davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

On our XX/XX/XXXXmortgage statement, my wife and I noticed a charge IAO {$500.00} for a vacant property preservation and a vacant property fee IAO {$500.00} which were both incurred in XX/XX/XXXX. Since we built this house in XXXX, this house has never been vacant and we have never been late on our payment with our servicer. None of the criteria necessary existed to trigger these events/charges. 

We called the mortgage company on XX/XX/XXXX and advised them of the situation and were advised this issue and charges would be resolved as they agreed the charges were not accurate and added in error. The resolution letter received 10-days later only gave the reasons this type of fee would have been added to an account. Again, we already understood why something like this would occur, but none of the events necessary actually occurred. 

The same charge appeared on our XX/XX/XXXX mortgage statement for which we called the mortgage company again and was assured this issue would be resolved. No resolution letter was ever received from the company from the XXXX dispute. 

We have now received our XX/XX/XXXX statement and the same charge is appearing. We feel we have now exhausted our options in dealing directly with the mortgage servicer and need help.
Consumer complaint received 2020-08-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TOLL BROTHERS INC (ID)

On XX/XX/XXXX I enter a building contract with XXXX XXXX, a Toll Brothers Company. I gave them the required {$2000.00} earnest money deposit and completed the VA Loan application that very day. I was approved for the loan within the hour. XXXX XXXX began construction on my home in XXXX, XXXX. However the Covid 19 Coronavirus struck in XXXX and basically shut XXXX XXXX   down. I have experience nearly a {$50000.00} lost in income and as of XXXX was disqualified by TBI Mortgage for their new home. TBI Mortgage is owned by Toll Brothers, who also owns XXXX XXXX. Under the VA Loan program and the Mortgage Contingency Clause, should I fail to qualify for the loan I am entitled to receive a refund of my earnest money of {$2000.00}. XXXX XXXX has threaten me with a lawsuit of not less than 5 % of the cost of the home, which was {$390000.00}. I was also threaten with arrest for trespassing if I was ever found to be on the construction lot without prior approval. Because I am a XXXX  XXXX   XXXX/XXXX/XXXX, I take the Building and Fire Codes rather seriously. That is not the case with XXXX XXXX or the City of XXXX Idaho who was responsible to conduct all Building Inspections. They both failed terribly.
Consumer complaint received 2020-08-12
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

Date Opened XX/XX/2005 ; Original Balance Amount : {$320000.00}. CIT BANK, NA reported to Credit Bureaus appearing as a Credit XXXX and held a consumer mortgage loan when it was false and provided misleading information. CIT BANK, NA was processing a counterfeit note involving a construction loan that was not my obligation which CIT BANK, NA is with information that they were attempting to collect a debt that was unsecured and procured by fraud. I filed a police Incident # XXXX, Case # XXXX, Classification XXXX XXXX, Identity theft. Account number XXXX. CIT BANK, NA has 10 days to produce loan application documents verifying it was the originating financial institution or was an entity that assumed a valid and enforceable not and or was servicing the original lender involved in a purported consumer mortgage loan pertaining to a real property purchase or refinance.
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Account sold or transferred to another company
Company: SYNCHRONY FINANCIAL (NJ)

I had a XXXX  and XXXX credit card with the original company, they sold to synchrony bank. Since selling the company I am not getting my statements via mail or electronic delivery. They allow the time to lapse then send me a you forgot to pay your bill email. When I reached out to the company they wanted me to validate my email for the statements. I did that and it is ironic how I am not getting statements but getting the you forgot to pay your bill then they've added late fees etc. This account should have been pretty much paid down and I never see it going down because I never receive the statements only late notices. To me this is fraudulent and predatory lending.
Consumer complaint received 2020-08-12
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TN)

I noticed this account on my credit file and was never contacted by the collection agency by phone nor letter. 

I have reached out to the collection agency on XX/XX/2019 and requested verification of debt including original creditor information. I requested information to help me validate the said debt but I never received anything. 

The alleged debt is for the amount of {$390.00}. 

The collection company is also not license to collect in the state of TN.
Consumer complaint received 2020-06-19
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. (TX)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX. Company Inquiries : XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2023-04-19
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kirschenbaum & Phillips P.C (NY)

Identity theft in 2009 Removed off report Company got a judgement They proceeded to restrain and freeze bank account for the amount. This was 11 years ago and in identity theft that was removed off report because did not belong to me.
Consumer complaint received 2020-06-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX XXXX. Company Inquiries : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2020-06-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX XXXX. Company Inquiries : XXXX/XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2020-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (TX)

In XX/XX/XXXX, I was contacted by XXXX XXXX/XXXX about a XXXX debt due. That month, I settled with them and paid my debt in full on XX/XX/XXXX for {$370.00}. In XX/XX/XXXX, another collection company called XXXX tried collecting on the same account. I emailed them informing that I already paid and to stop trying to collect. They immediately removed it from the credit agencies. In XX/XX/XXXX, another company called XXXX XXXX tries to collect on the same account. Now we are at XX/XX/XXXX and Credence Resource is trying to collect on this same account. I contacted XXXX  via email on XX/XX/XXXX and received a response from XXXX XXXX, Sr Specialist Executive Response, who said they show I still owe a balance, but do show that I made the payment to XXXX  in XXXX. I then call XXXX  on XX/XX/XXXX who confirms that I did settle and paid in full for that account in XXXX. They said they forwarded this documentation to XXXX. I asked if I could have documentation showing this information to prove I no longer owe the debt. They say they can not give me that because it is closed on their end and XXXX should have the information. I then email XXXX XXXX at XXXX and let him know this same information. He responds " You would have to consult the new collection agency as we have no way of enforcing them to remove the debt. Our records do not reflect that the account was settled in full with the previous agency. Have they provided you with any sort of documentation proving this? If so, you may present it to me and I can see if I can do something else. '' So if neither company can give me documentation rightfully due to me so I can get this nightmare to stop, what can I do? This is so unfair and keeps ruining my credit. The most recent collection agency, Credence Resource Management, says I need to speak with XXXX to get them to remove it because they cant do anything. If original creditor and every collection agency tells me I need to call the other person then how will I ever get this resolved? I have bank statements proving my payment and XXXX  recorded our phone call admitting that I paid in full. Please help with this nightmare.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) .amount of {$1100.00}. 
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) .amount of {$750.00}. i disputed this account requesting THE VALIDATION to this account and all document that credit report have to send me to validated this account. i never received any document from the credit report. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine. 

i'm requesting to remove unverified account to my credit report immediately under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (FL)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FinCo Services Inc DBA Current (IA)

When opening the account, I was promised {$50.00} and 4 % APY savings. After transferring over {$1000.00} into the savings account, within three days, the APY was dropped to a mere 0.25 % APY. Nowhere in the emails received on setting up the account does it say a direct deposit was required for the 4 % APY. However, I received a direct deposit of over {$400.00}, but still, the APY was not reverted to 4 % nor did I receive the {$50.00} bonus payment. I contacted their customer support who continually treated me disrespectfully, and refused to listen to what I was trying to tell him. The entire thing seems like a scam, bait and switch advertising, but I can promise I will end up taking my business elsewhere as soon as I receive what I was promised.XXXX
Consumer complaint received 2020-08-12
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. (TX)

Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. CHAPTERXXXXBANKRUPCTYDISCHARGED XXXX XXXX XXXX {$1500.00} XXXX XXXX {$1200.00} XXXX XXXX {$1500.00} XXXX {$3300.00} XXXX XXXX {$860.00} XXXX   XXXX {$710.00} XXXX   XXXX {$1500.00} US DEPT ED XXXX {$6300.00} USDOE XXXX XXXX {$49000.00} USDOE XXXX XXXX {$3700.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1700.00}
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. CHAPTERXXXXBANKRUPCTYDISCHARGED XXXX XXXX  XXXX {$1500.00} XXXX XXXX {$1200.00} XXXX XXXX {$1500.00} XXXX {$3300.00} XXXX XXXX {$860.00} XXXX   XXXX {$710.00} XXXX   XXXX {$1500.00} US DEPT ED XXXX {$6300.00} USDOE XXXX XXXX {$49000.00} USDOE XXXX XXXX {$3700.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1700.00}
Consumer complaint received 2020-06-18
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. (CA)

TO THE CREDIT AGENCIES, YALL HAVE WILLFULLY AND KNOWINGLY, DISHONORED THE FCRA 605B LAW - IDENTITY THEFT. IT HAS BEEN 3 MONTHS SINCE IVE NOTIFIED THE CREDIT BUREAUS WITH THEIR FALSE REPORTING, I HAVE NOT GOTTEN ANY GOOD RESULTS BACK, AT ALL!!! I'VE CONTINUED SENDING ALL NECESSARY DOCS FOR THE REMOVAL OF THESE FRAUD ITEMS. ALL 3 BUREAUS HAVE UNDOUBTEDLY THROWN OUT MY INVESTIGATIONS TO THE WIND AS THEIR HAVE BEEN NO RESPONSES OR RESULTS, THESE ARE UNFAIR BUSINESS PRACTICES. MY NAME IS XXXX XXXX AND YALL HAVE NOT GIVEN ME A FAIR INVESTIGATION, NONE OF THESE ITEMS I'VE LISTED ON DOCUMENTS BELONG TO ME. THERE IS NO WAY YOU'D HAVE EVER VERIFIED ANYTHING, ESPECIALLY UNDER FCRA XXXX GUIDELINES, SHOW US!
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2024-04-16
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (NJ)

Upgrade/XXXX XXXXXXXX XXXX interest is extremely high, I just noticed while checking my history payments. This amount in my opinionis is unlawful. I have filed 1099A and 1099c to IRS and have sent copy B to upgrade, and I wonder if this is a adverse action against me for canceling the debt every time I make a payment. Every time upgrade receives copy B of the 1099C form they send me a list of statement and due dates. Clearly letting me know every time you send us 1099C and 1099A copy B we will send you the due dates of payments due.
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2020 a perpetrator used some type of scanner to acquire my XXXX XXXX XXXX Credit card and then purchased approximately {$200.00} in gift cards right behind me at XXXX XXXX. I realized the charges had occurred on XX/XX/2020. I contacted XXXX XXXX and they reviewed video of the incident. I filed a police report. I disputed the charge with my bank ( Bank of America ). My bank said they would investigate. On XX/XX/2020 I received and email notification that my bank had concluded their investigation and found no evidence of fraud, so I was not reimbursed for the charges. 

My concern is that XXXX XXXX indicated no one at Bank of America had reached out to them. So it appears to me they simply denied my claim without investigating. This is just absolutely disgusting in my opinion. Bank of America has failed me on multiple levels here. They failed to protect my finances. They failed to investigate what has happened. They have failed to fairly treat someone who has been a loyal customer of theirs for more than XXXX years. They have indicated it was more XXXX XXXX fault than their own.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

My Complaint is with Equifax the credit reporting agency and XXXX. Equifax is only reporting my credit score as XXXX and XXXX is reporting as XXXX, this is due to the fact that they will not remove old issues and public records from my report. I filed a bankruptcy in XXXX of XX/XX/XXXX and the bankruptcy was discharged in XX/XX/XXXX, 8 years ago. Every aspect of the bankruptcy has been met and my credit score with XXXX who is no longer reporting the bankruptcy is showing XXXX. I have disputed this fact with both XXXX   and XXXX multiple times over the last year and they keep denying stating it is reporting correctly and it is not. I feel as though this is a prejudice and I am being discriminated against on my credit reports. I am trying to get my score up to close on a home loan and I can not nor have I been able to for the last year due to this mis reported information. My FICO score is showing as XXXX as well however I am being punished for something that happened 8 years ago due to my husbands company going under during the economy collapse. It is seriously by law only allowed to be reported for 7 years after the discharge which is now 8 years ago. Please fix this asap so I can buy a home. I have paid off mostly everything else off in my credit report and this is just discrimination when this should have been removed over a year ago.
Consumer complaint received 2020-06-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RS Clark and Associates, Inc. (TX)

The RS CLARK & ASSOCIATE RS Inc. XXXX XXXX, XXXX XXXX XXXX, Texas XXXX keep calling me to pay the debt since XX/XX/2019. I called them to tell them not to contact me, without my consent of obtaining my personal cellphone number, they said : " they have the right to call me anytime and from a debt collector, not from soliciting business. '' They have numerous number to contact me : XXXX, XXXX, XXXX, XXXX, XXXX