davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I have disputed a reporting issue with a debt collector XXXX XXXX XXXX. They bought a debt from XXXX that they are reporting as a real estate mortgage secured loan. The loan reporting was a personal loan. Our house was foreclosed in XX/XX/XXXX they bought the debt in XX/XX/XXXX and havent updated the file on Experian since XX/XX/XXXX. The Lien on the house was released in XX/XX/XXXX and they bought an unsecured debt in XX/XX/XXXX. They are  reporting late payments for almost 3 years and have never contacted us and the required 5 day period after they bought the unsecured debt they did not notify us. I hired an attorney and I will attach the letter sent to XXXX XXXX XXXX. I have also notified Experian several times to no avail. They will only let XXXX XXXX XXXX change the reporting. I have never entered or had an ( XX/XX/XXXX as they did not do as they said they would and erase the erroneous info ) agreement with XXXX XXXX XXXX and have asked them to remove this erroneous account to deaf ears. They claim it is a mortgage and an installment loan and it is clearly not. I have sent the documentation including all deeds and XXXX XXXX County deed and sale records. XXXX XXXX XXXX is not listed. They are reporting this as a payment loan when it is simply a collection that they are illegally reporting as a mortgage. 
I am asking to have this account removed and placed as a collection. I entered a temporary payment agreement with them and promised by XXXX XXXX that they would erase the erroneous reporting and nothing was done. They actually updated the account to current and made our situation worse. Please delete this illegal account Ty
Consumer complaint received 2019-07-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

Hello, My credit report was pulled without my permission based on information from the monthbefore. I specifically told the person on the phone I did not want my credit run and then I received something in the mail stating they ran my credit a Second time around XX/XX/2019 and were trying to proceed. I only gave permission for it once in XXXX, which they did, and we did not want to proceed. Again I specifically stated I did NOT want my credit run. I'm not sure how to fix this problem and take it off credit report. We also want all personal information deleted from their accounts so they can do this again.
Consumer complaint received 2015-05-28
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Stallings Financial Group, Inc. (GA)

The company Stallings Financial Group has been harassing me and threatening me about a debt for a doctor that I visited. I explained to the person that I was going through financial hardships and that I was unable to make an arrangement at that time. I asked to speak to a supervisor and was told he was the supervisor. I have a very sick child and have lost my job due to budget cuts at my company. The supposed supervisor was extremely rude and belittling during our brief conversation and exhibited the worst customer service I have ever experienced.
Consumer complaint received 2018-05-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc. (NC)

I bought the car Contract Date : XXXX. XXXX XXXX XXXX I as the maturity date on the car is now showing XX/XX/XXXX due to consumer making non-requested extensions on this loan. Amount Financed : {$13000.00}. 

Per the company as of XX/XX/XXXX : Thank you for validating your account information. I wanted to reach out to you in reference to your concern about your account. Currently your payoff if paid today it will be {$10000.00} which this includes interest accrued of {$970.00} and your principal balance being {$9900.00}. You have currently paid {$110000.00} in interest and {$3100.00} has applied to principal balance. You are accruing daily interest on your account. I can send you a copy of your contract if you would like. 

SO I HAVE PAID OVER THE AMOUNT CONTRACTED BY NEARLY {$1100.00} AND THE COMPANY IS INDICATING I STILL OWE THEM AN ADDITIONAL {$10000.00}. OVER {$11000.00} WAS APPLIED TO INTEREST WHEN THE CAR WAS FINANCED AT {$13000.00}. TO PAY {$10000.00} PLUS THE {$8000.00} IN REPAIRS REQUIRED THATS OVER {$32000.00} ON A XXXX XXXX XXXX I WITH XXXX, XXXX MILES.
Consumer complaint received 2019-10-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I contacted SLS, the 2nd mortgage on my home & told them I was affected by the National Disaster of XX/XX/XXXX & XX/XX/XXXX, CA wildfires. I requested assistance, but received no reply. I then applied for assistance in XX/XX/XXXX/XX/XX/XXXX. My request was denied on XX/XX/XXXX, see attached letter, bc a payment w in the guidelines could not be calculated, HOWEVER, XXXX, the account rep for my loan told me on XX/XX/19, that no package was received & that my financials were not used in the review. This is upsetting bc how could it be properly reviewed. I resent the package along w the appeal of the denial on XX/XX/19- the deadline was XX/XX/19. I was waiting for the outcome & at the same time received a sale date for XX/XX/19. I resubmitted the attached package on XX/XX/19 & on XX/XX/19.
Consumer complaint received 2019-07-27
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. (TX)

My credit report had an account listed that are not mine..I disputed the accounts with the credit bureau as `` not mine '' but it recently came back as verified..I have never had an account with these companies..Please delete immediately before further harm is done..XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have 128 payment periods with certified employment under the TEPSLF/PSLF program. The XX/XX/XXXX  payment period put me at XXXX, that was when my loans should have been forgiven per the rules promulgated by the Department of Education. At that point, my credit report shoulod have been updated to reflect the balance due was {$0.00} that the loans had been forgiven because I am a XXXX XXXX That has yet to happen -- after 8 months. Because of this 8 month delay in updating the status of my student loans, I have had to pay more interest because of my " excessive unsecured debt '' all because the promises made by the Department of Education have not been kept.
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bright Capital Inc (MD)

Bright XXXX or Bright XXXX whatever they're called deducted {$99.00} from my checking account without authorization on XXXX and I have not been able to reach a real person for this company. The message when you call is automated. No one ever answers the phone or the chat, and when you call it tells you to reach out to them in the chat, which again, no one ever replies. I need my {$99.00} back, I did not authorize this charge nor have I even used the service I just downloaded the app and 2 weeks later they're charging be {$100.00}! And because of the charge I accrued a {$15.00} overdraft charge to my account that's {$110.00} this company has cost me for nothing!
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I called XXXX  today XXXX XXXX I spoke with an representative. I mention to him my rights under USC 1692 stating that I did not owe debt on my collection account. I also mentioned that this information was false and it was not my debt. The Representative pulled up my account and stated to me that the debt was verified as being mine. I mention to him according to USC1602a that I was an administering agent of my credit card ( SocialSecurity Card ) and that I do not own any debt attached to it. I also have to return this SS card at the SS Administration request.I mention to the representative to lookup USC18 A it will provide him the information I was giving him. He mention that the debt was verified. I mentioned to him that according to USC15 1681e to investigate a debt or verify they needed to do an investigation. They, never have investigated with any neighbors, friends and associates of mine the consumer. At this point he told me to hold on the phone i waited on the phone And he never returned. The phone went to another representative, and I explained the same to this respresentative he was very hostile towards me telling me that the debt was mine and thats why its on my report. I stated to him according to Usc1681b ( a ) According to written instructions, that I never gave Experian any written permission to furnish any information on my credit file. This agent placed me on hold then the called was dropped.
Consumer complaint received 2019-07-27
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. (MA)

These acounts and inquiries were found on my credit report : Accounts : XXXX XXXX XXXXXXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$570.00} XX/XX/XXXX Inquiries : XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-07-27
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)

These acounts and inquiries were found on my credit report : Accounts : XXXX XXXX  XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX Bank {$1100.00} XX/XX/XXXX XXXX Bank XXXX {$570.00} XX/XX/XXXX Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2019-07-27
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. (MA)

These acounts and inquiries were found on my credit report : Accounts : Worker 's XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX Bank {$1100.00} XX/XX/XXXX XXXX Bank XXXX {$570.00} XX/XX/XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On Sunday, XX/XX/2019 I went to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX. When attempting to start new service, the XXXX XXXX XXXX representative was gathering my information for my application and running my credit report. 

Upon the XXXX XXXX XXXX representative running my application, he received an error message to contact one of the bureaus. The representative then asked me " Have you ever been a victim of Identity theft? '' I informed the XXXX XXXX XXXX representative that I have never been a victim of identity theft. 

The XXXX XXXX XXXX representative did as requested calling the number and the representative on the other line stated my information on my drivers licence does not match my social. They informed the XXXX XXXX XXXX representative I have to contact the 3 credit bureaus. 

I first filed a police report Monday, XX/XX/2019 and when attempting to contact the 3 credit bureaus I was informed through the animated system I can not proceed as my information entered does not match my social. 

So what documentation do you need for me to confirm my very own identity so this doesn't happen again?
Consumer complaint received 2022-02-02
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: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I logged in the Citi Credit Card webside to review my transactions. I have pictures taken on XX/XX/XXXX which show my last statement balance as {$2900.00}. 

On XX/XX/XXXX, I called Citi customer service and disputed three charges ( 2 made on XX/XX/XXXX for {$39.00} and {$110.00} ) and another charge made on XX/XX/XXXX for {$39.00}. 

I did receive the credit for the XXXX charge, however, there is no credit for the XXXX charges. In the statements it looks like Citi credited the account, however, the credit does not show up anywhere. 

On XX/XX/XXXX, I called Citi three times and the dispute representative insisted that the credit for the month of XXXX was given, however, he could not explain why the last statement balance for XXXX remained the same even after the dispute was filed. The statement balance on XX/XX/XXXX was {$2900.00}. The dispute was filed on XX/XX/XXXX. 
The statement balance calculated and provided by the City representative TODAY also {$2900.00}. Where is the credit for the dispute charges made on XX/XX/XXXX? 
The representative stated that he could not answer any more of my questions so he transferred me to his supervisor XXXX who hang up the phone shortly after receiving the call. 

I would appreciate your assistance in addressing the lack of credit given that the dispute was filed and reflected in the statement, however, the statement balance remained the same for the XXXX period.
Consumer complaint received 2022-01-12
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. (OH)

My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX My personal information, SS XXXX XXXX XXXX. I was just made aware of a fraudulent loan that was taken out under my name and credentials without my knowledge or permission. I have never done any business with a XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX ). I am disputing this under the Federal Law FRCA 605b. I have contacted the XXXX Police and the FTC and filed complaints.
Consumer complaint received 2023-08-20
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: SYNCHRONY FINANCIAL (CO)

Synchrony bank. 
I disputed a transaction with XXXX for around {$1000.00}. 
This was around XX/XX/2020. 

XXXX did not transfer ownership to me and then took the vehicle. Vehicle was returned to XXXX and synchrony did not investigate the dispute.
Consumer complaint received 2021-07-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants' Credit Guide Company (TX)

I have previously request a validation of debt with this company for four accounts that are negatively reporting on my credit report. File number # XXXX, # XXXX, # XXXX, and # XXXX. I requested very specific validation which this company has failed to meet the request. They have also responded with a detailed billing statement that had a detailed list of procedures performed. Not only did this company fail to prove that I am the indeed party that owes this debt, They have also violated Hipaa with even having access to someone's medical history without a signed medical release form.
Consumer complaint received 2021-06-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company (NC)

Entered into a repayment agreement with initial down payment of {$2000.00} made XX/XX/XXXX. Received no written documentation of verbally agreed upon plan. Missed two payments on plan due to XXXX treatment of husband, but company continued to accept payment of verbally agreed upon plan. Initially spoke with XXXX on XX/XX/XXXX. He advised XXXX in loss mitigation was my assigned representative, but her hours were only XXXX Mon-Fri. Finally spoke with XXXX and went over entire payment history for the past 18 months. Per bank statements, we concluded the verbally agreed upon payments of {$1100.00} were not made for XX/XX/XXXX and XX/XX/XXXX, which would have left the remaining balance of the plan to be {$2300.00}. XXXX with Statebridge insisted the total amount due at the end of plan was {$3700.00}, but was unable to explain why. Statebridge had established an escrow account, although proof of insurance was provided to third party company XXXX as soon as they received knowledge of lapse of insurance. Even still, Statebridge is charging insurance via an escrow account. We went to pay XXXX property taxes, however Statebridge had already made the payment, even though they were not yet due. It was requested that Statebridge extend the existing plan and XXXX stated that would require management approval. We never received a response from XXXX or her management regarding our request for clarification of total amount due and extension of plan. Moving forward, Statebridge refused to accept payment on the account. My husband recently had an XXXX  XXXX to remove a new XXXX XXXX XXXX XXXX XXXXXXXX. Naturally, my energy has been spent caring for him. Additional financial hardship was experienced due to the global pandemic, as we cared for our grandson while he was recovering from XXXX. We recently received a letter from XXXX XXXX XXXX XXXX located in XXXX XXXX, Georgia and a letter of notice of hearing regarding foreclosure action on XX/XX/XXXX. We have made several attempts to get in touch with Statebridge via telephone to only be left on hold for hours at a time, and then disconnected due to service issues, with no one ever answering the phone or returning our calls. Information found on website is sorely lacking, leaving us bewildered to resolution.
Consumer complaint received 2022-06-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

They do not have my legal name on there it is a different name my name is XXXX XXXX XXXX and they have XXXX XXXX XXXX and two other names that don't know who they are. 
And I've also had my wallet stolen withy identification and social security number I also made a case with the social security administrative Office already
Consumer complaint received 2019-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Shellpoint Mortgage and XXXX  XXXX XXXX continue to push the envelope attempting to defraud the consumer. 
Shellpoint Mortgage continues to state XXXX XXXXXXXX XXXX assessed the disputed charges of {$2500.00} in XX/XX/XXXX. I have attached copies of our account history and the transactions posted history neither of which supports Shellpoint Mortgages claim. Shellpoint Mortgage assessed those charges to our account subsequent to XX/XX/XXXX which is the date they purchased and transferred our mortgage. 
Weve been told this is a Forbearance Fee, recording fees, filing fees, late fees and inspection fees, etc.. This is just another indication they are attempting to defraud us. 
Shellpoint Mortgage continues to tell us this is a non-interest bearing fee and has no impact on our account. However on XX/XX/XXXX they sent us a NOTICE OF DAFAULT AND INTENT TO ACCELERATE. On XXXX XXXX our XXXX payment and the disputed amount of {$2500.00} was outstanding. Weve been told these fees are not considered past due and will not trigger a default. 
We should not have to hire an attorney at our expense to defend ourselves against blatant attempts to defraud us and take our home.
Consumer complaint received 2015-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (TN)

I have been asking for my mortgage company : Ocwen Loan Servicing ( Loan Depot, Loan Depot Escrow ), to send me a complete copy of the closing documents and to validate their escrow analysis as it is incorrect. They have not provided any information despite my follow-up requests since XXXX 2015.
Consumer complaint received 2023-04-04
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: Credit Karma (TX)

On the XXXX of XXXX I went to my local branch to enquire in Good Faith. For a line of credit lone to help with personal use for a opportunity to help for education to help leave a family legacy. With all that I have been needing to accomplish, this was the final piece to the puzzle. My brighter future as CONSUMER to pull myself up buy my boot striped and achieve the American Dream. But unpronounced to me that dream would be burned to the ground by a fictitious report that should not. Hold any bearing of my character. The company that I would be working for is a dream for me to have because it would allow for all of my needs to be met.I have been discriminated against feeling the loss of HOPE as a single XXXX mother in this Heartless world of Thieves. There responds was well over 30 days and it's no wonder why because they only believe FALSE CLAIMS against people that a CRA reports with out any significant or consent.. This is a crime and whoever they are that have committed this crime I need CONSUMER justice.