davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX and Transunion have not updated my mortgage file and my mortgage company has not update the file either i have dispute the information on several occasions and nothing, my file is reporting foreclosure and i am in forbearance i am trying to refinance my property and i cant cause they are not reporting the correct information and when the bank pulls my XXXX file shows I'm in a foreclosure status Transunion has not updated the file in over a year and states the account is closed, and XXXX shows the account is closed, XXXX XXXX XXXX XXXX is the agency reporting the information, i have called them on several occasions also to update the files and nothing has been done the account is an active account. due to all party 's involved being negligent, i am requesting that the foreclosure be removed from my account because it is hindering me from getting my mortgage refinanced. i am expecting that this item of foreclosure be removed immediately. and update my account accordingly.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-02-18
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: EQUIFAX, INC. (GA)

I have several unauthorized/ unverifiable hard inquiries that Ive been disputing since they appeared on my account. Some have been reported to my XXXX  as well. With documentation they have been removed. Ive went through every single channel and outlet and equifax is making it impossible to remove these inaccurate information. Ive contacted each and every single creditor to these account and they havent and been unable to verify these inaccuracy. My credit rights are being violated and Im making a formal complaint. 

These are the hard inquiry that needs to be removed immediately because its making it hard for me to obtain anything credit related XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Consumer complaint received 2019-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

Rushmore Loan Management Services is the mortgage servicing company on a mortgage secured by property in XXXX, NC which property was damaged by Hurricane Florence in XX/XX/XXXX. Insurance proceeds in the amount of {$200000.00} were delivered to Rushmore of which {$36000.00} have been disbursed to the general contractor.On XX/XX/XXXX I requested a check in the amount of {$15000.00} by email payable to me and the contractor who lifted the house. XXXX is the person assigned to the claim by Rushmore.When I last spoke with her on XXXX XXXX she said the check had been requested. The check has not been received and the contractor has demanded payment as they have done the work. It is my belief that Rushmore intentionally slow walks payments so that they can benefit from the float.I have called the CEO, XXXX XXXX as well as XXXX XXXX, the VP but neither was available.. I requested a call back and advised the receptionist of the urgency of the payment as the contractor will not lower the house on to its foundation if not paid. The house is in jeopardy if another hurricane strikes the area as it is elevated and not on its foundation. I need the $ XXXX.draw from MY insurance proceeds and I need it now. Telephone :.
Consumer complaint received 2021-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (WI)

Paypal has never allowed any transactions to process unless i had the available balance in one of my link bank accounts. I attempted to make a purchase with on a thirdparty website that accepted paypal for payment. The third party accepted my payment method of paypal. While processing payment i ended up short on funds so there was not an available balance dor processing. This happened with 12 hours of placing my order. Since paypal had never prior processed a payment with having an available balance to do so. I believed that my order would be canceled which had happened everytime before. I received a package 2 weeks later from the third party company and had no idea how. My bank accounts were not negative {$170.00}. I checked my paypal wondering how i got this package and i discovered they suddenly decided to grant me pay later when i was previously never allowed. All done without my knowledge ans authorization
Consumer complaint received 2021-06-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: O'Kelley & Sorohan, Attorneys at Law, LLC (GA)

My experience was the absolute worst. We received a XXXX ( HUD ) statement with our name and someone else address. The pre-closer XXXX XXXX never noticed the error. XXXX XXXX never called to advise on any updates. No phone call was returned until I called their corporate office. Then she requested, I request all my own pay offs and have them sent directly to her, which was completed numerous times. I also addressed all the incorrect documents. I contacted /emailed the acct manager but to no avail, still no returned calls. The only way we received updated on our closing was to call several times on the closing date until someone was able to confirm the cancellation. Two days prior to the closing XXXX XXXX requested I get a new payoff since she does not have access to my service mortgager acct. Consider my closing was delayed by two months, she should have requested access to my servicer so she could have access to my mortgage info. This confirmed that none of my documents were worked on by the firm. I received the settlement statement 4 hours prior to the closing which is unlawful. Its now the XXXX the day after closing and we still havent received a congratulatory letter or the wire info per their closing attorney. After further research, I came across similar complaints from many XXXX American clients. It makes me wonder if there was an alternative motive to my poor experience. This type of treatment is unfathomable and very unprofessional. I would never refer anyone to such unprofessionalism and XXXX treatment. 

XXXX, XXXX
Consumer complaint received 2023-03-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (IL)

In XX/XX/2021 I wasnt able to update my account info to change back account info so I contacted grain with questions it took them about a month to get back to me still with no proper way to fix this. 

Then I try to login the site and extra security was added asking me to upload id social security card proving who I am which I did and system denied me entry after all documentation was sent. I again reached out to gain cause Im seeing late payments added to my credit profile cause their system is having issues and its not just me whos having this problem after I search the web many people are affected. 

Every day or so often I try to log in the app flickers but will not let me in this goes on for about another month. I try to log in again it lets me in and kicks me out as Im trying update banking info. I enter card number and have {$50.00} I believe deducted from my account to test it. The app closes on me again I log back in this time the screen just stuck in a loading stage and I cant get in and til this day it remains that way. 
This company and its apps faulty function of it not working properly has caused me to receive multiple late payments and in charge off status cause of their app had so many issues and still does that I the consumer cant and couldnt log in to pay.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I sent in a dispute letter to all three bureaus and I did not receive any update after 30days. I then sent in another letter stating they did not respond and begged for a response. After 60 days I have not heard anything.
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (VA)

I have a mortgage loan which is serviced by Roundpoint Mortgage. We are required to escrow funds for taxes and insurance. Roundpoint paid the insurance bill twice in error. They are now trying to increase my monthly payment to cover the escrow shortage caused by their mistake.
Consumer complaint received 2023-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Network Recovery Inc (CA)

My account with the bank was overdrawn, how? Do not know because my pay was directly deposited by weekly. After, I was XXXX I was told that my account was overdrawnat that time I called the bank ( XXXX XXXX ) right away. I told then it wasnt me as Im no longer in the country and to put a fraud alert on the account. and requested a copy of a reconcile statement. It was never done nevertheless, I thought the matter was over my federal and stimulus check was never received because it went directly to the bank account. years later I get to find out I have 2 collection account. ; ; I believe someone committed fraud against my name, and the bank did nothing to resolve that I did not receive the reconcile statement had no idea my account was placed for collections.
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Social Finance, Inc. (KY)

Someone set up a fake line of credit with SOFI Lending Corp. That person hacked my checking account with XXXX Bank XXXX I saw the fraudulent charges and notified XXXX. They reimbursed my account but fraudulent charges kept happening so I had XXXX close my account. 

I then discovered that my credit report was damaged. I contacted SOFI and filed a fraud complaint with them. They told me they determined it was fraudulent. I have since sent them all the info they requested so my credit could be cleared up including a police report, copy of my drivers license, etc. 

SOFI has not cleared up my credit yet. I have checked with the major credit reporting companies. I need help correcting the problem that SOFI caused by allowing someone other then me to take out an account under my identity. SOFI shows a past due on my credit report of over {$20000.00}.
Consumer complaint received 2019-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IN)

I am a co-applicant on a mortgage with Specialized loan services. They purchased our previous loan. I am not and have never been late. They have added forced insurance even though we have always had insurance. I have attempted numerous times to send them the policy. They continue to say they have not received it. I did an online search and this is a predatory practice for them nationwide. People are losing their homes. The forced insurance is {$8000.00} per year. There is no email, only a fax number and therefore no way to document anything. 

XXXX Specialized loan services XXXX SS # last four of co-applicant XXXX XXXX Acct. # XXXX XXXX XXXX XXXX XXXX XXXX, In. XXXX is property address on file
Consumer complaint received 2020-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX has posted a collection account onto my credit profile. I have no recollection of this bill. I am XXXX and on social security. I was denied an approval for a XXXX XXXX credit card because of this collection. I contacted the credit bureaus and disputed the account ; Experian, XXXX, and XXXX. Experian refuses to honor my numerous disputes with the aforementioned account. I am deeply disturbed and depressed by XXXX  XXXX 's and Experian 's action. Please see the item below : Account Info XXXX. XXXX, XXXX Account number- XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$860.00}
Consumer complaint received 2022-07-25
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. (NY)

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX
Consumer complaint received 2020-02-25
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. (MA)

I had a credit card with XXXX that I was not actively using ( I have since cancelled this card ). In XX/XX/XXXX they charged me for an annual fee that I was not expecting. I had not paid an annual fee when opening the account in XX/XX/XXXX so either this was waived for the first year or they later started charging an annual fee. I never received a bill for this charge. In XX/XX/XXXXI used the card for the first time and later in that same month I received a bill / late notice from XXXX in the mail. I was shocked at this because I thought this was somehow for the charge I put on the card earlier in the month. I immediately paid the bill including the interest and late charge by doing a wire transfer. 

In XX/XX/XXXX I checked my credit and was shocked at seeing my credit score 80 points lower than last time I checked. I then discovered that the reason was the late payment on this credit card. I called XXXX to find out what this was about and how to correct it and was basically told that nothing could be done. 

I then started a dispute with each of the three credit bureaus. I explained the situation, and that I could not understand how I could be considered late for not paying a bill that I was unaware of ( the annual fee ) and that I never received a copy of ( no paper statement, no email ). I further explained, as they can see, that I have never had a late payment in over 30 years of credit history. The answer back from each of the credit bureaus is that they contacted XXXX and were told that the report was correct, so they were not going to change anything. 

It seems to me that the dispute path is just a waste of time if all they do is ask the company if they are right and ignore the fact that I take issue with how the company mishandled the situation. 

I don't see how someone can be late on a payment for a bill they are unaware of. 

I have include a copy of the bill from the day I received and a copy of the wire transfer that was performed on that same day.
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (WI)

RE : Target Card Services Mail Stop XXXX XXXX  XXXX XXXX XXXX, MN XXXX I had a credit card through Target Card Services for several years. During the past year, the company has repeatedly either failed to send my billing statements on time, or has failed to send them at all. This lead to me having to make last-minute payments online more than once, simply because I had not received a bill. 

Last month, I canceled the account due to these ongoing billing problems. I paid the account off in full in the amount of {$58.00} via an online payment. Please note : I did not submit the payment to my bank. Target Card Services did. They submitted the payment incorrectly, and told me the payment had been " returned '' because my bank account could not be found. 

I submitted the payment again without updating any information. as all information was correct. They submitted the payment again, and the payment went through. 

I had to DEMAND that the account be canceled over the protests of some customer services person who tried to talk me out of it. I thought I was done with their errors. 

This morning, I received an email notice that they have billed me for a fee of some kind due to their own error in submitting my payment to my bank. While it ; s only a dollar, I see no reason I should have to pay them XXXX red cent for their own inability to submit the payment request correctly. 

Upon receipt of this notice, I contacted Target Card Services customer services at XXXX immediately, and was told they do not have the ability to remove the charge. 

I believe this charge is a scam, and that they have no right to charge me for their own errors.
Consumer complaint received 2020-02-25
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. (MA)

I had a credit card with XXXX that I was not actively using ( I have since cancelled this card ). In XX/XX/XXXX they charged me for an annual fee that I was not expecting. I had not paid an annual fee when opening the account in XX/XX/XXXX so either this was waived for the first year or they later started charging an annual fee. I never received a bill for this charge. In XX/XX/XXXX I used the card for the first time and later in that same month I received a bill / late notice from XXXX in the mail. I was shocked at this because I thought this was somehow for the charge I put on the card earlier in the month. I immediately paid the bill including the interest and late charge by doing a wire transfer. 

In XX/XX/XXXX I checked my credit and was shocked at seeing my credit score 80 points lower than last time I checked. I then discovered that the reason was the late payment on this credit card. I called XXXX to find out what this was about and how to correct it and was basically told that nothing could be done. 

I then started a dispute with each of the three credit bureaus. I explained the situation, and that I could not understand how I could be considered late for not paying a bill that I was unaware of ( the annual fee ) and that I never received a copy of ( no paper statement, no email ). I further explained, as they can see, that I have never had a late payment in over 30 years of credit history. The answer back from each of the credit bureaus is that they contacted XXXX and were told that the report was correct, so they were not going to change anything. 

It seems to me that the dispute path is just a waste of time if all they do is ask the company if they are right and ignore the fact that I take issue with how the company mishandled the situation. 

I don't see how someone can be late on a payment for a bill they are unaware of. 

I have include a copy of the bill from the day I received and a copy of the wire transfer that was performed on that same day.
Consumer complaint received 2020-02-25
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. (MD)

Equifax is reporting an invalid collection account by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX  in violation of the FCRA that requires the validation of the information accuracy of a claim, the collection claim does not correspond to my personal information accurately
Consumer complaint received 2022-07-25
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. (MO)

INVESTIGATE CONSUMER REPORT ( Request ) Please investigate if every piece of correct. If not, please remove these accounts listed below from my credit report. 

In accordance with the Fair Credit Reporting Act Convergent these accounts below Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX  XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.