davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-06
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. (NY)

The credit reporting agency called Experian suggested in their letter to me dated XX/XX/2018 ( report # XXXX ) that I write to you about their decision to materially lower my credit rating. 
Their decision was based on me missing a $ XXXX monthly lease payment on a car I had just acquired. That was a simple mistake due to the car dealership erroneously informing me that my monthly payment had been paid with the initial deposit that I made on the car. As soon as I was informed that this was not the case, I paid the outstanding {$79.00} to keep my account with XXXX XXXX up to date. Nonetheless, Experian decided to maintain their downgrade of my credit rating. 
This behavior by Experian is non-sensical and wrong. I hope that you will use your enforcement authority prevent such behavior from penalizing consumers in the future and restrict Experian from acting in this way. 
Please do not hesitate to contact me should you have any further questions or comments in this regard.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Hello there, My name is XXXX XXXX and I recently applied for a home loan. When the lender tried to pull my credit report, they noticed that Equifax report says that they can not fin my social security number on their records. I was suggested to contact Equifax which is where my nightmare starts.

I first contacted Equifax onXX/XX/XXXX to see if they have my social security on file and they confirmed they dont have the social security number that I am using for my work and credit card for the past 3 years. They suggested me sending a copy of drivers license and a copy of SSN card through FAX. I sent the documents on 3 separate occasions - on XX/XX/XXXXXX/XX/XXXXand XX/XX/XXXX. They did confirm receiving of document however they are not able to update my SSN on their files and suggested various solutions when speaking with different call center folks : 1 : Solution 1 : My SSN card says Valid for work only, try and get a SSN card that does not say this - I am on a XXXX XXXX and as per the social security administration which is also outlined here https : //www.ssa.gov/ssnumber/cards.htm the only type of SSN i can get is the one which says valid for work only. So this rules out the option of me being able to get a new card 2 : Solution 2 : Contact my credit card companies and have them send over the right information to Equifax. I contacted my credit card lenders - XXXX XXXX  and XXXX and both of them confirmed my personal details and SSN number and they are reporting these details to all credit reporting agencies.

So basically after 10-15 calls to customer service reps on Equifax and faxing of documents and confirming from my banks that they have my SSN on file, I have reached a dead end where I not sure what to do to just get my SSN on equifax records. Isint this the most basic thing that is needed for employment or for getting credit card? How can it be so difficult to just update the social security.

I am running against time and the possiblity of not getting a loan at all because of this issue and I still dont have any clue on why equifax doesnt have my SSN on records. Was it something related to their hack? who knows. WOuld appreciate help on this matter.

Thanks, XXXX
Consumer complaint received 2018-04-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (TX)

Yes my computer was hack and some private information was stolen as well as I was black mailed into transferring money. I am embarrass about it but here all the information i can provide. It was on Western union Pick up code for the item is XXXX XXXX XXXX XXXX Name : XXXX First name : XXXX Country : XXXX XXXX Postal code : XXXX
Consumer complaint received 2018-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, I wrote a check to XXXX XXXX in the amount of {$1000.00}. The check was deposited into his Bank of America account that day. 

On XX/XX/XXXX, this person found the check and scanned it thru the Bank of America app and they withdrew the money from my account again. 

Almost a year later, and the same exact check was paid. 

You can see it in the attachment. I need my {$1000.00} back today.
Consumer complaint received 2018-02-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (TX)

I contacted Paypal Credit onXX/XX/XXXX via email to stop contacting me via telephone and to only contact me via USPS mail or email. I also sent a letter via USPS onXX/XX/XXXX requesting the same information. Paypal Credit responded to me onXX/XX/XXXX so I know they received my email however, they continue to contact me via their auto-dialer/telephone calls. Multiple calls occurring per day since XX/XX/XXXX
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

I have been trying for 3 months to get an accurate credit score from equifax and they keep sending me in circles and will not allow me to monitor my credit. I have paid XXXX 3 times through equifax to say they cant pull it and XXXX 3 times through XXXX 3 credit monitoring and still is unable to get it. Also I tried to use XXXX XXXX which also wont update. This is Frustrating I am trying to repair my credit and buy a house and they are holding me back.
Consumer complaint received 2018-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

I was quite alarmed this morning when I went to confirm my bank balance in anticipation of a large purchase I was making and found that my balance was quite a bit lower than I expected. I looked at my transactions and found that my mortgage servicer had debited my bank account twice for my mortgage payment. My payment is debited automatically, a process encouraged by the servicer when initiating the mortgage. 

I contacted the servicer and asked what was going on and they indicated that all of their customers who had automatic debits for their mortgage payments were experiencing the same thing ; their bank accounts had been charged twice for their mortgage payments. I asked to speak to a supervisor who had no more information on why and how this had happened and when I asked to speak to a manager I was told that there were none present because it was too early in the morning. 

Since this servicer has hundreds of thousands of customers and I would suspect that a large number of them have auto debit for their mortgages, the total dollar amount involved would be considerable. Is this a scam? When will my money be replaced?
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

This complaint is in follow up with Dispute # XXXX which Equifax has already responded to. I have disputed this claim in regards to State tax lien XXXX. I attached a letter from Lexis Nexis dated XX/XX/XXXX Confirmation number XXXX Customer number XXXX ( which I have attached ) that have stated that XXXX XXXX has removed this item from their database and I have also spoken with XXXX Consumer advocacy dept located in XXXX. She couldn't supply her last name. On Risk view report on FCRA, She stated that there were liens or judgment. On public records report she stated that State tax lien XXXX. Equifax sent me a dispute letter dated XX/XX/XXXX that they confirmed the Tax lien through XXXX XXXX and that it was reporting accurately. I believe Equifax did not investigate this with XXXX XXXX because I have a letter stating that this tax lien has been removed and have verified three different times with XXXX XXXX that there are no tax liens on my account. Equifax is not doing their job and did not investigate my complaint. Please provide relief because I have verified in writing and with a phone call that this disputed item has been removed from my credit report.
Consumer complaint received 2018-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Currently I have a tax lien being reported on my Transunion and XXXX credit reports. The lien is inaccurate and should have never been filed. The lien has been ordered removed from my record. The first time I disputed the lien with Transunion they sent back a response stating it would be removed but after several months it was not removed. I disputed it a second time but now they are stating that is is accurate and are refusing to remove it from my credit report. I would like assistance in compelling the credit bureaus to remove this inaccurate item from my reports.
Consumer complaint received 2018-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (FL)

I called Credit Protection Association on XX/XX/2017 in an attempt to pay off this account. We have been working diligently to repair our credit in order to be able to purchase a home. When we paid the debt, we were led to believe that the account would be deleted upon payment, but that was not the case. On XX/XX/17, the account was marked paid, but it was not removed. This payment did not improve my score, and we are now, a full year later, working to remove it because of the lack of improvement due to this account.
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (TX)

For years Discover card has been charging me very high interest rates XXXX, very high minimum amount dues, fees every month for many years now and it has ballooned my debt with them more than a 100 % of the original debt acquired with them and every time write a letter asking to lower the interest rates and lower the minimum payments they had refused to do so and still every month charge XXXX late fee because most of the time I am not able to cover the high minimum due payment it is being almost a year since I stop charging little things to this card not using it at all only payments, this month the minimun due {$320.00} is not possible and the optional payment plans they have online are only made so I can get into more debt with them not really helping at all but taking advantage of the economically deprived situation I am living. This company is the principal ripping company I am dealing with
Consumer complaint received 2018-02-05
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: Commonwealth Financial Systems, Inc. (AL)

To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... there is a company and several medical companies on my credit information with loans on my acct For XXXX XXXX and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! There are four different times your company is listed for the amount of XXXX x4 on my credit please contact me regarding this matter as soon as possible where your company is hurting my fiancial life! Fraud Fraud Fraud Thanks XXXX XXXX XXXX Sent from my XXXX
Consumer complaint received 2018-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I checked my credit card statement online and discovered two {$10.00} fees for cash advancement purchases. I called JP Morgan Chase Card Services and they told me that there was a new policy in effect that categorizes online purchases from a crypto currency " XXXX '' exchange as a cash advance. I made two purchases with a Chase credit card on XX/XX/XXXX and XX/XX/XXXX. I had previously purchased a minimal amount back in XX/XX/XXXX, and was not charged a cash advance fee. Chase made a change to their cash advancement fee policy overnight without ever informing consumers. I only found out after the charges were already assessed. I further learn that the charges are not covered under a " grace period '' so, whether I pay off my bill early I am still charged interest. I called Chase and requested the charges be removed however, they refused but acknowledged that the policy change was not distributed to consumers.
Consumer complaint received 2018-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (NY)

In XX/XX/XXXX I received a cell phone in the mail from XXXX. I called XXXX  and told them I didn't order a phone. They said the order was placed online. I ask them well it needs to go back cause I have new phone did'nt need another one. XXXX  rep stated to take the phone to the local XXXX  store which I did. I got a receipt from store manager.

On XX/XX/XXXX there was a charged on my phone bill for {$740.00} in addition to my regular {$100.00} a month bill. I called XXXX  stated the phone was return as advise from XXXX  rep which I have a receipt from the XXXX  store. They asked me to fax it over I did. They said they will investigate.

XX/XX/XXXX My cell phone service was shut off. I then again called XXXX  and they said they never received the phone, from the local store.so I'm responsible for the phone after I had show them the receipt. I then went to the store myself where I gave the phone to the XXXX Rep.he right in front of me called XXXX and stated to them that the phone was indeed sent back to there delivery dept. The manager got off the phone stated to me that XXXX will restore my service in a couple of hours. XX/XX/XXXX XXXX did not restore my service. I then was forced to go to XXXX XXXX  to purchase a phone. I had service with XXXX XXXX  since then.

XX/XX/XXXX I was in the process of purchasing my home this debt had showed up on my credit report on XXXX and XXXX XXXX. I called XXXX  again with no success. I then filed a claim with small claims.for {$800.00} XX/XX/XXXXwas my court date with XXXX. XXXX Rep from the store did not show up for court date the Judge have favor me the judgement since there was '' a no show '' from XXXX rep.XX/XX/XXXX I contacted XXXX the collection company that posted this debt on my credit report. They asked for the court documents. I sent all doc over they removed the negative reporting off my credit report.XX/XX/XXXX Got an alert from XXXX stating a negative reporting from " XXXX XXXX XXXX. I called Source RM stated the same information I stated back in XX/XX/XXXX to XXXX XXXX. I sent Source RM all court docs as well they refused to removed this off my credit report. I contacted all 3 credit bureau the debt was removed from one bureau but still on two other bureau.

My issues is that these collection agency buys the debt and I have to keep calling and fighting to have this debt removed.
Consumer complaint received 2018-02-21
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: EQUIFAX, INC. (WA)

In a recent dispute XXXX XXXX, Sr. Consumer Relations Specialist from Equifax , said that the following accounts were verified.XXXX XXXX XXXX XXXX regarding accounts XXXX, XXXX, XXXX and XXXX how is this possible? What was your method of verification. Please send me all documents used to verify these inaccurate accounts, I have no record this information. Please delete these account because they reporting inaccurately affecting my creditworthiness. I am the process of trying rent an apartment for my family.
Consumer complaint received 2018-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (FL)

XXXX service call my cell phone misleading saying their where a financial bank offering lower rates already approve, run my credit report without my consent, found out cause XXXX send me a report about my already account. They offer 0 % for the remaining of my open account if I paid on time. Got credit card info and what they said is not true- is a introduction 1 year only and after it goes to whatever % credit card is offering and finally they charge {$990.00} for a balance transfer of {$2500.00} from XXXX XXXX XXXX Call to asking all the above and the supervisor answer with nasty words. When I said what their doing is fraud, and reporting to consumer report agency. Card that approve city simplicity the balance transfer said is happening more and more nothing they can do. I said you should requested XXXX with the person openning account?
Consumer complaint received 2018-02-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FM Home Loans, LLC (NJ)

I called up my mortgage company back in XX/XX/2017 because i wanted to get an appraiser to show my LTV is under 80 % so I don't have to pay a PMI on top of a high monthly mortgage but they did not let me. They said the only way to to take off a PMI was to give them like {$50.00}. I did not pursue it because I did not know about the CFPB. I just found out about it today when I sent in a complaint with the CFPB because my mortgage company charged me PMI twice in 1 month. I never look online so I would have never noticed the charge and for all i know i could be charged every month 2 times without my knowledge. I only looked online because my mortgage company sent me a letter in the mail a few days ago that my mortgage is going up from {$3300.00} a month to {$4700.00} and I called to complain that how in the world can you send such a letter raising my mtg 40 % from 1 month to the next month without some type of information how I can get help to pay such a high mortgage. Why am I putting my trust in a bank that does not understand the consumer. Are they willing to take off the PMI perhaps? NO, they are not but they are definitely willing to charge me a PMI twice in 1 month which i just happened to catch them doing.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I have reached out to XXXXXXXX XXXX card several times stating that they have violated several of my consumer rights. The have violated my right to privacy. I never given anyone my written permission to obtain my personal information to share with no third party, As well as the law states that transactions ' and experiences are excluded from a consumer reports. XXXX XXXX  has committed aggravated identity theft, I will pursue legal remedies. Please remove these late payments immediately. I'm aware of my rights as well as the penalties if this issues isn't resolved.
Consumer complaint received 2018-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (VA)

On XX/XX/2018 I was contacted by XXXX XXXX XXXX, I spoke with XXXX about account number XXXX. I explained I was not working and was requesting a verification of this debit via my mailing address. XXXX told me I assure you that we don't mark up our debit, I asked again to get a verification breakdown of the original debit and how much it was bought for, again XXXX said he couldn't do that. I asked to speak to a supervisor and he transferred me over to his boss. I explained to him that I was not working and looking for a breakdown of how much it was bought for as well as the cost it was bought for by midland. The supervisor stated that couldn't be done since they were a third party collection. I proceed to let them know I would be disputing this account with XXXX. After speaking with XXXX I was notified that they couldn't find anything on my credit report and original account was made a XXXX dollar balance and sold for pennies on the dollar. I asked them why then I would be getting a pre legal notice and I was informed that It was a scare tactic or threat to get me to pay it. So I called midland back at the XXXX number, I referenced account # XXXX. I spoke with what I guess would be called a general phone dispatch. I asked to speak with dispute department in the Consumer Support Services department, He said I am not sure what you are referring to. Again I said I want to dispute this bill until I get verification on it. He transferred me to XXXX again who I told me I was willing to settle today for XXXX XXXX since XXXX told me the original amount was XXXX out and bought for pennies on the dollar, as well as a Verification and breakdown of the debit for how much it was bought for and to send verification to my mailing address. He transferred me to his boss who I previously spoke to. I once again explained to him that I wanted verification in writing sent to me and that I am entitled to that, if not provided with that I would be filing a complaint. I also offered to settle for XXXX  XXXX with the information that XXXX had to passed on to me, asked why it was a pre legal notification if it has not hit my credit report yet. The boss stated that's why it's pre legal so we can settle, I offered to settle for XXXX XXXX XXXX   that I had in my pocket after explaining to him I was no longer working. I asked once again for a verification of this debit. I was told no so he asked if I wanted to hear my settlement options I said no I want verification and to dispute this. To contact them I have to call XXXX they are based out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX, however they call me from a Arizona number of XXXX. So like I have stated I wanted a breakdown of the whole debit I much the original debit was bought for in a verification letter of the debit sent to my mailing address.