davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: On Q Financial (GA)

InXX/XX/2021 we applied for a FHA mortgage to purchase a home. We were lease with an option to purchase. We applied to the mortgage company On Q Financial and within 2 weeks we received the news that we were approved to close on the existing home we were leasing account XXXX XXXX XXXX. We proceeded to pay {$410.00} for a residential appraisal. Two weeks before the scheduled closing date our loan officer told us that we were not approved for this home because the Debt to Income was too high. He then told us that we were approved to {$270000.00} to go start looking. We found a home and put down earnest money of {$1000.00}. We received an approval letter from On Q Financial that everything was good to go and we were guaranteed to close. We then proceeded to pay {$580.00} for a home appraisal and {$350.00} for a home inspection. We were informed by the companies that this fee was nonrefundable so be sure we have in writing our approval letter and green light from the mortgage company. We were told by our loan officer with On Q Financial that we were approved in writing. We did not close on the scheduled date and we had to extend the date because the funds were not at the attorney office. We then paid an additional {$250.00} earnest money to hold the property for us to close. We were informed by the Loan Officer with OnQ Financial that the loan would not be approved 3 hours before closing. Can we please see to be refunded by On Q Financial the amount that we lost under the false approval letter that was given to us! We would not have paid {$1200.00} earnest, {$580.00} for a residential appraisal, and {$350.00} for a home inspection if we knew the truth from the beginning.
Consumer complaint received 2023-06-21
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. (TN)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-12-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (NC)

A medical collection dated XX/XX/2020 from Radius Global showed up on my XX/XX/XXXX credit report. I had no prior knowledge of the collection. 

I did not conduct any form of business with the original creditor on XX/XX/2020 and do not understand why there is a debt. And, if I did have business with the original creditor on XX/XX/XXXX, there should not be a medical collection so soon after the visit. 

I neither received any written notice of the collection account, nor telephone call with attempts to collect the debt.
Consumer complaint received 2023-03-07
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. (OH)

I've have sent out letters going back from the XXXX of XXXX and then again on the XXXX of XXXX. I have asked for accounts to not only be verified but a record of how they verified it and to take it off my report if they can't resolve this matter. I ask for it to be done in 30 days because from my understanding by law they only have 30 to 45 days to answer and I've heard nothing.
Consumer complaint received 2021-10-11
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: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

I called to set my account Rushmore on XXXX, since XXXX when I called Rushmore and talk costumers service representative mess up and took out from my bank account {$120000.00}. On XXXX i agree to pay {$1200.00} to my monthly payment. Every month I would call Rushmore and let them know on the phone and do my payment give me verification code Since then my account tell me my payment when throw even thought it would not show out my end and I would call and confirm with them later on they started locked because of the error from the call center to do payment on online. Ive been calling the call center from Rushmore to try sort out the issue. I was getting harassed by that customer service representative because I kept correcting them saying Im not a mess or Mr. just please call me by my name, on XXXX I spoke with Rushmore rep they confirm my account number and routing number with my bank on the three-way call, the rep got mad and stared yelling at me and my banks because the account wasnt right plus Rushmore rep keep saying that I was paying with credit and not check when my bank confirmed that it was checking account. When I spoke with the rep from Rushmore got mad and hung up that Same day I called back and spoke with the Supervisor named XXXX on XXXX letting them know they know that I didnt see the payment out of my bank account but when I could call they would say it payed and gave me confirmation. Supervisor from Rushmore told me to fax my bank transactions to fax them over. I fax over the information XX/XX/21. I called Rushmore on XX/XX/21 spoke with XXXX told me to call XX/XX/21 so it can be post to my account. The issue never got fix since then when I call I get put on hold and transfer to someone else.Ive been trying to die my payment with checks next call center from Rushmore told me theyre no longer taking online payments that I will have to do checks. I sent them a check and they sent it back to me got rejected twice. Later on I got a letter in the mail saying that they are only requesting cashier checks.Since Ive been with Rushmore Ive only had problems doing payments nothings been sort it out and like Credit got damaged.I called and spoke with customer service Rushmore spoke with the representative saying that they need to speak with me didnt even have Nots nor didnt even know why they wanted to speak with me they told me to call back. I did and they still didnt have Nots nor good communication to tell me what whats updates going on. Rushmore has been giving me the run around and just putting me on hold whenever I call.Ive been trying to pay everything months but they are making difficult.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing to dispute the following information that XXXX XXXX supplied to XXXX, Equifax, and XXXX. 

This item in question is a XXXX XXXX account that was opened XX/XX/2017 with a credit limit of {$1300.00} is inaccurate because it was reported late and charged off. I have proof of the payments made in the months in question. I am requesting that XXXX XXXX have the items removed and adjusted. I was about to get copies of my past banking statement from months in question, showing the payments were made on this account to XXXX XXXX. Payments are highlighted on my statements. 

Enclosed are copies of banking statement supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete and correct the disputed items as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-10-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Butler and Associates, PA (MO)

Hello, I am writing to report a complaint against the company ( " Butler and Associates, P.A. '' ) for unethical debt collection practices. I first received notice about collecting debt on XX/XX/XXXX to the amount of {$310.00} ( principal + interest ). To which I responded with a letter requesting additional information, including who they are, state licenses to collect, itemized debt information, creditor information, debt validation information, and other information ( attachment A ). 

The company did not adequately respond to this request, so I sent an additional letter ( attachment B ). The second letter specifically stated for them to not contact me further regarding this supposed debt, until they have provided all the necessary documents to assess transparency and debt validity. 

I did not hear back for 10 months. On XX/XX/XXXX, I received a letter with debt notice with amount of {$330.00} ( principal + interest ) and the statement that if I don't validate within 30 days, they will assume it is valid. I have already disputed this and they acknowledge the dispute by sending a letter back on XX/XX/XXXX. 

Why are they attempting to collect now after 10 months? Is this an attempt to have interest collect on this debt? Why are they pretending that the debt wasn't already disputed?

Overall, my main complaints against this company is 1 ) lack of transparency about who they are and their clients ; 2 ) failure to conduct the debt validation process with their clients ; and 3 ) their continual harassment without providing information. 

Thank you for your consideration, XXXX XXXX XXXX
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

I made a payment, by check, to Citi Cards on XXXX XXXX by mail. My Credit Union deposited the payment to CitiBank on XX/XX/2021. The bill was not due until XX/XX/2021. The payment to my account has not been credited despite several contacts Via CitI-Bank 's online Feedback service and a call to Customer Service XXXX I have told CitiBank that I have a copy of my Check processed by my Credit Union. I asked for a manner to send them the copy electronically and I was told I could only FAX it. They are closed today for XXXX XXXX, so I will attempt to FAX the copy tomorrow. Customer Service did not tell me they were closed today. Their Customer Service is useless. I tried using their online Chat and Feedback services and was told the problem could not be resolved. I called Customer Service I could FAX the Copy and then was transferred to Billing where I was told I couldn't FAX it. When I told the agent that the rep who transferred my call said I could FAX it he agreed saying I could. Tried 8 times today, but because of the Holiday their FAX machine ( s ) aren't answering.
Consumer complaint received 2021-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX XXXX, WA XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$700.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2021-10-11
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: Early Warning Services, LLC (MN)

I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. All of the information listed on my Early Warning Services Consumer Report is inaccurate, and the information isnt mine because I was incarcerated. I am a victim of identity theft.There shouldnt be any information listed on my Early Warning Consumer Report.
Consumer complaint received 2021-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AL)

The mortgage was paid off by the federal assistance program, Hardest Hit Alabama, in XXXX. 2019. Instead of applying the payoff amount when received, XXXX XXXX ( formerly PHH ) carried it into XX/XX/XXXX. 

Consequently, XXXX XXXX, has held, refused to refund, and collected interest on our escrow of $ XXXX and applied it as a late payment. 

XX/XX/XXXX - XXXX Total Balance Due. 
XX/XX/XXXX - {$2000.00} Total Balance Due. 

There shouldn't have been anything that came out of the Escrow as we had switched insurance and paid XXXX directly. 

I encourage them to look into account history XXXX loan # XXXX XXXX as it should be well-documented due to the number of calls and written correspondence.
Consumer complaint received 2021-10-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (FL)

Discover Card has handed my fraudulent identity theft case over to XXXX XXXX XXXX XXXX to sue me over a credit card that I never opened, never authorized to be opened, never used to charge anything, and never paid for. I am being harassed by this law firm in Kentucky and am to appear in court on XX/XX/2021 for an account that is fraudulent. I have written to them, filed disputes numerous times thru the XXXX credit reporting companies, with Discover Card themselves, and with their prior law firm XXXX in XXXX XXXX Florida. This needs to stop!
Consumer complaint received 2021-10-10
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: Experian Information Solutions Inc. (PA)

I have sent letters to each XXXX, Experian, and XXXX on XXXX different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Consumer complaint received 2021-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Unauthorized debits from my checking account at Wells Fargo via XXXX service : 5 unauthorized transactions of totaling {$3000.00}. 

XXXX security breach by text message to my personal mobile device, followed by call from male impersonating a XXXX XXXX representative. I do not have any account at XXXX XXXX 

The XXXX service has caused a high unreasonable volume of fraud incidents which cause bank customers financial harm. XXXX accounts are set up by the fraudsters and used to transfer funds out of the victims ' accounts without customer request/authorization. XXXX security gaps leave victims without practical protections. Some bank customers have been compensated by the banks involved, depending upon the bank and its policies and the specifics of the incidents. 

Fraud claim submitted to Wells Fargo via customer service on XX/XX/2021. 

The transaction dispute was denied even though tokens did not match and none of these debits were requested nor permitted by me.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-10
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. (IL)

The account from XXXX XXXX is incorrectly reporting as " open '' : on my credit reports. This is not an open account and this account should be reporting as closed. This needs to be fixed immediately as it is severely affecting my credit and causing adverse actions due to incorrect information. Per the FCRA this must be fixed and accurately reported. In addition to this XXXX XXXX sent me an application as proof that clearly has no signature on it. Meaning that this application was not fully completed and they refuse to acknowledge it. 

The other primary issue is that the account from the creditor " XXXX XXXX XXXX '' remains UNVERIFIED and UNVALIDATED after multiple requests for validation I have sent to them. They have ignored multiple request and have sent me absolutely no proof that this debt is mine. This account I ask that you thoroughly review and delete. I requested validation more than 30 days ago. They keep saying they are emailing and mailing documentation but that is a lie. I keep providing the correct email and physical address and receiving nothing. They are lying to cover themselves and that is deceptive.
Consumer complaint received 2020-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

Poor service and unable to provide answers I called Loancare to notify them that my tax form for XXXX was incorrect in XX/XX/XXXX. The agent said they would fix it and send me a new copy in the mail and update it in my account on their website. It is now XX/XX/XXXX and they haven't followed through with either. When I called and told the agent to let them know I called in XXXX she confirmed that the request was logged. When I asked why it wasn't acted on, her response was " I don't know. '' Meanwhile, I need to file my taxes in a few days.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AL)

Paypal Credit includes an amount listed which is called " Amount to avoid Standard and Deferred Interest '' - this is fairly typical for most credit card companies but the difference is that Paypal Credit lists this number once per statement and it's static. The number does not change. So if you owe {$500.00} to avoid interest and then you pay {$400.00} it will still say {$500.00} is due to avoid interest. I feel this is a violation and is in place to confuse the user so they may not realize the entire amount has been paid. Many companies take this a step further and when you select " make a payment '' there will be an option for the amount to avoid interest. This is incredibly helpful for users to see what is left to avoid interest. However, Paypal only has " minimum '', " statement balance '' and " current balance '' ... There should be another option to pay the balance to avoid interest and that amount should be dynamic and update as you make payments...
Consumer complaint received 2021-01-07
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. (GA)

I have filed a report before all other accounts that where not mines where removed due to inaccurate information or never doing business with that company. XXXX XXXX XXXX XXXX is the only one that remains
Consumer complaint received 2021-01-07
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. (GA)

I have filed a report before all other accounts that where not mines where removed due to inaccurate information or never doing business with that company. XXXX XXXX XXXX XXXX is the only one that remains
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I was denied a loan based on my Experian credit score, I have been trying to reach Experian to rectify the situation. They are reporting multiple scores ranging up to 60 points difference. The bank was provided one score, I was provided a 2nd score when logging into Experian 's website, the 3rd score is coming from my free credit report. There is no live operator to contact. Previous disputes went ignored.
Consumer complaint received 2021-10-10
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: Bread Financial Holdings, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Experian I've tried to set up a online account but the online account will go nowhere to unfreeze my credit report I tried to call can not seem to find anyone to help me in regards to the website even though they gave me the number I've tried to call eight other numbers and all falls under two parts one to buy their services to for freezing or unfreezing your account but that will take a long time to establish because of mailing all your personal information through the mail copy of your Social Security card bank statements copy of your face personal information PIN numbers it is unbelievable amount of information that if it gets misdelivered someone has my life now I think this is absolutely ridiculous the other two credit bureaus don't hassle you this much to unfreeze your account.
Consumer complaint received 2022-11-01
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. (IN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX