davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (UT)

On XX/XX/2021, my employer received a call on my behalf from IQ Data International, during this phone they stated they were attempting to collect a debt, and explained the alleged debt owed, I explained that I was not sure I owed the debt and even if I did, I wouldnt have the finances to pay it right now. At that point the representative stated if I did not find a way to pay this, he knew where I worked, and could make life very difficult for me as I am in the military, I asked him if he was threatening me and he stated he was just letting me know what he could do. I told him I wanted to work this out, at that point he said hed get someone else on the line. He then transferred the call to his manager. When she got on the phone she started yelling immediately, I told her she was contacting me on a goverment line and needed to contact me on my personal phone from now on, she then stated good now that I know you work in the government I will contact all of your higher ups and keep calling your job until its paid. She then started giving me payment options, at this point I had to return to work so I told them Id call back. At lunch I called back to try to discuss getting a debt validation letter, and he said he couldnt do that but could go over the charges with me and started going through them. I told him I dont have money for this debt and I cant pay it if I dont know I owe it. And he told me I needed to use a family members credit card, or max out my cards, or do whatever it takes to pay this, otherwise hed put this on my credit and it would make life very hard for me. I told him Id need time to figure something out. 
I later called them back, after consulting with an attorney. And asked XXXX XXXX with IQ, if he could please just send me a debt validation letter. And he began asking me why, said he could go over all the charges with me, said it was wasting time, and asked if I would agree to pay the debt if he sent a letter. I said no because Im unsure I owe the debt, and would like to verify it. At this point he said he was done dealing with me and was sending it to collections so I needed to speak with his manager. She came back on the line and asked why I wanted a debt validation letter, I stated it was because it was my right, and I wanted to make this work but idk if I actually owe it, at this point she started screaming and saying I was stalling, I was being as polite as possible and she just kept yelling about how I wasted her time and she was putting this in my credit immediately and now I wont be able to buy a house and shed make sure my job knew about it. I requested all communications be in writing and through me, and she said no shed be calling them today. I recorded the entire call, and have detailed proof of their threats and refusal to validate the debt and send communications in writing and cease contacting my employer. The file is larger than 10 mb, and will not let me upload, but I am happy to email it.
Consumer complaint received 2018-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Back in XX/XX/XXXX I was late on my mortgage payments which is a Making Home Affordable Modified loan as of XX/XX/XXXX. The investor is XXXX XXXX. I received a Notice of Default in XX/XX/XXXX. I was given 90 days to reinstate my loan before a sale date to be assigned. I was able to reinstate my loan on XX/XX/XXXX. 
I contacted the trustee who filed the notice of default XXXX XXXX XXXX the Foreclosure Manager several times during the month of XX/XX/XXXX to make arrangement for the total payment to reinstate my loan. On XX/XX/XXXX Ms. XXXX calculated the attorney fees and foreclosure fees and told me because of XXXX XXXX guidelines there will be no other charges after I pay the total amount to reinstate my loan. On XX/XX/XXXX I paid {$20000.00} which included {$670.00} foreclosure and filing fee to reinstate my loan. On XX/XX/XXXX There was a notice of rescission filed in XXXX XXXX County recorder office. 
SLS has charged me additional below fees with no explanation XX/XX/XXXX {$29.00} Fee Billed XX/XX/XXXX {$440.00} Fee Billed XX/XX/XXXX {$24.00} Fee Billed XX/XX/XXXX {$17.00} Fee Billed XX/XX/XXXX {$93.00} Fee Billed XX/XX/XXXX {$440.00} Fee Billed I have asked SLS for explanation of these charges and they say is part of foreclosure charges which i paid when I reinstated my loan in XX/XX/XXXX. They are not reversing this charges or show me any proof for these charges.
Consumer complaint received 2018-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (DE)

A medical debt in the total of XXXX was attempted by another collection XXXX XXXX XXXX, I have brought this up to the credit bureau and have a letter from XXXX stating this was removed and would not return back on XX/XX/2017. This debt has already been removed from my credit and now has been somehow sold to another company Transworld systems. I do not want to go back through the process of taking this back to the credit bureau. Please remove as it should have been removed permanently. If need be I can provide the letter. 

Thank you
Consumer complaint received 2022-04-27
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. (MI)

As of XX/XX/XXXX, there are multiple unauthorized inquiries and derogatory/collection accounts reported to my credit. Here are the following ; as of XXXX there is a collection that is derogatory of {$0.00} reporting to my credit from XXXX XXXX XXXX XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX there is an unauthorized inquiry for a loan reporting to my credit XXXX XXXX original creditor XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX there is an unauthorized inquiry for an auto loan to my credit from XXXX XXXX XXXX original creditor is XXXX XXXXXXXX. Multiple attempts have been made for removal. As XX/XX/XXXX there is an unauthorized inquiry for an auto loan from XXXX XXXX original creditor is XXXX XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX, there is an unauthorized inquiry for an auto loan from XXXX XXXX XXXXXXXX original creditor is XXXX XXXX XXXX. Multiple attempts for removal have been made. As of XX/XX/XXXX an unauthorized inquiry was made for an auto loan from XXXX XXXX XXXX original creditor is XXXX XXXX XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX there is an unauthorized inquiry made for an auto loan from XXXX. Multiple attempts for removal have been made. As of XX/XX/XXXX there is an unauthorized inquiry for an auto loan from XXXX XXXX XXXX. Multiple attempts have been made for removal.
Consumer complaint received 2021-05-06
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 — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (NC)

I have received a copy of my credit report and it shows company GM FINANCIAL account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$12000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (TX)

In XX/XX/year> Discover sent {$1500.00} balance transfer to XXXX XXXX XXXXXXXX ( wrong payee ) Discover representatives refused to correct or void transaction. XXXX  XXXX XXXX I believe sincerely tried to help. They issued a credit but I can see Discover made them reverse it now I owe the {$1500.00}. Today went to Discover website and they have a notation XXXX XXXX CREDIT PENDING ADJUSTMENT {$75.00} payments and credits {$1500.00}
Consumer complaint received 2021-05-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX reports inaccurate information to my credit reports on XXXX, XXXX, and Experian. XXXX XXXX XXXX 's attorney made a deal with my attorney regarding the foreclosure on the manufactured home- Stating if I moved out, XXXX XXXX XXXX XXXX not report to my credit report and I would not owe any balance. I withheld my end of the deal and moved out of the manufactured home and off the property. The manufactured home had been unoccupied and utilities had been disconnected from the home since XXXX XXXX It sat unoccupied for many months. XXXX XXXX XXXX did not withhold their end of the deal and reported it to my credit three credit reports, along with reporting inaccurate information on my three credit reports continuously. Every time I disputed the account from XXXX XXXX  XXXX with XXXX, XXXX, and Experian- XXXX XXXX and/or the credit bureaus would continue to update inaccurate information with more inaccurate information. XXXX, XXXX, and Experian should have deleted the account from XXXX XXXX XXXX due to inconsistently reporting/updating inaccurate information when disputed, along with providing proof from attorney email regarding the deal made and my moving out and it not being reported to my credit reports. XXXX XXXX  XXXX has it listed on my credit reports that the manufactured home was Repossessed in XX/XX/2019. I have a photo/print out directly from the XXXX XXXX XXXX XXXX website showing, along with a dated timestamp that the manufactured home was still on the property on XX/XX/2019. There has been various inaccurate information reported to my three credit reports- That's been on going for months. With Experian it reports a higher balance due- The address & phone number does not match the contact information for XXXX XXXX  XXXX XXXX my XXXX & XXXX  credit report. XXXX XXXX XXXX provides three different contact addresses to Experian, XXXX, & XXXX. The ledger balances from my Experian, XXXX, & XXXX  are all different. My last reported payment date reported and the ledgers from the three credit bureaus do not match. If months are looked at, it can be seen that every time I disputed the XXXX XXXX  XXXX account with XXXX, Experian, and XXXX it will show that the three bureaus, along with XXXX XXXX XXXX just updated with more inaccurate information- Instead of removing the account from my reports.
Consumer complaint received 2018-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (ID)

I believe Quicken Loans is violating federal law by collecting more than the cushion allowed by federal law. 

Our annual escrow report for XX/XX/XXXX shows a balance in XX/XX/XXXX for {$880.00}. Our property tax and homeowner 's insurance totaled {$3500.00} ; the 1/6 cushion allowed by federal law is {$610.00}. 

The summary of my projected escrow account for the coming year shows Quicken estimates our property taxes will increase to {$4500.00}. 

On XX/XX/XXXX I contacted a client advocate regarding the increase. XXXX told me that the increase is based on the county 's assessment. I asked her to send me the documentation that justifies their increase. I have not yet received it. 

I then called my county assessor who informed me that they don't send assessments out until XX/XX/XXXX. She stated property taxes were likely to stay the same for XX/XX/XXXX.

The property tax increase appears not to be justified and is over the allowed 1/6th cushion.

Thank you for your time.
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

You need to get this XXXX  off immediately as it is NOT COMPLIANT ... This is illegal and improper reporting of information, delete without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. 
XXXX/XXXX XXXXXXXX****, 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 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

You need to get this XXXX off immediately as it is NOT COMPLIANT ... This is illegal and improper reporting of information, delete without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. 
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 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am uncertain as to WHY these late payments are present on XXXX XXXX I must request under the terms of the Fair Credit Reporting Act, and Fair Credit Billing Act of 1975 that you provide me with an audited statement of my account for the last 2 years..If you can not supply, please remove this inaccurate information from my credit report
Consumer complaint received 2022-04-07
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: EQUIFAX, INC. (MS)

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I mailed XXXX letters on XX/XX/XXXX Sent failure to respond letters on XX/XX/XXXX Sent 611 letters on XX/XX/XXXX Sent another round of XXXX letters on XX/XX/XXXX just to be sure These letters were all pertaining to my bankruptcy record on my credit report. The bureaus have 15 days to respond showing how they verified bankruptcy, and did not respond either time. 

I sent each of these type of letters to ALL THREE BUREAUS. I have only attached those for Transunion to avoid redundancy.
Consumer complaint received 2021-12-03
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. (NY)

I am a victim of Identity theft. I have enclosed a notarized Identity theft Affidavit proving it is in Fact me that submitted this report I did not authorize these inquiry requests and I did not make these charges mentioned with the list. I meet all the qualifications under XXXX XXXX XXXX for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2021-12-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-07-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

This issue is regarding the refinance of an investment property in CA. The lender is LoanDepot.com. When I initially started the loan application in XXXX, they offered a locked interest rate of 3.25 % 30yr fixed. There was no points and the mortgage fees was quoted at approx {$2300.00}. In order to start my application, I was charged over {$500.00} for deposit and credit reports. 

I provided all docs requested by them in a timely manner, within 24 hours. In XXXX, they added points to the loan and significantly increased the mortgage costs. The reason they cited was difficulty finding an appraiser for the property, yet they scheduled as appraisal the same day I asked for escalation. 

Now as we get ready to close the loan in XXXX, the quoted mortgage fees is approximately {$9000.00}, and LoanDepot tells me they are legally allowed to increase the mortgage costs. They are given me the option ( and asked me ) to cancel this loan application. 

LoanDepot is unwilling to lower the mortgage costs to what was originally quoted. They have also not offered refund for the fees that I paid, nor any compensation for the time and effort spend on this loan application. This loan has already taken 90 days, with no clear path to a fair closing.
Consumer complaint received 2019-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had a credit card with capital one in XX/XX/XXXX. It had a {$500.00} limit. I owed over {$650.00}. I then paid the outstanding balance in XX/XX/XXXX to  capital one bank usa. I will attach proof of payment from XXXX   accounts to this claim.This means capital one was paid for my debt, thus has no right to report on it! And as I paid the debt should show as paid on my credit report.
Consumer complaint received 2022-02-02
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: Experian Information Solutions Inc. (NC)

I am a victim of identify theft. I had filed a complaint to Experian on XX/XX/2021 through a certified mail with the tracking number, XXXX. Thirty days have passed already but I have not received any response from Experian. According to Federal Credit Law spelled out in the Fair Credit Reporting Act ( FCRA ), a Credit Bureau is required to respond to you and complete their investigation within thirty days. If they do not report within the timeframe, they must remove the negative listings disputed.
Consumer complaint received 2021-05-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX reports inaccurate information to my credit reports on XXXX, Equifax, and XXXX. XXXX XXXX XXXX 's attorney made a deal with my attorney regarding the foreclosure on the manufactured home- Stating if I moved out, XXXX XXXX XXXX XXXX not report to my credit report and I would not owe any balance. I withheld my end of the deal and moved out of the manufactured home and off the property. The manufactured home had been unoccupied and utilities had been disconnected from the home since XXXX XXXX It sat unoccupied for many months. XXXX XXXX XXXX did not withhold their end of the deal and reported it to my credit three credit reports, along with reporting inaccurate information on my three credit reports continuously. Every time I disputed the account from XXXX XXXX XXXX with XXXX, Equifax, and XXXX XXXX XXXX and/or the credit bureaus would continue to update inaccurate information with more inaccurate information. XXXX, Equifax, and XXXX should have deleted the account from XXXX XXXX XXXX due to inconsistently reporting/updating inaccurate information when disputed, along with providing proof from attorney email regarding the deal made and my moving out and it not being reported to my credit reports. XXXX XXXX  XXXX has it listed on my credit reports that the manufactured home was Repossessed in XX/XX/2019. I have a photo/print out directly from the XXXX XXXX XXXX XXXX website showing, along with a dated timestamp that the manufactured home was still on the property on XX/XX/2019. There has been various inaccurate information reported to my three credit reports- That's been on going for months. With XXXX it reports a higher balance due- The address & phone number does not match the contact information for XXXX XXXX  XXXX XXXX my XXXX & Equifax credit report. XXXX XXXX XXXX provides three different contact addresses to XXXX, XXXX, & Equifax. The ledger balances from my XXXX, XXXX, & Equifax are all different. My last reported payment date reported and the ledgers from the three credit bureaus do not match. If months are looked at, it can be seen that every time I disputed the XXXX XXXX XXXX account with XXXX, XXXX, and Equifax it will show that the three bureaus, along with XXXX XXXX XXXX just updated with more inaccurate information- Instead of removing the account from my reports.
Consumer complaint received 2021-12-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.