davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-15
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Real Time Group, Inc. (CA)

Dear Real Time Solutions Please provide Assignment dated XXXX Title Policy dated XXXX Explain why Real Time Resolution does not appear on title report Who is Beneficiary Explain why Real Time Resolution did not respond to reopening of bankruptcy to file a proof of claim or respond to motion to VOID lien. 
Explain who should have responded Have RTR received copy of VOID lien from bankruptcy When were you noticed creditor had filed bankruptcy before or after Real Time Resolution purchased an I collectible debt - as there was no equity when Real Time Resolution purchased in XXXX while debt was in bankruptcy Why did you not notice bankruptcy attorney of record of purchase of servicing rights Real Time Resolution was not a creditor however appears to have known of bankruptcy XXXX XXXX XXXX sent a copy of reopened bankruptcy in XXXX that was forwarded to Real Time Resolution
Consumer complaint received 2017-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: ZIONS BANCORPORATION (PA)

This company submitted a hard inquiry to my credit report despite the fact that they have no permission from me to run my social security number and no credit card was requested by me. No "  XXXX  '' card exists in my name ( I have never heard of this company before ). I have disputed this issue in writing to the address below and have received no response. Because this is considered a " bank error '' by the credit bureaus, they have no power to remove them. This hard inquiry damaged my credit report and lowered my score. They must remove it in a timely manner and send the removal to all  XXXX  credit bureaus. Their contact information is below.      ZIONS MANAGMENT SRVC C   XXXX   XXXX ,   XXXX   Bank  Credit Cards   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  (  XXXX  )  XXXX
Consumer complaint received 2022-01-05
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (VA)

XX/XX/2012 {$54000.00} These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner.
Consumer complaint received 2022-01-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monarch Recovery Holdings, Inc. (NY)

https : XXXX XXXX XXXX XXXX XXXX Female caller refused to identify company claimed my son gave the number as his, which is a lie. This is not the first time this company has called me over a dispute with my son, who is an adult. Each time they say they are going to remove me from their data base. They lie. 
Today is XX/XX/2022 incoming call XXXX am
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (SC)

I received a call from Citicards about my account. I logged in online and saw that the autopay on my account had stopped and therefore no payment was taken and a late fee was charged. I paid the outstanding balance, and re-enrolled in auto pay. I asked for the late fee to be waived because I never requested that auto-pay stop, and I could not find any notice received that auto pay had been removed. Nothing changed with my bank information, and the other credit card on the account was still enrolled in autopay successfully. 

My request to have the late fee removed was declined. This outcome is unacceptable to me as I was enrolled to have my account paid automatically in good faith.
Consumer complaint received 2021-03-23
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (RI)

I had trouble with PayPal. Shortly before XX/XX/XXXX, they shut down my account and said I had violated their user agreement. Those messages are no longer visible to me in my account page, though they say they save messages for 90 days, and it did occur less than 90 days ago. When I asked what had happened, they said they could not tell me. Then, on XX/XX/XXXX they said they resolved the issue and reopened my account. However, I still could not link my credit card to their wallet. I again asked what the problem was, and they said they could not tell me. Finally, on XX/XX/XXXX, I got a live person to get the credit card signed up. I asked what the problem was, but again they said they could not tell me. I asked if this would affect my credit rating and they said it would not. My complaint is on their lack of transparency. If I had not pursued it, they sijmply would have dropped me with no explanation. I think that is wrong.
Consumer complaint received 2020-04-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

I refinanced my VA home loan through XXXX XXXX  XXXX  in XXXX of XXXX. The mortgage was eventually transferred to Freedom Mortgage. XXXX underpaid my escrow account while I was with them, even though I e-mailed and called my lender to tell him his escrow estimate was not enough before the loan was finalized. He assured me his numbers were right, even though I pulled my information from the county website. Needless to say, around XXXX of XXXX after Freedom Mortgage had acquired my loan, my Monthly mortgage shot up around {$300.00} a month over the span of 2 years because of the escrow mistake. Being the only person working in my family at the time, it put us in a hardship situation, My savings was slowly depleted and I couldnt keep up on payments anymore. On top of that, after struggling with the payments and foreclore looming, my wife who was a stay at home mom was forced to go back to work in the evenings as soon as I got home from work. 

The missed mortgage payments hurt my credit score and impacted my family. I Feel that I was lied to by XXXXXXXX XXXX XXXX, as the property tax information was readily available on the county website website. So for them to get the numbers wrong even after I brought it to their attention was very upsetting.
Consumer complaint received 2021-03-23
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 (NY)

THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Consumer complaint received 2022-01-05
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. (GA)

I paid the debt with XXXX XXXX XXXX and closed the account on XX/XX/XXXX. TransUnion has not updated the status of this account since XX/XX/XXXX and and refuse to update the account to paid and closed. As of today, that collections account is still showing as open and derogatory in comparison to XXXX and XXXX who shows it as paid and closed. I have sent numerous correspondence to TransUnion however they refuse to update the status of the account in order to report accurately.
Consumer complaint received 2021-01-19
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: Experian Information Solutions Inc. (IL)

I sent Experian a dispute letter with proof of inaccurate reporting. The consumer reporting company refuses to remove the inaccurate information from my consumer report.
Consumer complaint received 2020-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Senex Services Corp. (OH)

I have tried several times until blue in the face keep telling some company called SENEX collection that I do not owe money for a XXXX debt for emergency services. here is the deal I went to XXXX XXXX for care back in XXXX for my XXXX  XXXX. I had a XXXX  on  the  job  ok workers comp finally paid the bill in XXXX. 
when I registered for care ( XXXX ) I think the months were XX/XX/XXXX? I inform XXXX that I was in pain but could not pay the bill. I had a fall submitted my workmans comp claim XX/XX/XXXX but had not receive a claim number at the time I went in for care. XXXX went on and gave treatment took WC info from then gave me another kind of form from their financial aid services to assist with the bill. 

the bill was paid through XXXX financial aid program. XXXX  gave me a form I completed the form then I had to show proper ID drivers license and social security card then I signed the form and the registration clerk told me that was all I had to do. Who is this company SENEX that continues to phone harass me through this coviv-19 crisis and is not respecting NATIONAL federal law by not even being able to be calling me at home period? here the issue, the lady that called me from SENEX told me that she is prepared to offer me a discount rate? I then told this lady from SENEX collections that why would I pay a bill that has already been paid? 
these people SENEX continues to try to extort money from me for a bill they will not go back and do the history on. The burden of proof is on senex. they keep talking about I owe them I do not! 
All senex have to do is contact XXXX XXXX XXXXinancial aid services department. which is what senex has probably done but got no info so they decided to take the quick route whereas they know there is no trace of this bill being paid through them senex ok so they decided to try to con me out of the money. I have no job right now we were all furloughed back on XXXX why now is this company wanting to try extortion not going to happen. So done with this sexex collection I want this to stop! 

please also do something about all credit bureaus not giving PROPER credit when in fact PROPER credit is due! 
if you look at my current 3 credit reports from XXXX XXXX and XXXX all 3   bureaus are tampering with my credit scores so horrible company called XXXX? Make this XXXX  whatever they are get out of the loop! XXXX  whoever  they  are  ... they need to stop toggling with my credit score ratings. 
HELLO ... THIS IS A BAD TIME TO BE HURTING PEOPLE WITH THIS CREDIT SCORE TAMPERING. I HAVE EXCELLENT ON MY REPORTS for my current 2 accounts that I have open ans is being CHEATED OUT OF A DECENT CREDIT SCORE ON ALL 3 REPORTS I DAMM WELL DESERVE MY CREDIT SCORES TO BE ALL ON THE SAME PAGE! excellent and current!
Consumer complaint received 2022-01-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

Hello, so the debt I had was removed off my credit report by the original creditor which was ( SPRINT )!! The balance of {$900.00} was removed, It was then sold to a new company ( CONVERGENT OUTSOURCING ) which I don't owe. I've requested for them to remove the inaccurate information if they couldn't verify this debt. I wrote the credit bureaus on XXXX, XXXX, XXXX, I also wrote the company directly on XXXX as well. This matter has not been yet resolved and the debt is still on my credit 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX from XX/XX/XXXX + XXXX. 
XXXX XXXX from XX/XX/XXXX + XXXX. 
XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + Bank XXXX XXXX  from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank previously sent ftc violatons
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAS BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DOES NOT BELONG TO ME AND THE INQUIRIES WERE NOT AUTHORIZED BY ME. I HAVE NO IDEA WHO WAS ABLE TO OBTAIN THESE ACCOUNTS AND INQUIRIES WITH MY INFORMATION BUT I AM CERTAIN THAT THEY DO NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT THE ACCOUNTS AND INQUIRIES ARE RE-INVESTIGATED AND REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2016-07-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened a secured credit card account with Capital One several years ago. As of XXXX XXXX, 2016 they held {$2800.00} of my money. On XXXX XXXX, 2016, I closed the account and was assured by Capital One they would return my funds within XXXX billing cycles. Now, on XXXX XXXX, 2016 after XXXX seperate calls to Capital One, they still have not returned my money. They have lied to me every time.
Consumer complaint received 2020-04-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IN)

We applied for a mortgage onXX/XX/XXXXwith Quicken loans - XXXX XXXX is/was the mortgage banker. We were approved for {$170000.00} then after underwriting {$160000.00}. We were okay with this as it kept us in the monthly payment range we wanted. We received a link to download our approval letter, which we did and were told to find the house of our dreams. 

We started getting emails every day and text messages from XXXX XXXX every other day and even got text messages saying we have appointments scheduled to speak with XXXX XXXX. We did not set up these appointments and we asked her in writing to stop sending us spam emails. They continued. I went to look at several homes one day and I got a call from XXXX XXXX asking how it went. I told her they were not great and we weren't rushing. XXXX XXXX said to keep in touch. Later that week we got a text message saying " reminder of XXXX 's phone appointment ''. XXXX did not make any appointment to speak with anyone at any time. I emailed XXXX XXXX and asked what/who was this about and who set it up. XXXX XXXX called me and I was told " if you don't stay in touch you won't be active ''. I asked " so are you not approving us if we dont talk every other day '' XXXX XXXX said " you wont be active but you are approved ''. Yes, I was upset. I was just going back to work and she was calling me again. We are in a stay at home order and were not in a rush to go out during this pandemic and tour homes. 

Our realtor contacted us about a home, that we had loved, came back on the market. I set up a appointment to see it. He stated he would need a copy of our approval letter if we wanted to put an offer on it. I went to the app that I was originally given when we were approved to email it to him. I did not have access and a call customer service number was in its place. 

After contacting customer service at Quicken loans, I was informed that XXXX XXXX withdrew our loan application and put a note in " XXXX to re-evaluate ''. I was told that I would have to re-apply. Pulling our credit again, that close would have caused a hit to our credit score. I was so upset, I told the representative that I never told her to withdraw the application and I was just told today I was still approved. The representative stated that it was withdrawn by XXXX XXXX. The representative sent a message to the director to see what she can do and we are waiting to hear. 

In the meantime, I emailed XXXX XXXX and asked what is going on. She states that " Never did I once say I will have to repull your credit. I simply said I can re-activate your profile '' so she admitted withdrawing our loan without any cause other than being upset I didn't want to speak with her every other day.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX XXXX XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I started the loan in XX/XX/2021 Ive made payments then fell behind. XXXX sent a right to cure letter I then paid what was past due to keep my account active. They have been reporting my account and late then when I disputed it with Experian they changed the lates to charged off. When they charge off months was paid. I asked them numerous times is my account charged off they stated no in their chat on the app. Ive been fixing my credit to notice they still have it as charged off and Im still making payments to the account. The account states Im on track and nothing is past due and account active. I had to make multiple payments instead of one lump sum payments which my bank locked my card for fraud.
Consumer complaint received 2016-05-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Forest Recovery Services LLC (FL)

I get XXXX collections account under my name with Forest Recovery Services for XXXX differences amount who does n't belong to me. I want this collection to stop calling me and harassing me on the phone and I want this debts to be removed immediately from my credit report. I do not have any idea who this company his.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (NV)

My account has been closed for months, and I have been struggling due to job loss to pay off this account. On XX/XX/2022 there was a payment due on the account. Even though the company was closed they charged me a late fee for the payment not being received on that day. This company has also been charging me {$10.00} fees to make payments to them making it almost impossible to pay the balance to XXXX
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CA)

Incorrect address listed on my credit report. I have never lived at XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. Only lived in XXXX California in XXXX, XXXX XXXX, XXXX and XXXX California.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Cares Act and the Heroes Act, XXXX XXXX XXXX ( Account # XXXX ) has violated my rights, XXXX XXXX XXXX  reported 3 late payments on my Consumer Report ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). The reporting of the late payments are damaging and hurting me from purchasing a home for my family. 

Due to the current in place COVID-19 National Emergency, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the Cares/Heroes Act, requires creditors to report any account that had a payment accommodation applied to it during the Covered Period as " current '' to the consumer reporting agencies. At the time, I was on an accommodation hardship program with XXXX  XXXX XXXX  starting XXXX of XXXX until XX/XX/XXXX. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/XXXX through 120 days from the date the COVID-19 National Emergency is declared over. The National Emergency has not been declared over as of this date.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I wrote letters to Equifax, XXXX, and XXXX on XX/XX/22 and XX/XX/22 requesting proof in the form of a statement or detailed payment history proving these accounts were paid late. Per the FCRA all reported accounts must be accurate and verifiable. When requested, verification must be provided within 30 days of receiving the letter. Right now, the bureaus are in violation of the FCRA and are subject to legal action. The attached accounts are the accounts in question.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have disputed the XXXX XXXX Account several times stating that the account is reporting inaccurate information. Each time, Equifax has responded as account information verified. When the collection account was placed on my credit report, the information was inaccurate and never correct. The wrong balance was always reported wrong but Equifax refused to remove the account as well as never attempted to correct the information. This is a direct violation of my rights.