davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
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: Experian Information Solutions Inc. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX  XXXX XXXX Open Date XX/XX/2016 Balance : {$7200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any 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.
Consumer complaint received 2019-04-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (AZ)

The interest is actually not even calculated in APR ( which they advertise only on their contract at 780 % ). Biweekly and interest finances charges on the loan are excess of 20 % to 40 % of principle. Even paying the loan within two month would essential cost double of the principle. Of the initial payments of 300 dollars, pennies on the dollar are applied toward principle. The lender is compounding interest daily, assessing finance charges above lawful pay day lending limits, and is otherwise using predatory lending practices.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

THEY UPDATED SOME OF THE WRONG INFO REPORTING BUT NOT ALL I'VE SENT SO MANY LETTERS JUST FOUND OUT ABOUT THE CFPB SITE SO NOW IM TAKING THIS APPROACH. MY NAME IS INCORRECT THEY HAVE THE WRONG SOCIAL # ON FILE AND ADDRESS
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (ME)

I received a credit monitoring alert stating I had an account over the limit. When I looked into it, it was for my XXXX XXXX XXXX. I knew I wasn't over the limit because I hadn't used the card. They lowered my credit limit to below my account balance without notifying me - had they notified me I would have paid the {$21.00} difference so it wouldn't have impacted my credit score. I don't think it's a fair practice for a company to lower your credit limit to below your balance and then report it to the credit agencies as over the limit. I received the notification they lowered my credit limit at least a week after I was notified via my credit motitoring alert. I am working to pay this card off because I don't like their practices. When I chatted with a representative online they said I would get the letter and it would tell me what to do in the letter. I'm not sure why he couldn't help me or get someone who could help me. With this age of online accounts and electronic notifications - which my account has a secure message area, why they couldn't sent that to me electronically, then I could have had the oppotuntity to remedy before they impacted my credit report. The company seems unphased - the XXXX card is through XXXX.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

THEY UPDATED SOME OF THE WRONG INFO REPORTING BUT NOT ALL I'VE SENT SO MANY LETTERS JUST FOUND OUT ABOUT THE CFPB SITE SO NOW IM TAKING THIS APPROACH. MY NAME IS INCORRECT THEY HAVE THE WRONG SOCIAL # ON FILE AND ADDRESS
Consumer complaint received 2019-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

I'm having the same problem I've had for the last 8 years with my loan servicers. Originally with Litton loan, who passed me to Ocwen, who has no passed me to PHH mortgage. THEY ALL REFUSE TO EXPLAIN TO ME THE {$72000.00} THAT WAS MYSTERIOUSLY ADDED TO MY MORTGAGE BALANCE. No referred to as a " DEFFERED PRINCIPAL BALANCE ''. Been paying on this house now for 23 years 3 months and should be closed to being paid off ... ..they say I owe $ XXXX on an original $ XXXX balance and all I want is for them to show me how this is possible ... .none of them will not. What I need is for them to either explain it IN DETAIL or remove it as it should be. There is no way possible their numbers can be correct!!!
Consumer complaint received 2017-03-25
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: SUNTRUST BANKS, INC. (FL)

Asked for correction of a XXXX from Suntrust. They refused our bank also. We moved our funds from one IRA to another IRA at XXXX. XXXX told us to get a cashiers check made out to XXXX doing business for XXXX and XXXX. We did. We did not touch the money, but they show us as a gross distribution, not a transfer. Our bank, XXXX, called and talked to their IRA department. They were told that Suntrust would throw their forms in the trash and would not correct this. Suntrust also told us we would have to go back to the bank in XXXX, GA that handled this. We live in XXXX FL now.
Consumer complaint received 2018-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (ND)

Last XX/XX/2017 hurricane Irma hit Florida and the entire state was declared a disaster. A mortgage forebearance program was offered in which allowed you to not make your monthly mortgage payments and to my understanding the accrued payments and interest would simply be added on to the mortgage at the end of the forebearance period then I would resume making my monthly payments of XXXX. However PennyMac wanted a lump sum payment for all of it. What possible help would this program be to anyone? PennyMac then began foreclosure proceedings and informed me that I was responsible for all the charges involved with this if I wanted to keep my house. I negotiated a payment with them for around {$4500.00} to avoid them taking my house. I made a payment to them now starting in XXXX for my normal payment of {$360.00} hoping to continue with my normal monthly payments for the 26 years left on the note. PennyMac loan services called me Monday night and said I qualified for the modification program and my new payment would be {$330.00} but now mine would be a 40 mortgage loan. I am a XXXX XXXX and both these instances see like predatory lending to me.
Consumer complaint received 2023-01-10
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: Experian Information Solutions Inc. (MS)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00XXXX XXXX XXXXXXXX : {$0.00} XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX : {$0.00XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX XXXX XXXX Open Date XX/XX/2016 Balance : {$7200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any 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.
Consumer complaint received 2019-04-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MO)

I was selling speaker set on XXXX app. I found a buyer and they sent me check {$1500.00} but then I deposited and buyer told me to download XXXX XXXX and then he told me to send to XXXX XXXX XXXX via XXXX XXXX of {$1100.00}, and later next day he told me it was not enough money for movers, and so I sent another amount of {$300.00} to XXXX XXXX XXXX. Approximately 1 to 3 days later, my bank told me that the check of {$1500.00} was cancelled. He then told me he will send me new check of  {$1500.00}. but I never heard from him since then.
Consumer complaint received 2019-04-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Avadyne Health Holdings, Inc (MN)

I have two outstanding medical bill with this company because they failed to submit the claims to insurance which I provided in the hospital, now due to timely filing they are refusing to submit the claims and saying its my responsibility when in fact I don't handle billing nor sending claims to insurance.
Consumer complaint received 2019-04-02
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

In XX/XX/2018, my Capital One account was charged off due to having some personal issues. While the account status on my Experian shows " charge-off '', and " closed '', it is still reflecting a balance and continues to show my payment history as current and " CO ''. The balance should be at a {$0.00}, and they should have stopped reporting " CO '' on my credit report as of XX/XX/2018 when they charged it off. The account has already been given to an outside collection agency, and I have disputed this more than once for Capital One to correct my credit report.
Consumer complaint received 2019-04-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CA)

To whom it may concern, I, XXXX XXXX have a credit issue I'd like to fix. I have contacted XXXX   numerous times and have gotten different responses each time. I am a stay at home mom, with a XXXX year old who homeschools my children, as well as help my grand parents get their needs met. I was unaware I had to apply monthly, or tri-monthly. One rep said today XX/XX/19 I had to apply monthly, and the other said every 3 months. I was unaware the policies changed. I had spoken to another rep in the beggining of XXXX and he told me I was fine and to not worry and that they would dispute my credit problems. Then today was turned down. As you can see the confusion and miscommunication I'm dealing with esp with all of the sudden recieving a bill. Which once was recieved it was too late, my credit score dropped tremendously over my XXXX. I need help. I keep getting told different things and all because of miscommunication on their end my credit sucks.its upsetting and discouraging. Please help. My contact is ( XXXX ) XXXX or you may email me at XXXX. Any help is highly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-16
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. (OH)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX BANK : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Placement Services, LLC (WI)

I now have a debt of XXXX in my collections for a medical bill from the beginning of XXXX. I was using my fathers insurance and went to urgent care for XXXX XXXX. The doctor told me I had XXXX XXXX and prescribed me eye drops and charged me that amount. I felt like the amount wasnt correct and contacted the company I was being billed through, XXXX and they didnt do a good job explaining why the amount was so high. They couldnt tell me why it was so high.
Consumer complaint received 2021-07-07
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. (PA)

I never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. 
The accounts attached below I am demanding a removal as a consumer.

15 United States Code 1681b- Permissible purposes of consumer reports ( a ) In general ( 2 ) in accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2023-02-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

On XX/XX/2022 XXXX foreclosed on my property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Attached Exhibit A shows the foreclosure document. Carrington foreclosed on me prior to the 90 day wait period requirement. This 90 day wait period requires Carrington to not foreclose on me until 90 days have passed since the time Carrington can legally start that 90 day foreclosure clock. Attached Exhibit B shows the recission date of my foreclosure to be XX/XX/2022. Attached Exhibit C page XXXX shows the date I came out of the covid forbearance. The date is XX/XX/2022. This document states, " It is important to understand that your XXXX XXXX forbearance plan is ( set to expire or expiring ) on XX/XX/2022 ''. This means Carrington can not start the forbearance 90 day countdown until XX/XX/2022. From XX/XX/2022 until XX/XX/2022, the day Carrington foreclosed on me is only 47 days. This makes the act of Carrington foreclosing on me incorrect, illegal, and unnecessarily costly to me. Attached Exhibit C page 2 shows Carrington telling me, " your loan is no longer in forbearance, and we have resumed standard servicing on this loan. '. This is proof Carrington knew it was breaking the law when it foreclosed on my property 44 days early.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2019-04-14
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. (GA)

Trans Union Inquiries on my Trans Union report don't belong and the credit reporting agency above will not remove them after trying to issue a dispute with the reporting agency ( 1 Factual Data XX/XX/XXXX ) Trans Union will not remove the inquires off report I was told all inquiries had to stay on report this is not fair called on XX/XX/XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (WI)

In the year of XXXX, XXXXwo credit cards were opened in my name for Discover and XXXX XXXX XXXX. Both cards were closed due to debt on the cards according to my credit report. I didnt sign up for a credit card until the following year ( XXXX ) with XXXX XXXX when I discovered there was another credit card possibly opened. I was able to resolve XXXX XXXX, but I am unable to resolve Discover and XXXX XXXX XXXX.
Consumer complaint received 2019-04-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (DC)

At the end of XX/XX/2018, NewRez contacted me about my loan application with XXXX XXXX   and offered me to match or make a better offer if I applied with them as they will offer me a portfolio loan meaning NewRez was in need to sell my loan. By midXXXX, I started a new application with NewRez and I received an approval in XXXX. However, NewRez did not fund the transaction explaining by the end of XXXX that the loan could not close because the property was title on a Land Trust even though this was disclosed at front along with the trust documents from the beginning of the loan application. Then, I agreed to remove the property from the land trust as I was assured that this was the only item holding funding after underwriter review. 
Just after the property was removed from the Land Trust I filed a new application with NewRez as it was instructed and a second approval was received on XX/XX/XXXX. However, Im still waiting for closing today and the file still under review. NewRez requested updated documents like title work, updated statements, a letter from one of my lenders, title work, proof of insurance and these documents were provided in a timely manner. Ive been told several times closing is next Friday as everything else has been approved, but the title company confirmed that NewRez has not sent finalized documents to fund the transaction tomorrow XX/XX/XXXX. 
I had spent money and time to fulfil every request, I paid to remove the property out of the trust, I paid for the appraisal and I put a hold to my business, so I do not change my financials or credit history while the file still pending with the underwriters. In sum, my file has been under review with the underwriters for final review for more than a month, but no one seem to be taking my file seriously.
Consumer complaint received 2018-12-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

My husband had borrowed in my current house.The entire loan was on his name. I have been trying to instate myself on the loan so I can retain my home. Ocwen is not reinstating me on the loan due to a bankruptcy done by my husband. They are offering a loan modification to my late husband. I want to keep my home. I have provided all the proof and I have a great job. I am a XXXX and have done everything right in my life. Its my bad luck that my husband did not look out for me. I have a XXXXr and an XXXX year old mother who live with me. They depend on me. It will be a shame that I will lose my home for some silly paper work. I am willing to work with Ocwen. I have contacted them several times. Please help me save my home