davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-05-22
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. (TX)

XXXX XXXX XXXX  {$630.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX  Original Creditor XXXX XXXX   XXXX XXXXXXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$630.00} High Balance {$630.00} Remarks Medical Consumer disputes after resolution XXXX XXXX XXXX {$370.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$370.00} High Balance {$370.00} Remarks Consumer disputes this account information Medical XXXX XXXX {$190.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX   Original Creditor XXXX XXXX XXXX XXXX   Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$190.00} High Balance {$190.00} Remarks Consumer disputes this account information Last Reported XX/XX/XXXX Creditor Name XXXX  Account Type Rental Agreement Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 36 Months Monthly Payment {$0.00} Responsibility Individual Balance {$4200.00} Highest Balance {$4700.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX  Times 30/60/90 Days Late XXXX Remarks Charged off as bad debt Profit and loss write-offXX/XX/XXXXCreditor Name XXXX Account Type Automobile Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 49 Months Monthly Payment {$420.00} Responsibility Individual Balance {$0.00} Highest Balance {$12000.00} Payment Status XXXX0-59 Days Late Worst Payment Status 60-89 Days Late Date of Last Payment XX/XX/XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$440.00} High Balance {$330.00} Remarks Placed for collection XX/XX/XXXX Collection Agency XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$330.00} High Balance {$220.00} Remarks Placed for collectionAccount Details Last Reported XX/XX/XXXX Collection Agency XXXX  XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$190.00} High Balance {$190.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX
Consumer complaint received 2020-05-22
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. (OH)

I have tired to dispute a car loan that was opened/co-signed in my name by a former spouse. During the time the loan was opened I was XXXX  so there is no way I can possibly have opened the loan. I have documents to prove that as well and will add those to my compliant. I have tired 3 times now and can not seem to get them to remove it. The documents will show I was in XXXX  on XX/XX/2016. I had trial XX/XX/2016 and my XXXX was XXXX XXXX which would make no sense as to how I would be able to get a car loan
Consumer complaint received 2020-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

To Whom It May Concern : I, XXXX XXXX cancelled my services with XXXX XXXX phone number XXXX in XXXX of 2019. That account is closed with a XXXX balance currently. 
I was contacted by IC systems a third party collector for XXXX XXXX in reference to an account opened in XXXX with a phone number ending XXXX. I am not aware of this account as I did not sign, authorize, or grant permission to anyone to open an account on my behalf. 

I am requesting IC systems to delete this error immediately from my credit reports. This account should not have been opened on my behalf without my signature and identification. The only contract I signed with XXXX was for phone number XXXX many years ago. That account is closed with a XXXX balance. 

IC systems or does not have any written authorization or current identification of myself authorizing a new account in XXXX of 2019 for phone number ending in XXXX. 
As this error violates my rights under the FCRA please delete it immediately from my credit report. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Consumer complaint received 2022-10-31
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (UT)

THD/CBNA - XXXX : I was not late on this account. I was trying to pay online and their system kept kicking me out - So I called them on the phone and they told me that my payment went through.
Consumer complaint received 2020-05-22
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I used my Capitol One credit card to purchase a ticket for US {$380.00} on XXXX XXXX from XXXX XXXX, XXXX XXXX to XXXX XXXX, California on XX/XX/2020. Even though I was assured by XXXX personnel at XXXX XXXX XXXX that I could change my ticket without any penalty or additional charge because of COVID-19, the XXXX call centeXXXX in XXXX XXXX forced me to pay an additional US {$53.00} when I actually changed the reservation to XX/XX/2020. I arrived at XXXX XXXX XXXX on XX/XX/XXXX only to learn that XXXX had grounded all its flights and there was no one from XXXX at the airport to make alternative arrangements and XXXX 's call center number was constantly busy. I had to buy another ticket and return to the United States on XXXX on XX/XX/2020. I disputed both XXXX charges with Capital One because no service was provided. Capital One gave me a temporary credit and asked for certain documents related to the transaction. I sent the requested documentation but then got a form letter from Capital One telling me that what I had sent was " insufficient '' with no details provided. Hence the charges reappeared on my account.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX  {$630.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX  Original Creditor XXXX XXXX   XXXX XXXXXXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$630.00} High Balance {$630.00} Remarks Medical Consumer disputes after resolution XXXX XXXX XXXX {$370.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$370.00} High Balance {$370.00} Remarks Consumer disputes this account information Medical XXXX XXXX  {$190.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX   Original Creditor XXXX XXXX XXXX XXXX   Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$190.00} High Balance {$190.00} Remarks Consumer disputes this account information Last Reported XX/XX/XXXX Creditor Name XXXX  Account Type Rental Agreement Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 36 Months Monthly Payment {$0.00} Responsibility Individual Balance {$4200.00} Highest Balance {$4700.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX Times 30/60/90 Days Late XXXX Remarks Charged off as bad debt Profit and loss write-offXX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 49 Months Monthly Payment {$420.00} Responsibility Individual Balance {$0.00} Highest Balance {$12000.00} Payment Status 30-59 Days Late Worst Payment Status 60-89 Days Late Date of Last Payment XX/XX/XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$440.00} High Balance {$330.00} Remarks Placed for collection XX/XX/XXXX Collection Agency XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$330.00} High Balance {$220.00} Remarks Placed for collectionAccount Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$190.00} High Balance {$190.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (GA)

XX/XX/XXXX two times XXXX charged XXXX  ) ) XXXX and XXXX. Called to dispute and XXXX was credited. I need the XXXX also. XX/XX/XXXX XXXX refunded XXXX but isnt on my account yet. XX/XX/XXXX XXXX XXXX refunded XXXX and that has yet to be in my account. How can yoir bank hold my refunded money for 7 days? Thats absurd, my government taxes were put on this card and it doesnt sit well that my money is being held by your bank and then customer service had an attitude and asks for my personal info 20 times when you speak to them. I want my money in my account thats not asking for to much i hope.
Consumer complaint received 2021-10-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (CA)

This company has a serious issue with bullying, retaliation and straight up lying to governing bodies. 

I have been reporting them to multiple agencies, multiple times for their behavior and they continue to lie and can not provide any documented evidence that they're claiming is the cause of their actions. 

After this private company decided as a business to use taxpayer funded dollars by calling the SDPD on me - while I had told them for a month I was out of the country- they have done nothing to rectify the situation. 

They have cost me $ XXXX in refi savings by " accidentally '' marking me late with payments during forbearance. 

I then worked with HUD to force them to offer me the CARES Act forbearance plan. It was good for 1 month, with agreed and signed contract that all the forbearance/ecrow debt would be added to the end of the term/lump sum lien that could be paid on refi. 

Today, they sent a threatening letter about insurance that I had already told them I had paid in full for the year while in the forbearance exit process. And today I went to check my statement and they increased my monthly payment by almost {$700.00} to " spread out '' the forbearance escrow payments. 

They completely went against the CARES Act and the contract WE JUST SIGNED AND SUBMITTED. 

This company needs to XXXX burn to the ground. Why are they continually harassing us, costing us $ XXXX, destroying my credit for " errors '' and completely changing the payments that we just signed a contract about! 

At this point, CFPB, and other governing bodies- this is your responsibility. You allow these people to operate like this. 

What in the world are homeowners expected to do in this situation? How much of this are we expected to take?
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Healthcare Collections-I, LLC (AZ)

medical payment data # XXXX, MEDICAL PAYMENT DATA # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, MEDICAL PAYMENT DATA # XXXX, XXXX XXXX # XXXX, MEDICAL PAYMENT DATA # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, MEDICAL PAYMENT DATA # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX ( SHOULD NEVER BEEN ON MY CREDIT REPORT-DONT HAVE AN ACCOUNT WITH THEM ), XXXX XXXX # XXXX, XXXX ENTER # XXXX. 

***ALL THESE ACCOUNTS HAVE BEEN PAID OFF, BUT YET STILL SHOWING UP ON MY CREDIT REPORT!
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

In XX/XX/XXXX, I had a XXXXe charge of about {$500.00} put on my account with a no-interest payment plan on my CareCredit account. I regularly start and pay off XXXX payment plans and have been familiar with the company and its policies for years. 

I planned for my final payment for the plan to be on the last month of the payment plan ( XX/XX/XXXX ) with the exact remainder paid online through CareCredits website. 

After this payment, assuming the matter was closed, I noticed I still had an amount remaining on the account less than the payment but not {$0.00}. I called to ask what happened. They said that payments are split between multiple plans and an exact payment on an ending payment plan does not guarantee the payment plan will be applied to the expiring plan. 

I was told they would reallocate my payment into the system to pay off the expiring payment plan. 

Now, several months later, I am facing $ XXXX in monthly interest charges. Every agent I talk to now says I did not pay off the balance in a tone that implies I am lying, and they keep explaining the basic policy that if you dont pay off an expired plan, you face interest ( which I already know and explain to them multiple times I paid it off within the payment plan period. )
Consumer complaint received 2020-01-27
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. (TX)

my ex wife bought a car under her own name, i never signed or agreed to a loan but once she defaulted on the loan the creditor is trying to retrieve the balance owed from me. i should not have this loan info showing on my credit report. please request to have this removed
Consumer complaint received 2020-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NH)

Total debt was originally owed to XXXX. I had paid off the amount from the credit collections services they removed the account from my XXXX credit report however the refuse to remove the account on XXXX  report. Stating that their is a balanced owed when it has been paid off.
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had bank of america student checking account long time back and it is already closed in XXXX. I recently tried to open an online checking account and it is showing negative information about my previous Bank of America Checking Account which is wrong ( Please see the attachment. First of all it is showing that my Account was overdrawn on XX/XX/XXXX and pending closed on XX/XX/XXXX when both of these incidences never happened. My account was always current and never overdrawn, secondly my Account is not pending closed as I went to the branch to close it, so I have no idea why it is showing pending closed.
Consumer complaint received 2020-05-21
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: Cumulus Funding LLC (IL)

For more than a year, I have been trying to resolve the 30-day late payment that appeared on my XXXX  credit report from Cumulus Funding for the month of XX/XX/XXXX. After making numerous contacts to resolve, I discovered that, the error was due to a late payment that they agreed to correct while being under doctors care. This occurred during the months of XX/XX/XXXX thru XX/XX/XXXX. After being assured that all would be taken care of, Cumulus Funding instead reported late to XXXX. I was advised that, they had no control and refused to honor their promise to remove. I was then advised it was up to me to dispute with XXXX  and I did just that. I have written countless dispute letters for more than a year and no removal. I explained that out of good faith, I called and advised of my situation and they did not hold to the agreement. I have been trying to clear this matter for over a year with XXXX  and Cumulus Funding directly. I appreciate any assistance you can provide in clearing this matter.
Consumer complaint received 2020-05-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX   XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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. 
Company Inquiries 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 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 2022-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OH)

Called Mohela on XX/XX/22 at XXXX EST to get PSLF information about the status of my student loan. Mohela is not taking phone calls and the automated FAQs did not answer or clarify my questions and concerns. I feel my payments toward my PSLF were wrongly tallied.
Consumer complaint received 2020-05-22
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: Experian Information Solutions Inc. (IN)

I disputed bankruptcies showing on my credit report with Experian. The results came back " verified '' so I asked the company how was this information verified, at 1st I was told through the US Courts so I contacted the courts and they advised several times that they do NOT communicate in any way with credit bureaus nor any other types of data furnishers.. So I called back and asked again and was told the info came from another data furnisher. I asked Experian to send me their method of verification so that I may dispute it with this data furnisher and they basically are saying they can't.. I advised by law my consumer rights allow me to request this information and that they have a duty to properly investigate anything I dispute according to the fcra. I also advised that per the fcra anything not 100 % verified has to be deleted. So I requested proof that includes any documents or statements from this data furnisher in regards to this investigation. I advised a proper investigation has to be done that includes proof and just taking the word from a 3rd party does not validate anything on my credit report. The end result is Experian basically telling me the dispute is closed