davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-26
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. (OH)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand 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 XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-04-08
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: LendingPoint Holdings LLC (NY)

On XX/XX/2023 Account Name XXXX XXXX Account # XXXX Date opened XXXX COMPANY SOLD : XXXX Status : Discharged through XXXX XXXX XXXX/Never late. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX The open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.
Consumer complaint received 2022-09-11
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. (NV)

XXXX and Experian are reporting the collection account XXXX on my consumer report. I have disputed this account directly with the collection action. I do not owe any such debt and I am refusing to pay this alleged debt and wish to have the CRA 's cease and desist any further reporting of this account. I am disputing this account based on accuracy and request Experian and XXXX to investigate this account for maximum accuracy and completeness. Please see the attached documentation directly from the collection agency and delete this account immediately from my report.
Consumer complaint received 2021-02-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP (TX)

While I made every effort to pay my debts and fulfill my responsibilities, in this instance Rausch Sturm was unfortunately unable to do the same. I have since gotten any letters through mail or email stating this debt has been paid in full and the account will be reported to all three-credit bureau. I've spoken to several of their representatives such has XXXX XXXX on XX/XX/2020 & XXXX XXXX on XX/XX/2020 about my account and both ladies took notes and gave accusation such as : on XX/XX/2020 the account will be officially closed on their end and give 21 days afterwards for the updates/process. I was also supposed to receive a call from their Attorney XXXX XXXX after speaking with another representative on XX/XX/2020 and to allow 24 -- 48 hours to hear for a response. Also, on XX/XX/2020 a representative stated it does " shows in their system that an attorney is aware that nothing has been filed or sent out ''. On XX/XX/2020 I spoke with XXXX XXXX and again nothing was resolved, I couldn't get any answers as to why my account hasn't been updated. Now I know that everything has been delayed due to the pandemic/Covid-19 but do not give a customer false information/misworded information if you are not going to meet the accommodation. The loss of customer respect/trust has been ruined. I just want to know why hasn't there been any information reported to " XXXX XXXX XXXX '' about this account and why haven't I yet receive a letter about the account being resolved? We are in a new year and it going on 1 year since anything has been done about this account. I need answers and i need them now. I've learned this the hard way once any company sell your debt to a collection agency, they also write off your debt on their taxes which write off your obligation to pay. You can dispute the transaction via XXXX along with any other collection agency owned items lingering on your report. Your dispute reason is " contract was cancelled '' and write " no contract '' in the dispute comments. Peace and love to all! Knowledge is power! : ) I hope this help someone in the future I basically got scam out of {$1300.00} to a company i should have never paid to begin with. : )
Consumer complaint received 2020-08-18
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)

I HAVE REVIEWED MY CREDIT REPORT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-08-26
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ascendium Education Group (GA)

Based on the statue of limitations. XXXX  aka AES aka XXXX is showing up as a negative impact on my credit report. Ive hired credit repair attorney XXXX XXXX and I would like this student loan removed from my credit. Its renewing itself and the date is showing up as unknown. Please contact me at XXXX or XXXX XXXX needs to be removed too. Thanks so much.
Consumer complaint received 2021-02-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX, Bank of America, and XXXX are three companies that are reporting inaccurate information on my credit report. 
I have stated that accounts from these banks were generated because of an identity theft crime. To make my position clear, FTC 's identity theft report and police report were submitted to the credit reporting agencies and to the creditors. 
Also, I requested the following documents to be provided by these creditors to verify accounts ' information. 

1. A written contract and agreement between the creditors and me.

2. Original copy of the application of fraudulent accounts that are being reported on my credit report.

3. A statement from the person who witnessed and approved these accounts to be opened in my name. 

Even though the request was made to review these documents, the creditors basically ignored my demand and continuing to post accounts that are not mine. 

The fraudulent accounts ' information that is being posted on my credit report is, XXXX XXXX BANK OF AMERICA XXXX BANK OF AMERICA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX For the record, many different names were used to created fraudulent accounts.
Consumer complaint received 2022-12-09
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: TD BANK US HOLDING COMPANY (MI)

NORDSTROM/TD BANK USA is reporting a charge off on my consumer reports. A charge off is considered income by the INTERNAL REVENUE SERVICE. A 1099-C was filed, but I have not received my copy.

NORDSTROM/TD BANK USA shall remove this charge off from all consumer reporting agencies immediately.
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/2021, I went into my local chase to apply for the in-branch offer ( XXXX pt + {$50.00} grocery credit + 1st year annual fee waived ). However, there were some issues on Chase 's end and the card would not appear in my profile. My local agent called customer service and they said they were experiencing a system glitch. During the call, the agent told me to apply on my phone right in the branch and if I get the card, they would honor the annual fee waiver since their system wasn't working on their end. I did not get approved immediately, but I did get approval 3 days later. When I got the official approval, I called customer service myself to confirm that they would honor the annual fee waiver. The agent confirmed yes after a long hold. A month later, I got charged the annual fee, and the issue got escalated by both my local agent and the branch manager. My physical in branch visit was noted in their system and they can clearly see when I submitted the app. I want Chase to honor their agreement and waive my annual fee of {$95.00}.
Consumer complaint received 2020-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

We began the process of refinancing our mortgage with an outside company in XXXX, XXXX. We knew there were outstanding late fees from several years back, before SPS became the servicer. Several phone calls were made to SPS to see about a waiver of these fees. SPS said only the owner of the account, XXXX XXXX, could make the decision. We e-mailed a request to XXXX XXXX  on XX/XX/XXXX requesting the waiver. XXXX XXXX sent us a response letter on XX/XX/XXXX indicating this was the responsibility of SPS. SPS sent us a letter on XX/XX/XXXX acknowledging the request. We were in process of refinancing our loan and needed an accurate payoff amount. as the total late fees were included in SPS 's payoff letter making it necessary to borrow enough extra to cover the balance and fees. We ended up paying all the late fees with proceeds of new loan to avoid losing the rate on our new loan. We received a check dated XX/XX/XXXX from a department of SPS in the amount of {$1800.00} as a partial waiver refund. We then received a letter from SPS customer service department indicating the balance of these fees would be waived and they would be sending us a check. ( copy of this letter is attached ). We called about the balance due us and were informed we would only receive the {$1800.00} previously paid. We believe we were force-fed the {$1800.00} and are looking for the remaining {$3000.00} to be sent to us per the letter.
Consumer complaint received 2021-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

In XX/XX/2017, we requested the servicer to remove PMI because the property had significantly increased in value. They stated an appraisal was necessary to verify. Even though the appraisal stated " no functional inadequacies were evident '', and this home is in a significant growth market, the appraisal had erroneous information that made it apparent to us the appraiser the bank hired is not familiar with the market. 

We disputed it with the servicer, and submitted a second appraisal that was done by someone familiar with the area. Rather than the servicer reviewing it themselves and discussing, they sent the second appraisal package to the first appraiser for opinion. Naturally, he stated the second appraisal was wrong. The servicer failed to continue to communicate, but did bill us for the appraisal. 

Recently we decided to pay enough of the principal to be below 78 % LTV ; however, the servicer misprocessed this payment, even though we ordered the servicer to make the extra payment as principal. This has not been fixed yet, and the servicer has stated even when the principal is below 78 % they will still not want to remove the PMI without yet another appraisal of their choosing. 

The loan is current, with zero delinquencies. We need this escalated beyond the offshore call centers that are handling this thus far.
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I previously complained and you closed the complaint as the company ( Mr Cooper ) responded. However I was not satisfied with their response as they did not solve the problem and have not done what they promised to do - refund my overdraft costs caused by them taking an unauthorised payment ). 
The company appears to still be making excuses and their facts are not correct. They only advised me of their email address after me asking for it twice - they did not volunteer the information easily. It is a very long response but I don't agree that their intro letter was clear about the autopayment - it did not state exactly what they have said. Also, the point about the payment being short appears to be another excuse - the escrow payment was significantly increased from last year and this was not clearly communicated in the changeover. I have sent the bank statements as proof of costs incurred and hope that Mr Cooper will honor their promise to refund these charges.
Consumer complaint received 2021-08-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (DE)

I notified XXXX XXXX of fraudulent charges charges to my card by XXXX rental car for vehicle I was renting at the time. At first they removed charges than somewhere the added them back without my knowledge. I explained that XXXX  gave me permission to continue the rental than turned around and said they were going to arrest me if I didn't return car which I did. However they charged my card over 800 dollars and XXXX for fraudulent arrest warrant that I was never charged with. However at this point they charged off card was paid and sold to another company to collect debt I never owe, in an amount I never owed. Midland Bank. XXXX  website wont allow me to request Debt Validation letter from Midland Bank.
Consumer complaint received 2019-10-24
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: Experian Information Solutions Inc. (NC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (TX)

Barclay 's Aviator card has very strict late payment policies to the point that even if a payment is one day late, they will report it to the credit bureaus as a late payment. I pay my accounts on time almost always, but sometimes life happens and I forget although I've set up several alerts so it doesn't happen. I thought most companies did not report a late payment until it was 30 days past due, but Barclay 's will report it even if it's one day late. I am happy to pay late payment fees when I make a mistake but getting a hit to my credit score and credit report is quite damaging when I work so hard to keep my score up. This company does not seem to be consumer friendly in this regard. I'm unsure if anything can be done but I feel these business practices are quite nefarious considering that their policies are the exception, not the rule and consumers should be allowed at least a 10 day grace period, if not the full 30 days to rectify their oversight. Once I realized it was late, I paid it in full... it was such a small balance to begin with that the reporting to credit agencies seems quite extreme.
Consumer complaint received 2020-08-26
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$690.00} XXXX  XXXX {$13000.00} XXXX  XXXX {$300.00} XXXX  XXXX {$11000.00} XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX {$19000.00} XXXX FI XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX  XXXX {$4000.00} XXXX XXXX {$1000.00} XXXX  XXXX   XXXX {$1200.00} XXXX XXXX {$990.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX   XXXX {$590.00}
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

On XX/XX/2022 I made an online payment towards my CitiCard XXXX XXXX in the amount of {$120.00}. 

I called Customer Service on XX/XX/2022 to cancel said payment as it was made in error. The agent handling the interaction said that the payment was refunded and should appear in my account in XXXX business days. 

Refund appeared in the amount of {$150.00}. Due to refund I made an additional payment of {$120.00} on XX/XX/XXXX as planned. 

I chatted Citi customer service because my minimum paymennt increased to {$160.00} for the 2 billing cycles immediately following refunded payment. Agent explained that the change in mimimum payment was due to the length of the billing cycle and would auto-correct. 

On XX/XX/XXXX, I called Citi because my minimum payment never returned to the {$120.00} that was agreed to and discovered that the payment cancellation I requested was processed as a charge to the card balance and debited to my account. This was done without my knowledge, understanding, or an explanation of the ramifications of such a decision. The call was escalated and a Supervisor agreed to provide a {$100.00} credit which would result in my payment returning to {$120.00}. 

On XX/XX/XXXX my statement was made available and my minimum payment increased to {$160.00}, from the initial {$120.00} and erroneous {$160.00}. I called and spoke to a Supervisor who said she could not fix my minimum payment even though i was told it would be fixed by the last Supervisor. In addition, she stated that there was no one else who could assist me in any way and furthermore, that I must pay the {$160.00} even though I was told something to the contrary.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: GOLDMAN SACHS BANK USA (NC)

My XXXX XXXX XXXX XXXX  was transitioned to Marcus Goldman Sachs in early 2022. I received communication from Goldman Sachs indicating that I would be able to continue using my credit card until it expired or until my new card arrived. According to the Marcus Goldman Sachs credit card tracker for locating my new card, it was requested on XX/XX/2022. On XX/XX/2022, I received an email from Goldman Sachs asking me to confirm a charge for {$2700.00} at XXXX XXXX XXXX in XXXX, Michigan. I responded by selecting No, I did not recognize the charge ( because I was in North Carolina where I live and have no reason to spend {$2700.00} on phone repairs ). I called customer service immediately and closed the card. I was told that I would receive a new card in the mail and to no longer use the card in my possession. I called Goldman Sachs, numerous times, sitting on eternal hold and unable to speak to customer support. I engaged in chat feature several times, where the chat person tells me that that card has not been shipped yet, and I should see it in XXXX. Yes, it is only the first week of XXXX, but I requested a new card XX/XX/XXXX, and on XX/XX/XXXX, I needed and verbally requested a new card due to an attempted fraudulent charge. It seems excessive to wait two months for a replacement card and not have an explanation why it has not been sent.
Consumer complaint received 2020-08-18
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. (OK)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX {$36000.00} XXXX XXXX XXXX XXXX {$530.00} XXXX   XXXX {$710.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$630.00} XXXXXXXX XXXX {$470.00} XXXX XXXX XXXX {$1100.00} XXXX   XXXX XXXX {$600.00} XXXXXXXX XXXX XXXX {$510.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX   XXXX {$350.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} XXXX/XXXX   XXXX {$580.00} XXXX/XXXX XXXX {$340.00} XXXX XXXX {$3500.00} XXXX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$93.00}