davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

My vehicle was totaled in XX/XX/XXXX. The account was closed and charged off, it's been in that status ever since. Two weeks or so ago, I asked for it to be removed from credit report a little early instead of waiting for XX/XX/XXXX due to having a terminal illness, it's been in charge off status for 6 yrs and they ignored the request and made the account status " open '' again on XXXX. That isn't right. If they don't want to help me with account by removing the negative even though it's been so long and i'm XXXX awaiting a XXXX XXXX and will not be able to repay then just leave the account in CLOSED status. Don't reopen
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2017-08-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (MD)

Reference back Case : XXXX and XXXX. On XXXX XXXX ,2017 I call customer service stating, I have not receive my XX/XX/XXXX Statement, Which the cycle ended on XX/XX/XXXX. I also complain about my payment due and why it still high calling the automative system. So the customer service person said she will sent another statement out, Now it Saturday XX/XX/XXXX no statement but my neighbor receive her statement on XX/XX/XXXX she have account with Synchrony Bank and live next door. So I really want to know was a statment sent out. My address is still the same from case XXXX. I really do no know why this company is given me a hard time, I just want everything fix and corrected and back to normal.
Consumer complaint received 2021-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

Quicken Mortgae/Rocket Mortgage transferred my Loan to XXXXXXXX XXXX. A letter was sent to me in XXXX indicating that XX/XX/XXXX payment should go to XXXX but no account number from XXXX was provided. I got no letter from XXXX prior to XXXX. So I made my XXXX XXXXpayment via my usual bank bill pay to Quicken. 

I finally got a letter from XXXX XXXX my account info in early XXXX and setup my online account with XXXX. I then noticed that there is a loan balance amouint as well my next payment due date was XXXX. XXXX did not know what happened to my XXXX payment. 

So I called Rocket Mortgage and they indicated that they refused my XXXX payment. I asked for a principal balance amount and statement and Rocket refused to give me that indicating that they closed the account. 

The problem here is : 1. Transfer process did not give me the end user enough time to setup my payments with the new provider. 
2. I do not way to check that the loan amount transferred from Rocket lines up with the loan amount received by XXXX 3.No one is helping me to identify what happenned to my XX/XX/XXXX morgate ayment and if it is included in the loan balance I now see at XXXX Overall the consumer, me, has to run around for no reason and simply because these two companies do not manage the transfer process seamlessly for me.
Consumer complaint received 2017-08-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ROC Asset Solutions, LLC (CA)

I took out a loan from a company called " XXXX XXXX '' in XXXX of 2015 of the amount of {$2500.00}. I received a phone call from my sister that someone named XXXX contacted to verify who I am and where I live, she also contacted several other people in my family and job to get in touch with me. When I called XXXX she told me that she works for a company called " API Recovery Solutions '' in good faith I gave her my account information because I know I took out this loan and set up a payment arrangement with her which was going to be {$400.00} a month over the course of 2 years with no interest ; however, when I looked up this company there is no information of its existence. I asked XXXX to send me a letter to confirm that she works here and I got an address which was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and phone number is XXXX. When I look up this address it is showing that it is a XXXX XXXX. She threatened to take me to court and sue me for the {$4800.00} and guaranteed me that I would loose in court. After I hung up the phone with her something did n't seem right. I started to do my research and contacted XXXX XXXX to see where my debt had gone and they told me that it got sold to " buyers holders inc '' and that they ca n't give me anymore information not even a number to contact them and that I had to look it up. After looking up the company buyers holders inc, I am still not able to find any information on it. All I would like to do is find out where my debt went and see how I can settle this because none of these companies that are calling me or non- existent. I went ahead and cancelled my debit card and reported it to my bank but now I am back at step one.
Consumer complaint received 2017-08-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

An account that was deleted off my transunion and XXXX credit report was re-inserted and put back on my credit reports. This account ( XXXX XXXX XXXX XXXX ) was removed now upon checking my reports it is showing as accounts that are closed and as a charge off. Transunion has it listed under accounts that are closed and marked as needs attention ( which is wrong ). This account was completely removed off my report as it was suppose to be ( according to corporate office over at XXXX XXXX XXXX ). XXXX has it listed just as a closed account but upon reviewing the closed account it shows charged off. This account was completely deleted off my reports and now re-inserted into a different spot. Once deleted they are not suppose to re-insert.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma (NY)

My identity was compromised. I think it started from credit karma dot com. My account on credit karma was hacked, and the email address as well as the phone number was updated into some unknown ones. So I can't receive my account at all from their automatic recovery. The hacker has got my money from the bank, updated my personal info as well as started lots of fraudulent inquires on three credit bureau. I can't find any contact email or phone number from credit karmas website other than just self recovery process. 
I tried to create another account under my identity, but they even refused that as well. This is very bad experience from credit karma, and I didn't even receive any updates for someone trying to update my email or phone number. I hope credit karma had the real people to handle the issue like this.
Consumer complaint received 2017-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (HI)

I received a telemarketing call for walmart Mastercard at XXXX XXXX XXXX XXXX. I believe telemarketers have times in which they can call. It was very annoying and the caller hung up when I answered in a very sleepy voice
Consumer complaint received 2017-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (PA)

I am disputing account number XXXX with Credence Resource Management since I have mailed quite a few dispute letters to the credit reporting agencies and it comes back verified every single time. They are declaring that I owe {$1900.00} to XXXX on my credit report. I have contacted Credence Resource Management to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

At the end of year XXXX I did summit a dispute to reinvestigate with the XXXX credit bureaus about incorrect information on my credit report from company XXXX XXXX XXXX, account # XXXX. I inform them about discrepancy between the XXXX credit bureaus, for example on XX/XX/XXXX Transunion report XXXX XXXX, XXXX on XXXX and XXXX on time. XXXX report account on time on months XXXX, XXXX and XXXX when XXXX and Transunion reported as closed on XXXX, they return the dispute as verified stating that " the account meets requirement of the Fair Credit Reporting Act. '' The account has errors in the payments history and does not match if is compared between XXXX credit bureaus so the account " does not meet the requirement of the Fair Credit Reporting Act ''
Consumer complaint received 2020-10-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (CA)

I refinanced with '' PRMG '' Paramount Residential Mortgage Group Inc back in XX/XX/2020 and have had several issues with the servicing of the loan .On XX/XX/XXXX we received a letter stating our home owners insurance was expiring. The policy effective date is XXXX to XXXX so I don't see where they came up with the XXXX letter.I have received a letter dated XX/XX/XXXX stating were in default.I have contacted their customer service and collections department to correct the errors.They have acknowledged all 3 payments for XXXX, XXXX, XXXX were on time but not credited correctly.We have not incurred late fees or penalties. I have received a letter from the VA for delinquency.What I find most troubling is their accounting errors may cause a negative impact on my credit report.I have requested written documentation from PRMG stating my account has never been late. The monthly loan statements are also incorrect, they don't reflect correct " paid year to date sums ''. I have brought all these concerns to PRMG to no avail.I contacted the mortgage broker who acquired the loan to inform him of the poor service from this mortgage company. I will contact the VA to inform them of the issues as well.I would steer clear of this mortgage company. They should not be allowed to do VA loans.
Consumer complaint received 2018-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I used my Gap card for a purchase of XXXX on XX/XX/2018. I never received a statement from them and I never signed up for paperless statements though it appears I was defaulted to paperless. Since I never received anything, I didn't have a breakdown of what I was paying in interest, fees, etc. I then found it on my credit report and immediately paid the charge. But now they want to charge a 100 % interest fee of XXXX. 100 %!!!?? That has to be illegal. Please help.
Consumer complaint received 2022-10-07
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX Date Opened : XX/XX/2021 Balance : {$300.00}
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$18000.00}
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (NJ)

This is regarding my XXXX XXXX XXXX  XXXX account. I have tried multiple times via telephone and email to request account closure and return of deposit unsuccesfully. On XX/XX/XXXX, XX/XX/XXXX and XXXX I called requesting that my account be closed. The representative informed me that he needed to transfer me to another department. After being on hold for over 10. minutes ( all three times ), I was told that " nobody was available at that particular time, if I would like a call-back ''. I never received a call back in all instances. I was them provided a survey to which I completed based on my experience and the situation. On XX/XX/XXXX I was contacted by " XXXX '' via email from " Executive Response '' who wanted to follow-up on my survey. Also on XX/XX/XXXX I replied back and explained the situtation in detail along with making my request again. I never received a reply back. This is in regards to account # XXXX.
Consumer complaint received 2022-10-07
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 — Investigation took more than 30 days
Company: AmeriHome Mortgage Company, LLC (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : AMERIHOM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-26
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. (SC)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited XXXX days and received my investigation and notice everything was still the same. The consumer reporting agencies, which is Transunion, and XXXX did not modify or removed anything. 

The date open is not correct, date last active is not correct on all XXXX-credit reports, date of last payment is not correct on XXXX and TransUnion credit reports. 
Which is a violation. This is impacting me from moving forward to buying a house for my family. 
I attached my previous credit report to show how XXXX, TransUnion and XXXX violated my rights.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block the listed items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. The items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX Date Filed/Reported XX/XX/
Consumer complaint received 2022-10-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-26
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: Experian Information Solutions Inc. (TX)

My student loans have still been reporting negative information on my reports for over 10 accounts on my credit report. This has resulted in low credit score or inability to open new accounts or get better interest rates for a while now. They have accounts on there reported that are 14 years old 11 years old 10 years old 9 years old etc. They should have fell off after 7 years or 7 years plus 180 days and they have been on there wya beyond then resulting in a risky profile and low credit scoring.
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NM)

1. I paid a mortgage on XX/XX/XXXX, I thought I score on XXXX  would go up. Instead, on XX/XX/XXXX it went down 14 points. This in not correct, please fix. 

2. In the Paid are of all three Agencies it does not show the I paid XXXX to XXXX XXXX. 

3. XXXX score is almost 80 point lower than XXXX and Equifax because they stated in the file, I have serious delinquencies when I do Not!. My payment history is exemplary for 10 years. I would like to to reflect on all three reporting agencies.
Consumer complaint received 2020-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XX/XX/2020, I called Bank of America to dispute transactions from the Service provider called XXXX. The amounts were XXXX, XXXX and XXXX, weirdly the agent took only the first too transactions and not the third. I had previously called the fraud line because my account suffered a large amount of identity theft and an account take over and many charges had previously been disputed including ones from similar. When I called I also told them that later credits from this same merchant were not credits for these transactions. I lost the investigation after three days because they assumed that I had been repaid by the same transaction I told them were not associated. I then called them back a second time for a reinvestigation on XX/XX/XXXX. I also informed them at this time they had failed to include the third transaction, but from what I can tell I still was never included. They then went back to re-investigate it but they have not done anything to date missing what I know are statuary resolution timelines of 45 days and failing to issue a provisional credit within 10 days into their continued research. I did provide a signed affidavit and they did tell me I would get a provisional credit that was a Lie. My understanding is that the responsibilities on Bank of America to investigate my claim within this time. And if they are unable to then I am not responsible. This is not the first time the bank has failed to perform its the last of the long list of issues with Bank of America not the following regulatory guidelines in the midst of my identity theft. Needless to say I would like to recover this money and I will not be working with Bank of America any further. Ive heard nothing back about this claim and I do believe they are not taking it seriously as I called many times. Regardless of their actual investigation at this point, it wasnt conducted in the allotted time and so I believe there has been a violation. Account numbe : XXXX XXXX Claim Id : XXXX