davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

In XX/XX/2020 my wife and I closed a refinance of the mortgage that had then been on our home. Our first payment was due on XX/XX/2020 and I had planned to make it on XX/XX/2020 knowing such payment would be applied as of the due date. In the intervening time COVID-19 struck and the federal government issued a variety of guidelines for mortgage loans owned by XXXX and XXXX. I confirmed my loan was owned by one of the XXXX and decided to seek a forebearance as I was concerned about income from my part-time practice of XXXX. Months later my XXXX practice income had become non-existent and my wife and I decided we would seek to exit forbearance since we knew what our base income would be. After multiple attempts to get our servicer 's attention we finally received a proposed loan modification with almost no time to review its terms prior to signing before a Notary. After some time I finally had a chance to actually review the numbers and found them to be less than accurate. Since I spent 27 years in financial services I have a bit of experience in this regard. When I contacted my servicer, Quicken Loans, to express my concerns I was then told not only were the figures accurate but the post-dating of an escrow analysis was being added to the mix. I have now contacted the CEO of Quicken 's parent as well as my US Senators about this problem. As many servicers do, Quicken uses the XXXX XXXX garbage system now known by the acronym - XXXX. I worked with the system in a one of its prior incarnations as XXXX/XXXX  - it is literally an ancient system which XXXX XXXX and its predecessors try to keep " current '' by adding a lot of middleware and exporting data. Clearly, their IT staff are largely clueless in terms of actual business knowledge however Quicken staff treat what I have already concluded, in my actual expert opinion, as erroneous is embraced by them. The net effect of this is that I am unable to effect an intelligent review of what I've identified by anyone at Quicken and am hopeful you can be of assistance in this regard.
Consumer complaint received 2017-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

In XX/XX/XXXX, I was unable to pay my mortgage through Loancare for that month. I made an agreement with them to pay the XX/XX/XXXX payment over a 4 month period on top of my regular payment of {$800.00} a month. So for the next 4 months I paid {$800.00} plus the {$200.00} for XX/XX/XXXX being over {$1000.00} on a monthly basis for the next 4 months. During those 4 months it was showing that I was late on my payment every month summing it up to {$50.00} in late fees. When I finished with the payment plan I called Loancare and inquired about this late fee that was accrued while I was on a payment plan. The customer service representative looked into account and confirmed I was on a payment plan and waived the fees. 
I still do n't understand why my credit report still is showing late payment when payments were made on time while I was on the payment plan fromXX/XX/XXXX-XX/XX/XXXX. Can you please assist me in updating my credibility by removing late payments during those months on my credit report? It is hurting my score. 

Thank You
Consumer complaint received 2021-03-24
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: Valor Intelligent Processing, LLC (DE)

On XX/XX/XXXX, An unknown person opened an account with XXXX XXXX using information that wasn't even close to mine. The {$160.00} was sent to collections after nobody paid. XXXX XXXX was negligent in not verifying information and responsible for this entire situation. 
On XX/XX/XXXX, XXXX XXXX assumed the account for collections and never sent me anything via mail. They called but the calls were suspicious and I thought it was Phishing Scam. 
In XX/XX/XXXX, I reviewed my credit and discovered this account had significantly impacted my credit score by negative 300 points. I disputed the account and it was deleted from my credit history. We have continued to receive mail and phone calls from XXXX  XXXX  regarding this account that has been verified as a fraud. XXXX  XXXX has since passed the account to Valor Intelligent Processing. I have spent at least 10 hours trying to have this account removed from my life and yet it continues to reappear despite XXXX XXXX acknowledging it was fraud.
Consumer complaint received 2017-12-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WLCC (WA)

On XXXX XXXX, I applied for and was approved for installment loan of {$1000.00}. Spoke with someone on the phone who confirmed the approval status and sent me a signed and loan agreement as well as a confirmation number in an email. Told me my loan would be funded the next day. 

Late in the day of XXXX XXXX, I received notification of a small " problem '' and I would have to sign a new loan agreement with a substantial increase in monthly payments. When I inquired why the changes, I was told that the other loan agreement had " expired ''. The agents of this company was very rude, condescending and refused to give last names, indicating to me, nefarious intent ... they REFUSED to honor the original signed agreement with the lower payment schedule ( enclosed )
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (NY)

I believe I was a victim of social engineering by a company called XXXX. They're a complete scam, but the company I am complaining about today is Ally Bank. Under regulation E they are responsible to issue a refund for cases of social engineering. The reason I believe this is a case of social engineering is because the hotel results were displayed by XXXX on their booking section so I had no reason to doubt it. I made a purchase on XXXX, XXXX, XXXX  for the amount of {$820.00} through my Ally Debit card. It wasn't until I called the resort to verify the voucher that I realized I've been duped. I've been trying to get my money back with the help of Ally for over 6 months but they haven't been very responsible. Their evidence for denying the dispute is that they contacted XXXX and were told that it's a valid ticket. What kind of evidence is that? I can provide a letter from the hotel confirming that the voucher is invalid. Ally Bank has to start taking legal, social, and ethical responsibility for disputes submitted to them. Currently they handle disputes with an attitude of It's your fault and we have evidence that the disputed transaction is valid. There's another blatant scam which they ignored, but for now I want to get my {$820.00} back for this case, and will submit the lesser fraud after.
Consumer complaint received 2021-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I received a job on XXXX to be a XXXX XXXX. The person asked me to drop my number so we could further talk about the position. They started off by giving me tasks. Creating vendor lists on XXXX. They then sent me a check for a deposit. These would be used to buy supplies. The check didnt go through so they asked me if I had other ways to pay. They said they would pay me back the following week and it would go on top of my salary. I didnt trust it, but I still sent the money anyways on XX/XX/2021 because I thought Id be able to just file a report and get it back. I had sent a total of {$2000.00} to them and I never got it paid back to me. They didnt respond to my texts after that or my calls.
Consumer complaint received 2021-03-24
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: Santander Consumer USA Holdings Inc. (FL)

Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX  Data Breach in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. 

These are the fraudulent accounts : XXXX/XXXX/XXXX  that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, SANTANDER  CONSUMER USA opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, and XXXX XXXX XXXX opened last XX/XX/XXXX.
Consumer complaint received 2020-04-22
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. (FL)

Im a victim of identity theft and I have given notice to Experian, XXXX, and XXXX about the fraudulent credit card account from XXXX XXXX XXXX. XXXX  and XXXX are in compliance but Experian has stated they can not block or remove this fraudulent account. I have given Experian my Identity Theft Complaint, Police report, and US Postal Inspector about the stolen mail and identity theft.
Consumer complaint received 2021-09-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (DE)

I did not receive notice for this debt before it was placed on my report. XXXX let me know that it was reported on there this week. Please send me a copy of the debt validation at my address. I dont even know what the bill is or who the com-any is from.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have a XXXX XXXX credit card reporting on transunion as a charge off and with a balance of {$200.00}, this account is paid with a {$0.00} balance and paid on time. I request that this account be deleted from my report ASAP! I also have inquiries on my transunion report that I did not authorize, XXXX, XXXX XXXX, and XXXX XXXX and I ask that they be removed promptly to reflect correct reporting on my transunion report.
Consumer complaint received 2020-04-22
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. (FL)

( XXXX true Identity theft ) 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 also i was a victim of the XXXX Equifax data breach several accounts on my credit report are not mine listed XXXX  Report Number : XXXX XXXX File Number : XXXX Equifax Report Confirmation # XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX xxxxxx XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XXXX XXXX {$36.00} XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information thank you so much and be safe out there wear a mask stay at home
Consumer complaint received 2017-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BC SERVICES, INC. (TX)

BC SERVICES INC is attempting to collect on debt already PIF with XXXX XXXX over phone several years ago. Needs to be removed ASAP. 

First amount is for XXXX XXXX XXXX XXXX CA : {$3600.00} Second amount is XXXX XXXX XXXX XXXX XXXX : {$1000.00}
Consumer complaint received 2016-10-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (AZ)

I bought a car thru XXXX XXXX in XXXX XXXX I had XXXX car payment late due TO THE XXXX SHUTTING DOWN FOR TWO WEEKS it was n't my fault that was out of my hands and they marked me late. Also I signed up for auto pay in XXXX of XXXX. THEY XXXX UP PAPERWORK AND DIDNT PUT IT IN FOR 3 months even though I talked to their representatives and they told me it would only take 10 days from the date they received it. It took them three months. So that is not my fault that they XXXX up but they have marked me late XXXX. So a total ofXXXX late payments which was n't my fault. I can not help if XXXX shut down and we did n't get paid on time. And its not my fault that their employees do n't put paperwork in on time. I am still paying on car and, my monthly payment comes out every XXXX of month now
Consumer complaint received 2022-04-01
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. (FL)

My name is XXXX XXXX, and this complaint can also be associated with case # XXXX. IF you look at that case the client clearly stated the following. 

" However, in an effort to resolve this matter, we have terminated collection efforts on the debt and requested the credit bureaus to delete our tradeline. '' I need this account updated asap and this trade removed from my file asap and an updated credit report sent out to me asap. 

Account name XXXX XXXX XXXX Account number XXXX XXXX Report # XXXX
Consumer complaint received 2021-03-24
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: WELLS FARGO & COMPANY (FL)

Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX  Data Breach in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. 

These are the fraudulent accounts : XXXX/XXXX/XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX/XXXX  opened last XX/XX/XXXX, XXXX XXXX XXXX/XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX/XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX/XXXX  opened last XX/XX/XXXX, XXXX XXXX XXXX/XXXX  opened last XX/XX/XXXX, XXXX XXXX XXXX/XXXX  opened last XX/XX/XXXX, and XXXX XXXX XXXX/XXXX  opened last XX/XX/XXXX.
Consumer complaint received 2022-09-11
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX : XX/XX/1989 Last 4 of social : XXXX To whom it may concern, There is an ID Fraud Alert listed on my credit file, it was placed on my file on XXXX as of XXXX I no longer need this fraud alert or Extended Alert listed on my file, I have attached a notarized copy of my address. 

Thank You, XXXX XXXX
Consumer complaint received 2018-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates placed a negative Charge-Off on my account before XX/XX/XXXX. They were not licensed to collect in the State of Florida until XX/XX/XXXX. I have attached my credit report dated XX/XX/XXXX to this complaint. 

Portfolio Recovery Associates has been illegally reporting delinquent information to the credit bureaus, I am asking that this information be deleted.
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NV)

My escrow account was debited {$450.00} on XX/XX/2021 to cover wind damage insurance. This was despite numerous attempts on my part to provide the company with proof that I am already insured for this by the condominium association that provides for this. 

In XXXX, the mortgage servicer LoanCare , LLC requested that I upload a copy of hazard insurance documentation to a website they directed me to, which I did. I took me less than half an hour to get the info off of the webpage of my condo association and send it to them. Then the company wrote to me saying the info didn't show coverage included wind damage. It did, and I uploaded specific sections of the policy, and also had the insurance representative contact the company to clear up any questions. This all happened during a pandemic, and though it sounds simple enough, because their phone system is so Byzantine and customer service so poor, it has taken me over eight hours of my time to be on hold, talk with a person, and satisfy them that the insurance is in place. 

They still took the money out of my account, but when speaking with them, they have acknowledged that it was an error, that the insurance required is in place and they will refund my escrow account money once they receive the refund from the insurance company. I have requested that their error should not impact my escrow balance and that they should refund my money immediately, but my request to speak with a supervisor was ignored. 

This sounds perfunctory and should have been resolved quickly, but in actuality it took me hours on the phone, numerous written communications and has been frustrating to have to work on, all because of their incompetence, which they freely acknowledge. 


My loan number is : XXXX Their website address is : https : //www.myloancare.comXXXX XXXX XXXX Their telephone number is : XXXX Their address is : XXXX XXXX XXXX  Attn XXXX XXXX XXXX  XXXX, VA XXXX I can provide dates and times for the phone calls and letters if these are needed. Please help me, thanks
Consumer complaint received 2023-02-20
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. (PA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX  XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XXXX  XXXX Balance : {$36000.00} XXXX XX/XX/XXXX
Consumer complaint received 2019-05-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX have garnished from my salary because of my debt, but refused to give me satisfaction of writ of garnishment.Until now this law group had continued to garnish money from my salary for another account that had been dismissed from the court twice.I hope you can help me resolve this situation.
Consumer complaint received 2021-02-09
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

In XX/XX/XXXX, I looked at my credit report and noticed an account with Toyota Motor Credit did not look correctly reported. I started by writing to credit bureaus to investigate the matter but it always kept coming back verified. 

After sending several letters to the credit bureaus and getting no where, I wrote directly to Toyota Motor Credit. My first certified letter was sent on XX/XX/XXXX. I did not receive a letter or any statement from Toyota Credit Motor. After no response, I wrote another certified letter on XX/XX/XXXX to Toyota Motor Credit. They still sent no information to me about this account. 

I wrote back to the credit bureaus on XX/XX/XXXX to inform them that I have been reaching out Toyota Motor Credit and they have not sent me any information about this account and requested that it be removed. I received an update from XXXX stating that the account has been updated with updated information. After looking at the report, there was no information updated on it. I am not sure how the credit bureaus were able to get information from this company, but I have not received anything. For 3 consecutive months in XXXX, its reporting that this vehicle was repossessed each month. I am not sure how a vehicle is picked up for 3 consecutive months without any communication to the account holder. 

I would really like your assistance with this account. At this point, I would like to have the account removed from my credit report.