davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-04
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

It is being reported by all 3 bureaus a charge off of {$240000.00} from XXXX XXXX XXXX. It is benig reported by XXXX and Equifax as a " charge off '' and that the account i question was closed XX/XX/XXXX yet months following there is no data until XX/XX/XXXX they state a last payment and XX/XX/XXXX a 1st deliquency. For years XXXX and XXXX they report " no data '' then pick up in XXXX CO which means charge off and have continued to present. 
I have submitted multiple disputes only to receive a message that the account has been verified and that it belongs to me. Well the problem I have is ; I have spoken to a XXXX XXXX XXXX representative from the number that is provided. They have NO record of me or the debt nor have they been reporting according to this representative the other day and have opened an investigation, report # XXXX. 
It is my opinion Equifax and XXXX are self reporting perhaps for personal gain, but it is now become noticeable this is harassment. I also disputed this information with XXXX and they have since " removed '' this from my credit report. 
This information is causing me financial harm and have been denied loans which I needed to purchase a home. Now they have changed this information to closed v/s charge off which from their description a " closed ' account can remain for 10 years v/s 7 years for a charge off bad debt, late payments. This has now reached the 7 years.
Consumer complaint received 2021-01-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MO)

Ive been contacted on 4 occasions by a debt collection agency named Sequium Assets Solutions. They always start by asking me to confirm my name and street number of my address. From there they immediately ask how I will pay my debt and get aggressive about it. They claim I have an outstanding balance with my internet provider, XX/XX/XXXX The first time, I contacted XX/XX/XXXX and they confirmed that I did not have an outstanding balance. The second time I was called by XXXX, I asked what it was in regards to because they dont say that immediately. When they said my XX/XX/XXXX balance, I told them that I knew they were a scam and they immediately hung up. 

Date / time / number called from : XX/XX/XXXX / XXXXXX/XX/XXXX / XXXX XX/XX/XXXX / XXXXXX/XX/XXXX/ XXXX XX/XX/XXXX / XXXXXX/XX/XXXX XXXX XX/XX/XXXX / XXXX XX/XX/XXXXXXXX
Consumer complaint received 2018-10-16
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: Bread Financial Holdings, Inc. (TN)

XXXX XXXX charged a late charge. I had no idea anything was late and was not contacted. I contacted XXXX and they agreed to waive but instead marked my account past 30 days for a late fee. I have disputed this several times and it is still there marked past 30 days on XX/XX/2017.
Consumer complaint received 2019-10-22
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. (CA)

On more than 3 occasions I have requested that Experian verify the accuracy of the information that they were reporting for XXXX XXXX XXXX XXXX XXXX. They stated that the information was accurate. 

I asked them to re-investigate the accuracy of the information because it was not accurate. They stated that they would not re-investigate the information unless I had additional relevant information. 

It obvious to me that the furnisher of the data for this item is not doing a good job at providing accurate information to them. I should not have to clean up their mess This account was charged off and sold to a XXXX  XXXX XXXX XXXX collection agency. They claimed that they verified this account as accurate. They did not do a good job of verifying this information. I have attached a copy of a letter from XXXX XXXX XXXX XXXX referencing this account. 

Why does it have a balance after being sold to a collection agency? It should have a zero balance. 

This account is being illegally reported on my credit report after my repeated attempts to have you correct the data. Now I am demanding that you delete this account from my credit report.
Consumer complaint received 2018-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (IL)

On XX/XX/2018 ; I applied for the XXXX AAdvantage credit card for my XXXX XXXXn : XXXX XXXX XXXX. 

I received written notification from Citi asking that I provide additional documents to complete the application. 

Using these instructions, I called Citi on XX/XX/2018 and spoke with their underwriter who reviews and processes and ultimately approves and declines credit card applications. 

I asked the agent where copies of my XXXX U.S business tax returns or Articles of incorporations, to complete the application, should be issued ( i.e. fax or mail or email ) since the application was not yet approved. 

The agent was kind and professional and provided me with both an email address and a fax number to forward the outstanding documents. 

I asked the agent ( underwriter ) specifically once my application was reviewed and approved ; IF I would then qualify for the AAdvantage Miles promotion. The question was not theoretical or hypothetical but specifically was in reference to existing application. She reviewed the application and confirmed I would need to spend XXXX USD on qualified purchases within the first 3 months of opening the account to qualify for XXXX AAdvantage Miles. 

On XX/XX/2018 ; I contacted Citi AAdvantage and asked why my XXXX AAdvantage credit card was not yet received. They promptly stated they would issue a new card via XXXX  but confirmed the AAdvantage Miles promotion was no longer applicable due to having a prior open account. 

I disputed the information and spoke with a Supervisor who refused to review the phone call despite acknowledging phone calls are monitored and recorded for quality assurance. 

I am upset because Citi AAdvantage provided incomplete and misleading information during my interaction with the Citi underwriter on XX/XX/2018. I specifically asked IF my existing application would be eligible for the promotion and the answer was an unequivocal and resounding yes. 

Doing so meant I forfeited a new credit inquiry and lowered my XXXX score due to the agent 's lack of due diligence. 

Please help other Consumers avoid this mistake when applying for new credit cards in the future. Citi AAdvantage claims new applicants should read online disclaimers but does not have a system in place that prevents applications from being processed IF the client is not eligible for a promotion.
Consumer complaint received 2018-10-16
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: Radius Global Solutions LLC (ID)

I was unable to obtain 2 of 3 online credit reports promised by your company in spite of the fact that I provided all the necessary privacy information requested. In addition, in order to obtain my free annual credit report via mail, I was required to submit highly sensitive personal and financial information in hard copy form through a much less secure and accountable system, the US Mail. 
I am extremely frustrated and disappointed in this service and I feel I have been victimized by a faceless and anonymous entity committed to defrauding the consumer through the promising of a free and vital service only to be made vulnerable to a well-established network of highly skilled and nefarious entities who prey upon the trusting and nave. 
Recognizing that my complaint will fall upon non-existent ears, and that I am pleading my case to a system committed to self-preservation through the continuation of the suppression of the voiceless and marginalized I fully intend to publicize and vocalize this complaint to all regulatory bodies. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (LA)

I get paid biweekly and my direct deposit isnt appearing in my account. I havent gotten a email from American Express stating theyre having problems with anything so I dont know whats going on. Ive called 9 time. Ive called the number I have saved in my phone for them, one number I called that I found online and the other number was off of the card I have. I put in all the information needed to speak to someone and after all that 9 Times it just beeps as if a line was disconnected everytime! I even go on this website XXXX XXXX XXXX and theyre were other people on this same site live commenting on the same issue Im having. My deposit normally on my card buy 12 ish its not 30 mins before 3 and I still havent received my check. Ive been backing with them since my senior year in high school, so about 2-3 years now and this is first! I have proof of times and dates if needed for this case I have them all ready.
Consumer complaint received 2018-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA information reported as fraudulent should be BLOCK from the consumer credit file. 

Please provide me with a copy of an updated and corrected credit report showing these items removed.
Consumer complaint received 2021-07-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC (MN)

I was essentially charged an extra payment and late fees with Carvana after they didn't automatically withdraw my vehicle payment out of my checking account. This has negatively impacted my life. I phoned Carvana giving them my new checking information and the rep assured me the payments were set up for automatic withdraw. Thank you.
Consumer complaint received 2018-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA information reported as fraudulent should be BLOCK from the consumer credit file. 

Please provide me with a copy of an updated and corrected credit report showing these items removed.
Consumer complaint received 2021-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

yes i have contacted this company to have the wrong inforamtion they are reporting removed from my account and yet it is still showing well after the time frame that was allotted for them to do so.
Consumer complaint received 2018-10-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

On XX/XX/2018 I was approved for a streamline modification. The payment amount expressed was {$740.00}. 

Payments were made in the amount express XX/XX/2018 {$740.00} XX/XX/2018 {$740.00} and XX/XX/2018. 

Payments were completed successfully on XX/XX/2018. 

XX/XX/2018 receive Congratulations letter from SPS Servicer on XX/XX/2018 That I was approved for a modification and the {$750.00} and if accepted must signed agreement and return by XX/XX/2018. 

On XX/XX/2018, I contacted the Sps to informed them I have not received the executed documents back on their end. 
I was told the payment was {$820.00}. 
I told him that payment was higher than expressed signed correspondance agreed. 

I was told they would check it out was a hold up on sending me the executed agreed modification papers On XX/XX/2018 XXXXps rep called me very rude trying to make me pay and oral amount instead of the Express agreed amount. I hung up and first told him he was unfair to the consumer to ask me to pay more than agreed On XX/XX/2018, I called back to speak with a supervisor. I was told that they could not help me and I also informed them my tenant has died. 

I asked to delay payment to give the spouse time to apply for husband benefits. Inform them because of a change in circumstances because of the death. Tenant was not able to pay. 
Asked Sps to delay payment.

Sps said they had not sent the executed modification docs received by myself because the payment had change. 

So I have been misled and had to file a complaint since that was not what I was credit and approved for and could not afford. I already had to pay {$3000.00} for water Bill 's for this tenant out of my on pocket that now I cant even pay my own bills.
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Auto Properties II, LLC (MD)

This account With XXXX XXXX XXXX XXXX was charged off in XX/XX/XXXX. They Have been updating this account with negative and positive payment history. The latest update was XX/XX/XXXX. I have NOT made a payment on this account since XXXX. this why the account was closed and charged off. 

They are illegally Re-aging this account on my Credit Report. This is affecting my credit score in a negative way. Which is a CLEAR violation of the Fair Reporting Credit Act. They are updating my account as if it is still open. I've contacted this company they where rude and unhelpful. I'v also disputed this account with all 3 Credit Bureau 's . They Did nothing as well.

I hope this get this problem solved thank you
Consumer complaint received 2019-10-22
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. (UT)

XXXX # XXXX is reporting a collection on my account that I should not have, I never received a 30 day right to dispute for this collection and furthermore when I did find out about it I then went and paid it but it is still reporting a balance. This is paid and I never got a notice about it before it went to collection.
Consumer complaint received 2018-10-09
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. (MD)

Couple different items occurred with XXXX XXXX XXXX. They acquired the loan after a permanent modification and failed to notify me @ the address on file. I had to seek them out based on data from the prior lender when payments were returned. Despite my efforts they marked the first mortgage payment as late despite my proactive efforts. This has a material impact on my credit score and they refuse to address this. This is the only late payment on this or any other account on my credit report. 

Secondarily, after repeated attempts they continue to send pertinent mail to the property address. 1098s and things like changes to escrow. 

Thirdly, they had a 3rd part review the flood insurance on the property. I, within the time allotted procured flood insurance from a national carrier @ $ XXXX/year. Further I followed their process, uploaded the binder and assumed the issue was ended. Instead they are providing flood insurance @ $ XXXX/year and claim to have not received the binder. Customer service rep XXXX on XX/XX/XXXX confirmed the document had been received and I've been billed in error. 

Fourthly, the password reset routine on their website has been dysfunctional for at least 3 days. Requiring me to call to get a reset to access the latest data. 

It looks a lot like XXXX XXXX XXXX is in the business of making it difficult for folks to pay the mortgage as agreed and have a larger interest in generating fees and challenges for the mortgagee.
Consumer complaint received 2018-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

Union Bank is placing fraud holds on minority owned accounts. On XX/XX/2018, I traveled to XXXX XXXX. I was able to use my debit card on Friday and Saturday using my pin code and debit transactions. Sunday came and I was unable to use my debit card. I knew they had placed a fraud hold on my account. I attempted to call union bank, however, they were closed. They were also closed on Monday for the Holiday. My concern is if you are placing a fraud hold on someone's account on a Sunday, there is no way of releasing that hold. No one to contact, you are just stuck without access to YOUR MONEY. This is not right. If they are placing fraud holds on those days they need to have some way to release it. Whether it is verification online or via automated system there should be some way instead of leaving the customer without a way out. I called and spoke to a supervisor on XX/XX/18 at XXXX XXXX. ( please review the recorded call ), they told me that I am REQUIRED to place a travel notification on my account. I asked him where is that in writing at, he stated in the disclosure. After asking him what page and where, he then changed it to it is not in writing. So, basically, union bank would like their customers to violate their own privacy rights in order for them to use their own money. I should not have to disclose where I am going or that I am traveling to utilize MY MONEY. Then the supervisor told me that traveling was not the only reason they put a hold on my account. I knew that it was because I am a minority. Then, he came back and stated that traveling was the only reason they put a fraud hold on my account. I am wondering why was a fraud hold not placed on my account when I initially got to XXXX XXXX on Friday or Saturday when I was using it. Also, I was putting in my pin number. So why was a hold placed in the first place? I say that they only do this to minorities because a friend of mines who is not a minority has the same bank and never has this problem. I have had this problem several times. Please launch an investigation against union bank regarding their violation of privacy rights ( as they are telling customers they are REQUIRED to disclose their travel plans ) and also for only placing fraud holds on MINORITY accounts. Thank you for being a blessing in this world CFPB. The consumers of America need protection against companies who engage in discriminatory and illegal practices.
Consumer complaint received 2021-01-26
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: EQUIFAX, INC. (CA)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2018-10-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX obtained an illegal garnishment on my wages and bank account. When I call I was told no accout existed and to call back on Monday. When I goto their website it says a debt is vailid for over {$6800.00}. I was never made aware of this debt and was not served with anything. I am a single mom, head of household and sole provider for my XXXX old XXXX daughter, my XXXX yr old XXXX son and my XXXX ur old mom with XXXX XXXX. I barely make min wage. The debt information provided to me was from XX/XX/2005. I did have the same company garnish my wages in XX/XX/2005 but was taken away when i proved the debt was not mine and I didnt make enough for them to garnish. This time they took my daughters child support, my rent and my paycheck ... I CANT AFFORD TO PAY A DEBT THAT IS NOT MINE!!! PLEASE HELP ME!!! They took the money last night at XXXX XXXX when there was nobody to dispute to and my bank said due to legal issues they could not provied me I go.., PLEASE HELP ME!!
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

Couple different items occurred with Select Portfolio Services. They acquired the loan after a permanent modification and failed to notify me @ the address on file. I had to seek them out based on data from the prior lender when payments were returned. Despite my efforts they marked the first mortgage payment as late despite my proactive efforts. This has a material impact on my credit score and they refuse to address this. This is the only late payment on this or any other account on my credit report.

Secondarily, after repeated attempts they continue to send pertinent mail to the property address. 1098s and things like changes to escrow.

Thirdly, they had a 3rd part review the flood insurance on the property. I, within the time allotted procured flood insurance from a national carrier @ $ XXXX/year. Further I followed their process, uploaded the binder and assumed the issue was ended. Instead they are providing flood insurance @ $ XXXX/year and claim to have not received the binder. Customer service rep XXXX on XX/XX/XXXX confirmed the document had been received and I've been billed in error.

Fourthly, the password reset routine on their website has been dysfunctional for at least 3 days. Requiring me to call to get a reset to access the latest data.

It looks a lot like Select Portfolio Servicing is in the business of making it difficult for folks to pay the mortgage as agreed and have a larger interest in generating fees and challenges for the mortgagee.