davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CO)

I contacted Receivables Performance Management ( RPM ) escalation dept. on XXXX XX/XX/XXXX to resolve this claim. I submitted the account number which was filed with XXXX  and explained this was not my account. I contacted XXXX billing to have this account removed from my name on XXXX XX/XX/XXXX. I also filed a complaint with CFPD to have this removed from my credit report. 
RPM responded that they do not have an account with my name under their customer XXXX, yet the will not remove this collection claim from my credit report. 
Below is a screen shot of their claim on my credit report : General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name RECEIVABLES PERFORMANCE Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$600.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$600.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$600.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX XXXX has not provided any information to me, as required by law, that would allow me to understand the nature of this claim. I have not been provided any statement of validity or details surrounding this claim. 
I do not have any past due accounts with XXXX, I do not have any accounts with XXXX.
Consumer complaint received 2018-02-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (OH)

This time last year I mail in a payment of XXXX twice in the month of XXXX, the mortgage company contacted me stating they could not find the money orders. I faxed over a copy of the reciepts for money orders and then they said they found one and not the other. Finally they found the other by then it was two three months later which put me behind a couple payments at the time. I tried to do a pay down payment plan for payments that where behind I was told to do loan modification and I went through that process but keep getting the run around on that, I sent in all paperwork from income verification and bank statements, everytime sent these items in they add a different month on these documents. I just sent another round of documents which also included my wife 's income and now they saying they need more bank statements and proof of income again I have sent these documents several times, I am desparetly trying to stay in my home and keep getting the run around meanwhile money is incruing on this account. please help save my home.
Consumer complaint received 2021-03-02
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. (NY)

This is showing up again. I spoke with XXXX- this never should have been charged to me. I had nys no fault AND private insurance AND NYS Medicaid as I was pregnant. They advised me they would be removing it. 

Now its back on my credit report, apparently from a collection agency, that I have never heard from either.
Consumer complaint received 2015-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company (AK)

Freedom Mortgage originally said that they would give a {$2900.00} credit to lure me in. On XXXX XXXX, they then gave me a good faith estimate ( GFE ) for {$1700.00} in credits with no origination fees and then another worksheet that said I would be getting an additional {$1200.00}. They said that they could not put the total credits on the GFE, but would give me the {$2900.00} credit. I did sign this GFE. Then, on XXXX XXXX, they gave me a new GFE for a credit of only {$880.00}. I do not know why they can not put the total credits on the GFE like other mortgage companies. This seems kind of sketchy.
Consumer complaint received 2021-08-12
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: TRUIST FINANCIAL CORPORATION (OH)

My credit report shows multiple hard inquiries on XX/XX/2021 for auto financing. I did NOT authorize any of these banks to run my credit. I am suspicious that a car dealership illegally sent my information to these banks without my consent and attempted identity fraud. Regardless, I have no knowledge of any application sent to the banks and did not apply for credit with any of the banks. Below is a list of inquiries from XX/XX/2021 on my XXXX  credit report. 

XXXX XXXX XXXX XXXX XXXX - XXXX applications on same day! 
XXXX XXXX XXXX XXXX XXXX Below is a list of inquiries from XX/XX/2021 on my XXXX  and XXXX  credit report. 
XXXX  XXXX XXXX XXXX
Consumer complaint received 2019-06-02
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. (NC)

On XX/XX/2019 I received my return certified mail receipt back through the mail. Equifax and XXXX did not do a thorough investigation of the accounts that I had disputed which include XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I was alerted through email that the investigation was already completed on XX/XX/2019. 

So, I am asking that Equifax and XXXX  under FCRA 611 ( a ) regarding erroneous item on our credit report involving a transaction with XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list  of all documents and correspondence with XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. Please include all names and contact information of employees that you spoke to as part of this investigation. 

I am asking for verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this complaint. 

I expect to receive a response within 15 days of receipt of this complaint, or I will expect to see the items in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very respectfully, XXXX and XXXX XXXX
Consumer complaint received 2021-03-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

I was offered a loan modification which turned into a 2 year fiasco, now, i have repeatedly asked for copies of many documents with no response. My escrow account is a total mess, i have no idea how it is being managed as well as my payments being returned to the bank, numerous property inspections for which i have requested info on and Nationstar/Mr Cooper never responds to any of my requests,
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

I contacted Navient Student Loan Service at XXXX and asked why my monthly payment reflects an inflated and incorrect amount. This information is affecting my credit score and my ability to exercise my consumer rights to credit based on my credit score. Navient informed me that they do not know how to fix the problem. A supervisor advised me to file a complaint and they would note the account accordingly, so the issue may be corrected when CFPB contacts them. 

My current payment is {$110.00}. My credit report shows $ 700+ monthly payment. My payment has never been $ 700+ a month, so I do not have an explanation for the error.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2021-09-13
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)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2021 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX/XXXX  XXXX CB/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX, FL
Consumer complaint received 2019-06-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WI)

The school no longer exists due to fraud. Navient states the Board of Education is investigating the school. It has been over three years. No results. Navient does not recognize my forty years as a XXXX since I did not work for a public entity. My service in XXXX as a medical service specialist is not considered in this matter. I qualify for forgiveness in regards to my service to our country and community. I am unable to get a VA loan for housing due to the fact my credit has been disrupted by this company. I am now XXXX years old who reached no resolve with this monetary institution. 
At present, I am in forbearance owing a {$170000.00}. I am fighting XXXX XXXX and XXXX at this time. I would like to know my purpose here was worthwhile by serving our country and community. 
I appreciate your indulgence.
Consumer complaint received 2020-07-20
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: Experian Information Solutions Inc. (TX)

For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report.
Consumer complaint received 2019-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I called USAA today XX/XX/ to dispute a banking transaction. The bank refused to allow me to dispute the transaction because the payment, which cleared yesterday, was moved to a pending status. Bank would not file dispute for the transaction or provisionally credit my account.
Consumer complaint received 2022-09-13
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. (CA)

Credit reporting agencies constantly report fraudulent information even after properly disputing and demanding they remove the unfair, fraudulent accounts, statements and inquiries. XXXX are negligent and non compliant.
Consumer complaint received 2020-08-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (IN)

On XX/XX/2020 at about XXXX RMP LLC contacted me about several medical debt did not properly verify before disclosing HIPPA info also refused a verbal request for VOD. Stated the VOD is the same as requesting a bill and it can only be request in writing. Refused to send VOD because nothing have been place in there office in the last 30day.
Consumer complaint received 2021-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE SENT OUT MULTIPLE DISPUTES REGARDING FRAUDULENT INFORMATION ON MY CREDIT REPORT. THE LAST DISPUTE I SENT OUT WAS XX/XX/2021. THERE HAS BEEN ZERO RESOLUTION TO MY CREDIT REPORT AND I UNDERSTAND THAT WHEN CLAIMING ID THEFT AND FRAUD THE BUREAUS ONLY HAVE 4 BUSINESS DAYS TO REMOVE THESE ACCOUNTS. ITS BEEN MONTHS AND NOTHING HAS BEEN SOLVED. I AM VERY DISSAPOINTED, THIS IS HINDERING MY ABILITY TO BUILD MY BUSINESS, I AM STRUGGLING FINANCIALLY AND THIS ISNT HELPING. PLEASE HELP.
Consumer complaint received 2020-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report.
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (MO)

In XXXX I tried several times to make an online payment, and to call in and make a payment. They kept saying there was a system error and that I needed to go to a local 5/3 location to pay. I don't have a local 5/3 location. Every time I tried to pay them I got this same error. I called and spent hours on the phone and they could never help me resolve the problem. buy the time I was able to make an online payment. it was considered late. and they charged me a late fee and reported me delinquent to the credit reporting agencies. This has happened several times in other months as well. Unfortunately, in this case it was to late for me to mail a payment. I was finally able to make a payment XX/XX/2018 for XXXX. but I was trying to pay the balance in full. It would not let me make a larger payment. I feel like 5/3 is intentionally causing error to get late fees. or in the very lease being negligent in addressing the issues to help clients make their payments. I spent hours on the phone. I have never had a 30 day late. and this is the second time it has happened with 5th third. both surrounding the same circumstance. they refused to correct the credit, and told me they don't save the notes. I paid the remaining balance of by mail, immediately after.
Consumer complaint received 2015-09-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

I have received notification of a late monthly payment from GreenTree now called Ditech Financial LLC ( I think ). I previously requested supporting data from GreenTree of what month a payment was missed. I did not receive documentation to support that. I did get paperwork that looked like creative corporate accounting of late fees and interest charges. 
I pulled about four years of automatic payment records ( my mortgage payment has been set up to automatically pay every month for over 10 years ) from my credit union ( XXXX ). What I saw was a faithful printout of the monthly mortgage being sent out like clockwork at the same time each month for years. 
I do n't know where or why there is a discrepancy, but there seems to be. I suspect that GreenTree and now Ditech Financial are racking up fees and interest charges. 
I 'll say the same thing now I said before " show me the month that the payment was missed and I 'll pay it ''.
Consumer complaint received 2021-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NC)

On XX/XX/21 I was involved in a scam via Zelle in which I lost {$2000.00}. I filed a claim with my bank through which the transaction was performed on XX/XX/21. I received written documentation on XX/XX/21 that they denied my claim and suggest I contact the scammer and ask them to return my money. I contacted my bank on XX/XX/21 and was told it would take a lot of time and effort to track where my money ended up and there was nothing they could do for me. I don't feel like my bank is doing their due diligence to investigate this and is not acting on my best interest.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (MO)

THE CREDITOR WAS CONTACTED AND MADE AWARE THAT THE REPORTING OF THE ACCOUNT WAS INACCURATE AND IS CAUSING DAMAGES TO MY CREDIT REPORT. THE LATE REMARKS -XX/XX/2020, XX/XX/2020, XX/XX/2020 XXXX
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (FL)

I made a credit application with Chase XXXX XXXX after reviewing the program on XXXX and XXXX, both of which identified that the {$85.00} annual fee is waived the first year. My first statement came in with the {$85.00} enrollment fee. I called customer service and they acknowledged that their website does offer that and that they would review and probably refund the {$85.00} fee. I received a letter two weeks later saying that I made application with a different offer and that I owe the {$85.00}. I called customer service and explained the situation. The response from both the representative and supervisor on XX/XX/18 was sorry there is nothing we can do. I immediately cancelled the card for fraudulent and misleading business practices.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX Account Number : XXXX TXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-08-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/2020 - I paid XXXX XXXX of XXXX XXXX XXXX  {$900.00} through XXXX, by way of Bank of America for parts he claimed I needed for my home appliances. He was supposed to complete the repairs on XX/XX/2020 but cancelled the morning of. 

XX/XX/2020 - I received a 2nd opinion from another appliance repairman who informed me that the parts and services XXXX XXXX claimed I needed were false and unnecessary. He used deception to get me to pay him {$900.00} for services that were not needed. 

XX/XX/2020 - I called my bank, Bank of America, to report a XXXX transaction of {$900.00}. I was told by the Bank of America agent that it would be investigated and if it was determined to be fraud, then they would attempt to withdraw my funds from his account. 

XX/XX/2020 - I called Bank of America back to request an update for my claim. I was told by this agent that the first agent provided me with false information when she told me that Bank of America would make an attempt to retrieve my funds from the receivers bank account. This agent informed me that my claim was considered a scam rather than fraud and they could not retrieve my money. 

Bank of America did not make it clear that there is a difference between fraud and scams and XXXX offers no protections against scams. XXXX states on their website that consumers " may not be able to get your money back '' if the victim of a scam but that statement is not definitive. The first Bank of America agent I spoke to provided me with false information stating that an attempt to withdraw my money from the receivers account would be made. I don't understand how Bank of America could allow these things to happen to their customers and why there are no protections in place.