davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-21
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. (MI)

XXXX XXXX XXXX Opened XX/XX/XXXX- Balance : {$1200.00} this debt does not belong to me XXXX XXXX XXXX Opened XX/XX/XXXX- Balance : {$690.00} this debt does not belong to me XXXX XXXX XXXX Opened XX/XX/XXXX- Balance : {$16000.00} This company is reporting an inaccurate amount of debt owed as well as missing my on-time payments XXXX XXXX Opened XX/XX/XXXX-Balance : {$410.00} This debt does not belong to me and Ive disputed this before
Consumer complaint received 2017-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stuart-Lippman and Associates, Inc (NJ)

I starting seeing this debt o n my report. From time to time I request to have it removed and it is then it shows up again on another credit report for similar amounts ( {$1900.00} or {$1900.00} ) but all from    XXXX    XXXX   ( d ebt collector ) -- telephone number  XXXX
Consumer complaint received 2021-12-02
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: Social Finance, Inc. (CA)

I had a SoFi credit card. On or about XX/XX/XXXX I noticed that my credit card had been paid in full and about {$5600.00} dollars had been taken out of my checking account. The next day their fraud department contacted me about a suspicious charge on that account for almost a XXXX dollars. When I looked at the account I noticed that my address and phone number had been changed to Florida. I live in California.  When I contacted the company they said the money would be sent back to my checking account in XXXX business days. That did not happen. I spent hours on the phone trying to find out what happened to my account. Every time I called they said they were looking in to it. A month has passed and the company has yet to explain to me what happened. I suspect it was either an employee with access to their system changed my information or their entire system had been hacked. In either case the company has stone walled me with an explanation.
Consumer complaint received 2020-02-21
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. (AR)

My bank called me to inform me that there was a unknown charge on my account. Thry wanted to verify to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX   and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$54.00} XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX {$14000.00}
Consumer complaint received 2021-04-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I want to add the content of the last case. All my money is in citibank. However, I paid for my credit card and bills, but citibank did not pay for my bills and credit cards, which caused my XXXX XXXX credit card to be closed for reasons. Payment returned! I deposited {$500.00} in the uphold company to buy XXXX  currency, but the XXXX currency increased from {$0.00} to {$0.00} each day, the currency 's profit was also confiscated, and my investment account was closed! The reason is that the deposit failed ... he suffered heavy losses. Not only did citibank not pay my bills and credit card, but it also charged me overdraft fees. I dont know what to do! Because many transactions in citibank were not paid, my money was in my checking account. I asked to get my cash back, but after the bank said it needed XXXX, I didnt have any right to choose. Facing the current covid-19 period, I dont have a job, but it will take 60 days for me to receive my money. So how should I live my life recently? I dont have any money anymore. I hope your company can help me faster! Thank you
Consumer complaint received 2020-02-21
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. (FL)

I recently reviewed my credit report and I discovered some inaccurate accounts that are reporting on my credit file. Those derogatory accounts do not belong to me and I have no information about those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Consumer complaint received 2020-02-21
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. (FL)

I recently reviewed my credit report and I discovered some inaccurate accounts that are reporting on my credit file. Those derogatory accounts do not belong to me and I have no information about those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Consumer complaint received 2021-06-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I have been with Wells Fargo for several years. I have paid my mortgage on time. During the Covid-19 pandemic, I divorced and used credit to pay my lawyer, which makes my debt-ratio high. I need to refinance to payoff the debt, but Wells Fargo said no because of my credit score. Again, my credit score is due to my high debt ratio. I have assets and a steady income, and Wells Fargo did not even bother to review that aspect of my financial circumstances.
Consumer complaint received 2020-02-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (CA)

UWM LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX The short sale was started with UWM on XX/XX/2019. The 4506T was sent to them at this time as part of the complete short sale package. They started the loan mod review process on XX/XX/XXXX. Documents have been uploaded multiple times into their online portal since then, including the 4506T which has been uploaded several times. 

As of today, they are still making excuses as to why they can not review this file. Even though we have uploaded the 4506T multiple time, they continue to make up numerous excuses such as : they do not have the 4506T ( at all ), the 4506T they do have is not signed, the 4406T they do have is not filled out correctly, the 4506T is completely blank, and the 4506T is missing addresses.

****FURTHERMORE when we call in no one can tell us why the 4506T has been rejected and we have to wait several days, for NO ONE to call back, then call back in again and demand to talk to management. Even then, it takes DAYS to get a straight answer out of UWM. 

Their supposed review of this file for a loan mod has been going on for TWO MONTHS!!!!!!! -- -- - This is RIDICULOUS!!!!! -- -- -- - It has become apparent to me that they are doing nothing except to delay the decisioning on the file in an attempt to defraud the investor out of even more ( inflated ) servicing fees.

Since this company seems to be incompetent in reading a 4506T I have attached it here.

I want this reviewed and moved forward WITHOUT FURTHER DELAY!
Consumer complaint received 2015-07-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (FL)

I previously filed the following claim : Case number : XXXX. At the conclusion of the claim, I received the attached letter from XXXX. The letter states my payment terms are for 24 months. The repayment plan began in XXXX of 2015. 
On XXXX XXXX, 2015, I received the attached letter from Great Lakes. The Great lakes letter has my monthly payment increasing, after just a few months of payments, over 240 %. With the next payment being due XXXX XXXX, 2015. 
If I call Great Lakes I am told to call XXXX. If I call XXXX I am told to call Great Lakes. 
I just received a job offer and I have to borrow money to relocate. Plus, missing a payment could damage my credit enough to cause me to lose the job offer. 

What is happening is not right. Please investigate for me. 

Thank You, XXXX
Consumer complaint received 2019-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

I went online and paid my mortgage XXXX with XXXX. Unbeknownst to me they sold the mortgage and on XXXX the new company, New Rez, debited ny account ( I didnt realize this at the time ). Then in late XXXX I received a letter saying the loan was sold and to contact new Rez. Only XXXX I created log in and set up 1 time payment. Only XX/XX/XXXX I went to buy groceries and debit card was declined as they ( new Rez ) double debited me. I never authorized them to set up ACH, nor did I have ACH with previous company. I was told I would have refund in 3-5 business days and after 6 calls and 10 days later I still dont have my money. Im beyond upset as I needed that {$1000.00} to pay other bills and buy groceries. I am so upset! I also called Monday and was told I would have it at the end of the business day ( day 5 ). Today is day 8 and nothing.
Consumer complaint received 2020-02-21
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)

XXXX XXXX XXXX Opened XX/XX/XXXX- Balance : {$1200.00} this debt does not belong to me XXXX XXXX XXXX Opened XX/XX/XXXX- Balance : {$690.00} this debt does not belong to me XXXX XXXX XXXX Opened XX/XX/XXXX- Balance : {$16000.00} This company is reporting an inaccurate amount of debt owed as well as missing my on-time payments XXXX XXXX Opened XX/XX/XXXX-Balance : {$410.00} This debt does not belong to me and Ive disputed this before
Consumer complaint received 2020-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (OK)

In XX/XX/2019 our escrow account was changed to reflect only {$54.00} per month due in taxes and our payment dropped. This year they figured out that this was wrong and anyone with intelligence should have realized this last year. They have raised our payments by {$1000.00} this year and that creates a real hardship.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-02-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (WI)

Early 2020 I went to a BMO location to meet with a banker. The banker saw I had a 14 year old account that they inherited when they bought out XXXX & XXXX XXXX. He suggested that he change the account type to have better benefits, etc. My previous account was free. However this new account type started charging me $ XXXX/month. This being an old account that I don't use much, I didn't notice for about a year. I notified them that this was not right and they agreed it should not have happened. Not only that, but they said they stopped any charges to any accounts starting XX/XX/2020 due to COVID. They would only refund 3 months worth though even after admitting fault.
Consumer complaint received 2020-02-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

There is a card on my account with a XXXX limit that I never opened. There is currently ( XX/XX/XXXX ) a balance of XXXX and my XXXX XXXX report states that it has decreased by XXXX recently. 

I had ( XX/XX/XXXX ) called the bank and asked to close the account and they said they could not find anything in either my name or social security. Though I continued to submit a dispute. 

The credit card was opened in XX/XX/XXXX. 

I submitted another dispute today and it said my old one was completed. Though the account remains on my credit report.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have had capital one auto finance since XX/XX/XXXX as an auto loan holder recently I have became ill and cause me to miss a few payments due to being on XXXX however I have made several attempts to resolve this issue with company making partial payments in good faith as my XXXX  XXXX payments have not kicked in to cover my leave from work. I then went forward made a payment plan that myself and the company have agreed that 3 payments of {$620.00} will be charged to cover my account and bring it back current drafting from my account on XX/XX/XXXX which i see posted on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( which since the company has broken our agreement and maliciously charged my account off after taking my first payment XX/XX/XXXX I have cancelled my auto payments ). I  noticed the change when on XX/XX/XXXX I went into the account to make an extra payment in good faith effort to the company and wasn't able to because my account information vanished only allowing me to see current payments and those that are scheduled. I called and spoke to a rep who couldn't give me information and then I asked to speak to a supervising team since my consumer rights have been broken XXXX rep ID # XXXX who then tried to inform me that the contract was not valid because they didn't charge my account XX/XX/XXXX for {$360.00} which the rep told me at the time of signing the agreement these payments will come out and apply however if they didn't get that payment then the entire contract should have been cancelled meaning they illegally now have take {$620.00} out of my account on XX/XX/XXXX. If the company rep has failed to take the payment as we agreed when setting up the agreements all contracts should have been null and void and none of the payments should have went through after. The company also failed to provide me notice of a resolution before charging my account off.
Consumer complaint received 2020-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (ME)

Continues to send me unverified debt letters. Has never furnished a contract with my signature on it. 
Only sends a copy of a utility bill. 
I do not not have I ever done business with Penn Credit Corporation. I do not owe this company anything!

STILL have yet to verify the following : 1. Full original Account Number2. Date original Account was opened3. Any written agreements between myself and the original creditor stating this debt is owed4. Full account summary and itemized calculation of alleged debt5. Date of the first delinquency6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law.

7. A copy of a contract with my signature on it with your company.

8. A copy of your license to collect in the state of Maine.

9. The name of the registered agent for your company.

10. A certified copy of a judgement made against me by your company in a court of law.

11. A copy of how you purchased this unverified debt and for what price. 

They haveNOTprovided me a copy of ANY original documentation required underSection 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and underSection 611 ( 5 ) ( A ) of the FCRA you are required topromptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me fornegligent noncompliance ( Section 617 ) if you fail to comply.I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the account be deleted immediately.
Consumer complaint received 2020-02-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (OK)

I obtained a XXXX loan in XX/XX/2019 and I have paid over XXXX on the loan. I called today to pay off the loan and they said I owe XXXX. I don't understand how my payoff is so high. I asked for the interest rate and they couldn't tell me.
Consumer complaint received 2020-02-21
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. (MD)

The mortgage lender XXXX went bankrupt effective XX/XX/XXXX. As a mortgagee, my account was transferred to another lender, XXXX ( please see attached service transfer request from XXXX to XXXX ), however, my credit score unjustifiably dropped 24 points in XX/XX/XXXX, because the transfer was categorized as a " closed account ''. 

The account remains open and XXXX is now receiving the mortgage payments. I immediately disputed this with XXXX, XXXX, and Equifax. My score only increased by a few points. I tried revisiting the disputes on XXXX XXXX but they did not have the option to extend my argument. 

This is in direct violation of the Fair Credit Reporting Act and I find it most disheartening as I work fervently to maintain an excellent credit score. I should not be penalized for XXXX 's inability to stabilize their financial infrastructure and for the record, a second time since its inception.
Consumer complaint received 2020-02-21
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. (MD)

The mortgage lender XXXX went bankrupt effective XX/XX/XXXX. As a mortgagee, my account was transferred to another lender, XXXX ( please see attached service transfer request from XXXX to XXXX ), however, my credit score unjustifiably dropped 24 points in XX/XX/XXXX, because the transfer was categorized as a " closed account ''. 

The account remains open and XXXX is now receiving the mortgage payments. I immediately disputed this with TransUnion, XXXX, and XXXX. My score only increased by a few points. I tried revisiting the disputes on XXXX XXXX but they did not have the option to extend my argument. 

This is in direct violation of the Fair Credit Reporting Act and I find it most disheartening as I work fervently to maintain an excellent credit score. I should not be penalized for XXXX 's inability to stabilize their financial infrastructure and for the record, a second time since its inception.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2020-02-21
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. (AR)

I received a letter in the mail that I was sent to collections. I immediately took actions and got a copy of my credit report to see why this was reflecting on my credit and why in the world this collection bill was under my name. My identity has been compromised and I need these fraudulent items off my report.
Consumer complaint received 2020-02-21
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. (AR)

I received a letter in the mail that I was sent to collections. I immediately took actions and got a copy of my credit report to see why this was reflecting on my credit and why in the world this collection bill was under my name. My identity has been compromised and I need these fraudulent items off my report.