davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-13
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)

ON XX/XX/2020 I RECEIVED AN EMAIL FROM MY CREDIT REPORT MONITORING SERVICE OF A NEW ADDRESS THAT WAS ADDED TO MY CREDIT PROFILE. I IMMEDIATELY CHECKED ON XXXX AND FOUND FRAUDULENT ACCOUNTS AND ADDRESSES THAT DO NOT BELONG TO ME. I HAVE NEVER BENEFITTED FROM ANY OF THESE ACCOUNTS NOR HAVE I EVER LIVED IN FLORIDA OR UTAH OR ANY OF THE ADDRESSES LISTED IN MY REPORT. PLEASE REMOVE THESE ACCOUNTS AND ADDRESSES ASSOCIATED WITH MY CREDIT PROFILE. I HAVE FILED A POLICE REPORT AND CONTACTED EACH COMPANY INVOLVED.
Consumer complaint received 2018-07-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Associates (VA)

This was with XXXX debt to XXXX XXXX XXXX and I was sending checks to them for this debt and it was being sold to different debt collectors and I have another debt that was paid off and they were trying to collect from me again for the same thing the hospital has not notified that it was doing so and just doing it and its with several debts I had XXXX and I am paying slot of bills they are cashing my checks and still sending my stuff to debt collectors now they are messing with my credit I worked really hard to build
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

XXXX XXXX credit card I dont have the exact amount anymore but I already paid them in full regarding our settlement two years ago.

Discover credit card I already paid them in full 3 years ago XXXX XXXX Already paid them in full around XXXX of this year. 

XXXX  credit card Never been late in payment and paid them in full XXXX Paid them in full already
Consumer complaint received 2020-02-13
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. (MA)

I have presented XXXX with the request for support to have the incorrect information that appears on my consumer report corrected and for the removal of the items that I have listed pertain to identity theft and the misuse of my information. 
I have not received an appropriate response from the part of XXXX and in my last attempt to commission support I have been left on the phone for one and a half hours and then the call was simply ended without appropriate resolution.

I am a person with a XXXX and the continuous disregard of my concerns and poor communication is not the experience that myself or any concerned consumer should have when documenting that they have been a victim of identity theft.
Consumer complaint received 2022-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (AZ)

XX/XX/2022 i was charged {$220.00} by XXXX that same day the order was canceled and I was charged for 1 item which left me with {$210.00} for a refund. XXXX released the funds that day. On XX/XX/2022 my bank account chime settled the transaction and then put it back into pending. I called chime and they said XXXX was responsible for the pending transaction I called XXXX and the billing department explained they released the hold they had on the account and a refund was issued and it was up to chime to release the funds. I again called chime and they said XXXX didnt release the funds. From then on XXXX me and chime did a conference call in which XXXX billing explained they released the funds and chime should release the funds on my account as well they then informed me I would not be getting my refund. I have called chime over 10 times and no one can explain why the transaction settled then went back into pending or why or where are my funds in the first place. They WILL not help me they will not answer my questions and I need help!
Consumer complaint received 2019-06-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Ria Envia, LLC (GA)

On XX/XX/2019 I attempted to receive a money transfer from another Walmart. My Mom was sending me {$50.00}. The cashier was very disrespectful and unprofessional in assisting me. She yelled at me, for no reason. She refused to provide documentation in writing, as I requested, of the reason for her refusal to process my transaction. I provided three valid forms of government identification. Im in the process of a name change, and I even provided in addition, court documents pertaining to the name change. The cashier was rude and offered no recourse for the money transfer services she was conducting. One Manager, XXXX was worse in attempting to assist with a second transaction. She expressed that Walmart should have never assisted me with the first transaction. In hindsight, thats not a comment that benefits customers. Instead, offered confusion and further frustration.
Consumer complaint received 2015-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (AZ)

My house is under contract to be sold. I requested a payoff statement from Seterus Inc back on XXXX XXXX. As of XXXX XXXX that payoff statement has not been provided because they had a " system upgrade '' back in XXXX and are months behind. According to the CFPB website, lenders are supposed to provide a payoff within 7 days. Please help me meet my contractual obligation by assisting me in getting a payoff statement. 
I was also made aware that this lender is supposed to provide a statement showing my payment and how it 's being applied. It 's been YEARS since I received a statement from Seterus.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NE)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency cant furnish an account without my written instructions. Under 15USC 1666 B a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-10
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. (NY)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-11
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-04-14
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: Experian Information Solutions Inc. (CA)

I have two accounts that are showing up on my credit report and they do not belong to me I have started my dispute process back in XX/XX/2020 and nothing has yet been done for this I have also filed a FTC for these two accounts and send them in to the bureaus and again nothing is being done about this please help me out. 

XXXX - XXXX XXXX - XXXX
Consumer complaint received 2019-10-17
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. (NY)

I dispute credit one yet they come back reporting more inaccurate information now you have to delete or I will sued Equifax enclose is a letter of sale of this account it was sold XX/XX/XXXX how the XXXX can they report me late for the year XX/XX/XXXX you must delete at once three time they come back incorrect no more you delete are you show proof with paper work that I am late in XX/XX/XXXX you can so delete at once A COMPLAINT HAS BEEN FILE AGAINST CREDIT ONE WITH THE OCC THE FTC WILL HEAR ABOUT THIS
Consumer complaint received 2022-03-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (FL)

I write to you today most distressed and broken knowing Ive written to you already pertaining this case with AMEX XXXX XXXX XXXX account. 

COMPLAINT ID XXXX Submitted : XX/XX/2022 As of today, XX/XX/2022 I am yet to receive my funds due from the closing of my account. Ive called multiple times and still no one has provided me with a resolve to me getting my total funds of {$940.00}. 

On XX/XX/2022, I was lied to and given a fake item number by a female associate on the AMEX team. This item # is as followed : XXXX. I was misinformed by this associate claiming my funds had been sent out through the USPS. She further told me to expect my check on XX/XX/2022. Which was yet again another disappointed & stressful situation seeing that once again there is no check in the mail. 

On XX/XX/2022, given the reality of the absent check I called AMEX looking for some relief only to find out no check was issued. And, the indemnity form sent back to them was still in process, sigh. Its been over 2 months since waiting on my refund. I am very stressed and have been left to borrow money from my sister to cover my expenses. I am a mother of XXXX children all under XXXX XXXX XXXX. I simply want my funds back. 

Another issue Ive with AMEX is how poorly Ive been treated as a customer, their inability to deliver prompt & proper care and the lack/absence of a supervisor/manager to hold anyone accountable. Managers are always absent. And, even when when promised a call back, no one follows up with your concerns being clarified. 

Another important point to note is the unending wait period to speak with someone in the back office/ banking operations team. This is every single time that Ive had to call. Also, every other documentation sent to me by the bank has been received in my mailbox, all except the supposed checks that were sent out. 

In closing, prior to completing this form I was once again informed my account details are still in processing. How much longer must I wait? 

Please help! 

Signed, Distressed consumer
Consumer complaint received 2023-08-19
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. (NC)

I have multiple charges on my credit file from XXXX XXXX XXXX claiming a debt from XXXX XXXX In addition to the accounts timeline over lapping one another this is not my debt. Also XXXX XXXX XXXX are attempting to collect a debt that has already been paid. And my XXXX XXXX XXXX XXXX account was settled through a collection for a lesser amount.
Consumer complaint received 2019-10-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC. (FL)

I lost my job in XXXX and asked for a forbearance which was granted for three months. Arvest Central Mortgage advised me that I did not need to make any payments until XX/XX/2019. I did make a small payment in XX/XX/2019 which was never applied to my account. I called in XXXX to set up a repayment plan and was advised that I could not make any payments and if I did it would be returned. I sent in the hardship application on XX/XX/2019 ( which was still within the month I should have been able to make a payment plan ) I was offered a six month verbal repayment but it was too large for me and I asked if I could not do the hardship that I could still do the six month and was advised that I could. I have tried to resolve and was declined for repayment and then approved and then upon doing a new application so I could have more time to get the required XXXX down payment together. This is just a brief overview. However I never received notice of a foreclosure action. As a XXXX  I discovered this on my own through court records but never from Arrest. Yesterday, XX/XX/2019 i received a letter declining my request once again even though I have saved the downpayment and can make the payments. Please advise. Sincerely, XXXX XXXX XXXX, XXXX
Consumer complaint received 2020-02-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I was garnished in the summer of XX/XX/XXXX by XXXX XXXX XXXX XXXX who represented Capital One Bank regarding an unpaid credit card. The balance of the debt was {$3000.00}. The garnishment totaled {$2500.00} dollars, and ended on XX/XX/XXXX. A payment plan was setup to pay {$200.00} a month for the remaining balance. The first payment began on the XX/XX/XXXX. I  assumed the payments would discontinue after I satisfied the debt in full. They did not, and I had to revoke the payment plan in XX/XX/XXXX. 

When I contacted the XXXX XXXX XXXX XXXX ( aka debt collector ) on the over payment there stance was until they actually receive the money from the garnishment, the balance will not change. It is XXXX XXXX XXXX responsibility to request the money from the courthouse. They have sent me letters periodically about paying the debt, and I contacted them again by phone XX/XX/XXXX regarding the debt. They still had not requested the money from the courthouse a year later. 

The latest letter I received from the debt collector was dated XX/XX/XXXX stating that I still owed {$2300.00} dollars, and they would settle with a lump sum payment of {$1100.00}. I contacted them on XX/XX/XXXX and they had no record of the garnishment money. I contacted the courthouse and was provided with a copy of the Judgement on Answer And Order to Pay which was filed by XXXX XXXX XXXX XXXX on XX/XX/XXXX for the amount of XXXX. I was also provided with a copy of the check for this amount which issued on XX/XX/XXXX and mailed on XX/XX/XXXX. They state they have not received the check. 

I confirmed with the courthouse accounting department on XX/XX/XXXX that my garnishment account still has {$860.00} that has not been requested from the collector. When I informed them of this, they state they have no knowledge of the additional monies. They continue to misrepresent the amount I owe them and have kept this account alive for almost two years after all monies have been paid in some form. XXXX XXXX XXXX XXXX currently owes me {$280.00} as I have overpaid on this debt.
Consumer complaint received 2019-10-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (NY)

New Rez lender refinanced an owner finance loan. A 2 parcel 168 acres total. The residence financed is on 46 acres, the balance of acreage classified as 'excess land '. The property entirety was appraised out at {$240000.00}. My loan amount then was {$160000.00}. Someone placed a lien on the excess inhibiting me from selling a portion of excess land 80 acres. Had a buyer contract, the buyer walked leaving me with {$1200.00} legal fees due to the lender refusing to do a partial release. Someone also subdivided the 168 acres 2 parcels to 4. Do not know who, I never signed with the county to do so. Someone therefore took ownership of the balance of acreage.
Consumer complaint received 2019-10-17
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. (IN)

The purpose of the complaint is to notify you that a case has been open with the Indiana State Attorney General office. As stated in previous correspondence my idenity was compromised and the following accounts below were opened in my name. I demand that these items be removed immediately. If not, I will pursue further legal action. I have included the case number and contact information below. 

Case # : XXXX Contact : XXXX 1. State XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


I have called and spoken with customer service of XXXX, and I have filed disputes with XXXX, Equifax, and XXXX with no resolution. When I asked about speaking to management, I was told they do not speak with the public. 
Both are charge-off accounts. However, one credit bureau says it's a collection account. 

When I called, I was told that one CHARGE OFF account was recently sold to a collection agency called XXXX XXXX 

Incorrect and inconsistent amounts are listed on each bureau related to dates opened, Information is listed differently related to secured loans, collection, and charge off. 

The balance has been increasing, which should not be due to it being charged off. It should be continuously reporting a charge-off monthly, nor should it be accumulated interest if it has been charged off already. 

If the account has been sold, it should be deleted, as this will be double jeopardy in reporting two duplicate accounts on my report. Especially if one has been charged off and you have legally taken it as a loss with IRS. 

The consistent inaccurate reporting on my credit report over the past several years needs to be fixed by removing these XXXX accounts. I have tried to rectify this over the past 60 days.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 


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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-07
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope this letter finds you well. I am writing to address a discrepancy on my credit report concerning a late payment that has been inaccurately reported. Upon reviewing my credit report, I noticed that there is a record of a late payment that does not accurately reflect my payment history. XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

Did a phone application to refinance with Quicken Mortgages. Rep initially  misrepresented or understated rates and costs of mortgage in order to obtain my approval to get my credit report. Then after the application was processed, the details of the loan were misrepresented and the rep would not provide the actual details in writing unless I agreed 100 % to accept the loan. I did not agree and asked several times to receive the details in writing. The rep agreed to send them but I only received my credit report. 
This seemed like a typical high pressure bait and switch sales approach. I do not think this is appropriate for mortgage sales and it does not help the companies reputation or reputability.