davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TN)

I have been contacted by IC Systems for XXXX XXXX over an old phone bill that was originally {$810.00}. They kept bugging me in spite of the fact that I told them I can not work due to an injury and so in XX/XX/2022, I agreed to pay {$5.00} per month until my sister could help me pay it off. They sent an agreement to me in the form of a PDF file locked with a password to my email agreeing that, " an I.C. System employee, who documented your offer to settle the balance of {$810.00} owed to XXXX XXXX for the reduced amount of {$120.00}. '' I have paid the $ XXXX each month on time via auto pay from my bank. My sister called today to settle up the remainder of the bill and they decided to argue that I now owe the entire {$810.00} again. This is ridiculous and obviously an attempt to go back on the agreed amount, which I have documented proof of in the PDF file. Today is XX/XX/2022 and I would like this matter to be settled at the agreed amount of {$120.00} as my document states, and for this company to stop trying to swindle me out of more money. Thank you for your time. I will attach the PDF, but you can not open it without the password, which I will be happy to give in private.
Consumer complaint received 2023-02-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NE)

Payments were not applied correctly causing hardship and affecting credit. Loan modification offered contains {$24000.00} forbearance for being 1 month late. Requested to cancel loan modification that starts to avoid {$24000.00} forbearance for no reason. After misapplied payments, current due for the month on XX/XX/2023, which i am not allow to pay since loan modification still under consideration. Need help getting this mess taken care of and all the hardship it has caused. Thank you.
Consumer complaint received 2021-03-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Thank you for taking my complaint. During the pandemic, I was offered a settlement from Capital One bank to resolve a credit card that I had. Due to the hardship of the XXXX the XXXX of family members and the loss of employment of other family members, I had originally made an agreement with Capital one to pay the debt that I acquired. Being a victim of Identity theft and having to change to change my card, I become the sole provider of the home. With that said, I took it upon myself to contact Capital one to make an arrangement. Capital agreed to settle the debt for 2, 800 and I knew that I could attempt to afford that amount. while the pandemic was ravaging my family, I myself became sick. In the process my affairs where handled by another party. Recently I was surprised to learn that Capital One proceeded to breach the agreement and decide to send my paperwork to an attorney 's office for non-payment. While I made some attempts to rectify the situation, they never regarded me as a person who was dealing with my own financial, emotional, physical problems. While banks were making arrangements to work with me, I was referred to an attorney office in which the lady berated me on the phone and proceeded to aggressively harass me over the phone. I proceeded to tell her that I was under the impression that I had already made an arrangement with Capital One and didn't see the purpose of the call. She proceeded to tell me it was my responsibility to contact her every month to let her know what my status was. If you listen to the recording of my interaction with the call center, I was visibly shaken and terribly upset. This scary encounter landed me in the hospital. I am not sure what kind of practices that Capital One are using to assist those who have been hit by the pandemic but my call was not a friendly let 's work with you call. I was very disturb by the encounter and I need someone to assist me.
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (AL)

I detected an unauthorized credit card inquiry on my credit with Lowes/Synchrony Bank. The inquiry was on my report from a while because I have checked my report. 
I did contact Synchrony Bank by phone and was told that it was possibly an error. I do not have an account with Lowe 's nor did I apply. I was told to submit an dispute letter and it will be removed. I submitted the dispute by mail and received an letter back saying that the information was accurate.I do not own a home, nor do I shop any Lowes or any other hardware or home improvement store. 

I called XX/XX/2019 back when I received the letter and I talked to a customer service representative named XXXX, with Synchrony Bank. XXXX looked into the matter while I was on the phone. She placed me on hold for a while, when she returned, she stated she was removing the account from all three credit bureaus and it should be removed in 30 days. It has been over 65 and the unauthorized inquiry is still on my credit report and is causing damage to my score. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Synchrony Bank are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2022-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX is reporting CLOSED and PAID INSTALLMENT LOAN with collection remarks. This was never a collection. 

Date Updated XX/XX/XXXX Payment Received {$290.00} High Balance {$10000.00} Pay Status >Account Paid in Full was a Collection< Terms {$0.00} per month, paid Monthly for XXXX months Date Closed XX/XX/XXXX Remarks SETTLED-LESS THAN FULL BLNC ; PAID COLLECTION Also please remove all non-account holding inquires over XXXX DAYS old. 
XXXX from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Delete this. 
XXXX from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Delete this. 
XXXX from XXXX XXXX XXXX XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Delete this.
Consumer complaint received 2021-03-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (TX)

XX/XX/XXXX I spoke to Flagstar Bank about my acct # XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX XXXX XXXX. Due to COVD I could not make my payment, they placed me in forbearance. Since XX/XX/XXXX I receive a call from XXXX XXXX XXXX every month, to the present XX/XX/XXXX was the recent call. Stating this is an attempt to collect a debt, I ask why are you asking me to make a payment in my forbearance? They say they can call to ask for my status, can I pay. I have emailed HUD to get help with a standalone partial. However they tell me Flagstar would be the one to start my application. I want the harrassing calls from the debt collector to stop. They do not offer any help with anything, except asking for payment.
Consumer complaint received 2021-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I requested the removal of the following inquires on my credit file : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX & XXXX & XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX I have no knowledge of these companies for any services. 

It was also conveyed to me that inquiries or a fact that I applied for credit or gave my permission to these creditors which is not a true statement!
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc. (GA)

I have had a problem with identity theft and the account 's being opened fraudulently unauthorized by myself I have disputed such inquiries with XXXX expressing my concern pf the amount of inquiries that has been made within the last 11 months the total increase is XXXX increase in 11 months and despite XXXX XXXX XXXX removing such unautherizrd inquires XXXX  refuses to remove inquiries lowering my credit score greatly and Making it extremely difficult for me to find employment employment because of my low credit score and amount of inquiries amount of inquiries that has been made in such a short period of time
Consumer complaint received 2022-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

Caliber has failed to pay required property taxes to XXXX XXXX florida. Property taxes were due XX/XX/2022. The loan documents and closing documents clearly state that both insurance and property taxes were required to be in escrow. The loan officer also clearly stated on multiple occasions that Caliber required escrow for both taxes and insurance. These documents were reviewed and signed at closing. 

On XX/XX/2022 I called and spoke to Caliber 's Tax Department to guarantee the tax payment would be made by the due date of XX/XX/2022. Representative confirmed that the payment would be sent. The automated recording system also states that caliber was aware of the property tax payment and would send a check before XX/XX/2022. 

Taxes were never paid prior to XX/XX/2022 and penalities were assessed on the tax amount. Because of this, I placed another call to caliber on XX/XX/2022, I called the tax department after the taxes had not been paid. The representative informed me that she saw the taxes were not set up to be in escrow in their system and transferred me to Customer Service to fix the escrow. Customer Service submitted a ticket to fix the escrow. Caliber representative stated that there was an issue with escrow shortage and that they would pay the prior year property taxes and it would be assessed over the next 12 months along with fixing the escrow amount so that the correct amount was placed into escrow. 

On XX/XX/2022, I called back to get an update. I was told they had to mail documents to set up a new escrow. I informed them that the escrow should have already been set up per my loan/closing documents. I was transferred to the escalation team and spoke to XXXX XXXX XXXX. She confirmed the closing documents stated the taxes were to be in escrow and submitted a ticket to resolved the escrow issue. The next few days I received call backs to give me updates that the ticket had not been resolved yet. After a few days I stopped getting those updates. 

On XX/XX/2022 I called back and was told the ticket had been closed- denied. The representative told me we needed to talk to the Escrow team manager but he was on a call. They guaranteed me I would get a call back same day but never received a call back. 

Taxes were again due on XX/XX/2022 otherwise additional penalties would be assessed on the amount. 
This issue has been ongoing for two months now and each month that passes more penalties are attached to my taxes. 

Per caliber 's terms and conditions, any escrow shortage would be paid by the bank and would be assessed on the next 12 payments. The loan and closing documents state that both property taxes and insurance were to be placed into escrow. Every payment to caliber was on time and for the amount due. I should not be liable for additional penalties assessed on the property taxes. Caliber needs to pay the prior property taxes they failed to pay in a timely manner and assess those onto the next 12 loan payments minus any additional penalties.
Consumer complaint received 2023-08-31
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Jennifer McCoy, PC (TN)

I contacted debt collector stating that their company reported a debt to the credit bureaus with false information. Also requested documents bearing my signature, verification from stated creditor that they are authorized to act on their behalf, proof that the company did not purchase the debt
Consumer complaint received 2021-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On going dispute with Transunion in regards to their handling of a Validation letter sent from creditor XXXX XXXX stating they were unable to locate my account. This has been ongoing for about 3 months, Transunion has removed then added, then removed and added the account again repeatedly to my credit account negatively affecting my score. They will send an investigation stating it has been deleted only for it to show back up two weeks later. The improper handling of this has caused my great stress and anxiety. I would appreciate the matter to be fixed as I get no where when I call customer service to speak to some one about the issue.
Consumer complaint received 2020-03-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

Continuation of XXXX In the forensic report the MERS : is yes at this time the status was changed after the report. 

Thank you very much for your very rapid and expedient response. Although you have answered all of my concerns in the previous letter, I am still not satisfied with the response being that PHH Mortgage can hold my {$55.00} ( which was a claim check from the hurricane damage to the property ) and claim that it belongs to them under Paragraph 5 which states because property was purchased through foreclosure. I did a forensic audit report on the property on XXXX of XXXX and it stated that XXXX XXXX , XXXX, Lender was a California Corporation was not a licensed corporation. It states, and I will attach a copy for you to review as well : The end result would be that the mortgage file, or any part thereof ( mortgage or security interest ), would not have legally been transferred to the trust to allow the trust to be considered a holder of your mortgage entitled to bring the foreclosure action, as they would not be a proper party before the court. You can read this information along with the rest of the report. This particular quote is on page 7.  My question to you is, how is it possible for the mortgage company to acquire my property if the original agreement was obtained fraudulently according to the findings described in the attachment? 

All I am trying to do is keep my property and your company insist on fighting unnecessarily. This house has been in my possession for 30 years, and my familys possession since XXXX. I have described to you how much I would pay for the purchase of my property and that included the {$55.00} ( which was a claim check from the hurricane damage to the property ) which I believe to rightfully belong to me, bringing the amount again to {$210.00}. This offer was denied, that being stated again how can an illegal mortgage company sell something legal under illegal pretense? 

Please see : Transcript Of Federal Judicial Act, of 1789 Chapter XX, Section 11 and PSA pages 53 and 116 I look forward to hearing from you very soon and please see attachment.
Consumer complaint received 2021-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: GOLDMAN SACHS BANK USA (NC)

On XX/XX/XXXX, I authorized a balance transfer from my Apple Card to my XXXX card, for the amount of {$1000.00} plus {$50.00} transfer fee. On XXXX XXXX, XXXX, I realized that the transfer had not yet gone through on my Apple account, so I messaged XXXX. They told me to wait another 14 days. I waited and contacted them again on XX/XX/XXXX by phone, and they told me to contact Apple because the transaction had gone through on XXXX 's end. I called Apple, and they informed me that they do not accept balance transfers ; therefore, the money. had been sent back to XXXX. I called XXXX to inform them of this. I was told that a senior account specialist was looking into my complaint, but then I never received followup on the issue. On XX/XX/XXXX, I called XXXX again, and they told me they could not help me. On XX/XX/XXXX, I filed a complaint with the BBB. The {$1000.00} was temporarily credited to my account, until XX/XX/XXXX, when XXXX decided that the issue was " resolved, '' and they sent me a letter stating that I would have to take up the issue with Apple. I then sent Apple/Goldman Sachs a letter by mail, explaining the situation and requesting that they work with XXXX to resolve the situation. Nothing ever came of that request. I still owe {$1000.00} to both XXXX and Apple.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX ; Experian and XXXX continue to report a collection on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and the agency has contacted the bureaus to remove this from my credit report. Unfortunately, the bureaus have not done this. Please remove this line item. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well to fix this however, I have not been successful.
Consumer complaint received 2022-12-31
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: Source Receivables Management LLC (MI)

Source Receivables Mng violated my rights. 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 an account without my written instructions
Consumer complaint received 2021-03-18
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. (AZ)

Rentdebt should not be reporting to Equifax ; XXXX and XXXX  a collection/chargeoff in the amount of {$450.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I never received any notification of this debt. Once I saw that this account was reporting negatively on my credit report I immediately contacted XXXX to discuss this. They refused to assist me in removing this false collection that was reporting on my credit report. I was never notified by telephone and/or email that there was an issue. The original creditor, XXXX XXXXXXXX never sent any notification either for any remaining balance due. I was the co-signer on a rental property for my son. His lease ended and he moved out per the rental agreement. There were no issues we were aware of. XXXX has no information regarding this and instead of working with me and explaining to me what this debt was for they sent it off to collections. This false reporting of a collection/chargeoff is seriously harming my credit score and this item needs to be removed. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus as well as XXXX  and XXXX XXXXXXXX to remove this however, I have not been successful.
Consumer complaint received 2022-12-31
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: Advanced Resolution Services Inc. (FL)

XXXX is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.
Consumer complaint received 2022-12-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

XXXX XXXX, I have been a victim of identity theft. A XXXX  XXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because XXXX XXXX was reporting inconsistent balances I remember paying this credit card off. All three credit bureau 's are reporting inconsistent credit limits, balances, high credit, and dates of last payment. I believe the credit bureau failed to properly validate this debt. I mailed a letter to this XXXX XXXX, but I received no response. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report. If this creditor is unable to provide the original documents of this debt along with validating I owe them this debt I would like it removed from credit report.
Consumer complaint received 2024-02-24
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)

XX/XX/XXXXXX/XX/XXXX is reporting late payments on my consumer report on the following dates [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX ] that I have no knowledge of ever being late! 

Furthermore 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.

Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;