davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Data Mortgage Inc. (AR)

We closed on the sale of XXXX XXXX XXXX, XXXX, AR XXXX for XXXX XXXX XXXX on XX/XX/2022. I obtained a payoff for his current mortgage from Essex Mortgage ( Loan number XXXX ). This payoff was good through XX/XX/2022, I added 4 days ( good thru XX/XX/2022 ) {$12.00} the daily per diem per the payoff statement received. I sent the payoff in the amount of {$120000.00} to Essex Mortgage overnight XXXX XXXX on XX/XX/2022. Per XXXX XXXX  it was delivered to Essex Mortgage on XX/XX/2022 @ XXXX DELIVERED Monday XX/XX/2022 at XXXXXXXX XXXX Signed for by : XXXX Essex Mortgage called my office on XX/XX/2022 and stated that the payoff amount was short. When I tried to find out why they said it was short, it was an evil rollercoaster of back and forth for a week. I spoke to over 5 people and yesterday ( XX/XX/2022 ) finally I find out after a phone call that lasted over 2 hours and 45 minutes going through 3 people that day, that they claim they didn't get the payoff check until XX/XX/2022 and on XX/XX/2022 they paid the Mortgage Insurance premium and now the payoff is short by XXXX ( that amount was only good through XX/XX/2022 ) My question that I keep asking is I have proof that it was delivered and signed for on XX/XX/2022 so why would you first pay an insurance premium on XX/XX/2022 and why would you think it is ok to charge the borrower for your mistake. This is a case on inner office misplacement and my seller should not have to pay for their oversight. I have tried to reason and talk to them and most of them have been very nice and appeared to want to help me but couldn't. The one person XXXX in the Cashier Department was very unprofessional and refused to speak to me about it at all, he would only communicate through the nice lady in loss and mitigation on emails. When she asked him if he would speak to me he flat out said no I have already spoke to them and will not again. If the payoff had not actually gotten to XXXX until XX/XX/2022, then I would not be disputing the shortage. My company would have no choice in paying it, but that is not the case here. 
Please help me get this resolved so I can close out this file for my office and my seller. I need them to accept the payoff check that was sent to them on XX/XX/2022 in the amount of {$120000.00} as payment in full. They can not expect us to pay for them making a mistake. 
Thanks so much for your time. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-05
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: CITIBANK, N.A. (FL)

I recently got a copy of my credit report and I notice that some of the information reported was incorrect. i contact the creditors and the credit bureau and asked for any information bearing my signature. As of today I have not receive any documents with my signature on it. Please help me with these issue.
Consumer complaint received 2024-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm writing to dispute the inclusion of this bankruptcy in my credit report. This is particularly concerning because I possess a court letter clearly indicating that it should not be reported to you. Furthermore, the involvement of an unauthorized third party only serves to heighten the absurdity of this situation.
Consumer complaint received 2023-07-12
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-09
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. (IL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
Consumer complaint received 2021-05-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC (FL)

QUALITY ASSET RECOVERY XXXX : When me my wife were relocating to Florida, we informed our landlord XXXX XXXX as we did not stay in the apartment for the final month of lease to keep our deposit as final rent and they agreed. Unfortunately, the leasing company still sent us to collections. We did not receive anything in the mail or receive any correspondence regarding anything. We moved to Florida to be closer to my XXXX XXXX and we had no choice but to move. We thought all our bills were handled and closed the door to Jersey. They did not keep to their word and did not kept the deposit without any issue.
Consumer complaint received 2024-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC (ID)

Attempted to call GC Services in XXXX TX after a collection was posted on my credit file. Debt is not mine. GC Services is unreachable through a phone tree that requires information that I do not have. 

They also never attempted to contact myself prior to turning the debt in for collection. 

Also contacted XXXX, but they want more information for a service I did not receive. Why is it possible for someone to open accounts/credit in my name and run up thousands of debt without a thorough or complete credit check? Then in turn, the company wants more information from myself to cancel fraud than was likely given to open an account. Why should I have to take my time to prove they are at fault and that it wasnt me rather than a thorough credit check?
Consumer complaint received 2022-11-09
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: Mortgage Research Center, LLC (RI)

XXXX XXXX located in XXXX, MO made a hard inquiry to my XXXX credit report without my authorization. I requested documentation of a XXXX XXXX loan application and they told me they " will not be able to accommodate my request ''. Their action was unlawful. 

Here 's the confirmation that they have NO documentation : XXXX XXXX ( XXXX ) To : you Details XXXX, XXXX XXXX will not be able to accommodate that request, and due to being unable to fully meet your expectations of a lender we will be ending our business relationship today. Youve earned your XXXX  XXXX loan benefits, and there are many lenders who offer XXXX XXXX and may be able to better assist you. Perhaps working with a local lender that you can have a face to face business relationship with could better meet your expectations. 

Regardless, we wish you nothing but the best on your home journey and would like to thank you for your service to our country. 

XXXX XXXX XXXX XXXX  XXXX ext XXXX | XXXX ( fax ) XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX
Consumer complaint received 2020-08-05
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. (AZ)

Equifax continues to report an accounts that have not been verified. 

Accounts : XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX Equifax has responded amd stated that these accounts are valid. They supplied no documentaion showing my obligation to pay these accounts. Equifax did supply a contract with a unknown company XXXX XXXX XXXX the same documents sent to me from XXXX XXXX XXXX. There is no contract showing I owe XXXX XXXX XXXX. Its also shows that these are two different companies. ( Please see Arizona secretary of state business information attached ) XXXX did not provide their licensed information proving the validity of their company or their authorization to collect in the state of Arizona. I have no knowledge of any such account with them or XXXX XXXX XXXX and would like to have the original contract sent to my showing my wet signature. XXXX XXXX has no business with me and never has had any business with me. XXXX XXXX and XXXX XXXX bank have not been verified or validated as well there are no documents that I have received showing my obligation to these organizations.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Over 60 days I notified the three credit bureaus on the inaccurate information that is being reported on my credit report. I have been trying to get this situation resolved but has had no success in doing so. It would be a great help if you would help me with the inaccurate information that I upload below. I have been verym stressed and a lot of anxiety and need this to be handled please.
Consumer complaint received 2022-11-09
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. (CO)

Hello, My name is XXXX XXXX and my social security number is XXXX. I was steered into foreberance/hardship when I was eligible for income driven payment plans when my loans were serviced by XXXX. This caused me to gain more than $ XXXX in interest to my student loan accounts. They were also placed back into repayment while I was still in school as a student. 

Please help, Sincerely, XXXX XXXX
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I disputed a transaction with airlines and it took 4 months for Bank of America to respond and finally the airline responded with false information and the bank denied my dispute, they just accepted the merchant word without any due diligence work or any verification.
Consumer complaint received 2020-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (OK)

0n or XXXX I received a notice via email from XXXX XXXX Credit Card Services that an account need my attention, on checking my account I found that Franklin Collections  SVCS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported a collection on my credit report. I have contacted Franklin Collection XXXX four times about this account and explained that this is not my account. They showed no interest in getting this worked out. 
I contacted XXXX XXXX XX/XX/2020 at XXXX hrs talked with XXXX ID # XXXX in reference to this account She could not find any information on this account with my social security number,XXXX Name, XXXX XXXX XXXX or my address XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX OK XXXX Than stated she could not do any thing with out the account number or Social Security number on the account. The Account belongs to My son XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX under hid social number and address. I do not know his personal information. The last four numbers on the XXXX XXXX account from Franklin Collections is XXXX
Consumer complaint received 2022-11-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Giggle Finance Inc. (MI)

I applied for a small business loan when I was short on cash earlier this year. Giggle Finance was recommended through a rideshare app - so I decided to try applying. The application process was several questions- including a link to your bank account for " verification. '' The company told me I was approved for {$600.00} and sent me a text message that they would be in touch shortly to finalize details. As I was awaiting the finalization call, I noticed that they started taking money out of my account. I texted back the number that sent me the initial message and asked what was going on - only to realize that the number I had was someone's personal line as they responded late in the evening. She said they were beginning remittance on the {$1100.00} that I owed them. I told her I had not agreed to that, finalized, or signed a contract. She sent me an email with a contract with a fraudulent signature. I call my bank immediately and told them what was happening. They told me to reverse all transactions between the company- as it sounded like a scam. 
Several months letter I received a letter in the mail from the Secretary of State that there was a XXXX  XXXX placed on my name. I was trying to use my card for breakfast and my card was declined. I contacted the card distributor and they said my assets were frozen and to contact XXXX, XXXX, & XXXX for details. Upon contact they sent me the same fraudulent contract and said I owed Giggle {$2200.00} I explained to them the situation with no reply- only to receive an increasingly threatening letter that they were going to pursue further action against me. I have asked them for a breakdown of charges and validation of debt with no response. 

As a small business owner this continues to hurt my mental health and business I have been building for the last decade.
Consumer complaint received 2020-10-01
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: Onity Group Inc. (FL)

Good evening, To whom it may concern, I paid XXXX XXXX XXXX double mortgage payment for the month of XXXX. My account was recently transferred and my previous company sent XXXX XXXX a paid mortgage payment on their end and I paid a full payment in my end as well. When I spoke to a representative, they mentioned that the payment was in the principle account and would be transferred for my XXXX or XXXX payment. I was a new transfer to XXXX XXXX  and received minimal assistance with my double mortgage payment issue. The representative mentioned that due to current COVID-19 policies, they would not report any late payments, especially since I already have the payment in the principle. They took a long time to transfer the payment and after numerous calls, the mentioned they there were delayed with servicing everyone. The late reporting on my credit report should have never occurred. I am disputing to have the report removed from my credit. XXXX XXXX has rendered the worst customer service since my mortgage was transferred to them. They were very slow to assist but reported a late payment after I was told that they would not have under COVID-19. My credit has dropped 80 points and I would really appreciate the assistance.
Consumer complaint received 2022-11-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NC)

Received email promotion from Chase on XX/XX/2022 Get {$600.00} for both ( an extra {$100.00} bonus ) Chase Total Checking + Chase SavingsSM Open a new Chase Total Checking and a new Chase SavingsSM account and get {$600.00} when you open both at the same time and complete qualifying activities. 


Opened up both checking and saving account online and completed the requirement. but only received {$300.00} for the checking account. Contacted the bank multiple times this week, every time they just asked me to contact another department and not able to provide any resolutions.
Consumer complaint received 2022-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

What are we supposed to do? We pay by mail days before the due date, Specialized Loan Servicing ( SLS ), my mortgage processing company, claims they don't receive on time. We schedule auto payment through SLS website, days in advance of due date, and still up to 2 weeks they claim they didn't receive the payment. Today, XX/XX/2022, SLS on it's website ( XXXX ) claims they have not received the payment for XX/XX/2022, yet. In the 2nd attachment ( XXXX ), from my bank account statement, the record shows the full payment was sent electronically on XXXXThe 3rd attachment, XXXX, shows SLS received payment on XX/XX/2022 It's either incompetence, or worse yet an attempt to build a case for late pays, again, for future nefarious purposes. I would like SLS to acknowledge receipt of mortgage payment as they receive. Shouldn't electronic-payment process, established by SLS, be the fastest method of sending payment? Why 15 days or more showing payments not received?
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

I applied for an XXXX XXXX XXXX on XX/XX/2022. 
The physical card never arrived to my home address, it was intercepted, therefor I did not get a chance to activate the card, never mind, complete transactions. With this being my credit card is being used physically and online by an unauthorized individual. 

Below are the multiple attempted charges on the card on XX/XX/2022 : - $ XXXX XXXX - $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is the unauthorized XXXX XXXX the card completed on XX/XX/2022 : - $ XXXX I have an outstanding balance of {$66.00} due to the delay payments of the card and the charge of XX/XX/2022. 

This information is according to a Chase representative who I spoke on XX/XX/2022.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have tried calling Experian on multiple phone numbers I found online and there is no option to talk to a live person. They have inaccurate, incomplete, and unverifiable information which must be removed.
Consumer complaint received 2020-10-01
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. (WI)

Needed to temporarily unlock my account. Unable to do through on line system due to inconsistencies. Tried multiple ways to get to a live person to get this resolved. Even did an on-line search about how to get talk to a live person. Apparently this is a common problem with experian. System told me to submit documents via us snail mail. Home loan is waiting on this report and doing it Thru the mail is too slow. Its ridiculous that I cant reach a live person when the automated system cant resolve the problem. Very frustrating since I depend on them without a choice and they have nothing in place to problem solve with customers who fall out of the normal algorithms.
Consumer complaint received 2023-03-16
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)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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