davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AZ)

I received the results of my dispute ( Confirmation # XXXX ), and Equifax allegedly 'verified ' that trade line XXXX XXXX XXXX belongs to me. I complained against XXXX XXXX in CFPB Case No. XXXX. I also sent XXXX XXXX a FACTA request, which it received on XXXX/XXXX/2016. I demanded XXXX XXXX produce the exact contract for debt that I allegedly signed. It is now XXXX/XXXX/2016, and I have not received such proof. If no proof exists, Equifax needs to delete this trade line immediately, as the Fair Credit Reporting Act ( FCRA ) does not permit reporting of accounts without proof.
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

Multiple debts reporting twice on my report which arent mine of which are hospital bills Collection from Credit Bureau XXXX Original Creditor : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX Collection from Credit Bureau XXXX XXXX Creditor : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX Collection from Debt Recovery Solutions Original Creditor : XXXX XXXX XXXX Phys XXXX Opened : XX/XX/XXXX Balance : XXXX Collection from Debt Recovery Solutions Original Creditor : XXXX XXXX XXXX XXXX  XXXX Opened : XXXX XXXX, XXXX Balance : XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2020-02-10
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Onity Group Inc. (MI)

In XXXX of 2019 a mortgage was taken out in my name with PHH. I have never applied for a mortgage or refinance from this company. It would appear that my stepfather has taken this loan out in my name. I have never authorized or signed any documents pertaining to this loan. I have never spoken to anyone from this company and had it not been for my credit report, I would not have known that this loan existed. I can't find the loan number to even inquire about this loan. I can only find it by using my social security number and my stepfather 's address. Because of this, no one will speak to me regarding this loan.
Consumer complaint received 2020-02-10
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: EQUIFAX, INC. (NC)

Unknown inquiry from the company " XXXX XXXX '' on the date of XX/XX/2019, they have no proof of permissable purpose without a signature.
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (PA)

I opened this card to take advantage of a 0.00 % interest of a balance transfer. Any other purchases outside of this transfer amount I understand, is subject to the 22 % interest as a " standard purchase. '' On XXXX I made a {$1000.00} standard purchase and on the same day made a {$1000.00} payment to go against that. The following statements show that my standard purchase balance that is subject to interest is much higher than it should be. Citi applied my {$1000.00} payment against the 0.00 % balance transfer amount and I am now being charged interest again a standard purchase balance I've already paid for. 

When calling Citi I advised that my balance subject to interest ( standard purchase ) is over by {$1000.00} and that the {$1000.00} purchase I made was paid for the same day I made the purchase. The rep on the phone even advised me that when a payment is made it is allocated to whatever balance has the highest APR. What they are doing is benefiting on more interest by taking the {$1000.00} purchase I made an putting it towards the Standard purchase balance that is subject to all the interest accrued. 

Citi refused to fix this and stated that to avoid getting interest I should stop using the card.
Consumer complaint received 2020-02-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

On XX/XX/XXXX, I mailed my XXXX School tax bill for my VA mortgage to PHH Mortgages Services for them to pay the tax bill in the discount period ( in the amount of {$1000.00} ) from my required escrow account. The payment was due on or before XX/XX/XXXX. 

On XX/XX/XXXX, the mortgage servicing on the loan was sold to XXXX XXXX  XXXX. 

On XX/XX/XXXX, I was notified by my county tax claim bureau that the XXXX tax bill was never paid by PHH Mortgage Services and now was delinquent and additional penalties, interest and fees were now due ( the new bill is now due in the amount of {$1100.00} ). 

I immediately contacted PHH Mortgage Services and asked why the bill had not been paid and complained that due to their failure to properly service the loan, additional penalties, interest and fees were now due, in the amount of {$150.00}. The response from PHH Mortgage Services customer service person was that they no longer serviced the loan and they had no responsibility for anything. 

I pointed out that due to their failure to properly service the loan, I was being financially penalized. As a XXXX, XXXX veteran, the {$150.00} penalty is something that I can ill afford. They told me to contact the new servicer, XXXX XXXX  XXXX. However, XXXX XXXX   XXXX did not service the loan at that time and they did not pay the bill either. 

PHH Mortgage Services refuses to take any responsibility for their fiduciary responsibility failure and I am being financially penalized for their incompetence. The {$150.00} should be paid by PHH Mortgage Services as the bill had been presented to them in a timely manner for it to be paid.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (CA)

Good afternoon, I have a closed account on my credit report, from COMENITY BANK/VCTRSSEC which was closed in XXXX, however, my credit report shows that it was closed in XXXX, which is not true. Is there any way the date can be corrected or this incorrect account be removed from my credit report as it is older than the date shown? thank you - XXXX
Consumer complaint received 2020-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CA)

My employer has received several calls from Navient on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I sent them a Cease and Desist letter on XX/XX/2020 making it clear that I should be the only person contacted in regards to my debt and they did not follow through.
Consumer complaint received 2020-02-10
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: Experian Information Solutions Inc. (WA)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-10
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. (WA)

XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-04-16
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)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX.
Consumer complaint received 2017-05-31
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. (NY)

I charged {$5900.00} on my Citibank credit card in  XXXX   XXXX . I disputed the amount on or about  XXXX   XXXX . The disputed amount was credited to my account in or about  XXXX   XXXX . Then in or about  XXXX  of  XXXX  my credit card was charged once again for the disputed amount, with no written explanation as to why my card was recharged.   As result of my complain to CFP B, Citibank replied in pertinent part : " When a disputed charge occurs, Citibank as the issuing bank of your credit card can intervene on your behalf and request a credit from the merchant 's bank. Bec ause you did not follow the steps for a full refund, and the merchant has refused our request for a credit, we have no further recourse to assist. Based on this, the {$5900.00} conditional credit, issued on  XXXX   XXXX ,  XXXX , was reversed and appeared on your  XXXX   XXXX  statement. At this time, we must consider the charge to be valid and you will need to contact the merchant directly to pursue this matter. '' In response to  Citibank  explanation I contacted  XXXX   XXXX , the  Citibank repre sentative who ostensibly authored the response, and inquired why the investigation took more than 90 days to complete.  XXXX   XXXX  replied that an arbitration was conducted on my behalf, which he said Citibank had lost the case. At this time, I asked for a copy of the arbitration outcome. He said he would find out and give it to me. On about  XXXX   XXXX  in response to my attorney 's letter, dated  XXXX   XXXX ,  XXXX , he verbally explained he could not release the arbitration document to my attorney without a subpoena.
Consumer complaint received 2016-09-04
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: First Direct Lending, LLC (AZ)

I received a unsolicited document from First Direct Lending. It was titled Direct funding issuance, and the header had a fake seal of the state of Arizona and the words ACTUAL DOCUMENT and MATTER KNOWN. The reverse of the document shows bold letters saying FINAL NOTICE and REVIEW ATTACHMENTS. The fake Arizona seal again appears on the back of the document.
Consumer complaint received 2020-02-10
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. (GA)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason, I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, USDOE/XXXX. There are also some inquiries that are not mine AN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I have contacted the FTC and the Georgia police.
Consumer complaint received 2020-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason, I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, USDOE/XXXX. There are also some inquiries that are not mine AN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I have contacted the FTC and the Georgia police.
Consumer complaint received 2020-02-10
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. (AL)

I've been disputing the status, amount, dates of an account listed on my TransUnion credit report for months and TransUnion continues to claim that the account is valid without providing me information that they have that proves what they claim to be true. I sent TransUnion yet another dispute letter this time I included a screenshot of all my student loans listed on the NSLDS ( National Student Loan Data System ). I also included the screenshot to prove that there is no loan reporting on XX/XX/2009 from the University of XXXX XXXX. TransUnion has completely ignored my letter and proof and still is reporting the account on my report after I've sent in proof. This is absurd. Its the credit bureaus job to ensure nothing but accurate information is on the consumers report so I'm in complete shock that after I've provided the company with proof they fail to do what they are getting paid to do. Please DELETE the account from my credit report.
Consumer complaint received 2020-02-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: GATEWAY FIRST BANK (NY)

On XX/XX/XXXX I purchased my first property located in XXXX, New Jersey. This is a 4-unit residential property, with 2 bedrooms in each apartment. The mortgage company is Gateway Mortgage and my account/loan number is XXXX. The purchase price of the property was {$360000.00} plus {$25000.00} for renovations as this loan is an FHA 203k Loan. The total loan amount at closing was {$380000.00}. My monthly mortgage payments are {$3200.00}. The payments started in XX/XX/XXXX and I began to make the payments without any rental income. I anticipated between {$1200.00} to {$1500.00} per unit from three ( 3 ) units and I intended to reside in the fourth unit. 
Since XX/XX/XXXX no renovations have been done on the property. I began making payments in XX/XX/XXXX and made my last payment XX/XX/XXXX. I exhausted approximately {$15000.00} from my savings account to maintain the payments. As of now, my loan account is delinquent and I am facing foreclosure. No renovations have been done because the real and actual cost of the renovations to make the property livable is approximately {$60000.00} to {$100000.00} and not {$25000.00} which was allotted by the mortgage company. I have thus far received estimates from six different contractors who all thoroughly walked through the property and provided an evaluation. They all stated that the property needs, at minimum, {$70000.00} in renovations. 
My complaint is that Gateway Mortgage and the Realtor and the General contractor committed multiple counts of mortgage fraud and violated HUD/FHA guidelines. 
1. The contractor never conducted an actual walk-through prior to closing which was sanctioned by Mr.XXXX. On the contrary, Gateway Mortgage closed on this loan stating that the contractor conducted a walk-through. He only saw the property once, with me, after closing. It was then that he stated that {$25000.00} was not enough to cover the renovations. Gateway Mortgage fraudulently processed my 203k loan because they claimed that this write up was conducted by a contractor and it was not. 
2. I was told by my realtor that a Certified HUD Consultant was required to view the property and submit a separate write up for renovations. After I submitted the HUD Consultant write-up to Gateway ( before closing ), I was told by the loan processor that the HUD Consultants write up was not necessary. I only recently learned that if the renovations do not exceed {$30000.00}, that a HUD Consultant is not needed. Again, the Realtor and Gateway Mortgage violated FHA 203k loan guidelines by purposely keeping the cost of renovations under {$30000.00} to avoid a HUD Consultants involvement and oversight. Gateway Mortgage pushed this loan through in order to maximize that selling price and to minimize that cost of renovations in the paperwork and closing documents.
Consumer complaint received 2020-02-10
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: EQUIFAX, INC. (WA)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

In XX/XX/XXXX, I was in a car accident and the other person 's insurance was responsible for repairing my vehicle. They offered a total buyout on the vehicle, which I accepted in XXXX. 

I have been trying to replace the vehicle by applying for an auto loan pre-approval through XXXX ( my primary bank ). XXXX uses an automated service to interface with Experian. I have completed steps to submit my information for pre-approval through XXXX multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), and every single time the pre-approval is declined with an error message reading, " Unable to verify applicant 's identity. '' Surprisingly, each time this happens, these inquiries have also been reflected on my credit score ( even though my identity apparently can not be confirmed ). 

I have spoken with both XXXX and Experian multiple times concerning this issue, with conversations and hold time adding up to multiple hours each time. ( XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) ( Experian : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) Every time I have called one of these companies, I have been told that there is no error on their end and that it must be with the other. I was also told it could be due to my legal name change ( which I brought up ) from more than four years ago, or due to a recent move ( XX/XX/XXXX ). However, I have verified and re-verified every last shred of personal information possible with both organizations and have all addresses listed from the last 7 years of my life and I still can not get pre-approved for an auto loan. I've been without a car for over a month.
Consumer complaint received 2020-02-10
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. (MI)

I don't know this account. I never opened this student loan. The company claimed it was from California. I have never lived there and did not take this loan out. I do not owe this debt. 
Experian is the only company showing I owe this debt and they would not help me either.
Consumer complaint received 2021-02-17
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am having Random drops in my credit score! I have nothing change except paying off credit cards and my score will drop in upwards of XXXX points in a day. I realize that I do have some bad marks on my credit but the three agencies, who all use FICO 8, have the exact same information on them. I pay to monitor my credit daily. The variation between XXXX XXXX and XXXX XXXX is very large. I have no issues with XXXX as my score does not dramatically change. However, I would like to log a formal complaint against the other two companies, Transunion and XXXX. I have called them around XX/XX/2020 and have asked them to explain with the changes when there are no significant changes to my credit report and they say they cant. Now it is happening again with XXXX. In addition, when I ask them to look up the history they can not. I subscribe to each of there services to monitor. I think these are unfair practices as they cant explain their algorithm and do not keep history for accountability in scores.
Consumer complaint received 2016-02-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (FL)

The Sears card billing was sold or transferred to Citibank collection They called over 10 time in one day. The problem is that they sent the bill to a XXXX XXXX XXXX this has happen about six time in past and they have billed me four times the amount of what is the monthly payment {$4300.00} which I have been paying on time for over 12 years or more with the same address for billing for over 12 years. They changed the address to be able to collect late charges it has happen so many time before and I have paid the late charges. This is a crime with all the intent to defraud the consumer .I have spoken to them and asked why did they Sears or Citibank change my address without my permission. My address for the last 12 years has been XXXX XXXX XXXX XXXX Florida XXXX same phone number XXXX XXXX which has been in their files for over 12 years. I am asking for an Federal Investigation and a Postal inspectors for mail Fraud using the US Mail service to commit a Crime. This problem I am sure is happing to other consumer we need and demand you to Investigate this matter.My husband is XXXX.