davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted the credit bureau and companies reporting. I have never received any information. it's been more than 30 days. These accounts are inaccurate and i have no knowledge or obligation. Accounts appear to be fraud related.
Consumer complaint received 2023-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc. (NY)

The mortgage company I believe is ripping me off, The mortgage principal is not going down as we expect it to. When I tried to refinance with XXXX XXXX  XXXX XXXX the mortgage company I belong to wrote that company a letter indicating that I was behind in my monthly payment which was not true causing the refinance not to go threw ; then sent a letter explaining his office made a mistake writing that letter. It just seems that I am never getting out of this mortgage loan and I need help.
Consumer complaint received 2020-01-29
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: ENCORE CAPITAL GROUP INC. (NY)

while login on to my credit monitoring I noticed that a few accounts that was on my report 1.midland credit management {$740.00} 2.XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (OK)

I was contacted by CBE Group via text message on XX/XX/2023. I have not authorized this company to contact me using text messages. The link provided in the text message to pay online was used in an effort to identify the debt. The link will auto-populate an account number and requests a secondary piece of identifying information ; either cell phone number or zip code. I tried both ways and both times I received a message stating no account could be located. I do not know this company, I do not owe this company, and their system clearly has no record of my debt.
Consumer complaint received 2019-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XX/XX/2018 I had a charge for {$230.00} from XXXX XXXX which I did not make or have any idea about. I had never heard of the company before. I found out about the charge when I received my CITI statement XX/XX/2018. I immediately called CITI the next working day to make a claim/dispute the charge ( XX/XX/2018 ). I later received a letter which asked me what I had done to rectify the issues regarding the fraudulent charge ( s ) on XX/XX/2018. I forwarded CITI the correspondence I had with XXXX XXXX ( E-mail sent XX/XX/2018 ) in which they stated they couldn't assist me with the issue and to have my financial institution ( CITI ) contact them instead. I then  received a letter on XX/XX/2018 that stated that I would be responsible for the charges as I had not sent a " Complete response '' to them about the fraudulent charges. I am not sure how I had not sent a complete response to CITI as I sent them everything I had and was asked to provide. XXXX would not speak with me about the issue, so I assumed CITI would speak with them. I'm not sure what else I could have done about this as I had no knowledge about the charge and XXXX refused to speak with me about the charge. I figured CITI would investigate where the item was shipped or something of the sort to be sure my claim was legitimate, but instead they declined my claim and left me to pay for something I didn't not order, receive, or have any idea about.
Consumer complaint received 2021-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MO)

For the past 3-4 months I have noticed on my credit a amount owed to Hunter Warfield LLC of {$2400.00}. I have filled multiple disputes with the credit bureaus most recently XX/XX/2020 XXXX. The company has never informed me of accurate information that would make me responsible for this account. There is no documentation, bills, or any information that has been provided to me. This is not my account/responsibility and this should be removed from my credit reports. This continues to cause significant challenges to me and my credit in a time of pandemic, preventing me from obtaining services needed.
Consumer complaint received 2019-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have contacted Transunion several times via phone, online and first class mailings on many occasions in regards to 1 account that was placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it! It makes it look very bad on my credit report, and reporting negatively. I am trying to get financed for something and it makes it difficult when they're checking credit, and I have a negative account that does not belong to me reporting inaccurately. I have disputed and reached out to Transunion several times and they say the same thing over and over.The companies need to either send proof of validation or it needs to be removed This account does not belong to me I have done FTC I have called and they have told me that they are handling it and they have received proper paper work and I should see an update and I never do.The following account that is reporting is ... XXXX with a balance of {$1400.00}
Consumer complaint received 2019-04-23
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. (UT)

This account was not originally disputed, but it is no longer valid. It has been paid in full since XXXX and has had a XXXX balance ever since. I have disputed this report on numerous occasions by phone and in writing, which should not be reason to have it remain on my credit reports. Written request from XX/XX/XXXX and XX/XX/XXXX, through this year have been ignored. I can not get anyone to respond and there has been no resolution. 

I am being penalized on my mortgage loan and need immediate action from this lender by removal of this long since paid off account from all three reporting agencies.
Consumer complaint received 2018-09-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (TN)

I had to pay extra money for my escrow. 
And also I have a balloon note on my account which I don't understand when I did my modification to lower my payment I felt like I had no choice, and I know when that time comes I won't have that type of money to pay out all at once.
Consumer complaint received 2023-10-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (CO)

I recently submitted a complaint against national credit systems regarding a fraudulent account that was placed on my credit report. XXXX of my complaints with this company is still being reviewed. However, the second account that they are reporting has came back verified or with accurate information. This matter needs to be re-investigated as I explained in plenty of my dispute letters, as well as contacting the company about being an identity theft victim, which in this case my identity was compromised to obtain apartments at properties I never lived at with this complaint, I have submitted my identity theft report affidavit which is also notarized. I also have sent them another letter with the same information dating back XX/XX/2023, which the status on the tracking has yet to be received. 

To summarize my situation again I am a victim of identity theft, and these accounts listed with your company. National credit system is reporting in accurate information without a thorough investigation. I am requesting you re-investigate this matter with both of the accounts listed in your system.
Consumer complaint received 2020-12-17
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: AMERICAN EXPRESS COMPANY (SD)

In XXXX i as an account manager on the account opened by my wife with whom I separated in XXXX XXXX XXXX is the individual who opened a Delta Gold American Express card and a XXXX American Express card. I was added as an authorized user at one point. In XXXX I removed myself off the two accounts. I was advised by American Express credit Bureau department that I was no longer on the account and that I was not responsible for the debt as an authorized user, and since I was removed from the account and no longer an authorized user not responsible for the debt. I filed for divorce in XXXX. The account was not paid on by XXXX the account is past due and despite being past due since XXXX on both accounts American Express is reporting incorrectly that I am the individual on the Gold Delta American Express Card and delinquent on my credit report. I have called four more times and been told they are not reporting to the bureaus as I am not on the account nor responsible for the debt. XXXX has reported fraudulently I am past due on an account I am not on not responsible for
Consumer complaint received 2019-04-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (NY)

I have opened an account with sprint in XX/XX/XXXX and never had made the payments.it then went into to collections ( convergent Outsorsing ) and I had paid that off XX/XX/XXXX. I have recently discovered an error on this account and would like it to be removed as soon as possible. The account number is XXXX. 

The account number is wrong and does not show the full number of this account, their for this is an error and would like this to be removed from my credit report as soon as possible, Under the Fair Credit Reporting Act. Thank you.
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Hi. I have contacted XXXX, XXXX and Experian several times asking them to update my address to XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, Florida XXXX because all other addresses that are listed are incorrect. They are all still showing incorrect information on my credit reports.
Consumer complaint received 2023-09-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

US Auto Sales not only altered my loan and what I paid for a few months was completely gone when my payments was altered. They sent my loan over to Westlake Portolio and when doing so it altered my loan again. Its like I never paid anything once again, my actual loan contract has been altered by Westlake as well. My GAP coverage doesnt exist. US Auto had me paying for insurance when I was already paying for insurance myself. Ive only missed two payments which I called ahead of time to let them know I was not going to be able to due to XXXX even offered to provide documentation from the XXXX.
Consumer complaint received 2019-04-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

We got a bill from Freedom Mortgage stating we owed way more than our normal payments because they said that we owned 3 properties and our taxes were suppose to be XXXX per year and we had to pay a XXXX house payment to catch them up. We called and emailed them proof that our taxes were only XXXX per year and they made a mistake. They supposedly fixed the mistake, but come to find out they havent because we sent XX/XX/XXXX mortgage payment and they put it to the owed taxes and escrow instead of our house payment and in turn sent a bill stating we were late on XX/XX/XXXX house payment with a late fee on top of that. We paid our house payment on time and they messed up and they mess up all of the time. This needs to be fixed and we should not owe a late fee and they better not tell the credit bureaus that our mortgage was late, because it wasnt. 
Thank You!
Consumer complaint received 2019-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (NJ)

I paid this debt directly with XXXX back in XXXX or XXXX. I accepted a settlement offer from them and legally paid in full for less than due. The account has been reporting as closed " legally paid in full for less than balance due '' on my credit report since XX/XX/XXXX. I have attached snapshots of my report below, showing it being reported as closed & paid. On XX/XX/XXXX I receive an alert from XXXX that a new collection is being reported under my name. I log on to XXXX to view the account, and see it is being reported as a collection account under XXXX XXXX XXXX for the original amount {$2900.00}, which has already been settled with XXXX.
Consumer complaint received 2019-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

an unauthorized purchase was made by XXXX XXXX car on XX/XX/2019. I am aware that some has been using my identity for the past 5 years I have tried my best to protect my identity as much as possible. Whenever i am not using my Wells Fargo bank card I always turn the card off, I have reported the issue to the Federal Trade Commission and they have placed a fraud alert on my credit report. Now my account is overdrawn because of yet another unauthorized purchase. I contacted wells Fargo but i was told i would have to wait 10 Days.
Consumer complaint received 2019-04-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I have wired through one of Chase branches in XXXX XXXX, the exact Reinstatement Amount of {$43000.00} to JPMorgan Chase Bank In order to remove/withdraw their wrongful foreclosure proceedings on my residential property.

However, the Chase Executive Ms. XXXX XXXX, and it's trustee, XXXX XXXX XXXX XXXX are not honoring even their own rules and regulations, she wants the Total Payoff of {$100000.00} now in order to remove their wrongful foreclosure proceedings with Sales Date of XX/XX/2019 at XXXX XXXX on my family resident.

She knows I can not prepare XXXX in such a short time. That's why I asked for minimum reinstatement amount to avoid foreclosure without resorting to Chapter XXXX- bankruptcy filing.

I appreciate you assistant in bringing JPMorgan Chase and it's foreclosure trustee, XXXX XXXX XXXX XXXX. " Quality '' to their senses, and stop harassing my family with their fraudulent default claim as explained in my previous complaint about them on XX/XX/XXXX.

My previous complaint ID is. XXXX, submitted XX/XX/2019. Product : Mortgage Issue wrongful foreclosure.

Thank you, XXXX XXXX Tell : ( XXXX ) XXXX Email : XXXX XXXX
Consumer complaint received 2019-04-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (OH)

My acct was past due. I tried to pay online but pennymac disables that option when I fell behind. I took money out of my 401k and called for the amount to bring current and was told they couldnt tell me and wouldnt accept payment. I then sent almost {$10000.00} from my bank directly by the due date on the most recent statemebt I had and they applied it but added what they refer to as other fees. The next month the bill had the {$1500.00} payment and almost a thousand dollars in fees. I paid that and 2 days later more other fees were added. I was told this was due to forclosure but I was never in forclosure. They said they were attorney fees but refused to send me statement showing that or to even confirm that these fees would stop now.
Consumer complaint received 2019-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MO)

I have contacted Equifax several times via phone, online and first class mailings on many ocassions in regards to 1 account that was placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it! It makes it look very bad on my credit report, and reporting negatively. I am trying to get financed for something and it makes it difficult when they're checking credit, and I have a negative account that does not belong to me reporting inaccurately. I have disputed and reached out to Equifax, several times and they say the same thing over and over.The companies need to either send proof of validation or it needs to be removed This account does not belong to me I have done FTC I have called and they have told me that they are handling it and they have received proper paper work and I should see an update and I never do.The following account that is reporting is ... XXXX with a balance of {$1400.00}
Consumer complaint received 2019-04-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION (FL)

HELLO AS THEY ARE TREATED TO SOLVE THIS PROBLEM WITH MY BANK BANK REGION THEY ARE IN THE PROCESS OF CLOSING MY ACCOUNT ONLY BECAUSE I RECEIVED A CHECK AS I PAYED IT AND DEPOSITED IT IN MY BANK ACCOUNT BUT THE CHECK RETURNED BECAUSE I DID NOT HAVE FUNDS I DID NOT KNOW WHAT HAD PAID ME WITH A CHECK WITHOUT FUNDS NOW MY BANK SAYS THAT I'M TRYING TO MAKE A FRAUD AND IT IS NOT ALREADY I HAVE SEVERAL YEARS WITH THIS BANK ACCOUNT HERE IS WHERE I RECEIVE THE MONEY THAT DEPOSITS SOCIAL SECURITY FOR MY XXXX SON XXXX XXXX THIS ACCOUNT TO RECEIVE MY MONEY .... I NEVER TRIED TO MAKE FRAUD AND I HAVE TIME HERE AND NEVER HAVE THAT INTENTION THANK YOU ..
Consumer complaint received 2020-12-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

First time selling item on XXXX. Item listed for {$800.00}. Immediate text interest from XXXX. Buyer said he would send cashiers check for {$1900.00}. {$800.00} for the item. A {$50.00} tip for me for taking the listing down and holding the item for him. And {$1100.00} that I am to provide the movers when they pick up the furniture item. He is apparently moving to the city but his moving company was going to pickup the large furniture item for him. I receive cashiers check and deposit it. It clears. I set pickup time and the buyer says the {$1100.00} must be sent via XXXX XXXX. I said no. Only cash or check in person when they pick it up. He said with Covid the rules are they must have the I asked why he couldnt have sent it then. He said I already have his money and this is legit. So I sent {$1100.00} to XXXX and I had a bad feeling about it. I also thought I had the money in my account though. He avoids me the next two days. Then says his wife has been in an accident. They arent moving and he doesnt need the item. The cashiers check is fake and I sent {$1100.00} that I can not get back right now. So fraud has been committed against me. I reached out to Chase and because I paid over XXXX, they could not give me my money back.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On numerous occasions, XXXX XXXX of XXXX ran a hard inquiry without my consent. I would like them removed. He ran my credit more than 40 times without my consent. I see no way to remove any of them. I would like them removed from all credit reporting agencies. There are groups of inquiries from different dates. XX/XX/XXXX, XXXX. Any inquiries done by XXXX XXXX XXXX XXXX after XX/XX/XXXX. 
On TransUnion, I have a total of 51 inquiries. At least 40 of them were done by XXXX XXXX. He did not have my permission. They were trying to get me out of the piece of XXXX car they sold me. When the manager, XXXX, found a car I MIGHT be interested in, he ran my credit. He knew I was only looking for a certain car but did whatever He felt I might be interested in. This is fraudulent. 
XXXX  Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2020-12-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NC)

XX/XX/2020 {$1200.00} {$1900.00} {$2200.00} there is this company that keep changing names and keep reinserting on my credit by different names same company ... I feel like im being pressured harrased by this company and their giving me different amounts ... I even tried to reach out to the company to resolve this.. they gave me the run around and seem to be a rude company and also call me at XXXX at night ... This is really stressful the harassment especially calling me unknown at XXXX at night.. the name of the companies that are the same but have different names are XXXX XXXX XXXX XXXX and they other name is XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (FL)

My home was destroyed by both Hurricane Ian and Nicole. Both declared disaster area. My home was unlivable. Freedom mortgage purchased my mortgage from XXXXXXXX XXXX in the middle of all the chaos. I had a forbearance from XXXX. I requested additional time from Freedom mortgage due to the fact of insurance delays etc. and that we were not able to get any federal assistance. I had never missed a payment with XXXX  prior to the hurricanes. Freedom started the foreclosure process on my home that didnt even have walls or air conditioning. I on my own financed the repairs and sold the home stopping the foreclosure process. Freedom mortgage suffered XXXX losses. They are now negatively reporting to my credit report of 3 missed payments causing great stress and robbing me of the ability to purchase a new home for 7 years. Aggressive and predatory tactics to ruin someones life while in turn freedom mortgage was paid in full. 
They are awful to deal with and every request has a 7-10 business day life cycle. My house was under contract and sold before foreclosure. 

There is no one to speak to This has been traumatic enough. Now Im in pergatory for 7 years? Please help. 
They suffered no loss and i suffered a lot.