davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I filed a dispute with Transunion XXXX XXXX. The dispute was to have Chapter XXXX removed from my report. It was originally discharged, XXXX/XXXX/XXXX and only reopened for a month in XX/XX/XXXX to correct a document. It should not remain on my report. I have not heard anything from Transunion after faxing the information. When I go online and enter my dispute # nothing comes up. I have called twice and nobody can give me any details of how they are resolving the situation. When I look at my credit monitoring it still shows up and my scores have dropped by 20 + points. There is also another negative remark from XXXX XXXX XXXX that shows as a discharge on my report for {$1000.00}. It was recently added XXXX XXXX. I mentioned this in my dispute and they are doing nothing on my behalf to investigate this. The item from XXXX is not my loan. This was a loan they had with my son that was closed XX/XX/XXXX and now they are adding this negative remark to my report 14 years later. It is my ask that these things are removed from my credit reporting with Transunion and any other reporting agencies. I have tried to get answers from Transunion but I am getting nowhere.
Consumer complaint received 2020-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Protection Association, L.P. (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2017-12-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (NJ)

Ocwen stalled the modification process, enabling me from moving forward. Ocwen illegally foreclosed on my property, without my knowledge. Until one day inXX/XX/XXXX A 3rd party showed up at my door to take picture of my home. In which they stated they purchased thru an auction. Poor communication from Ocwen in trying to resolve the matter. I numerous phone meetings with a relationship manager at specific times and dates in which, they never called me. Losing documents during the modification process which made me have to start the prove over again. When I do get thru to a representative, the records were never updated causing me to have to constantly refresh the new representative in the reason for my call. My girlfriend of 12 years, who was not a borrower or co-borrower on the mortgage, only listed as a communicator in case I was not present. They went into her bank account unauthorized and remove a payment of over 700.00, stating it was for payment towards the balance. In which I never authorized! In XXXX, I started this modification process, in which I am referencing. I submitted a total of XXXX in monthly income including two rentals, my girlfriend 's paystub and my paystub. There is no way, I should have denied on any level for a modification because the monthly income exceeded. Ocwen denied me because they wanted a lump of about {$20000.00} in arrears. When I was trying to negotiate how I can become current and get back on track with them, they were n't trying to do that! One of  the problems I did have with Ocwen is when I did send the payments, they failed to post them, instead sending them back! This happened on at least 3 occasions. They call me days later stating they have n't a payment ... Poor communication! I had appointment with the relationship manager on XX/XX/XXXX. They never stated they were foreclosing on my home. I have additional details to include. My name is XXXX XXXX, can someone please point me in the right direction. My contact number is XXXX. Thank you for your time.
Consumer complaint received 2021-06-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Applied for a XXXX XXXX XXXX XXXX XXXX. However Card Denied. reasons : 1. Serious delinquency, and public record or collection filed-Provide proof? 

2. Number of accounts with delinquency- Provide account names? 

3. Time since delinquency is too recent or unknown- Provide time and dates : 4. Length of time accounts have been established- Provide length time names? 

Please provide insufficient requested information as stated above.
Consumer complaint received 2021-06-03
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (PA)

On XX/XX/2021 EOS CCA sent a form to me the consumer XXXX XXXX stating I owe them an alleged debt. I do not owe this alleged debt and I refuse to pay. I did not give EOS CCA consent to contact me the consumer or my Organization XXXX XXXX which is a violation of 15 U.S.C1692b ( 2 ).
Consumer complaint received 2021-06-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I sent a letter to you disputing these items as erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),
Consumer complaint received 2021-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (AZ)

My Loan was due XX/XX/2021. I called in to pay with the loan number on my statement.XXXX amount due XXXX The receptionist said the loan did not exist and hung up. I called again and got another person who spent some time with me and said that I owed XXXX. I paid it and explained how did this happen and she said she didn't know. I have attached the statement and have not had any late charges on my credit, On my other loan XXXX I over paid XXXX don't want my credit messed up. Confirmation number ( XXXX )
Consumer complaint received 2021-04-08
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. (GA)

I HAVE CONTACTED ALL PARTIES ( EQUIFAX, XXXX, XXXX/XXXX, XXXX, AND XXXX XXXX-XXXX  ) INVOLVE IN THIS MATTER INFORMING THEM OF THESE FRAUDULENT ITEMS TO CONTINUE TO RECEIVE THE SAME FRIVOLOUS RESPONSE.
Consumer complaint received 2021-08-13
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: OUT TECH, INC. (PA)

I recently reached out to this creditor with concern that the alleged debt was incorrect/ not mine. They have not responded within the 30 day period that is allotted by the Fair Credit Reporting Act with sufficient proof such as a signed application or a signed agreement proving that i am responsible for the alleged debt. As outlined within Section 623 of the Fair Credit Reporting Act, the duty of the furnisher is to promptly modify or delete the information, or block its reporting. Please remove the account Not only is the account inaccurate, the alleged debt is listed more than once, violating my rights.
Consumer complaint received 2020-10-31
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: ALLY FINANCIAL INC. (OK)

I received two notifications on my credit that two separate dealerships ran my credit. I recently sold my truck snd have had no use in looking for newer vehicles. Confused on to how or why its being used.
Consumer complaint received 2020-06-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (NC)

About a month ago, I filed a complaint against Firstpoint Collections for reporting eleven new collections on my credit report, without notifying me first ; or giving me the opportunity to answer for them first. They lied to you in their response, and the eleven collection accounts are still illegally reporting on my credit report.
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX ( XXXX & XXXX  ) 30 days late as of XX/XX/XXXX ( XXXX & XXXX ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statements did not get to me.
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (UT)

I was promised a welcome bonus of XXXX points for getting applying for Amex XXXX XXXX card from American Express when I meet the spending requirement which they confirmed I did. However, they still have not posted the points and waiting for them to resolve the issue for the last 6 months.
Consumer complaint received 2017-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted Transunion XXXX XXXX to let them know I was a victim of their inquiry issue. The customer service representative would not help and take care of the negative inquiries reporting to my credit report. The credit inquiries are as listed 1. XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4. XXXX  XXXX/XXXX/XXXX 5. XXXX XXXX/XXXX/XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is reporting late payments on my consumer report on the following dates [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX ] that I have no knowledge of ever being late! 

Furthermore 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.

Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX ; Experian and XXXX should not be reporting each inquiry listed on my credit report as a separate line item. ( Please see pages attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquiries are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only as ( 1 ) inquiry. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-08-31
Product: Mortgage — Other type of mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Solar Mosaic LLC (CA)

I have contacted Mosaic Solar Financing on XX/XX/2020 and XX/XX/2020 to ask them to properly report the loan I have with them on my credit report. They are reporting the loan I have as a Mortgage. It is not, it is a personal loan secured by the Solar Equipment on our home. There is no mortgage with Mosaic Solar recorded against our property. The inaccurate and misleading reporting as a mortgage is causing an issue with my ability to refinance my house.
Consumer complaint received 2019-10-30
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. (DE)

I have sent several documentation to XXXX regarding my credit report the information is still on my report, ive provided mailing and documentation from the creditors and they still have not removed the information ive advised im a victim of fraud along with paperwork from ftc
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2015-11-24
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (TN)

I received a call from XXXX which belongs to a XXXX XXXX XXXX. They left no message. When I checked my credit report this appears to be an old American Eagle credit card through GE Bank? I believe that this paid in full through a third party years ago as I do not have an account with them now. I have not received any written notice of this attempt to collect this debt and I will request that they Cease and Desist any further collection attempts.
Consumer complaint received 2021-10-16
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. (NC)

So TU/XXXX both reported that they verified a bankruptcy on my credit report using XXXX. I am trying to figure out how they both verified this information as accurate when XXXX has removed such information from their report for inaccurate reporting. I ask that both credit bureaus provide a proper method of verification or remove the information from my credit report immediately.
Consumer complaint received 2020-10-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo has unfairly reported 60 day late payments to credit bureau. The late payments were due to false representation of the Pay Balance in Full functionality offered by Wells Fargo when I made a credit card payment. I made a payment of {$290.00} using the Pay in full button. Due to the fact that I used the Pay in Full button I believed my payment resolved 100 % of liability with Wells Fargo. However, Wells Fargo charged me {$2.00} interest 4 days after my balance was paid in full. The {$2.00} does not show up as a line item with a post/transaction date on any of statements but I believe it was generated on XX/XX/XXXX on the statement generation date. It is confusing and misreprentation to consumers to provide a pay in full button that does not in fact pay the liability in full. It is than unfair to say the consumer was 60 days late when in fact that consumer paid the balance in full. 

1. Based on a previous statement balance of {$93.00} a minimum payment of {$25.00} was due on XX/XX/XXXX. 
2. Additional purchases were made on XX/XX/XXXX in the amount of XXXX XXXX. XX/XX/XXXX a late fee was charged of {$25.00} based on the fact that did not make a payment 4. XX/XX/XXXX I used the pay in full button on the Wells Fargo website and paid the amount {$290.00}. 
5. {$2.00} was posted to my account as interest after I used the pay in full button. Pay in full should resolve the 100 % of the debt or the button should not be presented to me as a consumer. 
6. {$1.00} minimum interest fee posted on XX/XX/XXXX based on the previous balance {$2.00} new balance is {$3.00} 7. {$1.00} minimum interest fee posted on XX/XX/XXXX based on the previous balance XXXX new balance is {$4.00} 8. {$4.00} was paid on XX/XX/XXXX.
Consumer complaint received 2021-04-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (TX)

On XX/XX/2021 made call to our present mortgage company, New Rez Mortgage, in order to refinance our present mortgage to a lower interest rate. 
XXXX XXXX XXXX # XXXX was the represantive. 
XXXX quoted a interest rate of 2.875 % with no discount points. These rates thru paper work were said to be locked until XX/XX/2021. 
Now New Rez wants to keep the same rate but wants to charge a discount points of 1.375 %. This results in a extra closing cost of {$4000.00} I discussed this with XXXX today ( XX/XX/2021 ) per phone call and she stated that it was my fault for not submitting needed paper work within 2 weeks of initial call. 
I find this very hard to believe since I am retired with plenty of time to work on submitting documents if needed. Secondly, the reason I wanted to refinance with my present mortgage company even though the rates were higher was to complete the process as soon as possible. Now it has been 3 months and still no refinance. 
I am wondering if New Rez is doing this on purpose. I do not know if they are are not. However I wonder if others are having the same issue.
Consumer complaint received 2017-12-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cash Express, LLC (KY)

I took a payday loan out through Cash Express in XXXX, KY. After doing so my spouses mother XXXX  which caused me some time off work and then the father of my child quit his job so we lost our child support. Both things caused a decent decrease in my income right at the time I was supposed to pick up the loan. When I did n't pick it up they sent it to my bank even after I called and let them know I could n't pick it and I needed time. This caused the due amount to change to {$610.00}. When I went in to speak with the people who work in the store I was told this is a felony charge and they would take me to court at the sixty day  mark. Now I 'm freaking out!! They want me to pay the {$610.00} and promise to let me take out {$250.00} but I 'm still really in no shape to pick it up and I do n't know what to do. I do n't want to go to jail or have that on my criminal record. What should I do??? They want me to pick it up this week!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2017-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (OH)

In XX/XX/XXXX I received a late notice from Chase XXXX, I called them because I thought I had a XXXX balance on it and havent ' used the card in months. I found out that they charged me a {$85.00} annual fee and this was what the balance was. So I call them to cancel the card because I never paid a fee when I got the card and did n't want a fee related card. They said they would remove the annual fee and I said I wanted them to reverse the late mark on my credit report since I 've never had this before. They said they couldnt ' do that. I asked for the card to be cancelled and to send me a final statment with my point balance. I got the statment 31 days later and I opened it the next day and saw that I had XXXX points or About {$210.00} worth. I called them to issue a check and they said they could n't do that because it was n't redeemed within 30 days and I called on day 32. I told them this was outright stealing and any unused points should automatically be issued upon closing the account. They said they would get back with me and so far I 've heard nothing. I texted them on their site and still no response. Horrible customer service to say the least.
Consumer complaint received 2020-06-02
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 recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXX XXXX {$1400.00} DPT EDXXXX XXXX {$7000.00} XXXX XXXX XXXX {$3700.00} XXXX  XXXX XXXX {$2600.00}