davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
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. (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 XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$9700.00} ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2020-03-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (TN)

I spoke to a mortgage specialist at USBank on XXXX about refinancing my existing FHA mortgage. After submitting my details, I was quoted an interest rate of 3.25 % and approx. {$2700.00} in USBank closing costs. I asked the specialist to proceed with an application and to provide me with a loan estimate sheet by email. On XX/XX/10, I had not received the loan estimate. I called USBank to check on the status of the application and the loan estimate, I was told the 3.25 % interest rate was no longer available and my application could not be processed as quoted. However, I confirmed USBank did initiate a hard pull to my credit report.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : 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 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

In XXXX. XXXX I contacted XXXXXXXX XXXX  to apply for their mortgage forbearance program and was approved for XXXX days of mortgage forbearance. 

At the same time I accepted an offer from a buyers to purchase the house with a closing date of XX/XX/XXXX. The closing date would be XXXX  days before the forbearance agreement with XXXX XXXX ended and would pay the mortgage in full. 

On XX/XX/XXXX the sale of the house closed and the mortgage was paid off. 

On XX/XX/XXXX XXXX XXXX reported to my credit report that I was XXXX days late on my mortgage payment even though the account was paid in full and they refuse to adjust/ remove the negative mark.
Consumer complaint received 2021-01-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (TN)

I opened an account with Binance US in early XX/XX/2020 and transferred my cryptocurrency holdings from their international website Binance.com in accordance with their requirement to use the US based website to comply with regulatory standards. I was able to transfer my holdings and sell my cryptocurrency. In order to withdraw my money held with my account on the website, the website asks for identifying information like a copy of my driver 's license and bank statements which I uploaded to my account. 

I then received an email saying my information was not accepted and was then locked out of my account. The website won't let me reactivate the account without answering security questions but everytime I try to start the process, I get a " system busy '' error message. 

I have opened two customer service tickets and waited on their chat portal for several hours over the last two months but have still had no response. 

My money is stuck with Binance and I have no way to contact them to withdraw.
Consumer complaint received 2021-01-12
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: Santander Consumer USA Holdings Inc. (NC)

A car loan was taken out in my name some one was and still could possibly be using my identity to obtain goods or services, if filed a police report also reached out to the credit bureaus and still no result
Consumer complaint received 2021-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (TX)

Conns Appliances Inc, has been sending Bills and payment request to My home .I have no Knowledge of this Acct # XXXX. I have asked several times to provide me with any documentation to show proof of Debt and monies owed or ownership of account # XXXX. I continue to receive Letters and Brochures to My home address asking for New Credit and to come Shop with Conns easy financing and terms. I believe their efforts to secure Business has landed a fraudulent account in My namesake, Due to the Quote " easy terms and credit Approval ''. This has made it simple for a Store employee to make an account in My Namesake and obtain Credit and damage my Good Credit Standing or Fair reporting against myself.
Consumer complaint received 2023-02-13
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-13
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: Experian Information Solutions Inc. (GA)

Ive disputed several accounts that are being reported as mine to all three bureaus and they keep saying they have verified them and when I requested information on how and with whom they were able to verify, I get no response at all
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (TX)

In XXXX I disputed $ XXXX in a stolen debt card - it took days to finally get in touch to report the missing money for they kept hanging up on me- about 10days after finally reaching someone and filing the dispute I was credited the XXXX well I thought all was good but the way I felt they treated me I switched my ssi deposit to XXXX  -- well last week my stimilus check for XXXX $ was sent to direct express- well they garnished XXXX XXXX of the XXXX -- after finally getting in touch with them again - being hung up on several times first - they said after investigating my dispute they overturned the decision and took the XXXX out of my stimilus- I contacted comerica bank and explained to them what direct express did there reply was they DIDNT investigate after all- I contacted the store atm owner to see if they were contacted for investigating the stolen card use and they said no- direct express owes me XXXX $ - the president of comerica bank and all other creditors said for no reason will the second stimilus be garnished for any reason- but direct express not only took XXXX $ of my ungarnishable XXXX stimilus check they did not reach out at all to investigate my stolen card transactions- I need my money- my name is XXXX XXXX
Consumer complaint received 2020-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (ID)

On XX/XX/2019 we started making payments to CMC Funding Inc, who then had SLS ( Specialized. Loan Service LLC ) take over the payments. Starting in XX/XX/2019, we started getting incorrect statements saying we were behind two payments. They even sent a person to our home to make sure that someone was actually living in it. Today I received a statement that states we are four payments behind, or they have put a lot of late fees on the bill. 
In XX/XX/2019, we went to our bank and from the bank, with the assistance of the Manager, we  faxed bank records to SLS showing that we were current. This has continued since then. Every month we get phone calls and a visit from a gentleman that assures them that we still live here. In XXXX we went once again to the bank and once again with her assistance we gathered all our information and sent it on its way to SLS. Nothing is working. They send us outrageous monthly statesmens, phone calls to no avail, however they are not listening to us or our bank, when we provide the proof of payment. 

We are at the end of a very short rope ... meaning, we are both retired, living off Social Security, making our home payment, and we can not get this company to do their due diligence by researching on their end to see where the payments are going and why it takes so long at their end for the payments to get documented in their system. 
I want to sue them for the balance of our loan. The amount of work, XXXX  and XXXX XXXX   and XXXX  that they have placed on my husband and I for the last six month is overwhelming to put it mildly! I can not keep going like this for the remainder of our loan balance. Granted we just started, however this is so ridiculous for us to go thru every month! We need help dealing with this company as they are not listening, nor are they reading the documents that we are sending from the bank. I have no idea what I need to do next. We have exhausted all of our options.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 

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 2024-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jana Ferrell & Associates LLC (OK)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2021-01-12
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: Paramount Recovery Systems, L.P. (IL)

I have notified in writing and over the phone with both the creditor XXXX XXXX  and XXXX XXXX  personal on multiple occasions. I have informed them that this was for services performed for a XXXX XXXX  that I was not liable or responsible for and they filed an insurance claim against old expired insurance in which I was not required to provide for the child at the date of service! I was not present nor did i agree the use of that information or have I ever accepted this debt.
Consumer complaint received 2021-01-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to start off first with XXXX. I have sent my equipment back and there is no reason why I should be in collections. The second is XXXX XXXX XXXX they sent a letter claiming the debt was verified but that is hearsay. I return the equipment both these company are trying to pull and fast one and get money out of me
Consumer complaint received 2021-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

XXXX from VENMO at XXXX stating that an attempt to sign into my account from a new device or browser. 
XX/XX/2021 XXXX XXXX EMAIL from VENMO that a new debit card ending in XXXX has been added to my venmo account. ( Come to find out thru further investigation that this was linked to XXXX XXXX  and the name XXXX XXXX XX/XX/2021 XXXX XXXX email from venmo stating that an instant transfer of {$550.00} FEE of {$5.00} WHAT YOU'LL GET {$540.00} CARD-XXXX  XXXX DEBIT ... XXXX Transaction ID XXXX XX/XX/2021 XXXX. email notice from venmo Transfer from my VENMO account attached to my bank debit to XXXX XXXX in the amount of {$1000.00} XX/XX/2021 XXXX XXXX Email notice from Venmo transfer from my venmo account attached to my bank account For {$250.00}
Consumer complaint received 2023-01-22
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. (PA)

When I went to apply for a personal loan at a bank it says I had too many inquiries within XXXX... too many transactions ... .etc. When I got all the copies of inquiries, my name ( both first and last ) was spelled improperly, addresses was incorrect, and I previously sent in a complaint and have yet to hear of the outcome, it's been over a year. Now I'm trying to correct and fix everything properly again.
Consumer complaint received 2021-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I was laid off due to Covid-19 and was not able to make mortgage payments during my time of unemployment so i entered a forbearance plan with my mortgage servicer, Shellpoint Mortgage Service ( NewRez LLC NMLS ID # XXXX XXXX. 

After re-gaining employment through a contract job, I informed Shellpoint that I will be able to start making payments but would not be able to pay the full amount all at once.

I was told by the Shellpoint agent assigned to my case that they would offer a 3 month loan deferral to the end of the loan and a payment plan for the remaining 6 months of the total forbearance.

I accepted this offer but when trying to make a payment, their online portal would not allow me to as it said it was locked. A few weeks after having this conversation and waiting for documentation from Shellpoint, they starting adding late fees to my scheduled Mortgage payments while I was still locked out of making a payment.

Now the Shellpoint agent assigned to me has not returned any of my calls for over a month and will not call back after scheduling appointments either. When speaking to other Shellpoint representatives, they refuse to acknowledge the payment plan + loan deferral I agreed to with the original Shellpoint agent and they all request that the full outstanding loan to be paid at once.
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX/ XXXX XXXX XXXX XXXX REPORTED MY CARD AS 30 DAYS LATE, MY ACCOUNT WAS NEVER PAID THIRTY DAYS LATE. I SPOKE WITH A REPRESENTATIVE NAMED XXXX WHO TOLD ME TO DISPUTE THE CLAIM WITH THE CREDIT BUREAUS BEING THAT I WAS NEVER LATE. I REPLIED AND STATED THAT THIS COMPANY SHOULD CORRECT THE ERROR NOT ME.
Consumer complaint received 2023-05-17
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. (PA)

Hello, I had already placed a dispute about this error, but nothing was fixed in the end. I had a XXXX XXXX  ( XXXXXXXX XXXX ) but never received a bill. This resulted in a 30 day late payment. The 30 day late payment is still showing up on my credit report and it should be removed because I did not receive a bill. When I called back to try to close the account and pay they were unsuccessful in assisting me with my requests. There was miscommunication and the issue was never fully resolved. This led to the error being on my credit report that should be removed. Can someone please help me? It is really affecting my credit score!
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Sezzle Inc. (MD)

Sezzle offers a Mastercard virtual credit card service issued by XXXX XXXX for purchase on various merchant websites. On XX/XX/XXXX, I purchased an XXXX XXXX XXXX XXXX XXXX from XXXX in the amount of {$310.00}. This merchandise was shipped by the merchant on XX/XX/XXXX via XXXX tracking # XXXX. The last activity for this package was on XX/XX/XXXX and has no activity since that date. A lost package case was opened with XXXX and multiple attempts to contact XXXX remain unanswered. Sezzle offers a dispute resolution service that I have attempted to utilize through their dashboard. I submitted an initial request on XX/XX/XXXX that remained unanswered and a subsequent request on XX/XX/XXXX which was answered on XX/XX/XXXX. Despite requesting that the transaction be disputed due to non-receipt, Sezzle informed me the issue was between the merchant and/or shipping service. This is contrary to the " dispute resolution '' processes stated on their site and they refuse to take action with.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA (NJ)

The FNB OMAHA during covid stopped sending mail to my location and never notified me. I missed payments due to covid related instances. They hit me with late payments on my credit. I have paid up to date and requested if they would take the negative marks off my credit since covid has impacted me. They refused.
Consumer complaint received 2023-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (OH)

I purchased this vehicle XX/XX/2017. The payments were not being applied correctly to the principal balance. This has caused me to pay more interest month over month. Some regular monthly payments were being applied to late fees. I have put about XXXX payments to the end of my loan, but those are included in the remaining payments I have left. I would like the payment history since this account opened to be released, showing how the monthly payments were being applied. The loan terms show I have XXXX payments left of {$620.00}, and about {$1500.00} in late fees. This totals approx. {$4000.00}. However, the loan is showing a payoff of {$15000.00}. The extra amounts are unexplainable. Please research, and fix so I can pay this loan off. Thank you!
Consumer complaint received 2023-01-17
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. (FL)

In the month of XXXX I sent the credit bureaus an FTC report in regards to information on my consumer report that is a result of fraud. XXXX XXXX XXXX Account # XXXX was initially removed and reinserted on my credit report. I do not provide written permission or instructions for the account to be reported on my comsumer report.
Consumer complaint received 2023-01-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

This was not sent an error ; I am a consumer by law and my information was misused and now I have some false information that is not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. I have sent dispute letters to the credit bureaus. However, they failed to follow proper cause.
Consumer complaint received 2023-01-17
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. (CA)

I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,
Consumer complaint received 2023-02-16
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: EQUIFAX, INC. (NC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.