davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

several years ago I was admitted to XXXX XXXX in XXXX. There was a balance which was sent to collections at that time. since then, the same balance is listed by more than XXXX collection agency and keeps being renewed although this was I believe 2009.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have REPEATEDLY complained to Transunion and even placed a fraud alert on my account. They continue releasing my credit report without my authorization or these people meeting the fair use requirement. They refuse to remove these inquiries. They are as follows. 
I am disputing the following inquiries on my TransUnion Report FILE NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX
Consumer complaint received 2017-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

We are behind on our mortgage with carrington mortgage service because of following what  XXXX  told us to do when we were doing  s  modification with  XXXX  (  XXXX  had told us not to make a payment while they were doing the modification ) during that time our home was hit by a major hail storm.   Insurance put carrington & is on the insurance check.   Carrington has our funds that we need to fix our home & will not release them.   We have done everything that they want us to do, but every time when we 've done that they change the rules.   Currently we are trying to get our home painted. Did everything they asked but now carrington is telling us that we have to hire a licensed contractor to paint it.   No painting company is licensed! & by telling us to hire a contractor that is licensed the painter will be a sub & it will add thousands to the cost, that carrington say we will have to pay!   I believe what they 're doing is no different than what  XXXX  did!   By forcing us to pay thousands extra we ca n't catch up on our mortgage!   They are doing this to hundreds possibly thousands of people! Forcing them to go into foreclosure
Consumer complaint received 2016-02-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (IL)

I received a notice in the mail that I missed the XXXX 2016 payment on my mortgage from Chase Bank. When I went to the Chase online Bill Pay center to pay my mortgage, the system populated with the following choices : monthly amount due, late fee, additional principal, additional escrow/shortage. Nowhere was there a choice to pay the missed payment, nor an indication that I actually owed two monthly payments. So, I paid the " monthly amount due '' and the stated late fee in XXXX, 2016. Then, I received another notice, stating that I missed my XXXX, 2016 monthly payment and assessing another late fee. 

I believe the Chase Online Bill Pay system is deceptive and resulted in me incurring additional late fees that I should n't have incurred. I now have put through several monthly payments, along with XXXX {$120.00} late fees. That is wrong, particularly for a customer who consistently pays her mortgage on time and simply missed XXXX bill in the mail at the end of the year.
Consumer complaint received 2017-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc. (CA)

I have never had the service of XXXX XXXX. I have now called them twice and verified that fact through my social security adresss and DOB. This is an odvious result of my ongoing ID theft issue.
Consumer complaint received 2016-04-06
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: First Associates Loan Servicing LLC (IN)

I went to XXXX for my education, and the cost was so high that when a federal loan would n't cover the cost XXXX used a company by the name of PEAK Loan which runs a 13 % interest rate.
Consumer complaint received 2015-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

From XXXX the alleged interest rate was 4.5 % and from XX/XX/XXXX-Present the interest rate is 6.5 %. I would like to see the documentation to support the interest variance. My alleged original principle balance was {$640000.00} and is currently {$640000.00}. I would like to see documentation as to why this amount has increased. There is a reinstatement quote dated XXXX/XXXX/15 which is a breakdown of the alleged amount of {$68000.00} alleged interest due of {$170000.00}, alleged escrow amount of {$210000.00}. I would like to see the breakdown report to support each XXXX of these charges.
Consumer complaint received 2024-02-27
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: TRANSWORLD SYSTEMS INC (CA)

How XX/XX/XXXX at XXXX XXXX XXXX I have lived in California for almost 20 years. I received the call from Transworld Systems Incorporated. 

I haven never done business with this company and downy know why they are calling. 

The phone number they called from XXXX ( XXXX ) XXXX.
Consumer complaint received 2020-06-20
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: DHI Mortgage Company (FL)

XX/XX/2020-started our mortgage process with DR Horton XXXX XXXX - applying for a va loan ( husband is XXXX XXXX military ) -our anticipated closing date is XX/XX/2020 XX/XX/2020- refinanced one of our vehicles to help with our debt to income ratios. $ XXXX/month to $ XXXX/month. In addition pay off a small credit card balance. Done. 
-At this point things seem to run smoothly Communication between all parties have been flowing. 
XX/XX/2020- Confirming documents, asked clarification for student loan debt ( {$4600.00} ) if it will affect our mortgage approval. Our loan team said no. 
XX/XX/2020-Our closing disclosures have been signed and sent back to the loan officers we are waiting further instructions regarding closing day details. 
XX/XX/2020- Our loan officer called us saying we need to pay off the student loan listed above. 2 days prior to our closing date. At this point I think they were forcing a scar tactic on us to just walk away. However they said the VA underwriter flipped our loan from approval to conditional due to this one debt not being payed off. In the email they sent us was to create a money order for {$5.00} to pay off the student debt. Obviously this amount doesnt match the loan amount above. Due to this new requirement for us to close they insisted we bring our form of payment to the close on XX/XX/XXXX. 
Between XX/XX/XXXX-XX/XX/XXXX We were not given new closing disclosures to sign and send back. 
XX/XX/2020- I wrote the loan team back asking for new disclosures to review the closing amount. 
XX/XX/2020-Loan teams response was they couldnt send them out to us by the end of the business day. 
XX/XX/2020- Our loan was approved again. Still no new disclosures and were told to bring a check to closing to cover the debt. The loan company will write their own check to the student loan company and pay it off.XX/XX/2020-Closed on our home. We brought a cashiers check for {$4700.00} to the loan company. Given a check back for the remaining balance was not used for {$730.00}.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

I disputed the following collection accounts below directly with Experian twice and with XXXX XXXX XXXX. All three times, my disputes were ignored and a proper investigation was not complete. This leads me to believe the accounts are not mine. I even submitted this same dispute to XXXX and the accounts were deleted no problem and attached a copy of them being deleted from XXXX as proof. I also included my dispute letters to Experian and to XXXX. 

XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX ....
Consumer complaint received 2024-02-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MD)

All three credit bureau informed that I had a new collection with JEFFERSON CAPITAL SYS XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX in the amount of {$350.00} opened XX/XX/2023. XXXX has gone out of business over 5 years ago. I do not have any account with XXXX. 
I called and asked who the original creditor was and lady refused to give information. She asked for a credit card to pay some fee. I said no. I continued to ask the lady about the false information. She put me hold and then hung up.
Consumer complaint received 2017-04-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC (FL)

After reviewing a copy of my credit report, I noticed multiple collections account placed on my credit report from your company IMC Credit Services LLC from 2014.. I am requesting that you let me validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name, and the hospital /medical provider to which I owe the debt and a detailed breakdown of the fees that I allegedly owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act { HIPAA }, to protect my privacy and medical records from third parties. I did not give my permission to any of my current or prior medical providers to release my medical to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with patient authorization. Therefor, my request is twofold-validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Also, please provide proof of identification upon treatment, and my signature with the provider of service to release my information to your company IMC Credit Services LLC. Cease any credit bureau reporting until this debt Is validated by me.
Consumer complaint received 2015-07-22
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Direct Recovery Services, LLC (FL)

XXXX XXXX calling neighbors that I do n't know and informing them that they are FBI and to contact the immediately about a debt I have. I noticed other complaints online from that name/number, that they are Direct Recovery ServicesXXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX
Consumer complaint received 2017-05-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (TX)

XXXX    XXXX   XXXX  purchased brand new with financing total came to {$29000.00}. I paid over  25  payments at {$670.00} and I had  3  deferred payments totaling  6  payments transferred to end of loan. Last year my car was hit and considered total loss, I had GAP insurance that paid {$5500.00} and my insurance made 2 payments of {$2300.00} + {$8200.00}. The finance company is saying I have a balance of {$9400.00} and it 's actually showing more than that because they are adding interest to it due to me not being able to financially make payments
Consumer complaint received 2020-01-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I WAS TOLD THAT THIS ACCOUNT WAS GOING TO BE REMOVED FROM PRA! Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it. Yes, if it has been 30 days since the final payment resolving your account successfully posted, PRA requested the credit reporting agencies delete the PRA tradeline related to your account from your credit bureau report.
Consumer complaint received 2017-03-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (FL)

Ok I Submitted a Dispute to Experian about the Misreporting they have on my Credit Report. I filed Bankruptcy XX/XX/XXXX and Finalized By US Bankruptcy Court XX/XX/XXXX. 
They continued to report Negative payments prior to these dates. The penalized me for them Via FICO score. The only reason I filed Bankruptcy is I was unemployed for 2-3 years because of the Recession XX/XX/XXXX. I even took out Loans during that time, managed to pay them in Full, Never late as shown on Attached Dcouments. They also show me at an Address of residence at XXXX XXXX XXXX XXXX XXXX XXXX which is the Address of My Bankruptcy Attorney in XXXX Florida. 
They do not even indicate my Current employer where I have been working and employed as a Fulltime employee since XX/XX/XXXX. see XXXX attached and Experian docs Misreport attached. 
Thank You I just hope you can help. 
XXXX XXXX
Consumer complaint received 2021-06-04
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. (DE)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

I contacted EQUIFAX last month to have this account removed from my credit report as I already paid it off. I received an email back from them shortly after stating that debt was valid and it belonged to me ( which I was never disputing ) all I asked was that it be removed as I paid if in full already. I call EQUIFAX back today XX/XX/XXXX and asked why have n't the item been removed from my credit report yet? The guy was VERY rude and unprofessional. Instead of answering my questions he remained silent on the line for almost 3mins before hanging up.
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

I have a chapter XXXX bankruptcy that I filed in XXXX of XXXX. I finished filing in the start of XXXX but decided I was going to pay the creditors myself instead of going through with the chapter XXXX. On several occasion I have called equifax they stated that they were deleing my chapter XXXX and it would reflect on my credit report within 30 days but when the 30 days came up it was still not deleted. I even discussed this with a supervisor who stated that it should only take 24/48 hours and it still was not deleted. I was told that the chapter XXXX was supposed to be deleted 7-10 years from when I filed and it has been over 10 years. I would like the chapter XXXX deleted from my credit report.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX I made an overpayment on my credit card, the amount was {$11000.00}, and immediately, Capital One restricted my account because of that payment. They requested I send them a picture of my id card and a utility bill, which I immediately provided. I was then told I would have to wait 1-10 business days so they could review it and they would call me. Two full weeks later, I called them back and was told they had not reviewed my documents and that they would call. No one ever called and amazingly, card was operational and the payment applied to my account.. used my card and on the same day I noticed a fraudulent charge online from Ikea was made on XXXX XXXX. I immediately locked the card and reported the fraudulent charge. On XX/XX/XXXX, another payment was mistakenly sent into my account for the same amount, I have since corrected this error so no further automatic payments will be made to Capital One. I again contacted customer service because my account is restricted again since that date, they removed the payment from XXXX, tentatively credited the XXXX payment but the statement says that I have over XXXX on the card over my credit limit, but also I owe them a payment of {$430.00} on XX/XX/XXXX and because I didnt make the payment, I now owe an additional {$30.00} late payment fee. I have made numerous calls to Capital One over this issue but now going into 3 months now and they have been sitting on my money and will not refund it or credit my account, all while using my money interest free. I have been with Capital One for over 20 years and up until now have never had a problem with them.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

I have noticed XXXX accounts on my credit report that I am un aware of. 
XXXX XXXX and XXXX. I have tried to contact these companies by the address listed on the report for debt validation and have gotten no response. I would like Equifax to investigate and provide me with documentation they receive.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

My plant is with Equifax Equifax is not following fcra regulations they claim that my credit file has split into two different credit files and it makes it very challenging to obtain the correct information I advise on numerous occasions that there is incorrect information on my credit report I 've sent documentation and they 're requesting documentation over and over again it is extremely frustrating
Consumer complaint received 2016-03-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After a plethora, and nearly years of arguing with Transunion, they finally accepted my multiple police reports, FBI complaints, Texas AG complaints, and FTC ID Theft document and blocked all the fraud accounts. I checked my monthly report only to find one of the most nefarious of all FRAUDULENT ACCOUNTS BEING REPORTED, XXXX XXXX WITH A BALANCE OF XXXX According to the credit reports I have saved over the years of this nightmare with Trans Union this account was blocked 9 months ago. I never received any word that it was reinserted, at this juncture its illegal for them to have done so without informing me but more egregious is the fact the account is BONA FIDE FRAUD.
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

My spouse and I are a victim of UNFAIR credit reporting practices. Credit report agency was NOT able to throughly review the documented proof, did not review, did not properly investigate and did not provide valid poof on my request. All my documents attached show very clear proof that this was UNFAIR practice on my family but they have not provided even a single document supporting & justifying the collection account.