davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-24
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. (IL)

On my credit report with Experian, they are continuing to show accounts that have been proven not to be mine. An Account with XXXX XXXX listed as a Charge Off. I 've repeatly told them, the account is NOT MINE! XXXX and XXXX have both removed this charge off account from my report after being deemed that it is a fraudulent account. 

They are also showing a Public record from XXXX County Illinois that I 've researched on my own, spoken to the actual courts and they can not find anything, I 'll attach a screen shot with proof proving the account is not mine. 

I have submitted police report to the agency and they are still allowing my credit to be ran fraudulently, I now have numerous credit inquiries from various lenders that I did n't authorize. I have n't had my credit ran since XXXX of 2016 so anything after that, are fraudulent and should be removed. I have a credit fraud alert on my reports and it 's not stopping them from being ran. I finally asked for. Credit freeze today.
Consumer complaint received 2016-08-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (KY)

My payment went from XXXX $ to XXXX $ in one month. They claimed it was an escrow analysis and said my insurance rate doubled. So I asked what would bring my payment back down. They said if I could change insurance. I changed from XXXX to XXXX insurance. My old insurance was around XXXX $ while my new insurance is XXXX . I had been told this would bring my monthly payment down. I just filed for a new escrow analysis and my monthly payment is now XXXX . I asked why and they keep saying my escrow is in a negative. My escrow was ( XXXX $ something ) before I switched insurance. It is now XXXX $ I do not understand how my mortgage can INCREASE after I paid off some of the escrow. I also have some phone recordings with my stating and them verifying this should lower my payment.. 

I have included XXXX phone recordings that show the entire intention of me doing this was to lower my monthly payment. I make mention a few times about how my account increased and I want it to decrease.
Consumer complaint received 2021-04-30
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: CORELOGIC INC (FL)

I previously filed a complaint about an unauthorized inquiry from XXXX XXXX  and Credco dated XX/XX/XXXX. Their response is as follows : " By way of background, XXXX XXXX  ( XXXX ) acts as a residential mortgage broker. XXXX  originates mortgages and brokers those mortgages primarily to XXXX  as the Lender. XXXX was the lender for the XXXX XXXX XXXX and  XXXX XXXX XXXX loan. Contractually, XXXX also handles many of XXXX  other back office functions, including legal and compliance. Therefore, XXXX will be responding on behalf of all parties. Please be assured, XXXX  and XXXX  take all complaints seriously and appreciates the opportunity to address the consumers concerns. XXXX has previously addressed concerns received from XXXX XXXX and XXXX XXXX under CFPB Complaint ID XXXX and XXXX. As noted in XXXX  prior responses, on or about XX/XX/XXXX, XXXX XXXX and XXXX XXXX attempted to obtain a prequalification through XXXX, but it was clear that their Debt to Income ( DTI ) ratio was too high and their credit scores were too low to obtain either conventional or FHA financing. Nevertheless, XXXX attempted to assist XXXX XXXX and XXXX XXXX to prequalify for a mortgage. XXXX  initially reviewed XXXX XXXX credit profile on XX/XX/XXXX and XXXX XXXX credit profile on XX/XX/XXXX. XXXX  reviewed XXXX XXXX credit profile again on XX/XX/XXXX. The credit pull made on XX/XX/XXXX, had no negative impact on XXXX XXXX credit score as the credit pull was within the 45-day shopping period. XXXX XXXX and XXXX XXXX contacted XXXX  on XX/XX/XXXX, to advise that XXXX XXXX child support payment was reduced. At that time, a request was made for XXXX to pre-qualify them again. When the request was made, XXXX XXXX and XXXX XXXX authorized XXXX to review their credit profile, resulting in XXXX pulling a tri-merge credit report that same day. XXXX is unable to remove the credit inquires made on XX/XX/XXXX, as it considered the credit pulls valid pursuant to the authorization provided. XXXX  and XXXX  is committed to responsible lending and servicing and we apologize for any frustration or inconvenience this matter may have caused XXXX XXXX and XXXX XXXX. For additional questions or concerns, please contact XXXX  at XXXX. '' There are multiple mistakes with this response. First off, this inquiry was obtained WITHOUT my consent. Second, I never contacted XXXX XXXX XXXX and I never authorized any credit pull. Lastly, my fianc did make contact to provide an update on the child support and an update only. At no time was any verbal authorization or any authorization for that matter given to pull a credit report. This is absolutely fraud.
Consumer complaint received 2024-03-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SOFI TECHNOLOGIES, INC. (CO)

I took out a personal loan of {$40000.00} from SoFi that is supposedly a fixed XXXX XXXX XXXX and the balance owed continues to grow rather than decreasing. My payment is {$1300.00} and I am paying {$1500.00} to try to decrease term of the loan ( without penalties ). Granted, I am only two months in to payments, but I don't understand how the a fixed rate loan 's balance owed increases in between payments. I have contacted them via chat only, and not via phone due to long wait times. The chat did confirm that I have a fixed interest rate but that it accumulates interest daily and that is why the balance owed increases daily. I feel like this is false advertising/ not truthful lending practices and that I would not have agreed to the terms if I knew the amount will continuously grow rather than pay down. The truth in lending is not outlining that the remaining balance grows. I searched for a personal loan over a credit card or line of credit so I could pay down my debt, not accumulate more debt.
Consumer complaint received 2023-01-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XX/XX/19 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX
Consumer complaint received 2021-10-08
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: Experian Information Solutions Inc. (FL)

Attached is the image of unauthorized inquiries on my credit report with all credit bureaus. 

The unauthorized inquiries are : XXXX  inquiry from XX/XX/2021 XXXX  inquiry from XX/XX/2021 XXXX XXXX XXXX inquiry from XX/XX/2021 XXXX  inquiry from XX/XX/2021 XXXX  Inquiry from XX/XX/2021 XXXX XXXX inquiry from XX/XX/2021 XXXX XXXX inquiry from XX/XX/2021 XXXX - Auto Finance inquiry from XX/XX/2021 XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 XXXX  - Card Service inquiry from XX/XX/2021 XXXX XXXX inquiry from XX/XX/2021 XXXX  - Auto Finance inquiry from XX/XX/2021 XXXX  inquiry from XX/XX/2021 XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 XXXX
Consumer complaint received 2022-08-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc. (PA)

My name is XXXX XXXX. I sent money through XXXX on XX/XX/2022 in the amount of {$520.00} and {$620.00} just minutes apart. Both transactions were declined. I check my bank accounts on this date and these amounts were deducted from my account for both {$520.00} and {$620.00}. I called XXXX and inform them about the information and I was told that both payments will be sent back into my account within a week time. I check my account after a week and my payments were not but back into my account. I sent {$680.00} on the XX/XX/2022 due to the gave issue that my mother was going through in XXXX to the same receiver XXXX XXXX it declined again. I called XXXX and inform them about the issue and was told that my payments will be refunded to my account also due to the payment being decline. I did received the {$680.00} through XXXX credit account and I was able to sent that payment to the same receiver XXXX XXXX. I have the information in my XXXX account to show that I was credited for only the payment for XX/XX/2022 for the {$680.00}. I went to my bank on XX/XX/2022 to complain about not receiving my refund from XXXX for the amount of {$520.00} and {$630.00} on XX/XX/2022. My bank file a complaint on my behalf. They received {$620.00} and credited my account and that amount was taken from my account on XX/XX/2022 and left my account overdraft for weeks. I called XXXX on many attempts to inform them about why the requested their funds and was told that they where sorry it was a mistake and that they will refund both payment to me. I have sent them banks account statements of all my transactions and up to now I have not received any refund yet. My sister pass due to not have these funds for medical treatment in XXXX. I am so sick and XXXX about this issue. I have all the emails and phone calls to show how long I have been reaching out to XXXX with no results. Please assist me.
Consumer complaint received 2015-08-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (AL)

Once upon a time I had a XXXX phone. My contract was up XXXX month prior to the phone ceasing to work. I paid my last bill ( for a phone that was n't working ) and XXXX continues to harass me, and claim I owe them money for a {$50.00} phone I have n't owned since 2009. I want this off my credit report and I want XXXX to know that I am not paying them another dime.
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

In XX/XX/XXXX, my mortgage was transferred from XXXX XXXX  XXXX ( now out of business ) to Loan Care Mortgage. Loan care claims that I am behind a mortgage payment. 

I have been in correspondence ( ie, email, phone calls, letters, etc ) with Loan Care since XX/XX/XXXX - trying to resolve this problem. 

The problem stems from them ( Loan Care ) claiming that they never received a payment that I made to XXXX on the month my mortgage was transferred. 

I have sent to Loan Care - from my Bank - bank statements verifying that all payments were made to XXXX before the transfer. Also, since the transfer, I never missed a payment to Loan Care. It is obvious that Loan Care NEVER received the XXXX payment from XXXX and have be charging me late fees. 

Another problem is that when they recorded my payments - their accounting system posted payments late ( not to mention the payment in XXXX to XXXX ). I have pointed this out to them, but after speaking to countless representatives from Loan Care including their research department, no one has been able to answer my questions or provide me with any " missing payments ''. 

So the most recent correspondence I received from them ( XX/XX/XXXX ) is a notice to Foreclose on my property. 

I am contacting you for any assistance or advice you can give. 

Thank you XXXX XXXX XXXX XXXX XXXX After doing some research on Loan Care on-line, apparently I am not alone. There are other complaints and dissatisfaction with the way Loan Care handles Mortgage Transfers from other mortgage companies.
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

I made a payment online on XXXX/XXXX/XXXX. However, I was erroneously charged a {$27.00} late fee on XXXX/XXXX/XXXX by Comenity Bank, XXXX XXXX XXXX.
Consumer complaint received 2020-12-08
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: ALLY FINANCIAL INC. (GA)

I had an account with Ally Financial. I was a victim of XXXX discrimintation from this compnay. I lost my car. The company is reporting false information that I made payments in 2014 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make payments on these months. I asked for documentation as it pertains to these payments and never received any response. Also, they took more seven years to charge off my account after being more than 180 days delinquent in 2014. I would like for this to be noted that these people are harassing me. Also, that the account is being handled by an outside agency where they are still attempting to get money out of me.
Consumer complaint received 2020-11-04
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 — Their investigation did not fix an error on your report
Company: Diversified Adjustment Service, Inc. (IL)

In the results of your first investigation, you stated in writing that you verified that this item ( DIVERSIFIED ADJUSTMENT ) is being reported correctly? how could you verify it? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that XX/XX/XXXX PROVIDE ME with competent evidence that I have any legal obligation to pay this debt.

1. Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature ; 2. Please provide a copy of the last billing statement sent to Consumer by the original creditor ; 3. Please provide me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above- alleged account ; 4. Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector ; 5 ) Finally, please provide an affidavit signed under Penalty of Perjury that Collector or any agent ( s ) acting on their behalf has not violated any portion of the Fair Debt Collection Practice Act.
Consumer complaint received 2021-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have two accounts with XXXX XXXX and they are reporting inaccurate late payments payments were deferred and should not be reporting late XXXX  XXXX  tells me to take it up with the bureaus while they bureaus tell me to take it up with XXXX  XXXX  I have been reaching out to both with no help I would like all late payments off my reports
Consumer complaint received 2020-07-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc (NJ)

I did not receive notification that the debt was being placed with a collection agency and being reported to my credit. I also did not have the chance or ability to dispute this debt before it was reported to my credit as required under the FCRA Also after a dispute through all credit bureaus the company has failed to update the comments stating that it was being disputed as required under the FCRA. 

This company also has not provided proof to substantiate the debt, or that they did as required in notifying me of the debt and my options to dispute as required under the FCRA even after I have disputed this debt.
Consumer complaint received 2018-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC. (FL)

In XX/XX/XXXX I signed a lease with the apartment complex XXXX XXXX. I work out of town so I was in and out of the apartment for the months XX/XX/XXXX -XX/XX/XXXX. To pay the rent I would mail a money order thru the United States Postal office. During the month of XXXX I decided to pay my rent in person. When I went in my apartment everything was gone and trashed out. I then went to the apartment manager and showed her what had happen. Before I left i told the whole leasing office that i would not be there. So upon my investigation around the complex, i was alerted that the maintenance men had stolen my things. Because there was n't any forced entrance the police would not write a police report, and the leasing manager was there to witness this. Once we sat down and talked she stated if I paid my XX/XX/XXXX rent i would not be responsible for XX/XX/XXXX and XX/XX/XXXX, which my lease was up then. My deposit was kept and I paid the remanding balance of XXXX . I have pictures of my apartment trashed and of the document signed stating I did not owe anything else. Also since this incident the whole leasing office has been fired due to unprofessional conduct that where done in this company. When i tried to contact the collection agency who has the account I was hung up on and treated very rudely. The whole thing has gotten out of hand they are just very unprofessional and do not stick to their words. They keep on reporting on my credit as if it is a new account which its over 6 years old and inaccurate.
Consumer complaint received 2020-12-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (MO)

I received notifications on XX/XX/2020 of a negative change to my credit history by several credit monitoring services by a unfamiliar entity ( Jefferson Capital Systems LLC. ) placed a unpaid or overdue debt collection entry with XXXX, XXXX, and XXXX. It claims the date of the debt is XX/XX/2020 as listed on all three bureaus. I did not and have not engaged in any such contract or credit with Jefferson Capital and did not enter into and such collection status for any such account at the XX/XX/2020 Date. They have not sent any due diligence or correspondence regarding this alleged debt. The account date listed is erroneous and a violation of FDCPA. I believe this to be junk debt collector attempting to extort money with negative reporting for another party 's debt.
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TN)

Contacted XXXX about the debt, they stated they thought someone else had taken out another phone in my husbands name couldnt find anything with his social security number ... two weeks later they removed this account from his credit report and closed it and said resolved which brought his credit up now this happened in XXXX I have the documentation, then they sold the account to Jefferson capital systems which now they keep hitting his credit report I called them and they said they had this account since XXXX which makes no sense if they closed it threw XXXX and put resolved Jefferson capital system said they are going to dispute it but we will still probably have to pay which I think is unfair
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (IL)

I asked the company Citi Card to reopen my account because they had closed my account recently due to nonpayment because I was getting behind on my payments. 
They then said that I was on the computer trying to reactivate my account by saying that I had made payment arrangements in XXXX which I know I did not do they are making this up. I know what I did and did not do. I did not sign anything I did not Ask them to reopen it up and XXXX. I did however receive a closure account in the mail but before I could respond, I was very ill and almost had XXXX XXXX. Therefore I was in the hospital and was not able to do anything. Today on XX/XX/XXXX, I had called the company to see if they could reopen my account and they said no that I would have to speak to a customer representative I said, OK I spoke to customer representative again and they had asked for my Social Security number, and they asked for my birthdate and name and they said that I will get a letter within 7 to 10 business days and that they were not able to reopen it I said wait a minute you guys just checked my credit without my authorization I did not approve of this. This was something that they should have said from the very beginning, I find this to be ill practice of their business, and I do not agree to any of the credit checking to reopen my account. They had switched me four different times maybe five at the max and saying that they were managers but the last one said that he wasnt manager I could not understand them. I was trying to understand but I got frustrated with them and hung up.
Consumer complaint received 2023-01-03
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. (RI)

I sent a letter on XX/XX/2023 to remove : XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX CARD XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00} These are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,