davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

I was promised an investment of $ XXXX for my start up. The scammers, located in XXXX, made me send money to XXXX with the excuse that I had to pay fees to transfer that big amount into my US account. I never received the $ XXXX and the scammers always had a new reason to ask me for more money. After my account with moneygram got blocked due to many transfers in a short period of time, a representative told me I could delete my account and create a new one with the same email address and phone number. I did as suggested and kept sending money until one day I stopped. The transactions were the following : date of trans : XX/XX/23 amount : {$960.00} transaction # XXXX date of trans : XX/XX/23 amount : {$1200.00} transaction # XXXX date of trans : XX/XX/23 amount : {$1300.00} transaction # XXXX date of trans : XX/XX/23 amount : {$1100.00} transaction # XXXX date of trans : XX/XX/23 amount : {$1200.00} transaction # :
Consumer complaint received 2024-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC (CA)

I send my mortgage payment 10 days in advance via my personal bank bill-pay. On XX/XX/2024 I received my monthly statement that upon review I found that the monthly payment was short by about {$60.00}. I called Rocket Mortgage to pay the default amount and to correct this matter. Rocket Mortgage could not find any default and stated that my loan payment was up to date after being on hold for a considerate amount of time. I told them that that was incorrect, and then the phone line was dropped. I called again and made an extra payment of {$200.00} to cover any default of payment, which the person on the other side of the line said that it was not necessary because there was no default in payment. The next day, Saturday, I got this letter from Rocket Mortgage stating that I am charged a late fee because a default in payment ; I went to my online banking and added a {$200.00} payment via bill-pay. So, on Monday XX/XX/2024, I called and asked to reverse the late fee because the persons whom I spoke to didnt disclose the late fee information. They told me that to reverse the charge is not possible because the default payment has been paid. With this I reluctantly enrolled into automatic payment via Rocket Mortgage.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XX/XX/2022.
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (MN)

I paid the balance to XXXX  to Jefferson capital systems in XX/XX/2019. They told me that they sent a message to the credit bureaus that my account was paid in full on XX/XX/2019. However it is still showing on my credit report that I have not paid it off. When I disputed it on XX/XX/2019they said that they did an investigation and it shows that the information is correct. When it is not
Consumer complaint received 2022-12-26
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. (OR)

Under 15 usc 1666b this is a billing error, Ive always paid as agreed on time this is an error this account is in violation also Under 15 usc 1681a ( 2 ) ( A ) ( i ) Late payments are transactions and transactions are excluded from a consumer report.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX XX/XX/1982 ss # XXXX My Information was sold and bought illegally because I was a victim of the Equifax data breach, I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a Vitim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 






Sincerely, XXXX XXXX
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AZ)

Date XX/XX/2020, My credit scores dropped off XXXX point by EXPERIAN without any known reason. 
My scores went down from XXXX to XXXX. I dont remember i do any thing wrong. My history is 100 % percent. 
I pay on time and my debt % is less than 4 %. I just remember that i did one dispute for some companies to remove from inquiries and this is not the first time i do dispute. 
I dont know whats the reason that makes EXPERIAN drop my scores by XXXX points?
Consumer complaint received 2020-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch (IN)

I was only informed of this debt that I did not owe because I received a letter at my mothers house. Someone allegedly used my information to obtain furniture, they never made a payment, and I was sued because of this. I never signed a contract, made a purchase, went into any type of agreement with this company or any of its representatives. I found out this furniture was delivered to an address that I have never been associated with, and I have no knowledge of this debt.
Consumer complaint received 2024-04-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC. (MD)

Santander has completely dropped the ball!! I called in XX/XX/XXXX and escalated a concern, regarding a gap refund. My refund from XXXX was sent to them in error, at the time of my trade in. I wasnt aware/informed until this current week. I spoke with XXXX, who advised she will escalate to the XXXX XXXX She also mentioned call by friday if I hadnt heard back anything. I provided the check number : XXXX issue date : XX/XX/XXXX amount : {$420.00} cashed by Santander : XX/XX/XXXX. I was advised on my follow up today XX/XX/XXXX to contact XXXX, they would be issuing a prepaid debit card! I asked what to provide to XXXX, to which a supervisor confirmed, provide Santander account number! XXXX was unable to find me. I conferenced in Santander on a 3rd callback! To which an associate advised, its no longer their responsibility, to issue funds. Upon speaking to a supervisor, after an excessive hold. He advised I was misinformed, the check wasnt cashed, XXXX  would be reissuing the check. He never apologized for my experience, lack of consideration for my time, or the excessive hold times. He placed me on a few holds after advising hed have some sort of reference or confirmation the communications were sent to XXXX. When I asked for that, he denied saying that. He stated to expect to receive it in 30-45 business days! Im tired of all the back and forth, and inefficiencies in their communication. This refund needs to be expeditiously processed!!! The calls regarding this escalation from XXXX need to be reviewed for feedback!!! This company has completely failed in their service!!
Consumer complaint received 2023-03-01
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right. 

15 U.S.C. 1668 section 602 A. States I have the right to privacy.

15 U.S.C. 1668 section 604 A section 2 : It also states a consumer reporting agency can not furmish an account without my written instructions.
Consumer complaint received 2020-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (MI)

Chemical Bank did not send out invoices for XXXX. 
While I paid on time, and they claim no interest charges would accrue, they are now soliciting me for further services with their company. 
Today, Mr XXXX XXXX from the XXXX office ( NMLS # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) requested I call him for further services.

I have requested them not to solicit from me in the past. ( Date unknown, given verbally ) This is unacceptable.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (GA)

For months since XX/XX/2018 I have been disputing and following the law to have these items removed and each company reporting on my report has yet to validate their search upon request in accordance to the federal law as required which is a violation of the FCRA & FDCPA. 

I requested that each company please provide me of an original signature or any proof binding me to any debt with them they claim I owe in accordance with federal guidelines and each company has failed to do so after about 6 challenging attempts. 3 from myself 2 from XXXX XXXX and another from XXXX XXXX XXXX  XXXX XXXX XXXX. 

Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I have requested that each organization reporting derogatory items and negative closed accounts please prove this to me as I do not recognize or claim any accounts to be mine. 
Furthermore I have given them more than 30 days to respond accordingly and they have yet to respond proving or validating the debt within the 30 days required by law. 

The first challenges went out on XX/XX/2018 to XXXX XXXX XXXX for {$720.00}, There was a challenge for a XXXX balance as a charge off with them as well. XXXX XXXX also showed a {$720.00} balance along with XXXX XXXX with a balance of {$430.00} and XXXX XXXX for {$680.00}. 

I disputed each item and requested for proof my original signature as validation per the federal law requires within a 30 day period for I did and still do not recall such accounts. I informed them that failure to do so in accordance with the laws provided to remove any debt bearing my name on my credit report from their credit profile and to remove any negative item from my credit report. 

They responded with letters within the 30 day period saying that the debt was valid and their investigation was verified yet did not provide proof within 30 days of the initial letter as requested such as a signature binding me to the debt as the law requires. 

The second challenges went out on XX/XX/2018 to the same companies listed above for the same amounts and their responses were the same still failing to provide me with any type of proof validating the debt as the law requires. 

The third challenges went out on XX/XX/2018. As a final goodwill attempt along with More challenges sent out later via credit repair services between the months of XX/XX/XXXX-XX/XX/2018. 

Yet again these companies have within the 30 day span upon the initial challenge failed repeatedly to act in accordance with the law and have been in violation of the FCRA & FDCPA. 

I too requested Validation they have yet to prove it. 
Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I have repeatedly attempted to get XXXX information removed from my consumer account. 
I have spoken with the XXXXXXXX  clerk and I was informed that they DO NOT per the Privacy Act of 1974 provide information to third party creditors at all!! I did not give written or verbal authority to report this personal information to my consumer report. According to Law, I need these and all XXXX  Reports removed from my consumer account within 4 days.
Consumer complaint received 2019-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NY)

I am writing this complaint as I have exhausted all other options. For several years, my family and I have been victims of credit card fraud, bank fraud, and have all had our credit scores immensely fall. 

My mother, a government worker ( USPS ) for over 30 years has a credit score of XXXX after 2 fraudulent accounts were opened in her name by XXXX XXXX XXXX and Discover Bank.For 20+ years my mothers credit score and credit history was perfect, 750+ credit and fico scores for over 20 years and in a matter of two years her credit devastated. 

I, a XXXX year old college graduate have been unable to even open a credit card. There is one account that is currently on my credit report and several Hard Inquiries. I have filed FTC reports but that did not help. I have filed fraud for these inquiries and account and yet no proof is provided that they are my accounts. The credit card account in question is a discover card with a balance of {$1200.00}. Please help me get my credit back on track.
Consumer complaint received 2023-07-01
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: EQUIFAX, INC. (TX)

EQUIFAX HAS PROVEN TO ME THAT THE CONSUMER IS ALWAYS WRONG, even when they provide evidence to the dispute. The reason EQUIFAX SIDES WITH THE BUSINESS BECAUSE THEY DONT WANT TO LOSE A PAYING CUSTOMER, THE CONSUMER DOESNT MATTER ONLY THE BUSINESS. EQUIFAX DOESNT EVEN PROVIDE A COPY OF THE BUSINESS RESPONSE, THEY JUST SAY THE BUSINESS ARE CORRECT REGARDLESS OF THE EVIDENCE PRESENTED IN THE DISPUTE BY THE CONSUMER.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The CMI Group, Inc. (VA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2020, I had received notifications from each credit reporting agencies as well as other vendors such as a bank, XXXX XXXX and XXXX XXXX, to just name a few, regarding the significant decline ( > 40 ) of my credit scores. 

I had contacted XXXX  ( student loan lender ) on XX/XX/XXXX and XX/XX/2020, regarding the decline of my credit scores, and the comment that a remark has been removed from my credit reports caused the decline. I was informed that all of my accounts are in good standing and a few of my loans are currently in forbearance due to COVI- 19, and I have a couple of accounts are in a grace period. I was informed to contact the credit reporting agencies because it is the credit reporting agencies who has the ability to make a decision regarding my credit scores. I had informed the representatives that I had contacted the reporting agencies and I was informed to contact XXXX. I had requested for this matter to be investigated but was told that noting can not be done because all of the accounts are in good standing and this is has been reported to the reporting agency. After expressing the concerns I have and the request for XXXX  to advocate on my behalf, I was than informed that I can only make a complaint via writing a letter and sending supporting documents to XXXX  compliant departments. 

XXXX  submitted a dispute on one account but I was told that I can not dispute the other accounts due to the fact that all accounts are in good standing, but I was informed to contact XXXX  regarding my concerns. XXXX provided the same recommendation but I was informed to contact XXXX and the Board of Education. I contacted the Board of Education and was informed to contact the reporting agencies and XXXX. Each party stated that my credit scores should have not declined so significantly, as all of my accounts are in good standing and are either in forbearance or in a grace period. 

Since I was told that I could not submit dispute regarding my credit scores because of the reason above, I did not move forward to dispute with Experian. For Experian, there is no option to dispute my credit scores. 

I have made attempts to resolve my concerns but have been recommended to call each parties, with no solution. 

Thank you for your time and patience to assist me in this matter.
Consumer complaint received 2020-01-06
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC (KY)

Planet home lending would not give the payoff to the law firm. On XX/XX/XXXX the law firm contacts me saying they need me to send in a request. On XX/XX/XXXX I sent in the request. On XX/XX/XXXX o called to verify and see where we where on the pay off request. I was then told they received the request but did not process it because I did not send in the authorization for the request. While out of town I write up a document and fax it immediately. I call back that same day to verify and Im told it is being processed. XX/XX/XXXX I spend most of the day on the phone with them. I called early in the morning and was told it is being sent out today. I ask for a email when its done, Im placed on hold then the customer service guy gets back on the line and tells me they never received the authorization. I ask how it can be sent out today like he said if the authorization was not there. He informs me I can take a picture of the authorization and email it, so I did. I was told it will be processed today. I informed them throughout this process that closing was happening on Monday and throughout this process I was told it will be sent out today. Now here it is XX/XX/XXXX and the realtor calls and says they are at closing and still have not received the the payoff. This information is not something that I can see on the website and the only contact with them is through customer service who can only email and wait for a reply. Now because of their incompetence closing is being pushed back. I can not proceed with paying off my VA loan and another XXXX is stuck not being able to move in. When I call Planet Home Lending I get the same scripted information saying its being done today. This is by far the worse customer service I have ever seen.
Consumer complaint received 2018-11-06
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. (AZ)

XXXX has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX . XXXX and XXXX   have both completed their research and determined that XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2020-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RICHLAND HOLDINGS, INC. (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-01-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

I was monitoring my credit report and noticed a collection from Wakefield and Associates. I contacted Wakefield and Associates since this is the first time I've ever heard of this debt. Wakefield and Associates provided very little information on the debt ... They  stated they tried to contact me once by mailing me a letter. This letter was mailed to my emergency contact 's address on my medical forms and not to me. When I asked them to provide the contact information of the original creditor. All they could provide me with was an abbreviation of XXXX XXXX XXXX XXXX but they do not have an address or phone number for their own client. They told me the services was provided by a Dr. XXXX but the hospital where are the services were provided has never heard of a Dr. XXXX ... .. 
Lastly, I had insurance when I went to this hospital. There was a dispute between the doctor and the insurance company over the bill due to a incorrect diagnosis by the doctor. The doctor provided medication which worsened be conditioned and I had to be reefing at a medical facility which corrected the problem. Therefore the payment dispute lies between the insurance company and the doctor 's office and not me.
Consumer complaint received 2024-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Management, LLC (CO)

I received a letter on XX/XX/XXXX from A-1 Collection Agency, LLC requested debt payment for ther amount of {$300.00}. The company ( ies ) requesting payment is not mentioned in this letter. I do not have any recollection of pending payments or previous notices indicating that I own this money.