davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

XX/XX/XXXX Carrington Mortage and myself came to an agreement on how much I owed as to late payment of my loan. 
I agreed to pay alot of money for 2 months of XXXX XXXX dollars to get me current. 
I to this day I am still being charged 3rd party charges even stated today when I paid extra the representative said I could still have 3rd party charges next month even though I have been current for months. 
My payment for XXXX was XXXX Last month was same My payment should be XXXX I only make XXXX every 2 weeks I have told them this every month Including when I started paying what I owed the first 2 months were XXXX Was very hard to maintain with what I made.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (ME)

Equifax is stonewalling consumers attempting to place a credit freeze.The other 2 allow a freeze to be placed online virtually hassle-free. Equifax delayed for a week to send a verification code by 1st class mail. They then still demanded a phone call. I refuse to waste my limited minutes and incur an additional expense. I've had problems with this awful co. in the past. They illegally placed a bogus claim on my wife 's report, and it took the threat of a lawsuit to get it removed. I wonder if that's why they're giving me such a hard time now.
Consumer complaint received 2019-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm writtining You to dispute old accounts on my credit report. By law, credit bureaus are only allowed to list negative items for a certain amount of time. For most negative information, the time limit is only seven years ( or seven years + 180 days for a charge-off ) : Bankruptcy chapter XXXX-discharged Date Filed/Reported : XX/XX/2011 Reference No. : XXXX
Consumer complaint received 2019-11-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc. (TX)

While I am at work the collection agency repeats calling me during working hours about a hospital bill. I have not yet received any notice from the hospital explaining the bill in question, so I can provide medical insurance information and have my insurance pay for the bill or whatever needs to be covered by the insurance company. They just outright put me through collections without any notice.
Consumer complaint received 2019-08-09
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: First Federal Credit Control, Inc. (OH)

First Federal Credit Control has responded to my complaint only after I contacted the XXXX. FFCC has not validated the alleged debt they say I owe them in any form or fashion. I have received documentation that only proves that I have been in contact with them via certified mail over a year ago. They have continued to handle is alleged debt unprofessionally at best. I have received documents that are unprofessional and could have easily been fabricated. I have yet to receive any signed documents with my signature proving I owe them this alleged debt. They have sent proof that only solidifies my identity theft claim. FFCC is the only collection agency that has not cooperated with me in clearing up this matter and they have made a mockery of me and the said circumstances. Also, I find it very disrespectful to refer to me as a debtor without proof of their claim. I am a consumer just like every employee and owner that works for First Federal Credit Control and would like to be addressed as such. While this my only be business for FFCC, I am a consumer, and this effects my everyday life. As a consumer I have certain rights under federal law, and I have chosen to exercise them and should not be mocked in doing so. Again,  First Federal Credit Control is in direct violation of federal law and under federal law must immediately stop reporting this erroneous information and delete this information from my credit file.
Consumer complaint received 2019-11-08
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (SC)

I live in the XXXX XXXX XXXX XXXX  area of the XXXX. In XX/XX/2017 we had two hurricanes. During both hurricanes the Governors of XXXX and XXXX   declared a state of emergency and all of us living on the XXXX/XXXX coast. were mandated to evacuate from the area for a period for 10 days each time. 

Evacuation was not a choice. Since I work for XXXX XXXX  and live in XXXX I had no choice but to evacuate. This is extremely costly. We were given live checks each time. 

I called Carrington mortgage company to explain we were evacuating and requested that they document my phone call. I also explained we were given live payroll checks. I am usually a direct deposit pay and pay my mortgage on line. I am NEVER late for my mortgage payments. But it took the checks 15 days to clear each time because of the state of emergency in our area. As soon as they cleared I paid the mortgage company. They still reported my late n my credit reports even though we were in a state of emergency at the time because of the hurricanes. 

Not only did they they not record that I contacted them, they would not take the late reports off of my credit reports stating that they " had no information from FEMA ''.  Given that I can do a XXXX search and find the governor 's of each state declaring our area a mandated evacuation area and a state of emergency I don't know what their problem is.
Consumer complaint received 2019-08-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (CA)

I went to XXXX XXXX Hospital last year on XXXX night for an emergency visit. I was uninsured and was billed for over {$1000.00} and was sent a bill by XXXX. It offered to have that bill reduced and it was to {$510.00}. I was resent the bill and was paid on XX/XX/19. Months later I get from a call from a debt collector on behalf of XXXX XXXX Hospital that the original amount was never paid and was sent to collections. I have the original bill for {$510.00}, an email from XXXX XXXX XXXX confirming the transaction and a bank statement for the {$510.00} that was charged to the card.
Consumer complaint received 2019-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CARMEL FINANCIAL CORPORATION, INC. (CA)

Hello, Please UPDATE my current address on my credit reporting to : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, CA XXXX AND please REMOVE ANY previous addresses like : XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX, CA XXXX OR XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NY XXXX Thank you!
Consumer complaint received 2019-11-08
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. (MI)

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that reflects a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this item however, I have not been successful.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
Consumer complaint received 2019-08-31
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: EQUIFAX, INC. (MI)

I am currently under contract with a purchase agreement but I can not close on my home mortgage because there are fraudulent accounts reporting on my credit report. I have already notified Equifax and all of the creditors that these accounts have been opened fraudulently without my knowledge and permission. I have already disputed theses accounts twice with Equifax previously and from the first dispute Equifax stated that the accounts were verified and the remained on my credit report. These accounts were opened fraudulently and are still reporting on my credit report. Both XXXX   and XXXX have already removed these fraudulent accounts from my credit report but Equifax remains to report it as you can see in the attached credit report from the mortgage company. With these accounts reporting on Equifax I can not close on my home mortgage. I filed an identity theft report with law enforcement which is attached. If I dont close on my home mortgage by XX/XX/XXXX I will forfeit my {$2000.00} Earnest Money Deposit which is stated on my purchase agreement. I have already extended the purchase agreement previously and can not extend it further. If these fraudulent accounts remain on my credit report and I loose my EMD I will be filing a lawsuit against Equifax and the reporting creditors for damages and violations of the FCRA. This is my final attempt to resolve this issue. The following accounts listed below are the accounts that have been opened fraudulently. XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX  XXXX, Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX.
Consumer complaint received 2019-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

hello XXXX im ' sitting here in a chase bank in nys, on XXXX XXXX. or route XXXX. i lost my debit card and i just got it cause and if it werent ' me why would they send me the ppl when i guys the back office at this branch has a female, id ' look into. and you guys know me i have better XXXX to do with my life then write tonyou ... 
i had lost my debit card and chase send me a new one and address so i go t oh im XXXX by the way ... so i want ti file federal charges for violating the intelligence identification protection actand its my XXXX money, i dont care whose XXXX prez, its my money this XXXX refused to activate my debit card and so i go, i wan na close my account, hes like no ... so someone cia that you know, il gonns ] a leave this chase branch with some XXXX guy going exec orfer XXXX the us constitution. and its my cash how branches you think in XXXX cant get this fixed, but next branch i lost myid i dont have any and then they follow chase policy and ask me to punch in my ssn guys i told him everythinyg he didnt ask i told him my last withdrawl my last deposit how much where iopened the acct and like what dc excuse you gonnna send me where im leaving this bank with savings vhecking and cc # and no access to my acct even through chase corporate sent me a new debit card. and his excuse seeing my email address and pin point iwonder whose bank manager here ... either way im a stock holder and they think im XXXX why when do ya XXXX jobs!
Consumer complaint received 2020-04-23
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: GOLDMAN SACHS BANK USA (AZ)

Apple, Inc. offers a credit card, the Apple Card, which is issued by Goldman Sachs. One can apply for the Apple Card from the XXXX app on their XXXX, which I have done more than once. My application has been denied each time ( most recently today, XX/XX/XXXX ), and each time I have received an email explaining the reason for the decision. In every email, the reason is " You have recently been past due, '' and my credit score is displayed as XXXX ; each email states that the score was obtained from TransUnion and provides a phone number to call XXXX  with questions. 

Every time I receive this email, the same information is displayed ; I will attach a copy of the most recent email I received regarding the decision made by Goldman Sachs based off the information they received from TransUnion on XX/XX/XXXX, which I am attesting is inaccurate. At the time of this writing, I am currently and have been on hold with TransUnion for over eight hours cumulative, and my credit score -- as reported for free through the XXXX XXXX app and provided by TransUnion -- is XXXX ( a screenshot will be attached ). I have not been late on any non-medical payments in two years, which is reflected in my Credit Karma app ( I have also attached screenshots to support this ), and the XXXX credit score lines up with my credit history from approximately two years ago -- I have access to free copies of my credit report through XXXX XXXX going as far back as XXXX, and although I haven't always used XXXX XXXX as frequently as I do now, there's a score of XXXX around the time I imagine this score of XXXX might fit. 

I called TransUnion earlier today ( XX/XX/XXXX ) using the phone number provided in the email I received. I waited on hold for an hour and explained my situation to the representative who took my call. She stated she could sell me a copy of my credit report for {$9.00}, but for my security she couldn't give me any information over the phone. When I expressed disappointment, she stopped speaking to me for at least two minutes. When I asked her how she expected the call to end because I had no intention of hanging up, she hung up on me. I called back from the same phone number XXXX my personal mobile phone number ) and waited for another hour, asked for a supervisor, and have since been waiting for over seven hours with no answer and no further guidance. I know that currently, due to COVID-19, they are operating under alternate hours, and they " close '' at XXXX Eastern ; I live in Arizona, so at the time of this writing it is XXXX XXXX Arizona time and they are closed, but I am still waiting on hold. I will continue to wait as long as I must to get an answer, or until the call disconnects, because I need guidance regarding why my credit score is being reported by one company, TransUnion, to two different companies as two different scores.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: MIDCOUNTRY FINANCIAL CORP (GA)

The company never reported the account as being in collections/charge off status even after being awarded a garnishment in a judgement. 

The company never posted the payments from the garnishment and never closed the account. 

The company misreported the status purposefully even after it was brought their attention and the company charged more than what was stated in the judgment. 

This company has held my credit hostage for over a year even after full repayment. 

Never ever get a loan from Heights Finance
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

The company never reported the account as being in collections/charge off status even after being awarded a garnishment in a judgement. 

The company never posted the payments from the garnishment and never closed the account. 

The company misreported the status purposefully even after it was brought their attention and the company charged more than what was stated in the judgment. 

This company has held my credit hostage for over a year even after full repayment. 

Never ever get a loan from XXXX XXXX
Consumer complaint received 2019-08-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (TX)

I tried to open a Citibank savings account on XX/XX/2019. I completed the process and sent {$100000.00} via ACH. Citibank requested more information so I responded per the attached. The fraud department decided to close my account and only paid interest for one month. I've called numerous times to get my money back and no one has been able to help me. I spoke with FOUR people on XX/XX/XXXX and the last person, XXXX, said the fraud department was holding my check due to their inability to verify my address. As you'll see from the attachments I gave them everything they requested,.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

The company never reported the account as being in collections/charge off status even after being awarded a garnishment in a judgement. 

The company never posted the payments from the garnishment and never closed the account. 

The company misreported the status purposefully even after it was brought their attention and the company charged more than what was stated in the judgment. 

This company has held my credit hostage for over a year even after full repayment. 

Never ever get a loan from XXXX XXXX
Consumer complaint received 2020-04-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

Went online to pay bill sent to debt collector in amount of XXXX. Would not let me access account info. A link popped up for chat line to talk to agent. I talked agent gave account number they started typing my wife owed XXXX from 12 account and how did I want to pay.i told them I owed XXXX from original debtor they keep saying other amount then typed in bold capital letter we owed 12 account XXXX. I have never dealt with these people ever before. I will not pay a bill I dont owe. So I stopped chat. They will not let me pay the XXXX we owe.
Consumer complaint received 2020-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc. (TX)

in XX/XX/2020, I was contacted by PFC, Professional Finance Company about a bill for a medical service. I went through the process to pay the debt, however, when they continually asked for my private information ( last 4 of social, address, etc ), I turned them down to process the payment because it seemed as though there was a possibility it was fraudulent. The representative told me that in order to process the payment, she needed my identity information. I told her no. 
I went and paid the original entity the amount due. 
PFC processed my payment on my credit card anyhow, without my final authorization. So now I have paid this debt twice. When I contacted them to tell them that they processed payment without authorization, they told me that they could send me a check in 1-2 weeks and could not electronically reverse the payment. After many  complaints, and them listening to the recording, they overnighted me a check for the payment. During all of this they were very aware of the fact that I had already made the payment to the original entity. I have offered to them several times the authorization code and transaction number of the payment made directly to the original entity.

Today, 3 months later, I get another call that I still owe this money. When I explained to the rep that it was paid, and offered the payment information again, she proceeded to tell me that I had to email them the payment proof from my bank. My online banking will not go back that far. I have the printed authorization showing it was paid, yet the rep yelled at me and then hung up telling me it was " still in collections ''. The fact that they hung up on me when I was explaining my position is infuriating. 

They are a disaster, yet affecting our credit. Why they can't get with their client to correct this is beyond me. XXXX should take the burden of keeping accurate files and should not be able to run such a disorganized business.
Consumer complaint received 2019-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that reflects a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this item however, I have not been successful.
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (MO)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2019-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I have a permanent security freezes on file with Equifax, XXXX, and XXXX. I recently went to unfreeze my files with each company and found that Equifax failed to require the PIN that I used when I initially froze my credit report. Equifax also failed to properly identify me when my credit report was unfrozen. In addition, I was not able to use their phone based service as it could not find my file and was forced to use their online service, which I believe is unsecure. Equifax is failing as a credit reporting agency.