to say my dispute is invalid and your investigation was factualaccurate
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC (FL)

XXXX XXXX, sold a balance of XXXX to security credit services. Security credit services is claiming they purchased remaining balance of XXXX. XXXX has confirmed they sold at XXXX on XX/XX/2019. A payment of XXXX was distributed by XXXX XXXX XXXX XXXX on XX/XX/2019 a third party service that provided statements and pay off information attached.
Consumer complaint received 2023-05-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have reached out to all three credit bureau. I am going on 4 months right now. I have sent them all my information. Things like picture of my ID, Bill, etc. The problem is that they keep giving me the run-around. I'm going on a vicious cycle of letter sending with no real outcome or proper validation. They keep sending me the same letter. I have tried to reach out to the creditor listed on my credit report but the post office says its not a correct address, the address on file for that creditor is not good. 

I can't get a proper verification of my debt and they keep avoiding the fact that they can't get a hold of the company either. I believe the company dose not exists anymore. 

The credit bureaus have violated my first two request as a consumer. I never got any letters from any of the credit bureaus. No respond, past 30 days. I understand that the amount I am trying to remove is only {$99.00} so it may not be a big deal for them. What am I suppose to do about removing something that can not be verified and that has a bad address that I can even mail money to get it cleared.They have violated conduct a reasonable investigation of my dispute, and correct or delete inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute. I will keep this letter as my record of this dispute and will look to hire an attorney for all my time, money, and physiological stress.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$1200.00} XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

Equifax continues to furnish unauthorized fraudulent unknown information after multiple dispute attempts. Including phone certified mail and fax. I Demand these non account items in violation of multiple FCRA 1681- 18 usc 1028a 6802 6801 6805 602 604violations be Permanently Deleted from EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-02-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (IL)

My loans are held with University Accounting Service LLC and were serviced through the XXXX  XXXX XXXX XXXX XXXX XXXX. I graduated XXXX in XX/XX/2020 and my payments were scheduled to go to the full principal out-of-school amount in XX/XX/2020, but I am in XXXX  school now and confirmed with them I could continue making interest-only payments ( the in-school mode ) until I graduated XXXX  school. I sent them my enrollment verification on XX/XX/XXXX and receipt was confirmed XX/XX/XXXX. When what was the grace period if I had still been out of school was up they started charging me the full principal amount. I have called four times and they won't fix it. 

I called in XXXX and asked them to fix it and they told me to wait 10-15 days and the change was effect. 

I called on XX/XX/XXXX asking them to fix it and they confirmed my status was " in school '' and to wait 10-15 days to fix it. 

I called on XX/XX/XXXX ( as the change has still not taken effect ) and they gave me the same answer, and she told me she would rush the change so it would take effect before my XXXX payments came out. 

I called on XXXX XXXX after a full principal payment had come out and he said wait 10-15 days and it would be fixed. 

It is XX/XX/XXXX and the full principal amount is scheduled to come out of my account in XXXX. 

My usual in-school interest only payment amount is an average of {$410.00} dollars. I was charged {$930.00} in XXXX, {$1200.00} in XXXX, and {$930.00} in XXXX. 

Last year I had an issue with them where they had not connected a new loan I took out for school to my account so I was charged interest and default charges and had a late payment on my credit report even though the loan was not on my account. They fixed it and the charge cleared off my credit report but I was still charged excess interest for the period I did not have the ability to pay the loan because it was not connected to my account. So this is the second major issue I'm having with them and don't know how else to resolve it.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

My concerns are that the credit card company did not acknowledge hardship and continued to add late fees and added interest that was not at the reduced APR as agreed. 
I contacted Comenity bank in XX/XX/XXXX and explained that I needed payment assistance and request to be placed in hardship program. I spoke to a rep from overseas and the payment arrangement was set for 12 months and I began the program ( so I thought ) In XXXX, I began to receive phone calls from Comenity bank stating that I was past due and I notice that the charges they placed on my account for late fees and ridiculous amounts of interest. Under the hardship program, there was a reduced ARP of 10-11 %. This was not it. I called on XX/XX/XXXX and was told that the last rep I spoke to did not enroll me into the hardship program, and did not offer to fix the issue. They simply said they can enroll me at that time. But I asked several times how and explained that I obviously did because I have payments scheduled for the reduced amount for the next year at the reduced rate. The rep did not have any solutions and did not offer to reverse previous charges that should not been on the account. I requested to speak to a US representative and was placed on a long hold to wait. Once a US representative was on the line, she did not see the XXXX conversation either and stated that after a few billing cycles the late fees should be reversed but now my credit score has lowered tremendously behind this and due to the high interest they werent supposed to charge me and late fees, Im nearly at the max and I dont know how to fix this. Its hard getting through with the telephone number thats on the card and on the website. Then, the company decides to lower the limit on my NYC credit card from XXXX to XXXX further damaging my credit score and left me with a remaining credit limit of XXXX. I paid that account on time and didnt have any issues with that account so Im frustrated with this company and their unfair practices.
Consumer complaint received 2023-07-24
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. (TX)

I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.
Consumer complaint received 2021-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (CA)

Back in late XXXX I called Mountain Run Solutions to take care of this collection for XXXX dollars. After giving them all my personal information, they still could not locate the account. At this point it seemed pretty clear that this collection was on my credit report by mistake. I then called XXXX to dispute this account because if Mountain Run can not locate the account, it should not be on my credit report. I then checked my credit report in XXXX and the account now says, This item remained unchanged from our processing of your dispute in XX/XX/2021. HOW?! It is illegal for this account to remain on my credit report if Mountain Run can not even locate it. This account needs to be removed from my report immediately.
Consumer complaint received 2023-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NJ)

When I called my loan servicer ( AidVantage ) I was told that I needed to reconsolidate my loans to get credit for XXXX payments going back several years. When I applied for consolidation at XXXX, the online offers included a 3 % interest rate at approximately XXXX XXXXXXXX. If this stated " as low as '' or something similar, it was not clear. 
I understood it to be the exact rate they were offering since it used my tax return. I selected AidVantage since I was already working with them. When I received the information in the mail about my consolidation, it said my interest rate would be 7 % and my monthly payment around XXXX XXXX I called AidVantage. They said I needed to speak to XXXX. I tried calling them several times, one time being in the queue for 20 minutes when it started ringing and then I got a message that my call could not be completed and it hung up. I just got someone on the phone at XXXX ( after being on hold for 40 minutes ) who is telling me they can not do anything because this is a loan servicer issue. 

The reason I reconsolidated my loans was for credit towards forgiveness going back further than what was showing. When I called AidVantage they told me this was wrong information and the agent wouldn't have told me that. I asked if the calls were recorded and they told me yes, but would not listen back. AidVantage was now stating that I had 0 credits towards forgiveness because I reconsolidated. 

I don't know what to do and feel like I was taken advantage of. I work in banking and have to go through trainings. One of the trainings said that we can give deceptive information. I feel like this has happened several times here, starting with the rate quoted online. Does this same deceptive information law apply to student loans too? 

Thank you for any help you can offer.
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DriveTime (NC)

I would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.
Consumer complaint received 2023-08-05
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: CORELOGIC INC (TX)

I have reached out to the CRAs to dispute the accounts listed in my identity theft report but I have not received satisfactory results. I have had accounts opened in my name and reported to the CRAs due to Identity Theft. In accordance with 15 U.S.C code 6801 and 15 U.S.C. code 6802 and 15 U.S.C code 1681 my rights are being violated and my name is being tarnished. I am only XXXX XXXX XXXX and This is seriously affecting my life and i am requesting these accounts be removed from my consumer report immediately or I will be forced to take legal action.