davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Certified Services, Inc. (IL)

XXXX XXXX XXXX XXXX of XXXX, Illinois and owned by XXXX XXXX XXXX and XXXX XXXX XXXX, have, since 2015 reported to the credit bureaus an amount owed by me of {$730.00}. This was an incorrect amount as it did not reflect insurance payments received by them. I have contested this amount for these very reasons numerous times since 2015 and it was repeatedly, and incorrectly, reported by XXXX XXXX XXXX XXXX as being the incorrect amount. This was confirmed to me today by their bookeeper, XXXX XXXX. Remarkably, they take no responsibility for this incorrect and damaging information they simply said " Although we reported it incorrectly to the collection company ( Certified Services , Inc of XXXX, Illinois ) we are no longer repsonsible since they reported it on your credit. When I challenged this statement by saying " But you gave them the wrong information '' they acknowledged that but still denied responsibilty saying " Once we report it we're done '' I believe the law requires them to correct negative information they know to be incorrect. 

I have tried to pay the proper amount since 2015 but have been thwarted ever since. This has been a stain on my credit report and an inaccurate one as well. Consumers are supposed to pay their bills but providers and collection agencies are required to provide factual information and, when a verification request is promulgated they are supposed to research and update the record as required by law. Both XXXX XXXX XXXX XXXX and Certified Service, Inc ignored the law and continued to report incorrect information for 4 years despite numerously repeated efforts by me to get the information corrected so that I could pay it.. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2019-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

At the end of XX/XX/2019, I received a call from PHH Mortgage Services that I was in arrear in my mortgage. I told them that this could not be the case since my account has automatic payments being made and a payment had been made. The PHH individual indicated to me that they saw the payments and since there was money in my account that I shouldn't worry because the monies would be applied to my mortgage. That was not good enough for me. I asked to speak to an escalation officer. 

When I spoke to the escalation officer he told me that they were reviewing my account because there was a first and second on the account but that everything would be resolved shortly. 

PHH Mortgage had been acquired by Ocwen Mortgage. Originally my loan was with Ocwen bu they transferred it to PHH to service it. 

Subsequently I started receiving default letters for non payment and then recently I received a letter stating that they would stop accepting my automatic payments because of the status of my account. 

Last week I tried to reach out my point of contact, XXXX XXXX ( XXXX ext XXXX ) and was told she wasn't available but I spoke to another representative about my situation and she wrote up a ticket for Ms. XXXX to follow up regarding my payments, credit reporting, and to provide me with a detailed accounting of my payments. When I called this week ( yesterday, XX/XX/2019 ) to speak with Ms. XXXX, she was again not available and when I asked about my ticket, I was informed that Ms. XXXX had closed out the ticket. 

I was livid and asked to speak to another escalation officer. This time I spoke to XXXX XXXX ( XXXX ) XXXX and told her my frustrations with PHH. She told me she would immediately have the billing department apply my payments, correct any credit reporting, put me back on the automatic payment plan, and provide me with a detailed accounting of how my payments were applied. As of today, the payments have not been applied to my mortgage. 

I am filing this complaint to help me resolve the situation regarding the payments on my mortgage with PHH Mortgage Services. 

Thank you P.S. I have direct payments made from my bank and I should be current through XXXX or XXXX since I have made advance payments. 
The bank statements show all of my payments being put into suspense accounts.
Consumer complaint received 2019-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NJ)

In 2014 XXXX  XXXX claim they were not paid by my insurance company I have great insurance thru my wife XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX   insurance.My insurance company says it was paid back in 2014 advocate says no my insurance said just ignore them they have done this b4 but they wont take it off by credit report, I have had it up to here with them they are very nasty people. I appreciate it if you could help me in this matter. Thank you XXXX XXXX
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see the enclosed document
Consumer complaint received 2019-04-03
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. (FL)

I HAVE DISPUTED THE CREDIT BUREAUS ON SEVERAL OCCASIONS ABOUT THE INACCURATE REPORTING ON MY CREDIT REPORT. I HAVE to ASK THEM TO REMOVE PERSONAL ADDRESS AND ACCOUNTS THAT WERE CLOSED SHOWING A BALANCE WITH HIGH USAGE AND THE ACCOUNT IS CLOSED. XXXX XXXX BANK SHOWING USAGE XXXX PERCENT ON A CLOSED. I HAVE REACH OUT TO THEM IN XXXX. I HAVE NOT GOTTEN THE RESOLVE THANKS
Consumer complaint received 2019-09-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

Company : Quicken Loans/XXXX, XXXX. 

Complaint : Pencil-whipped Boilerplate Appraisal We started a refinance process on a VA loan that was 2 years old for a lower interest rate. Quicken Loans said we needed an appraisal, and have us down for paying {$380.00} for this appraisal. When we received the appraisal document, it did not look correct. 

Reading through the document, we started noticing discrepancies. The square footage did not reflect the current structures on the property. The price per square foot had not increased with the comps in the neighborhood, The new permitted out buildings that we had erected were not in the appraisal, and biggest red flag of all, no one had come to our home to do an appraisal. 

Further reading said that this was a 'drive by appraisal '. The appraisal company is in XXXX, MI. It was an appraisal done online by XXXX XXXX. The Arial Photograph used in the appraisal is a 3 year old image from XXXX XXXX. The Street View image is more recent, but covers only 2/3 of our property that faces the street. 

This makes the legitimate appraisal companies out there look bad by association. The Appraiser, XXXX XXXX of XXXX, XXXX ( XXXX ) signed that she had done an actual in person exterior appraisal of our home. That is untrue. She stated in writing that " I performed a visual inspection of the exterior areas of the subject property from at least the street. I reported the conditions of the improvements in factual specific terms. I identified and reported the physical deficiencies that could reflect the livability, soundness, or structural integrity of the property. '' We have cancelled the contract with Quicken Loans, because I can no longer trust them. The problem we are having now is that we gave them {$500.00} in 'earnest money ', and they are refusing to refund that money. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Disputed transaction for unauthorized charge by a merchant. 

Merchant Name : XXXX XXXX/ XXXX XXXX XXXX XXXX -- XXXX Date of transaction : XX/XX/2019 Date of Chargeback : XX/XX/2019 Amount : {$250.00} Bank of America Visa/Debit Card Transaction ( No signature ) This merchant was NOT authorized to charge my card for this transaction. 
This was a landscaper that had my card on file to charge upon completion of twice monthly services in the maximum amount of {$100.00} and ONLY after obtaining my prior consent with verification that the work had been completed. I am an out of state homeowner and this individual took advantage of that fact by not showing up or doing the job he was contracted to do. He was FIRED for breach of contract, not showing up and leaving my yard unkept covered in weeds, overgrown and dead grass and bushes growing wildly along with leaking sprinklers that I had to pay another company almost $ 1k to repair due to his negligence. The amount in question was charged AFTER he was fired for non performance, and not showing up as contracted and another company was hired to complete the work. I in fact contacted him immediately when I saw that he charged my card, and told him he needed to reverse this charge as it was NOT AUTHORIZED. 

I gave this individual ample time to credit my card before filing a dispute, he refused. 
I filed a dispute with my bank, Bank of America, they issued a chargeback on XX/XX/2019. 

The merchant provided an invoice addressed to a completely different person with a different name as part of his rebuttal and " evidence ''. He has also provided some papers that show what appears to be a random message thread with no names, numbers or any indication that it's a conversation I am a part of or not just something he wrote and printed up himself. It certainly doesn't show my name or number associated with it, not too mention unless he can provide an actual sealed transcript from my cell carrier, anyone can photoshop and doctor up a fake document to attempt to defraud someone. I could just as easily have printed out some documents to say whatever I want them to say as well. 

Giving a merchant a card to keep on file for one monthly charge after work has been completed and I authorize the charge, does not entitle them to just randomly charge an individual 's credit card at will, whenever they see fit, especially when the cardholder has explicitly informed this merchant they were NOT authorized to charge anything without prior consent. 

This is tantamount to fraud and I would expect as a client of Bank of America for 20 years to be treated better than this. I respectfully asked them to reconsider the decision based on this information and their lack of ANY proof that I authorized them to charge my card {$250.00}. I will be filing additional formal complaints with the XXXX, XXXX XXXX and the FTC.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have noticed many inaccurate accounts appeared in my report. And I have already files the proper documentation for these accounts and have sent it to the bureaus but they did not correct them. Kindy see attached documents for these account I am complaining.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX a fraudulent inquiry was placed on my Transunion report. I contacted the bank XXXX and Transunion to have it removed. I filed a FTC report and mailed letter twice to Transunion with info they requested. I also have called XXXX 3 times each time they tell me they are or have sent information to Transunion to have it removed. To this date XX/XX/XXXX its still on my report. Pleas help me get this removed. Thanks
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (CO)

On my credit report it shows that I've missed payments to one of my lenders AES/NAVIENT and that my balance has went up, presumably from missing payments, interest, and possible penalties, though student loan payments are suspended until XX/XX/2022. AES/NAVIENT has never mailed me a statement, either.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.
Consumer complaint received 2022-03-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Family First Funding LLC (NJ)

It took me a long time to write this complaint, because I am a good and honest person, that got hurt really bad. 
I would like to point out how XXXX XXXX took the joy out of buying my first home. What he promised over the phone, unfortunately never put it in writing, that he will match any lower rate given to me, was a promise not keep and fulfilled. After sending him a proof from another bank, I was told sorry nothing I can do about it and I was asked to take the other offer. However, the other bank has 3 months long process and I had 3 weeks to get out of my apartment with XXXX minor children. What a monthly payment supposed to be {$3200.00} it turned out to be {$3500.00} for the next 30 years of my life. All thanks to XXXX, who decided to get caught up in numbers. Family First Funding puts money and profit first, and not the customers. I am so disappointed with he whole experience, and I feel tricked and used. I believed in his word, and in his promise and that is the biggest mistake I have done. Instead of having {$300.00} a month to put away for the kids, I gave it to XXXX. He also promised we will do refinance free of charge, and guess what? He sold my policy to another bank within the first month. Another broken promise, another used client. He also accused me over the phone that I am trying to corner him into giving me a lower rate, however he was the one that offered me to match any lower rate I get. And I got it from XXXX XXXX, he just didn't wanted to hear it - hear out the customer. Be aware of Family First Funding, apparently a family owned business, which cares about their family only. The person who works for him was very compassionate about the whole situation, because she realized what just happened. 
Purchased a house XX/XX/2022, XXXX XXXX XXXX
Consumer complaint received 2023-04-06
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. (AL)

I recently pulled a copy of my credit report and noticed the following information are listed in error. The FERA states that the only permissible purpose for pulling someone's credit report is A ) firm offer of credit B ) c insurance C ) employment or D ) a court order The following inquiries are related to none of the aforementioned permissible purpose * XXXX  XXXX -- XXXX XXXX * XXXX  XXXX -- XX/XX/2023 Please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer.

Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The credit bureaus is not complying with their own policies in a timely manner. I sent a letter on XX/XX/2022 addressing the issue and still no response from the bureau.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX and my identity was stolen. I submitted my police reports to Equifax and they only processed one and told me to resubmit my unprocessed report. It has already been past five days. All fraudulent accounts should have been removed already!
Consumer complaint received 2019-09-26
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)

im an id theft victim. 
these items do not belong to me u s bankruptcy court opened XX/XX/2012 XXXX XXXX XXXX {$5300.00} ( XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX  {$2200.00}
Consumer complaint received 2019-09-25
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. (NC)

I have not received any correspondence on how you have verified these alleged accounts attached in Exhibit C and therefore request that you consider this as a final notice to your office. Past this point the CONSUMER FINANCE PROTECTION BUREAU will have authenticated testimony from my end which I would gladly present in court if needed to be as evidence of my trying to rectify the SUBTERFUGE that you are reporting copied from the affidavit ************
Consumer complaint received 2019-09-26
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 am a victim of id theft. these items do not belong to me due to fraud u s bankruptcy court XXXX XXXX XXXX opened XX/XX/2013 {$6900.00} XXXX XXXX XXXX XXXX  {$260.00}
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Seveal years ago filed for Bankruptcy. Local bank in town pulled my credit when I applied for a consumer loan. It showed the bankruptcy which has been more than 7 years, I believe we filed in 2010? Why has it not been removed?
Consumer complaint received 2019-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Numerous complaints have been filed in regard to a close out check sent to me which had a stop payment placed on it prematurely and a second replacement check which was intercepted, cashed by a third party while I was on vacation, away from home. The account in question was opened as a result of data breach as well as two credit accounts, all with Capital One. Prior to this, Capital One had my personal information as I've had accounts as far back as XXXX, the data breach exposed my personal information and these accounts were opened as a result. The first check was sent to me on XX/XX/XXXX, received on XX/XX/XXXX, I left for XXXX XXXX on the following morning, XX/XX/XXXX at XXXX XXXX. I received an email from XXXX showing a package from Capital One was sent to me on or around XX/XX/XXXX, delivered on XX/XX/XXXX I believe. I do not have UPS tracking info available to me. Capital One is more than aware of this information from prior complaints and attached files showing my whereabouts at time check was intercepted and cashed. They also have information pertaining to the person whom cashed the check, however, they will not address it or compare signatures on both checks. They choose to mark my complaints as duplicate when in fact they are not, this is to avoid addressing the information I've shown as far as whereabouts and person whom cashed check in my name. I request copies of three checks, first one sent on XX/XX/XXXX with a stop payment on it, second one intercepted and cashed by third party, third one sent covering overdraft fees due to stop payment.. A XXXX XXXX agreed to refund overdraft fees and sent a separate check covering them. I need copes of these checks for the attorney representing me in the data breach. I also need copies of statements from all three accounts, the check and two credit accounts which include a Mastercard and XXXX XXXX.