davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Transunion deleted XXXX XXXX and they two weeks later added back to the credit file, this a clear violation of the FRCA and FDCPA!
Consumer complaint received 2021-04-23
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. (PA)

so Ive been struggling to correct inaccurate reporting on my credit report from XXXX XXXX XXXX. They've reported missed payments that I hadn't been notified prior to the beginning of the first inaccuracies. I didn't received any emails, mail or phone calls from them. At the time of these inaccurate payments I've been in deferment and forbearance. On top of that they have me late 90 days in one month which prior 's to that is say " no Data available '' how can I be late 90 days in one months if there is only 30 days in a month. I've reach out to to All 3 credit bureaus certified mail multiple times with all this information! I provided so much proof of these inaccuracies and I don't know what to do next. I have my forbearance and deferment history which I will be providing.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've recently checked my credit report and noticed some inaccurate accounts reporting. 

XXXX - XXXX/XXXXXXXX {$590.00} ( I provided documentation the supports this account was opened fraudulently ) XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$770.00} ( I provided court documentation that I am not legally responsible for medical debt per court order ) XXXX XXXX  XX/XX/year> {$790.00} ( requested account validation ) XXXX - XX/XX/year> {$1600.00} ( requested account validation ) XXXX XXXX XXXX - XX/XX/year> {$3100.00} ( requested account validation ) XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$4800.00} ( I provided court documentation that I am not legally responsible for medical debt per court order ) XXXX XXXX XXXX XXXXXX/XX/year> {$4800.00} ( requested account validation and signed contract, document provided is not my signature or correct address, it was computer generated )
Consumer complaint received 2020-07-14
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$820.00} XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX   XXXX {$100.00} XXXX XXXXXXXX {$7700.00}
Consumer complaint received 2020-07-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (LA)

I tried to make a money transfer through Western Union the transfer was made but then days later they cancel the transfer as of this day I have not received my refund the refund amount is {$140.00} they have been sitting on my money for almost a month I emailed their customer service and that has been no response I called him and all they can say they're working on it but they're not sure when they're going to release the money I want this money returned back to my account. And I will make sure that I never use Western Union again also I will make sure family or friends will never use this company or if I run into strangers I will make sure that they never used this company. 
There's companies out there that is much better than Western Union Because you cancel the transfer your agreement is broken so you must return the money. 
I'm not sure what the problem is and I do not care just refund my money.
Consumer complaint received 2020-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

This is a Delta SkyMiles Platinum American Express card. Although I can not fly nor are there even future flights available ( the schedule is reduced, and I understand why of course ) they still billed me the full annual fee in XXXX. {$450.00} I only own this card for the benefits while flying + the miles earned.

I suggested two solutions. 1. I would split the membership fee with them. 2. Defer the billing of the annual fee until the flying situation was clarified - I could travel leisurely or for business as a non essential worker. 

Their response triggered this complaint. It was not because they were rude or did not communicate pleasantly, both of which are true. It is because they repeatedly transferred me to other areas to SELL me either additional cards or travel services. They took my inquiry as an opportunity to try and get more money out of me. Not acceptable. 

Since I have paid the fee in full, but am a most dissatisfied customer. I believe it is AmEx that is guilty rather than Delta.
Consumer complaint received 2021-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servatus Corporation (CA)

Credit Solutions Corp was outsourced by XXXX XXXX to pursue DISPUTED DEBTS over XXXX years old. The DISPUTED DEBTS are TIME BARRED XXXX DEBTS which can no longer be legally pursued or reported. On XX/XX/21. Credit Solutions ran a HARD INQUIRY. After speaking with the Collection manager of XXXX it was mentioned that THE HARD INQUIRY SHOULD HAVE NEVER HAPPENED. I again, demanded that all tradelines be removed under FDCPA and FCRA laws and the response from XXXX, the XXXX was " these are due to fall off very soon. ", as an attempt to reason with the complaint brought forth. 

Credit Solutions Corp is taking advantage of their credit reporting and viewing abilities, in hopes of extracting payments for old zombie debts, by poisoning consumer 's credit reports, and claiming that the inquiries are for the purposes of location information, even though both creditor and collection agency have accurate information. This is a common practice for smaller debt buyers and/or collection agencies looking to extract funds from consumers who don't understand their consumer rights at the federal and state level. 

They will continue to run your credit report in hopes of driving down your score, 2, 3, 5, even 8 years after the disputed " last date of payment ''.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX Bank sent me a XXXX C debt discharged in the amount of {$2000.00} in XX/XX/2015. However they have reported this account to XXXX, XXXX, and Experian as Opened account more than 180 days late the amount being {$3300.00}. I have written all three credit agencies and I have sent them copies of the IRS form but they will not report this accurately. I now have a Compliance Condition Code placed on the credit reports and have been told in writing that this code will not be taken off until I agree that the information is being reported accurately. I have had hundreds of credit accounts in my 48 years of life and I have not ever been threatened to say something that is fraudulent and inaccurate.
Consumer complaint received 2018-06-13
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Orions Management Group, LLC (MO)

Orions Management Group has contacts me everyday via cell phone and calls my employer everyday. In the past they would tell me a XXXX is coming to my job to serve me papers to sue me but I can stop it if I make a payment to an account that I am disputing. This most recent time they called me and left a voicemail that said to call them back concerning a fraudlent transaction on my credit card which the account is not a credit card account and I do not have any credit cards with fraud on it. They are using abusive tactics to get me to pay the account and I just want them to stop and the account to be deleted. They need to NEVER call my job and I have sent a letter to them asking them to stop calling me. Please help me resolve this matter. 

Thank you
Consumer complaint received 2018-02-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

Dear CFPB, Please help me CARRINGTON MORTGAGE refuses to help me modify loan because they said is not on their best interest to help me keep my home. CARRINGTON MORTGAGE requested for my full application around 3 different times and now they are telling they are not going to review my application because they don't feel like it. 

Please help!!! all I'm asking is for help to keep my home.
Consumer complaint received 2020-08-19
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: Receivables Management Corporation (SC)

I have a loan with REC MGT CORP ( Original Creditor : XXXX XXXX XXXX ), RECEIVABLE ( Original Creditor : XXXX XXXX XXXX XXXX ), and REC MGT CORP ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, REC MGT CORP ( Original Creditor : XXXX XXXX XXXX ),  RECEIVABLE ( Original Creditor : XXXX XXXX XXXX XXXX ), and REC MGT CORP ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (NJ)

In XXXX of 2020, two car loan companies ( BB & T/Truist and XXXX XXXX XXXX  ) Stated they would provide 3 payments of relief due to the COVID-19 National Emergency and Business Shutdown. They denied such relief unreasonably and after multiple attempts to explain the situation and offer attempts to remedy the error they have failed to provide such aid and instead of providing relief reported to the credit bureau 's that I was past due. I have never been past due and my credit report reflected a 100 % on time payment rate prior to their failures. Following their failure to provide the relief they stated they would provide, I paid the accounts weekly and provided a payment agreement that stated " By accepting payment you agree to these terms. '' Terms that stated they would remove ALL negative credit reporting information among other  things. That agreement, which I consider them bound to, is attached. I have diligently paid weekly and they have refused to uphold their end of the agreement. 

At this time the account for XXXX XXXX XXXX has been nearly paid in full. And they have been paid weekly as agreed. They have accepted the agreements terms as they have accepted all checks sent to them. There is a small balance owed which can be settled by XX/XX/XXXX should the company agree to delete their account from my credit report. I am attaching the letter I will send to them regarding such. I have been attempting to dispute their false reporting to the bureau 's as well. XXXX XXXX  has been asked multiple times for Debt Validation. They have refused multiple times. I have sent them a final debt validation request that is now due XX/XX/2020. But I do not see them providing such information. Specifically, they refuse to explain in writing why they didn't provide the Covid-19 relief to me and why they continue to report my credit past due despite our agreement. 

At this time, BB & T/Truist has been paid weekly. They have accepted the agreements terms as they have accepted all checks sent to them. They are falsely applying these checks only to interest. I have attempted multiple times to gain Debt Validation and dispute the debt with the Credit Bureau 's. They refuse to modify their reporting in any way but still cash my checks even though our agreement states " Automatic agreement with these terms will commence upon receiving ANY payment from { ommitted } in regards to remedying this account. By accepting payment you agree  to these terms. '' I have paid these accounts through extreme financial hardship and my credit is being ruined for no other reason than these companies failed to provide COVID-19 relief after stating they would provide such relief. I am seeking government intervention and/or enforcement of the Fair Debt Collections Practices act which both the bureau 's and both loan companies are violating.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (CA)

I have reached out to company on multiple occasions as they continue to report the wrong amount currently due by over {$1000.00}. I have made on-time payments since the inception of the loan in XX/XX/2019 and have paid down a {$1000.00} of the loan, but despite reaching out to Net Credit, they continue to report the wrong information to credit bureaus. I owe approximately {$5300.00} and they continue to report {$6300.00} which shows I have made NO progress toward to repayment. I don't know why they can't report accurate information.
Consumer complaint received 2018-02-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Gatestone & Co. International Inc. (MO)

XXXX XXXX XXXX said in print my account # XXXX for phone # XXXX was 'month to month ' on their billing site. Haven't had a contract in over 10 years. XX/XX/XXXX changed carrier. No place on billing site to say " stop service ''. XXXX XXXX XXXX continued to charge me a monthly fee even tho there was NO activity on my account. They sent emails, but i thought they were ads to induce me to stay a customer, as my account said it was MONTH TO MONTH. Assumed that means if you don't pay, you don't have an account. I did not realize the account was accruing monthly usage fees ( FOR NO USAGE ) until they sent a collections letter in XX/XX/XXXX. XXXX XXXX XXXX says a " pay as you go '' account is the only account stopped if the next monthly payment is not received, and that my " month to month '' account can not be stopped simply by no payment and no activity. There is NO WAY on billing page to stop service. XXXX XXXX XXXX 's service personnel confirmed that. Also said they could not get into my account b/c it had already been sent to collections. Called phone # on letter from XXXX XXXX XXXX, they gave me collections # which is GATESTONE XXXX which is connected with spurious business practices re collections. I offered Gatestone $ XXXX/month to pay off this ridiculous charge. Gatestone threatened me with immediate credit ruination if i did not pay $ 63/XXXX. XXXX XXXX XXXX uses DECEPTIVE BUSINESS PRACTICES as well as a spurious collection agency to collect these unearned fees.
Consumer complaint received 2020-05-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

I had a procedure in 2017 at XXXX. XXXX Hospital did not send the bill to my insurer ( XXXX XXXX ) for over 6 months. This voided XXXX 's contract with XXXX XXXX and my insurer refused to pay them. They illegally sent collections after me because XXXX XXXX ( premium PPO ) refused to pay their late payment request.
Consumer complaint received 2020-06-27
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. (VA)

The accounts listed are unknown to me. My information was stolen and I have been complaining for years. SEND ME PROOF OF MY SIGNATURE WITH THESE ACCOUNTS SO I CAN SUBMIT IT AS EVIDENCE OF FRAUD. REMOVE THESE IMMEDIATELY!! 

XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$1200.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$470.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX - XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX  Opened DateXX/XX/XXXXBalance {$0.00} XXXX XXXX Opened Date XX/XX/XXXXBalance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00} Bankruptcy Discharged CH-XXXX Reference Number XXXX Amount {$0.00} Bankruptcy Reference Number XXXX Amount {$0.00}
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I HAVE TOO MANY OPENED ACCOUNTS PLUS NEGATIVE ITEMS THATS SHOWN ON MY CREDIT REPORT FOR ALL 3 CREDIT BUREAU AND THATS DECREASING MY SCORE EVERY SINGLE MONTH
Consumer complaint received 2021-04-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated (NJ)

In XXXX I had XXXX XXXX and XXXX, The XXXX XXXX XXXX  credit card I had with a balance of {$300.00} was charged of due to unable to pay which appeared on credit report. In XXXX I paid collection agency {$360.00} which was {$62.00} more than original balance on a charged off account to help me recover from my misfortune and health. The bank changed collection agencies and I was charged {$420.00} in late fees that have went into collections on XX/XX/XXXX from an account that was closed and charged off from XXXX I am XXXX and have neurological problems but this seems crazy and illegal to go after me 3 years later for late fees on an account that is already charged off on my XXXX and XXXX report. How can I have a collection and a charge off Trying to build my credit back up and from 3 years a collection account shows up for late fees not even the original amount of card this is not right both of these accounts from XXXX XXXX XXXX should be removed now this is fraud and harmful. Im sorry
Consumer complaint received 2019-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (FL)

On XX/XX/XXXX, I logged on to my Citi online account and noticed a balance due and that a payment had been made on XX/XX/XXXX which I did not authorize. My account had been paid off with a XXXX balance since last XXXX, XXXX. When I checked the transactions ( made XX/XX/XXXX XX/XX/XXXX ), I knew they were fraudulent as I have never been to XXXX and have never done a cash advance on my account. I immediately called Citi to alert them of these unfamiliar charges and alerted Citi that I was not the one that had made that payment on my account on XX/XX/XXXX. They immediately canceled my account and opened an investigation. The representative asked me for my security word which I provided and she advised me it was incorrect and that it had been changed. She also confirmed to me that the billing address on my statement had been changed to an address in XXXX. This in itself shows my account was hacked and this was a case of account takeover. I have never lived abroad nor do I know anyone in XXXX. 

On XX/XX/XXXX, I called Citibank to get status on my investigation. I confirmed to her I was disputing all transactions in XXXX. On XX/XX/XXXX, I called again asking for status once again. On XX/XX/XXXX I received correspondence that the investigation had been completed and I was responsible for the fraudulent charges. On XX/XX/XXXX, I spoke with XXXX who advised me that my investigation had been reopened. Then on XX/XX/XXXX I was able to speak with XXXX XXXX " Executive Response Team after many attempts to reach her and she advised that the investigation was closed as a CHIP card was used and I was responsible for charges. 

Not only did someone make a payment on my account, they also fraudulently charged items, withdrew money and hacked my account to change my contact information. Security on my account has been seriously compromised and my account was taken over without my consent. 

I have never been to XXXX and have my valid US Passport to prove it and can provide a certified copy to Citibank. I also requested that video be obtained of the place where the cash withdrawals were made in XXXX. This will further confirm that these transactions were not done by me or authorized by me. 

I did my duty in reporting it to you in a timely manner. They have not taken the time to investigate this fraud and security breach. 

I filed a police report today at my local police station to be added to this fraudulent claim file. 

I have an excellent payment history with Citibank and impeccable credit and can not let this blemish what I have worked so hard for. They just are not making an effort to assist me in a fair manner.
Consumer complaint received 2022-01-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

PHH has not given me due diligence to receive documents, and to respond to them in a reasonable amount of time. I received my mail today, Thursday XX/XX/XXXX. To my surprise, when I opened the letter, the items were due on the same day, today, XX/XX/XXXX. That gave me exactly 1 day to find all of the documents I needed. The letter from PHH is dated on XX/XX/XXXX, a Thursday, They gave me 14 days to get the document back, including 2 holidays, XXXX and XXXX XXXX 's Day, and weekends. I wonder what date they actually mailed the letter out since it would have been XXXX XXXX. The post office scanned the document to be delivered to me on Monday, XX/XX/XXXX. I received it on Thursday, XX/XX/XXXX. 

I must make a complaint about this because other people are probably being treated the same, and I am certain this is some type of regulation violation. 

Lucky for me, I have a service from the postal office that scans my mail, and dates when they received it, and will be sending it to me. If it weren't for this, I would be accused by the bank that I did not comply with their request.