davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting
Consumer complaint received 2023-04-05
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. (LA)

Fraudulent account : XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX Louisiana XXXX, XXXX XXXX XXXX XXXX, La. XXXX, XXXX XXXX XXXX XXXX Louisiana XXXX Fraudulent Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer
Consumer complaint received 2019-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NC)

I have a Visa credit card through CITI Cards. I pay the balance each month after I receive a paper bill. My account was switched from paper to paperless and back to paper several times last fall. I did not initiate this action any of these times. I contacted CITI because I had not received a bill and was told it was switched to paperless and had missed a payment. The Customer service rep said my account had been switched multiple times this fall. Because I did not initiate any of these actions I was transferred to fraud unit. They could not fined who initiated the action but insisted it must have been me.

CITI cards has a initiate to get customers to switch to paperless billing. The situation appears to be a " XXXX XXXX '' issue of company representatives initiating the change for financial gain. Nothing else explains the switch and switch back. 

CITI Cards did not take my concern seriously and initiate any internal review. Citi stated they waived fees but I was charged fees and my credit rating may be impacted.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX, I see there are late payments reported by XXXX XXXX XXXX during Covid 19 pandemic.. according to the CARE ACT and The Hero Act Section 110401 creditors and credit reporting agencies are not authorized to report adverse information to consumers credit files during the covid 19 pandemic.. we are still in a pandemic and the days reported late was during the pandemic and therefore is unlawful I order that XXXX XXXXXXXX XXXX Remove all adverse information reported during covid 19 pandemic. 

XXXX XXXX
Consumer complaint received 2020-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

I realized that the mortgage payments I made in the last few months on a loan serviced by LoanCare LLC had not been applied to my account when I received a letter from LoanCare LLC saying that my account was delinquent. 

However, I have been making payments in the same manner through electronic transfer via my bank, XXXX XXXX, for many years. 

I have bank statements showing that the monthly payments were withdrawn from my account on the days listed below. Previous statements can also be referenced to demonstrate consistency in the way the payments were sent to LoanCare. 

The statements show payments of {$950.00} on : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 A payment was made XX/XX/2020, but a statement is not yet available for this month from my bank. 

XXXX XXXX representatives confirmed that these payments were sent to LoanCare LLC.
Consumer complaint received 2021-07-21
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. (GA)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD without question someone has assumed my identity. 

Account Name : XXXX XXXX  Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : US DEPT OF ED/XXXX  Account Number : XXXX AMOUNT : {$10000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$530.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$2800.00} Reason : Account is fraudulent Account Name : XXXX  Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX  Account Number : XXXX AMOUNT : {$150.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX  AMOUNT : {$14000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$190.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$220.00} Reason : Account is fraudulent Account Name : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX AMOUNT : {$2200.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2019-09-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC. (OH)

I was alerted by SunTrust Mortgage - during the time the ex-wife was applying for a mortgage modification that their was what appeared to be forged signature. 

Apparently a fraud investigation was opened up - but I did not hear a word about it. When going back to the VP of security - I'm now being told that I need too call back and " re-open '' this. 

It feels as through SunTrust does not take fraud very seriously.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only 100 percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.
Consumer complaint received 2019-09-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (OH)

XXXX XXXX DIVERSIFIED CONSULTANTS , inc amount {$620.00} this is not our legal debt?? 
this belongs too our son and daughter in laws apparntly, my wife signed via usps for package too go on internet school this laptop was never returned to XXXX XXXX no was child ever enrolled in the internet school!!!! 
DIVERSIFIED CONSULTANTS , INC DEBT # XXXX XXXX XXXX XXXX, TX,XXXX XXXX WE TRIED TO TALK ABOUT THIS TOO THERE CUSTOMER SERVICE THEY WOULD NOT LISTEN TOO LOGIC??
Consumer complaint received 2019-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (KY)

Starting on 4 / 1/ 2019 and every month since. I have notice that my MR. COOPER. Mortgage Billing Statement is higher than my normal payment. My statement says that my " Regular Monthly payment '' should be {$870.00} but the bill continues to be sent as {$920.00}. 32.  A difference of {$49.00} Which is the amount of my home warrarnty. After calling them every month they continue to tell me that my warranty was misapplied and they will fix it. Currently they still have not corrected this billing error. My current bill say XXXX. I HAVE ALWAY SENT A PAYMENT OF {$870.00}. That is more than the requested payment of {$870.00}. So there is NO shortage or missed payment.
Consumer complaint received 2019-09-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MD)

Hello I am the latest victim of online money scam. Someone deceived and was able to get me to transfer {$1500.00} to him through XXXX on XX/XX/XXXX. I used Chase Quicky Pay With XXXX features from Chase Bank to transfer {$1500.00} to that person. 

Upon realising next day that person was fraud, I reached out to Chase bank XXXX XX/XX/XXXX to explain my problems but they did not bothered to help me on this. Per them anyone transferring money through Chase QuickPay is not protected by bank and i should be reaching out to XXXX. There is no customer support from XXXX for this kind of issues and i should be reaching out to my bank rather. I again reached out to bank on XXXX XXXX but of no help. 
I have also registered a complaint to with local county police about this fraud but not sure how much they would be of help to me. 
I believe as this feature is integrated with online banking, so bank must help customer and be liable to protect the money.
Consumer complaint received 2019-09-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (MI)

opened checking account XX/XX/XXXX XXXX they had promotion where you would receive {$400.00} if you made 3 direct deposits over 90 days of {$3000.00} or more. I did all those things, and i never received the bonus. the explanation over message center was that i did not make 3 deposits. I recontacted them and showed my statement showing i did make 3. they then elevated the issue and a lady called and told me i didn't receive the bonus because i got another bonus more than 13 months ago. I explained that was within their posted terms which say you can not earn a bonus within 12 months, and i earned one over a year ago. she then told me she would look into it. she called back and said i opened the account within 12 months of receiving the bonus and that was why i did not get a bonus this year. what she said is not what is posted in their terms and conditions. they are not paying out and are wrong for that.
Consumer complaint received 2019-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc. (NV)

Sentry recovery debt collections were told three times that the debt added to my account was not owed by me. I also told them not to contact me at work or personal cell. The company that reported the debt also sent a letter to sentry and told them I was not liable for deby yet they still reported debt to all credit bureaus.
Consumer complaint received 2019-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have filed two complaints with TransUnion - XXXX and XXXX. Initially this issue was corrected but then reverted back and TransUnion has provided an unsatisfactory explanation. All payments to XXXX XXXX were made on time. They have made a mistake and TransUnion is obliged to remove the late payment and ask XXXX XXXX for evidence of the late payment. My evidence of all payments are attached.
Consumer complaint received 2019-09-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (NJ)

I am in refinancing my 1st loan and 2nd mortgage company ( Ditech my loan # is XXXX ) is not cooperating. 
We have requested letter of subordination in month of XX/XX/2019 and they were not cooperating we waited for the month of XXXX with no results. So I paid off the loan on XX/XX/2019. I requested paid off letter from Ditech, they said me on XX/XX/XXXX I will have it in 7 to 10 business  days. I did not received a letter, so I called on end of the XXXX business days they said letter was not generated, it will generate in next 24 to 48 hours and we will email me one copy and hard copy will arrive in mail by XXXX But if they have not generated the letter how I am going to received it by XXXX XX/XX/2019? 
Because they are not cooperating I have to pay more interest ( {$1200.00} per month ) for two months and end is not in site. I have to pay another {$1200.00} in interest for next month. 
Please do some something and expedite the process. 
Thank you. 
XXXX XXXX
Consumer complaint received 2019-09-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

While I was in XXXX XXXX in Virginia from ( XX/XX/XXXX XXXX XXXX 2019 ) for the Florida XXXX XXXX . Some unknown company deposited a check for XXXX dollars into my account some unknown person then withdrew XXXX from my account. I got a call from USAA that my account was under review and i did not know why. I called them back to get more information on the matter and that's when I found out the above information. Apparently the XXXX fraudulent checked bounced leaving me out XXXX dollar plus bounced check chargers. I told USAA this was not my debt or no one I knew was involved in this transaction. This is fraud and theft of my account. On XX/XX/2019 USAA is trying to collect XXXX from me they told me i had 60 - 75 days to pay the debt, then on XXXX XXXX they kept calling me to pay the debt immediately. THIS NOT MY DEBT. THIS IS THEFT/ FRAUD.
Consumer complaint received 2019-09-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Acceptance Rentals, Inc. (VA)

On or around XX/XX/XXXX, Acceptance now at XXXX XXXX in XXXX XXXX Va was advised via a phone call that payment would be made on XX/XX/XXXX. They proceeded to make two phone calls on XX/XX/XXXX and left two voice mails on my cell phone. One at XXXX and another at XXXX. In the 2nd message the man stated " calling in reference to my commitment to make a payment today still need to get that payment in today call us back at XXXX ''. Never stated his name and made reference to a debt owed on my voice mail. When I called back and requested to speak with the man who had just left the message on my phone, I was not given his name as he would not give it to me, only kept saying what can he do for me. I advised him I told them the payment would be paid on this date and they have called me twice and left two messages on my voice mail. The day is not over yet and the payment has been made. He never apologized for the multiple messages or his disgusting attitude towards a customer. I would never recommend anyone to do business with this company.
Consumer complaint received 2019-09-21
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 checked my personal Equifax credit report, and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. XXXX XXXX XXXX, inquire date XX/XX/XXXX, XXXX, inquire date XX/XX/XXXX, XXXX XXXX XXXX, inquire date XX/XX/XXXX. If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Consumer complaint received 2019-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MA)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Navient placed my student loans into forbearance without my knowledge or consent. Moreover, on XX/XX/XXXX, I contacted them and requested my loans be taken out of forbearance but was told they were unable to do so. As a result, I have been prevented from earning credit for on-time payments towards both PSLF and general discharge, as well as preventing me from receiving the reduced interest rate available to individuals who use auto-pay. Given the recent unsealing of Navient 's internal memo which directs staff that " Our battle cry remains forbear them, forbear them '' I feel that this is done intentionally to defraud consumers and increase profits. Moreover, Navient fails to disclose to borrowers that their loan balance may be forgiven after a set amount of qualifying monthly payments, but forbearance prevents them from making those monthly payments.
Consumer complaint received 2019-02-10
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: Onity Group Inc. (TX)

My credit report contains an mortgage account from Ocwen / XXXX XXXX which I have contacted Ocwen and they confirmed is NOT mine. However, they will not inform the credit agency of this, despite me escalating and providing them the information. 

I have also contacted the credit agencies multiple times on this, and it continues to remain on my account, without explanation or evidence that the account belongs to me. 

This is extremely upsetting and frustrating. This is inhibiting my ability to purchase a home. 

Thank you for all your help.
Consumer complaint received 2019-09-21
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.
Consumer complaint received 2019-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Performant Financial Corporation (FL)

Good afternoon my name is XXXX XXXX, my claim is against the performant company because they report my credit card and put it into a debt collection and take it to a criminal account for an amount of {$250.00} which does not explain where that charge comes from. And not only that, but also affected my credit score with the buroe credit and already pay off the amount of {$250.00} and is still reflected in my credit card as a debt colletion and they did not remove it. Please, I need an answer or a solve of the problem with my credit card.
Consumer complaint received 2019-09-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

Hello Staff. 
On : XX/XX/2019, ORG BILLING ( XXXX ) ( app : XXXX ) Ref. # XXXX Paid in full : {$550.00} Bal. : XXXX I was told to complete the process using the XXXX. I wasn't mail or contacted for me receipt of transaction showing processed and complete. 

I went into store location only to be told to follow up with these people. Well they headed up process number two. Text me a paid in full letter, only to find out that it hold no value unless process completed through corporate. Who is corporate at this point I said. No one seem to know how to assist me with the closing is f this matter in full with these folks below : XXXX XXXX XXXX XXXX. 
Doc ID : XXXX Acct. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL. XXXX XXXX XXXX : XX/XX/2019