davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-10
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. (MO)

My identity has been seriously compromised due to XXXX breach and my wallet being stolen..Now the after fact is a demise of unknown and unauthorized accounts reporting on my credit file. I'm demanding the immediate removal of these fraudulent accounts. I have no such contract with either of these companies. 

1 ) XXXX XXXX XXXX {$790.00} 2 ) XXXX XXXX XXXX {$2300.00} 3 ) XXXX/ XXXXXXXX XXXX 4 )  XXXX XXXX {$6400.00} 5 ) XXXX  XXXX XXXX {$17000.00}
Consumer complaint received 2021-02-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WINNPOINTE CORPORATION (AZ)

Interactive Mortage ( Winnpointe mortage ) - I applied for a refinance of my primary home on XX/XX/XXXX. The agent took the application and ran credit, approved me for a loan and locked me for 15 yr term@ 1.875 % APR. Asked me to submit the documents the same day so the underwriter can review.

- I submitted all the documents he asked me within 2 hrs. He said the processor would take over in 2 weeks. After 2 weeks, he went on leave and told me that someone would be assigned soon and they should be able to close before end of XXXX for sure. 
- XXXX went by, XXXX went by, followed up on email and finally a processor was assigned and sent me the closing disclosures on XX/XX/XXXX. Since then a notary called me atleast 4 times that they were assigned for closing but company cancelled it all 4 times for delay in documentation. 
- I followed up multiple times on email and on phone, left messages but no response from processor. I again contacted the loan agent and he asked me to keep sending emails to the processor reminding her that I am waiting and copy him - After 60 days, he called me today to mention that the rate lock will expire tomorrow and he can not honor the rate I got. 
- I took great pain to follow the market and lock exactly the day the market went down and allowed my credit pull. 
My credit pull caused a hard hit and I dont even have a loan, by baiting and switching, Interactive Mortgage deceived me with their fraudulent practice. The sales team seems to be pitching and moving forward while the operations are unable to do their job. 
When asked for a senior contact to discuss the issue, the loan originator told me to fish it out on the internet and figure it out myself and that he can not share. He shared his supervisors number but he already mentioned there are many cases like this and that the supervisors wont do anything about it. 
So went to XXXX and got the email of the VP of operations ' email and wrote to her. Guess what - No response!!! 
The worst part is there is no one other than the loan originator and processor that you can contact to escalate or report the issue. None of the higher-ups have their contact information published anywhere on the site. I am unsure how they even got a license and are operating in California.
Consumer complaint received 2021-02-05
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: CL Holdings LLC (LA)

I have an auto loan with XXXX back in 2014, the vehicle was repossessed. In my credit report show, multiple entries cuz the account was sold to XXXX. I am eligible for restitution in the XXXX class action. Send letters to the credit bureau and XXXX and XXXX but didn't get any response from them. Negative reports are hurting me. Please help me follow up on them, and please have them remove the negative reports abt the auto loan. Thank you.
Consumer complaint received 2018-06-15
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Initial call into XXXX XXXX XXXX in XX/XX/XXXX. Discussed I was on a consolidation plan to repay the credit card balance owed. I inquired about any late payments on my credit will being removed since I was a part of the consolidation program and making timely monthly payments. The associate at Capital One said yes, my late payments for 4 months will not show as late on my credit and will be shown as current and paid on time after I have paid for 4 consecutive months. She said they needed 4 months of consistent payments before they updated my credit report. I called again in XXXX and spoke with a representative/ manager on XX/XX/XXXX, she indicated they would listen to the recording and get back to me with the results of the call. As of today XX/XX/XXXX, I have not received a response or update to the matter. It was my understanding that the late payments for XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX would not show as late or have a negative impact on my credit but paid on time and current since they were in fact receiving timely payments. The Manager on XX/XX/XXXX said they received timely payments and she would listen to the recording and get back to me. Currently I have 4 late payments with Capital One even though they have received each payment timely each of those months. I would appreciate them correcting this on my credit report to remove the late payments and correct as paid and timely.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MO)

I purchased a washer and dryer from Home Depot several months ago. They attempted to deliver damaged washer and dryer on XX/XX/XXXX. I refused the delivery. 
I requested a refund from them. It took a week to credit the Home Depot credit card I had used. 
I had paid the balance of the card in full for the washer and dryer in XX/XX/2020. 
I requested a refund from the credit card company and they said it would take 5 days. Its been 5 days and no refund. Now they say up to 17 days. 
Im wondering if they are going to refund my {$1600.00} at all?
Consumer complaint received 2017-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX and Transunion are refusing to remove the debt from XXXX XXXX XXXX off of my credit report for a apartment in the amount of XXXX. This debt does not belong to me I have a completely different address from what has been listed. I was married and shared two different homes over the course of the years in XXXX not in XXXX where this apartment is located. XXXX has removed this item off of my report because it does not belong to me, but Transunion and XXXX have yet to send supporting documentation that it is me. I have not went to court as a result of this debt which would be required for an eviction. I would like this removed promptly.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX I opened a loan account with XXXX XXXX while on XXXX XXXX for the military. Around XXXX I was removed from my home due to a divorce issue and was allowed back into my house on or around XXXX during this time I didn't have access to any of my personal belongings and was not allowed within 100ft of my home after returning home I quickly called XXXX XXXX to fix my account status with them on XXXX. A promise and an agreement were made over the phone that my account would return back to normal after I made a large payment to the company with a total of {$720.00}. With this agreement being made I paid in full the amount of {$720.00}. After continually receiving monthly statements in the mail over the course of several years and after quite a large number of life changes I check my credit score and found out the company never fixed my account and continued to send me monthly statements in the mail. I have contacted the company on a lot of occasions trying to find answers after being lead on a while goose chase for quite a long time I was automatically forward to the collections department. The last to individuals I had contact was a woman named XXXX, XXXX which then finally forward me to a supervisor after several emails back and forth. The supervisor named XXXX, XXXX didn't even look into the matter he just downright denied any actions or promises made by the company or individuals i then had to beg the gentleman for a copy of my payment history. After contacting several lawyers within my area they said that it would be in the best interest of my case in order to try and resolve this matter privately first. I would like to resolve this with the company before i proceed with any other further actions. I would just like the company to switch my credit back to regular account status as promised and the correct monthly payment history corrected on my credit report.
Consumer complaint received 2019-08-11
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: Experian Information Solutions Inc. (CA)

Experian continues to allow erroneous and inaccurate information on my credit report regarding a XXXX XXXX account. There are numerous issues with this account. Experian has allowed the re-aging of the account to show a later delinquency than the original delinquency. Two attempts to dispute the item were met with no real investigation and claims the item was verified with the latest attempt occurring on XX/XX/2019. XXXX is providing inconsistent and inaccurate reporting through the three credit bureaus. If the information being furnished is accurate why is the reporting different between each bureau? Furthermore a charge-off is a one time event so why is it being reported every month as a new charge-off? A charged-off account is written off and should also not have a past due balance. Please refer to the attachment for all the inaccuracies.
Consumer complaint received 2018-06-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery get information from other company 's records that are no longer in use, records that have been filed in bankrupty or debts that actually do not exist. Since XX/XX/XXXX they have called me at minimum 28 times from various phone numbers. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I received a credit alert today and they have placed a collection on my credit report. In XX/XX/XXXX CFPB ordered Portfolio to stop there deceptive debt collection practices they haven't. They specifically prey on minorites and women and I am both, a WOMAN and MINORITY, they prey on this demographic becuase they feel we can easily be intimidated into paying money I do not owe the debt and want them to release me from it and to stop harassing me and remove it from my credit report.
Consumer complaint received 2017-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

At the end of XXXX, I applied for borrowers defense. As a result, Navient put the administrative hold on my account for forbearance. I then received notification online in XXXX that I had to update my IBR information or risk losing my IBR status. I sent this information on XXXX XXXX via fax and online through the government website beginning of XXXX. I received 4 emails stating they needed more information then an email stating my payment was going back to the 10 year amount, that was XXXX XXXX, well after my application. I then called concerned thinking the IBR would go into affect after the forbearance is complete if it is not extended due to processing the borrowers defense. The person I talked to says the emails were in error and I was good to go. He does not tell me i can wait until after the forebearance to apply or verify that i know my payments will be due again in XXXX. Basically, they sent me emails to get me to call them so they can expedite the process, remove the forebearance, and start getting money from me again. The next day, they process the IBR, remove my forbearance and state I have an increased payment due in XXXX weeks. I call them and speak for an hour and a half being told my loans are not federal loans that they are commercial, told that I really have no option unless I want interest to capitalize by doing a regular forbearance, told that they ca n't give me back the courtesy forbearance because my loans do n't qualify even though they were in forbearance for months before that for the same reason. Basically told that i can choose to go into default and not given on viable option besides make the payment. This is a shady company that does everything it can to XXXX over student loan borrowers. The woman on the phone even told me my payments are XXXX and my statement clearly says XXXX. More lies. This organization also capitalized all my interest when they took the loan over from XXXX years ago and I have yet to get an explanation as to why. When I ask, I literally just get ignored with no response. Meanwhile, my graduate school loans are in the same deferment and XXXX XXXX sent me XXXX email stating they got my IBR information, they will process it when the forebearance is complete and ensure that I am taken care of. NAVIENT SHOULD NOT BE SERVICING ANY LOANS EVER! THEY ARE SHADY AND I WOULD IMAGINE DOING ILLEGAL PRACTICES.
Consumer complaint received 2019-08-11
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)

I check my credit somewhat infrequently. Today I was trying to apply for new credit cards to help with my month to month expenditures. I have been using this XXXX   website for a few years now. I saw that my credit score had been very different. I have 2 different scores. I froze my credit on 2 of the 3 major credit reporting agencies. The one I had difficulty with was XXXX. XXXX has a car loan that does not belong to me, a wrong last name, wrong address, and wrong mobile number. I have received student loans, and financial aid with my Social security and my name. I have my original social and know that my information is correct. But all of a sudden there are loans that should not be there. I tried to get the information fixed. Like how maybe it was an improper merge? However the person lives in the same city and not too far from me, from what the address of the individual who is not me has on my credit report. I can't log into one of the credit reporting agency websites because it asks me about loans and locations I never applied for. I need help desperately please.
Consumer complaint received 2019-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

In2017XXXXchargedme{$1500.00}for2fraudulenttransactionsthatweren'tmadebyme.Nowafter2years,XXXXadded{$1300.00}ininterestsandfeesandsoldthedebttomultiplecollectioncompanies.Oneafteranothertriedtocollectthesameamountofmoneyfromme.2weeksago,XXXXXXXXXXXXagreednottocontactmeanymoreforthedebt.Today,ResurgentCapitalServicescontactedmetotrytocollect{$2500.00}.
Consumer complaint received 2019-08-10
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. (IL)

Transunion reported collection agencies to my Transunion credit report, so I sent 3 rounds asking for validation of debt and in return they said the debts were verified by sending bills. NO CONTRACTS WITH SIGNATURES like i asked. Please help. Attached are dispute letters i sent to Transunion and the bills and responses they sent me.
Consumer complaint received 2023-02-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Zions Debt Holdings (CA)

XX/XX/2023 I was I notified by my Identity Theft protection company that there was an alert placed on my Transaction credit report attempting to collect a debt. This company never notified me by mail of this debt. I am not sure how this company obtained my personal credit information not to mention my name or social security number. I have never heard of this company nor have I ever done business with this company.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

Comenity Bank, XXXX, VA- issuer of a store ( XXXX XXXX ) credit card - keeps on charging me interest and compounding it on a XXXX balance credit card that I have paid off and asked them to close. Please see the last two statements that show the card completely paid off and the compound interest charged.
Consumer complaint received 2019-08-11
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc. (KY)

I what to know HOW u take late rent deposit that was XXXX and security deposit of XXXX and the whole walk through of the apartment with apartment management at the time I have the paper he checked all PROBLEM and no problems .The funny thing about everything I moved out in XXXX XX/XX/XXXX And I what to know how u change a person move on date when I moved in on XXXX XXXX and I know you can't a person move date ur first lease is the right lease agreement u make and they change it to XX/XX/XXXX
Consumer complaint received 2019-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CO)

I closed on my home/ sold my home yesterday. I have to buy a new washer and dryer among other things. I applied for a new card with Home Depot as they were offering a new promo/discount, AND an {$100.00} gift card i got at closing. Nothing was validated, my price actually increased and the sales rep via online chat claimed its because i live in Colorado. I just paid off all my credit cards and am so disappointed with this company. I work in lending and feel violated
Consumer complaint received 2019-08-10
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. (FL)

XXXX XXXX ( XXXX ) conducted 7 unauthorized hard inquiries on my Equifax report when I requested an increase on my credit card limit. I was not told or warned that this request would pull a hard inquiry and therefore they did it without my consent. 
The hard inquiries reported are dated below : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX
Consumer complaint received 2019-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The following companies ran unauthorized credit inquiries on my credit report. Please remove as these are suspicious to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I sent a loss mitigation application to Mr Cooper on XXXX XXXX 2023, it's been 20 days and I still haven't received the response from Mr Cooper, I do not know what will be the outcome. i'm worried that it will affect my credit, as my Mortgage payment was due on XXXX XXXX, 2023 And I haven't made that payment. 

this process of loss mitigation should have been quick and I should have received a response in 2-3 days, Mr Cooper is not cooperating and is not responding to my loss mitigation application in which I requested to give me a forbearance for next six months as I recently suffered from XXXX and I do not have money to pay for mortgage reason being I didn't do business when I was suffering from XXXX, and it will take me some time to get back on my feet, so I'm just asking for more time to get back on my feet and mr and Mr Cooper is taking is taking advantage of that
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XX/XX/XXXX I lost my job when the position ended due to covid downturn. I informed Capital One that I was out of work due to Covid and that I was unable to make payments until I successfully regained employment. I was unable to gain employment until XX/XX/XXXX. In XX/XX/XXXX they put a permanent restriction on my card and terminated my charging privileges. I have had this credit account for over 20 years. In XXXX I made payment arrangements however in XX/XX/XXXX XXXX XXXX XXXXXXXX and was terminated from my employment for being out of work to long. I was not informed when I made the payment arrangements that the restriction would not be removed if I kept up with the payments on the account. I just successfully regained employment and attempted to make arrangements to pay it off in full and have the card restored and they are unwilling to work with me after 20 years of being a customer and having informed them at ever step about the covid situation. I cant understand what the point of having XXXX  options are if they are not going to work with customers that are impacted. Now they have completely destroyed my credit reporting it negatively each month and now I would have to reapply for a card.
Consumer complaint received 2020-11-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A. (AZ)

I got a Citi flex loan on my credit card. This is a fixed loan to function as a personal loan at the rate of 6.99. My interest has been incorrectly charged to me since inception of the loan. This has led an increase in interest payments that just is not legal. I make more than my minimum payments every month. Any amortization schedule shows you a continued decrease in interest payments over time. This is not the case with Citicards. My interest charges are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not increase the amount owed on this loan.