davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-19
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXX   XXXX {$18.00} XXXX   XXXX {$670.00} XXXX XXXX XXXX {$3500.00} XXXX XXXXXXXX XXXX   XXXX {$770.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXXXXXX {$670.00} XXXX  XXXX {$840.00XXXX XXXX XXXX XXXX {$16000.00}
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH,XXXX  I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addressesXXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX OH, XXXX XXXX  XXXX   XXXX XXXX OH, XXXX XXXX XXXX  XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX OH, XXXX,
Consumer complaint received 2018-12-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (RI)

Due to recent health issues I was not paying very close attention to my mortgage. I just paid it. I realized in XX/XX/XXXX that my payment increased by XXXX PER MONTH and had been that way since XX/XX/XXXX. I called myloancare and they stated that my town taxes increased dramatically from XXXX a year to XXXX per year. I went to the town hall and they said I missed the homestead exemption. We calmly spoke and they said we can fix it it will take a month till the board meets on XX/XX/XXXX. The town met and sent me an abatement letter and a copy of the taxes backdated to the beginning of XX/XX/XXXX stating my taxes are in fact XXXX per year. I immediately sent the letter and abatement to my loancare, confirmed they received it and they said they would run an escrow analysis and fix it on XX/XX/XXXX. In the meantime I have overpaid by XXXX dollars without XXXX XXXX payment even being made yet. I received an email on XX/XX/XXXX from my stating that myloancare sent the Town of XXXX another XXXX dollars in tax payments that wasnt even due until XX/XX/XXXX verified by XXXX at the town of XXXX tax office XXXX. She said why did they send that and why would they do that " WE SPOKE TO THEM " AND TOLD THEM YOUR TAXES were XXXX per year. After the escrow analysis was marked as completed on XX/XX/XXXX by my loancare they update my account stating that my taxes are XXXX dollars per year and my payment was still XXXX higher than it should be at XXXX per month. When they have a black and white paper stating my XX/XX/XXXX and XX/XX/XXXX taxes are XXXX per year and spoke to the town and verified it with XXXX. They have refused to fix the account and refund any monies owed to me and just keep giving me the runaround. The stress of calling everyday and disputing the same facts with different people on any nornal time would be too much never mind with health issues and at XXXX time and being out of work but NEVER MISSING OR delaying any payments. Please help me please. They know they have the power and are just bullying and not doing what they are supposed to. It is very very wrong. And this stress is not healthy. I just want to pay my mortgage and not have to deal with this sham of a company.
Consumer complaint received 2022-08-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

This is a continuation from case number : XXXX and case number : XXXX. 
The issue : My account is showing as past due. My credit report is now showing 30 days past due - causing my credit score to drop and I have a late charge on my account. 

Situation : XX/XX/XXXX - XXXX XXXX- Received a call from XXXX, she let me know XXXX is no longer with the company. She is reviewing my calls. She hopes to have the issue resolved by this XXXX  XX/XX/XXXX. 
XXXX XXXX XXXX- I called XXXX and left a vm asking for her to return my call.

I checked my account online and it's not updated. I let her know this is the 3rd call I've made to her without a response. 
XX/XX/XXXX XXXX - XXXX called me and let me know a credit was placed on my account for {$1300.00}. XXXX said is going to advocate for a full monthly payment to be credited to the account. She will follow up with me on Wednesday XX/XX/XXXX or Thursday XX/XX/XXXX the following week. She also let me know she would remove the late fee on the account ( XXXX, XXXX, XXXX ) Please review ALL calls. 
XXXX and I spoke multiple time on XX/XX/XXXX because we were not in agreement with how the money was lining up on the account. 
XXXX never followed up with me to confirm if the full payment would be credited, it wasn't until I received a note on my door on XX/XX/XXXX and called in that I found out nothing was done. Since then, I've called XXXX three times left a voicemail each time and I have not received a follow up call yet. A field inspector came to my house and left a note on my door to call Loan Care - That is unacceptable considering all the back and forth communication I've had with the company. That tells me there are not clear notes on the account.
Consumer complaint received 2022-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I canceled my account with Citibank {$200.00} secured balance and now they keep charging me late fees. 

XX/XX/XXXX LATE FEE- XXXX PAYMENT PAST DUE {$40.00} Date Description Amount XX/XX/XXXX INTEREST CHARGED TO STANDARD ADV {$1.00} XX/XX/XXXX INTEREST CHARGED TO STANDARD PURCH {$2.00} Total fees charged in XXXX Total interest charged in XXXX  Days in billing cycle : PURCHASES Standard Purch 24.74 % ( V ) {$120.00} ( D ) {$2.00} ADVANCES Standard Adv 27.49 % ( V ) {$49.00} ( D ) {$1.00} Customer Service XXXX XXXXXXXX www.citicards.com Total fees charged in this billing period {$40.00} Total interest charged in this billing period {$4.00} {$200.00} {$29.00}
Consumer complaint received 2022-09-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc. (DC)

I keep tabs on my credit regularly. I don't have the best credit in the world. However, I ensure everything gets paid on time, if not early ; nothing is or has been in collections for over ten years. All my credit cards are almost maxed out for various reasons, and I have two other personal loans. The goal behind going to Lending Tree was to consolidate everything down into one loan so I could lower my monthly payments. 

On XXXX, I went to XXXX to see about getting a personal loan. I completed all the required information. At XXXX point, the website showed me my credit score. The number was XXXX. I was in absolute shock. A XXXX is XXXX point away from being labeled as having " BAD '' credit and a XXXX is FAIR credit. 

After the initial shock of seeing XXXX as my credit score, I stopped the application process and immediately logged into my XXXX account. Had I been hacked, was I the victim of identity theft, had all the hard work I done over the years been for nothing? I pulled all three scores. The results were astonishing. XXXX XXXX, XXXX XXXX XXXX XXXX a XXXX difference. What the what? I was blown away. The actual scores put me in the solid " GOOD '' credit range. 

Admittedly, I am unclear how companies like Lending Tree make money. I would guess they are given a cut of the total value of each loan referred. In my mind, a higher loan value ( principal plus interest ) equals a higher payout for the lending trees of the world. 

If Lending Tree is telling their business partners that I have a score XXXX points lower than my actual rating XXXX. I will not get as many offers ; I look at a higher risk of default. 
2. The offers on interest rate offered is going to be exponentially higher, which means higher total loan value. 
3. After the loaning company runs a hard credit inquiry and finds the correct, higher score, there is no incentive for them to lower this interest rate. Why would they? They figure you are okay with paying a higher one. 

In addition, when you log into your Lending Tree account there are all kinds of links to other products that they recommend. All of which are tied back to your credit score. 

When I called the XXXX number to see how to rectify this, I was told they had never heard of this before and did not have any way of making changes. 

The way I see it, the lending tree is preying on individuals desperate for cash which might be struggling with understanding credit history, credit scores, and other topics of personal finance. They are deceiving the applicant for higher gain. I am not saying Lending Tree should not make money ; they absolutely should ; they provide a service. They should not be cheating the system and making people who already struggle with finances pay more. Talk about kicking someone while they are down.
Consumer complaint received 2022-03-25
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. (NV)

I never received a notice of sale!! The amount is incorrect!!! That is inaccurate information!!! The Credit Bureaus are reporting XXXX as a Repossession when originally it was a credit sale!!! Inaccurate information!! XXXX is reporting over {$13000.00} Equifax is reporting {$9700.00} and XXXX is reporting {$9200.00} XXXX different amounts so how was this verified? Therefore its an error or a lie!! This could not have been verified properly if its XXXX different amounts!!! Also, I have enclosed documentation proving this is all inaccurate information based on all of the technicalities!! According to the FCRA!! I have the right to a fair credit report but if youre allegedly reporting this as a repossession then why are you still reporting late payments on my report? An error or a lie!! Therefore this should be immediately deleted off of my Report!! Also according to the Nevada of Limitations They Also violated Repo laws!! According to the FCRA it has to be reported XXXX percent accurate!! This is all inaccurate information therefore should be deleted off of my Report!!! Also this was an illegal repossession which took place on private property!!! They unlawfully trespassed on private property!! The repossession took place on XXXX XXXX XXXX!! Its no trespassing on private property!!! This is illegal in the state of Nevada!! Breech of Peace!!! I also have the right to an attorney if this is not immediately deleted off of my report!! The vehicle allegedly sold in auction for {$4300.00} according to XXXX yet they are reporting late payments but offered a settlement of {$5000.00} all inaccuracies and technicalities that should be deleted off of my Report immediately!! 
Please delete XXXX  Immediately!!
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (UT)

Equifax continues to bill me $ XXXX after I have called more than 4-times spending countless hours on the phone with equifax representatives and have requested they cancel this service and credit my the funds charged as I have never received the service I paid for. I have no access to my equifax file, credit monitoring has not been cancelled and equifax keeps billing me. Equifax representatives told me the service will be cancelled and I would be credited. Neither of these has happened and I keep getting billed
Consumer complaint received 2022-07-29
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-29
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. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX # XXXX Account Name XXXX XXXX XXXX  # XXXX Account Name XXXX XXXX XXXX XXXX Account Name U S Dept of EDXXXX XXXX XXXX XXXX Dept of EDXXXX XXXX XXXX have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2020-07-28
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. (TX)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXXXXXX {$25000.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX  XXXX {$18000.00}
Consumer complaint received 2022-09-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NC)

I have submitted 2 disputes through my bank in XXXX and Paypal received those disputes on XXXX XXXX i immediately called to cancel the disputes on PayPals end and called my bank to have the disputed cancelled. I was advised that my bank needs to reach out to PayPal to have the disputes closed. When i called my bank they informed me the dispute was closed and that they have contacted PayPal that the matter was resolved. PayPal refuses to cancel the dispute on their end after me calling in with my bank to confirm closure, me sending in emails to provide proof the dispute was cancelled on the banks end and also me speaking to multiple supervisors to have this matter " escalated ''. When asked when the escalations were done I was advised on XX/XX/XXXX and XXXX. The agent informed me that the " backoffice '' team did not respond to them and will not close the case until XX/XX/XXXX. I have done EVERYTHING PayPal has asked and they are sitting on the information that was received months ago until the last day. I was also advised that the " backoffice '' team did not begin investigation in this matter until a few weeks ago. This case has been open for months and they have refused to handle this matter in a speedy amount of time regardless of my request. Also they refuse to close my account since the disputes remain open. I have asked countless times to close my Paypal account per my wishes and have been informed until Paypal decides to close the dispute they will not close my account. I want my resolution to this matter resolved immediately and also my account closed immediately as is my right!
Consumer complaint received 2022-09-24
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: Auto Trakk, LLC (KY)

I have disputed the inaccurate reportingS with XXXX, XXXX, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, AUTOTRAKK Account Number XXXX XXXX is reporting an open date of XX/XX/2018, XXXX and XXXX have an open date of XX/XX/2018. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX and XXXX considered to be furnishers? These accounts do not belong to me and XXXX, XXXX and XXXX have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Consumer complaint received 2022-08-19
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. (ND)

I have 1 previous addresses and 3 previous employers that are completely wrong. Also unauthorized inquiries that need to be deleted.There are accounts that are not mine and not late and charged off
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Someone use my information in another state to get open an account and also medical treatment without my knowledge until I pulled my credit report. I have already submitted all documentation to all parties involved and have not received any documentation showing that this belongs to me. They all failed to verify the information but still have it on my credit report. Please delete all this fraudulent accounts on my report.
Consumer complaint received 2021-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (SC)

I disputed this company several times and have NOT received any debt validation pursuant to 15 USC 1692g. The company did not give me the opportunity to dispute this debt before inserting it on my credit reports. I've contacted the company many times and have NOT received any response from them in hopes of rectifying this matter. I will also file a complaint with the Federal Trade Commission, XXXX XXXX XXXX, and the Attorney General of your state. I will also seek damages in civil court.
Consumer complaint received 2020-07-28
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name DPT ED XXXX XXXX {$420.00} DPT ED XXXX XXXX {$14000.00} XXXX XXXX  XXXX {$420.00} XXXX  XXXX {$740.00} XXXX XXXX  XXXX {$460.00}
Consumer complaint received 2022-09-22
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXXDOFEDXXXX XXXX  XXXX XXXXDOFED XXXX XXXX XXXX U SDEPT OF EDXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (ID)

XXXX of 2022 I went through the process of requesting to remove PMI from my mortgage loan through the provided avenues that PHH outlined. To date, XX/XX/2022 they have yet to provide an appraisal to determine my PMI eligibility and continue to provide false promises of escalation to managers, lied about an appraiser being assigned to the account and refuse to provide any resources to speak to the PMI department. I paid a fee of {$150.00} for this service that was cashed on XX/XX/2022.