davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (NC)

santander consumer usa, and XXXX keep reporting charged off accounts on my credit file for XXXX as past due with recent past due payments and santander is changing the balance due. both companies are also reporting new dates for past due balances when the accounts are charged off. i also sent in a police report and ftc id theft report to have those accounts removed from XXXX  i know this violates the fcra and i need those companies to remove those accounts from my XXXX credit file. this is illegal and it is preventing me from getting a new home
Consumer complaint received 2019-12-02
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. (CT)

Equifax Credit reporting agency is reporting that I owe {$170000.00} for XXXX XXXX. The balance that Equifax is reporting is incorrect. The balance for XXXX XXXX  should be reflecting {$93000.00}. Please investigate Equifax for reporting the wrong credit information for XXXX XXXX. Please update my credit report and credit score.
Consumer complaint received 2019-12-10
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. (TX)

On XX/XX/19 my credit monitoring company notified me that XXXX XXXX had made an inquiry on my Equifax credit report. This was a fraudulent inquiry that I did not authorize. I disputed this inquiry with Equifax because I've heard hard-pull inquiries can lower your credit score. I want the inquiry removed from my credit report. 

Equifax informed me they could not remove this inquiry because " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' That response makes no sense because in this case the creditor made the fraudulent inquiry. It's like telling the victim to contact the criminal. 

I did in fact contact XXXX XXXX. They searched my SSN in their system and assured me there was no record of any such inquiry. XXXX  XXXX told me that any " official '' or properly initiated inquiry would be in their system. This to me suggests the inquiry was done by a rouge employee or a hacker with access to XXXX XXXX 's systems. It's also possible it was a simple error ( e.g. someone simply mistyped a SSN ). Regardless, the bank should have a system for tracking ALL inquiries so that they can correct any mistakes or identify hackers or rouge employees.
Consumer complaint received 2019-12-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

Collections Account XXXX XXXX XXXX XXXX, XX/XX/2019 transmitted to Equifax the Collections account is to be removed. I have a letter stating the collections account was to be removed and faxed the letter also to Equifax. XXXX from Equifax acknowledged they received the letter and the account would be removed within 4 to 5 days. Equifax has not removed the account.
Consumer complaint received 2023-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp (FL)

Mortgage Lenders took over my mortgage from RP Funding, basically the same company, but clearly not run equally, on XX/XX/XXXX. I sent my insurance renewal to them to ensure they had it, as it is paid through my escrow on XX/XX/XXXX. No response was received to that email. I received a notice from my insurance that it still wasn't paid and threatening to cancel me. I immediately reached out on XX/XX/XXXX, but could not reach a live person and had to email again. The response was inappropriate and wrong! They said they had plenty of time to pay the insurance. I received a cancellation letter from my insurance and immediately emailed them on XX/XX/XXXX and still have not heard back from them! They are a fiscally irresponsible company and should be banned from dealing with anyone 's funds, including loans, as they are willfully negligent! Is my insurance going to go up now? It's hard to find coverage in Florida! What will happen during tax time, will they delay again and not pay early for my discounted price? They need to be held responsible, this is criminal! Please help! 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (MO)

World Finance is reporting my acct twice i have the message to prove its inaccurate also on my XXXX they reporting twice, under world finance which is reporting negative twice this is the message from the company on why responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response VIA CFPB PORTAL XX/XX/XXXX Re : World Acceptance Corporation of Missouri ( World ) Consumer : XXXX XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. XXXX XXXX obtained his account from Worlds Branch XXXX in XXXX, MO on XX/XX/XXXX, in the amount of {$310.00} and agreed to repay it in ( 6 ) monthly installments of {$52.00} beginning XX/XX/XXXX. The account was assigned as account number XXXX. No payments were received on the account, and it was charged off on XX/XX/XXXX. The account was then internally transferred to XXXX XXXX in XXXX XXXX, MO on XX/XX/XXXX, and assigned account number XXXX. On XX/XX/XXXX, World sold the account to XXXX XXXX XXXX, XXXX. XXXX XXXX was notified of this sale and the contact information for all future communications regarding the account. XXXX found an inaccuracy in the information XXXX was reporting for XXXX XXXX account number XXXX. A change request was made to XXXX to update the account to remove any references to bankruptcy as XXXX XXXX account was not in a bankruptcy status during the time it was owned by World. As World is no longer the owner of the account, all communications regarding this account should be directed to : Customer Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Sincerely, World Acceptance Corporation Compliance Department
Consumer complaint received 2020-01-16
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX {$12.00} Letter Claim number XXXX tansaction date XX/XX/XXXX Says IF you still believe this charge to be fraudelent, no further action is needed, and we will continue to pursue this claim as fraud on your behalf I HAVE NOT BEEN NOTIFIED THE RESOLVE A YEAR LATER XX/XX/XXXX Letter SAME claim number {$12.00} Says no further action is needed NO RESOLVE YET? 
Letter XX/XX/XXXX no further action on fraud claim number XXXX {$10.00} XXXX XXXX XXXX XXXX A YEAR LATER NO RESOLVE XX/XX/XXXX no action needed fraud claim XXXX {$49.00} I HAVE NOT BEEN NOTIFIED What the resolve is on any of these fraud claims for over a year. What is the resolve of fraud claim XXXX reported?
Consumer complaint received 2019-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

Convergent Outsourcing has placed a collection reporting to XXXX and XXXX, stating that I owe a balance of {$360.00}. This collection report is incorrect about this debt belonging to me. This incorrect information is placed on my credit report and is affecting my credit report and score.
Consumer complaint received 2019-12-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: SYNCHRONY FINANCIAL (VA)

XX/XX/XXXX Received 1st and only notification from XXXX XXXX XXXX , XXXX about Motion to garnish wages. This was sent submitted to the XXXX County in XXXX  where I have not lived in almost three years. My address had been updated through the postal service and I have not had any issues with my forwarding services to my new address in the state of XXXX. 
When I received this communication, I reached immediately and explained to the firm that I had not received any other communication and I also provided them with my updated address which they did have on file! Yet, I never received anything to my current address. 

On XX/XX/XXXX, I spoke to several people which confirmed that the file had been closed and no wages would be garnished as a result of filing in a state where I do not live and because they dont have a license to practice in XXXX. 

On XX/XX/XXXX, I followed up with the firm to make sure that the file had been closed and no further action was required. This was confirmed through another representative. 

On XXXX, I was told by the firm that the file had been returned to Synchrony Bank and to follow up with them On XXXX, Synchrony verifies they had this file back and that they would work with me. They also confirmed that no wage garnishment would occur as this case had been dismissed for the reasons mentioned above. 

On XXXX, I received a letter from my payroll and Human Resources department notifying me of the wage garnishment effective on the XX/XX/XXXX paycheck for {$XXXX} Again, this is not legal at all! I was not informed of the suit. I was not served with any documents nor was I contacted at my new address. The suit was submitted in a state that I have not lived for the last three years. In addition, I had not lived in XXXX county for a year! I had moved to XXXX county and the to XXXX. 

I ask that this is immediately rectify and an apology letter along with the respective suit dismissal letter to be sent. This puts me at a very high risk of losing my employment as a result of negligence and lack of due diligence on the firms part.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WI)

15 U.S Code $ 1681c-2 a consumer reporting agency shall block information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN
Consumer complaint received 2024-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to file a formal complaint regarding the inaccurate reporting of late accounts on my credit report. It has come to my attention that there are multiple instances of late payments listed that are not reflective of my payment history and are in violation of the Fair Credit Reporting Act. It is imperative that these inaccuracies be rectified promptly to ensure compliance with the law and to uphold the integrity of my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (GA)

Amerihome received my XXXX mortgage. I have confirmation and receipts from both Amerihome and XXXX XXXX, who I bank with. My next mortgage payment was due XX/XX/XXXX. No late charges should be assessed as today is XX/XX/XXXX. According to Amerihome 's policy that is all over their website ... .payments received more than 16 days after the payment due date may require a late charge of {$36.00}. However, agai, the date today is XX/XX/XXXX, today so we are still not at the point to be assessed a late fee. Furthermore, when we logged in to pay XXXX 's mortgage, we see that Amerihome has charged us again for XXXX 's mortgage despite the fact that they received XXXX 's mortgage IN FULL. Repeated contact to the company to correct the issue has yielded no results. We will be moving forward with issuing formal complaints and investigations with this company.We want immediate correction of this issue right away. 
Now, we got a loan document talking about foreclosure when we are not delinquent on any payments. As of XX/XX/XXXX, we owe one payment XXXXfor XXXX only*. 

In conclusion, we have issued statements from XXXX XXXX confirming every single month we have paid Amerihome. There are confirmations of receipt also on Amerihone 's website.
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NJ)

On Sunday, XXXX XXXX at XXXX I received a notification on my phone from my Chime app with an unauthorized charge of {$100.00} from XXXX XXXX XXXX. When I received this charge I was currently getting off the bus walking to my job. I waited for the purchase to process before attempting to disputed the transaction. When the charge of XXXX posted on my account on Wednesday XXXX XXXX I attempted to dispute the transaction on my own the only option was for them to cancel my card and send me a new one. I did not choose that option at first because Chime debit card is my primary card. I then called into chime on Wednesday XXXX XXXX to explain my there was an unauthorized charge place on my card and I would like to file a dispute. The representative explained to me he would be able to file the dispute but he would also have to cancel my current debit card. I explained to how Chime is currently my primary debit card. The representative assured me it would come quick and I will also have a temporary card I can use. I agreed and filed my claim and canceled my card. A few hour later I received a email stating I was declined for my credit for the {$100.00}. I called back into Chime customer service and spoke with someone else. They told me I could do a rebuttal for my claim and add any information to support my claim. I stated to them I was at work at the timing of the transaction. I do not have anything to sow for that purchase. They helped me put in another rebuttal and again within a hour I was denied again. I have provide Chime with a video and photo of my work schedule for the entire month of XXXX showing them I was clocked in at the timing of the purchase and they declined me. They keep telling me to do rebuttal 's I have filed about 5-6 rebuttal 's on this charge since XXXX XXXX and within a hour I receive an email telling me they will not change their decision on returning my money.
Consumer complaint received 2022-10-03
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. (MI)

This is my seven endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX CT XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-24
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-03
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. (NC)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2020-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr Cooper mortgage company. I was behind on my mortgage 2 mos. I called to get the totals with late fees and got a increased amount to pay for XXXX and XX/XX/XXXX. I ask why was the mortgage so high what happen. I could not get any answers. I wanted to make payments but the online payment service was cancelled due to my late payments so I called again they took 1 payment of {$510.00} on XX/XX/XXXX and did not apply it to my loan but debited my checking account. They told me to call back and make another payment the next day. Which I did and they said you have to pay the full late with an escrow balance {$4900.00} My insurance had lapse and they attached an escrow account to my loan this took weeks for someone to tell me this. I paid {$2300.00} into the escrow acct on XX/XX/XXXX to clear this up. To this date XX/XX/XXXX. I have not been given the correct total to pay my loan current from XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX I spoke to an agent every day. The agents are not given me correct information each time I call. I've ask for them to remove the escrow account they said it would take 24-48 hours to remove because they did receive the {$2300.00} on XX/XX/XXXX. This was not done. I spoke to an XXXX XXXX 2 mos. later she stated they could not remove the escrow account it took weeks to get this answer. On XX/XX/XXXX They sent a payment to my insurance company of {$920.00} XX/XX/XXXX when I sent Mr Cooper proof of my insurance. My insurance was paid in full by me on XX/XX/XXXX for {$970.00} now they are charging me for the escrow funds that was sent to my insurance company. This company is the worst and I don't understand why I cant get someone on the phone that could clear this up in one day. My house would be in foreclosure if I don't get help immediately. I would like to pay my loan payment up to date but not including the escrow account since I've paid it in full {$2300.00} on XX/XX/XXXX
Consumer complaint received 2023-02-17
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. (PA)

Equifax is NOT conducting a reasonable investigation required by Law. Not only is they required by law to go beyond the furnishers of this information but I never requested an investigation due to the fact Equifax never had permissible purpose to furnish anything without my consent. Equifax states that the items I'm disputing are " either currently processing that dispute or has recently provided me with the results '' ... .this is an irrelevant incomplete response to the situation at hand! Equifax are required to have my consent to furnish anything on my consumer report, it is my consumer report. im aware that they get paid Fees to furnish anything whether its correct or not! They are violating numerous of Federal Laws such as the Fair Credit Reporting Act, Gramm Leach Bliley Act and aggravated identity theft for using my information without my consent after being made aware of their actions! I HAVE A RIGHT TO PRIVACY
Consumer complaint received 2019-08-01
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

A hard credit inquiry was performed on XX/XX/XXXX without my consent from a company called XXXX of XXXX, Texas. Their current phone number is XXXX