davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Figure Technologies, Inc (NJ)

Applied for a home equity loan with Figure, an on line lender. They did not tell me I needed flood insurance before they funded the loan into my account. I had sent them a copy of my home owners insurance as requested and at that point they said maybe I would need flood insurance. I got the email this morning saying my loan was in the process of being funded and that I would need flood insurance. When I checked my account I found the money already there. I called their customer service number XXXX and spoke with an XXXX and she said it was probably not a problem that it was a form letter. However she checked on it and came back to me and said that we did require flood insurance. She referred me to her supervisor XXXX. I asked him to take back the funding he said they could not do that since the three day recession period had passed but I was not informed during that period that I definitely needed the flood insurance. Had they informed me that I needed flood insurance when I sent them my homeowners insurance, I never would have taken the loan. I feel that their business practices are very misleading and shady. Now I'm told my only option is getting the flood insurance or paying off the loan.
Consumer complaint received 2020-02-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (MO)

On XX/XX/XXXX we received a demand for payment of a medical debt in the amount of {$1100.00} from Credit Bureau Systems Inc., XXXX XXXX XXXX XXXX KY XXXX. ( Hereafter CBS ) Copy of letter attached below. 
On XX/XX/XXXX we received a second demand for payment of a medical in the amount of {$1200.00} from the same company. Copy of letter attached below. 
On XX/XX/XXXX we responded with a letter of demand for verification of debt and authority to collect the debt per FDCPA guidelines. Copy of letter attached below. No proof of debt or authority to collect it was ever provided. 
On XX/XX/XXXX we received another letter of demand from CBS in the amount of {$1200.00} with notification that all credit reporting agencies had been notified.Copy of letter attached below. 
On XX/XX/XXXX we responded with another demand for verification which was never received. Copy of letter attached below. Many additional requests have been made to remove the collection notice from our credit record.The claim is listed as disputed on our credit report but CBS has refused to remove it to this day.
Consumer complaint received 2016-01-26
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NC)

i paid a company called XXXX XXXX dollars in XXXX of 2014 on my citi master card. the amounts were XXXX XXXX and XXXX.i disputed these charges already with citi master card.same company and citi would only credit XXXX a fourth charge same company.the company closed down on me and i told citi this.citi also told me i only had one chance to dispute this and i could not update or change the dispute.i told citi repeatedly that i never received any service or product.i really dont think citi looked into this.how can citi credit XXXX charge for the same company and not the others.i really think citi mislead me.
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Preferred Collection and Management, Inc. (FL)

There is a collection listed on my credit file which is unknown to me. I have never been notified of this nor should I owe. I do not think this even belongs to me. I have tried to dispute and request validation and nothing has happened nor have I received anything. Please help
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The credit bureaus have failed to provide me with the way they did the investigation. According to the FRCA 611 they have fail to provide me with the investigator name, who they spoke with, how they communicated with the furnisher, the contact information of the furnisher. 


Creditor : DEPT OF EDUCATION/XXXX   Account # :XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX Account # :XXXX Amount : {$8900.00} Creditor : DEPT OF EDUCATION/XXXX Account # :XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX Account # :XXXX Amount : {$1200.00} Creditor : DEPT OF EDUCATION/XXXX Account # :XXXX Amount : {$1800.00} Creditor : DEPT OF EDUCATION/XXXX Account # :XXXX Amount : {$1100.00} Creditor : DEPT OF EDUCATION/XXXX Account # :XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX Account : # XXXX Amount : {$2200.00}
Consumer complaint received 2019-04-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

I opened a Citi Checking account on XX/XX/XXXX to take part in their 30,000 XXXX XXXX miles promotion. 
The terms of this promotion was to spend at least {$370.00} on qualifying purchases within 60 calendar days of opening the account, and download the Citi Mobile App and login with my Checking account credentials. The XXXX miles were to be credited to my AAdvantage Account within 90 days of completing all required activities. 
I completed all activities on XX/XX/XXXX, well within the 60 days of opening the account. 

I initiated a chat with Citibank multiple times within the 90 days from XX/XX/XXXX to confirm I did indeed complete all required activities, and both times they confirmed I had. I asked when the miles would be credited and they said to wait the full 90 days. 

On XX/XX/XXXX, the end of the 90 days from completing required activities, I initiated another chat with CitiBank and they opened a Claim to investigate it. I waited 19 business days from that time to receive a response from the claim that said the " miles would be credited to my AAdvantage Account within 90 days of completing all required activities. '' Even though it was well past the 90 days at that point, and the missing promotion credit was the entire reason I opened the claim. 

I then called CitiBank and they again confirmed I fulfilled all requirements and opened another claim. 
I still have not received the Mileage bonus and am told I need to wait another 10 business days for the new claim to be completed.
Consumer complaint received 2019-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I learned on XX/XX/XXXX, from USAA that On XX/XX/XXXX, a USAA credit card application was initiated and approved using the USAA member number XXXX in my name XXXX XXXX XXXX for an individual account that I did not open. This XXXX card required a USAA member number that I did not know, nor did I ever know I had. It reported a monthly income of XXXX which is not accurate. I was unaware that I had access to a different XXXX USAA credit card with a XXXX limit. The XXXX USAA card was opened jointly in XXXX and approved using my income, but without my knowledge or consent using the same member number. On XXXX XXXX, XXXX, The records show a change of address for XXXX XXXX to XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX VA. The same member number was used on the same day for this new application with a XXXX credit limit. There are 2 drug purchases on the initial XXXX approved XXXX USAA attached to my name. Those RX prescription drugs were purchased in XXXX and XXXX from XXXX Florida for a total of XXXX. In addition, a highly suspicious XXXX balance transfer and unknown cash advances were purchased on the card opened in XXXX. The joint USAA account was open for over 10 years after the first application using my name and XXXX income, was closed in XXXX on the same day of this fraudulent activity. This number is associated with veteran XXXX, XXXX XXXX, and her ex-husband XXXX XXXX. A check for XXXX from USAA was sent to XXXX XXXX on XX/XX/XXXX? Why? Is this part of fraudulent activity?
Consumer complaint received 2022-12-14
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I have authorized inquiries on my Equifax Report, made by the following companies : XXXX 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 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Resurgent Capital Services L.P. (NY)

On XXXX XXXX I received a settlement letter from attorneys for CACH , LLC. It was to confirm the settlement contract we agreed on instead of paying {$2600.00} a settlement of {$1900.00} was finalized. On XX/XX/2013 I called a payment settlement over the phone and received Approval # XXXX. So this should have settled all transactions with this company. However, to date XXXX XXXX I still have a lien on my property by this company. I need this removed immediately. According to NYS courts the following is true : When the Judgment is Paid When the debtor pays the judgment, the creditor must file a Satisfaction of Judgment form with the Clerk within 20 days. 

It is filed in the Court that entered the judgment, but if a Transcript of Judgment was filed in the County Clerks office, it is filed there. The creditor must mail a copy of the Satisfaction within 10 days to the debtor and must send a copy to all other counties where a transcript of judgment was filed. If this is not done, the debtor can sue the creditor for {$100.00}. 
I am having to go through hoops to get this taken care. Realistically I shouldn't have to if this is their error. Please advise. Thank You.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

IN XXXX I WAS CONTACTED BY A EQUIFAX CREDIT BUREAU REGARDING A DATA BREACH AND WAS TOLD THAT MY PERSONAL INFORMATION INCLUDING NAME BIRTHDATE AND SOICAL SECURITY WAS COMPRIMISED. A FEW YEARS LATER I WAS RECIEVING EMAILS ON HOW TO PROCEED WITH A SETTLEMENT FROM EQUIFAX REGARDING THE DATA BREACH. AT THE INITIAL TIME THAT I WAS INFORMED OF THE DATA BREACH I CHECKED MY CREDIT REPORTS AND FOUND NO SUSPICIOUS ACTIVITY SO I ASSUMED EVERYTHING WAS FINE. BUT AS OF RECENTLY ( XX/XX/XXXX ) I HAVE COME TO FIND THAT MY INFORMATION HAS BEEN USED TO OBTAINED SEVERAL CREDIT CARDS IN MY NAME BUT WAS NOT MAILED TO MY RESIDENTIAL ADDRESS BUT WAS INSTEAD MAILED TO A DIFFRENT LOCATION. THE CULPRITS THEN MADE PAYMENTS ON THESE CARDS FOR A PERIOD OF TIME TO GAIN MORE CREDIT CARD FROM THESE CREDIT COMPANIES AND THEN MAXED THE CARDS OUT AND EVENTUAL STOPPED PAYING, I HAVE REACHED OUT TO THESE COMPANIES WIH LITTLE TO ANY RESULT BUT A FAMILY MEMBER INFORMED ME I SHOULD GO FILE A POLICE REPORT REGARDING EACH FRAUDULENT ACCOUNT ( WHICH I HAVE NOW DONE ) AND FILE A COMPLAINT AGAISNT THESE COMPANIES -XXXX XXXX ACTT # XXXX -BALANCE {$1700.00}, XXXX XXXX ACCT # XXXX BALANCE {$1100.00} IS A FRAUDULENT ACCOUNT,, THESE ACCOUNTS ARE AFFECTING MY ABILITY PURCHASE A HOME AND I NEED HELP.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

There's a incorrect address, phone number, and name showing on my credit report. I've send in docs several times to show proof that these are not accurate, however, they remain on my report or reappear. The incorrect items are listed below - XXXX XXXX XXXX XXXX - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've asked to please remove these inaccurate items. 
My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX # XXXX XXXX, Tn XXXX My phone Number is ( XXXX ) XXXX Thank You
Consumer complaint received 2021-06-11
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. (FL)

I HAVE ATTEMPTED ON SEVERAL OCCASIONS TO REMOVE THE FOLLOWING NEGATIVE ITEMS WHICH HAVE BEEN DIMINISHING THE OVERALL HEALTH OF MY CREDIT. THERE HAS BEEN NO ACTION TAKEN IN RESPONSE TO ALL THE PREVIOUS DISPUTES I HAVE SUBMITTED, SINCE XX/XX/2020 .... IN ORDER TO REMOVE THE LATE PAYMENTS FROM XXXX XXXX. THERE'S AN ACCOUNT BEING REPORTED WITH XXXX, AND NOT EQUIFAX NOR XX/XX/XXXX. WHY IS THIS NOT BEING RESOLVED? TOO MANY ATTEMPTS WITH THE BUREAUS, AND ONCE AGAIN ... NOTHING HAS BEEN DONE AT ALL. FOR YEARS, I HAVE BEEN POINTING OUT THE INACCURACIES, THE INCONSISTENT, INCOMPLETE DATA REPORTED BY THE BUREAUS. PER THE FCRA, AS A CONSUMER I HAVE EVERY RIGHT TO CHALLENGE THE FALSE INFORMATION THAT IS REFLECTING. THERE IS NO DEBT, NO DELAY IN MY PAYMENTS, AND I HAVE BEEN VERY PERSISTENT IN GETTING THE NEGATIVE INFORMATION RULED OUT COMPLETELY. PLEASE DO NOT HESITATE TO ASSIST ME WITH THIS MATTER, I NEED TO RECTIFY THIS INFORMATION IMMEDIATELY AND BANISH THE NEGATIVE HISTORY ON THE ACCOUNT. I HAVE EXCEEDED THE VOLUME OF STRESS AND DISCOMFORT REGARDING THIS ISSUE. PLEASE REMOVE THE DEROGATORY INFORMATION AS SOON AS POSSIBLE. I GREATLY APPRECIATE IT.
Consumer complaint received 2019-04-17
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. (TN)

I am writing this due to non-compliance with the ( Equifax ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-10-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (FL)

Sent out a packet back to PHH mortgage services to remodify the mortgage and the sent a letter to a different address that wasnt my address. Now how am I supposed comply if I never receive the letter. An in tern the remodification was cancelled. This is the same run around that I got from ocwen and then losing the paperwork. And the company could of contact me by email but didnt. And this was assigned by the judge to do.
Consumer complaint received 2020-02-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE SOLUTIONS OF COLORADO (FL)

I recently received a mortgage financed by your company. I also just received notice that my loan has been transferred. 
I am trying to have my escrow account for property taxes adjusted. I am exempt form property taxes because of my veteran status. I am trying to have my monthly payments reflect the new escrow amount. 
My current monthly payment is {$1700.00}. With the adjustment for property taxes my monthly payment will be approximately {$1600.00}. When I tried to make a payment by phone today I wanted to pay {$1600.00}. However, since there are no documentation currently that reflects my tax payments I was told that I need to pay {$1700.00}. 
I have submitted the required paperwork proving my exemption status twice. I believe in the process of the loan being transferred my documentation has not been received. I have also called several times to have this situation taken care of but, receive a different answer every time. 
I want to make my payment on time however, I only want to pay the amount that reflects what my tax escrow account due. I am asking your assistance with my position in this situation.
Consumer complaint received 2023-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Sir/Madam, I am writing this letter to bring to your attention a concerning matter regarding my consumer report. It has come to my attention that multiple companies have furnished written-off alleged debts to my consumer report, and by allowing this, you are inadvertently aiding these companies in committing tax fraud. Furthermore, your actions are contributing to the extortion of individuals like myself, as these debts are negatively impacting our financial reputations. 

According to federal laws and regulations, a consumer report is intended to remain equitable and accurate to the individual it represents. However, I have discovered that certain written-off accounts, for which I have never received a 1099-C, are still being reported on my consumer report. These companies have already received compensation on their taxes for these debts, and it is unjust that they are now using my credit report to further their financial gains. 

I hereby request that you take immediate action to remove the following alleged debts from my credit report : XXXX. XXXX : XXXX XXXX. XXXX XXXX  : XXXX XXXX. XXXX : XXXX Additionally, I would like to bring to your attention that neither of the following addresses listed on my credit report belong to me. Please remove them promptly : XXXX ) XXXX XXXX XXXX XXXX, TX XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX ) XXXX XXXX  XXXX XXXX XXXX, TX XXXX. 

I expect these entries, as well as the incorrect addresses, to be completely removed from my consumer report within the next four days. Failure to comply with this request will leave me no choice but to pursue legal action against all parties involved. Please note that under federal law, I am entitled to seek damages of {$1000.00} per violation. 

I trust that you will handle this matter with the urgency and attention it deserves. I have enclosed copies of the relevant documentation supporting my claims. Should you require any further information or clarification, please contact me at the provided contact details. 

I look forward to a prompt resolution to this matter. Thank you for your immediate attention to this issue.
Consumer complaint received 2019-04-17
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 some student loans reporting on my credit report that are not mine. I have tried removing them in the past. Several have been removed but there is one left that is still reporting. I need to have this removed from my credit report because it is inaccurate information.
Consumer complaint received 2021-06-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CT)

I have been trying to get my loan modification paperwork settled since XXXX of last year. I have paid for a notary and witness signatures on 5 different times. Each time time P h an H gets the paperwork back via overnight delivery, they find something wrong with it. In XXXX, I was told by them to send in the paperwork even though it was past the due date, just to be told when they received it that they wouldnt accept it because it was past due. ( This company only give you 4 days once you receive it in the mail to get the docs notarized, with witness sigs and back to their office, 4 days! during a pandemic. 

The 4th time I sent the paperwork back, they said 1 of the 4 pages that was notarized had an extra " a '' in our last name and they wouldn't accept it. The 5th and final time very recently, the rep form the bank emailed me the docs securely and told me dont worry about the due date, to just get them notarized again and overnight them back. I was just told on Thursday, 2 days after I sent the paperwork back, that they wouldnt accept it because it was past the due date! The rep himself emailed me the paperwork on Friday XX/XX/XXXX!!!! He said just send it back in, dont worry that its past the due date. Now they are telling me they wont accept my payment for my mortgage for XXXX. I have been making payments since XXXX during this modification paperwork fiasco. No they wont accept my XXXX payment. It is my belief they are dorliboritley doing this on purpose, I have {XXXX} in equity in my house and I feel they are making it impossible to get this modification done. I need help please ...