davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-11
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. (VA)

I sent XXXX XXXX XXXX a certified letter dated for XX/XX/18. My credit report has an account listed owing {$290.00}. XXXX removed this error with no issues, but XXXX and Experian have not. I disputed this account several times because I did not open it. My social security number was placed on XXXX by an unnamed individual seeking revenge against me. There were several accounts open without my permission. I completed an identity theft report and forwarded it to XXXX XXXX, along with my driver 's license and social security card. They have refused to remove this error, even after receiving documentation. I am concerned that they will continue to ruin my credit with the continue reporting of fraudulent information.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed the late payments on this XXXX XXXX XXXX for months. XXXX and XXXX   have reversed them but Transunion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-11
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: EQUIFAX, INC. (GA)

Previously I filed an complaint under with CFPB # : XXXX, that claimed the credit reporting agency Equifax XXXX XXXX XXXX, was inaccurately reporting that due to length of time accounts have been established ; Too many inquiries within the last 12 months ; too many accounts with balances and amount owed on revolving account was too high, after apply for an extension of existing credit with XXXX XXXX XXXX XXXX under : XXXX XXXX, # XXXX, and was denied.XXXX in their response, asked for a more detail description of my claim. Therein, I only have applied and authorized one account under the above person, that is, XXXX XXXX XXXX XXXX. Any other accounts, should not be listed or maintained under the above mention, as such would be un-authorized. 

I challenge the accuracy, compliance and reportability of this listing. I asked them to please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under # XXXX. 
I do not consent to XXXX or any means of automated verification. I do not waive any claim or defenses.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I need to remove the Fraud alert and credit freeze off my credit report ASAP!! I have called XXXX   and it still was not done. I need the updates below done. I dont have a phone number on my credit report either. 

New Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Job : XXXX XXXX Phone Number : XXXX Please remove the the Alerts ASAP!!!!!
Consumer complaint received 2018-10-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST NATIONAL BANK OF OMAHA (OR)

I never received notices or phone calls that I owed them money. They said that they called and sent letters but I never received anything. The fees and charges that they sent me seem excessive and abusive. The only reason I realized they had debt against me was because I saw it on my credit report that I looked up on XXXX XXXX
Consumer complaint received 2018-10-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

They called several times throughout the day. Sometimes in the # I provided and most times on a robocaller from Kohls dept store. 
The times Ive answered Ive told them not to call so often and I get pay your bill and we wont call you. I told them if I could pay them I would. 

Dates/times called : XX/XX/XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX You get the idea.
Consumer complaint received 2018-10-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: 360 MORTGAGE GROUP LLC (NC)

I contacted 360 Mortgage group on XX/XX/XXXX regarding endorsing a insurance check from damage occurring to my property from hurricane Florence. I was advised by a representative named XXXX that my mortgage had been sold out to XXXX XXXX XXXX  as of XX/XX/XXXX and they were not endorsing my check. I even offered to overnight the check to 360 mortgage and pre-pay for them overnight the check back to me. After reaching out to XXXX XXXX, XXXX advised me they had no records of receiving my mortgage from 360 mortgage and they could not help me. After playing phone tag back and forth I called 360 mortgage back and XXXX again answered the call and I advised him of what XXXX XXXX had said he then again refused to help me. I asked to speak with a supervisor and he refused to let me speak to one saying one was not available. Can someone help me? I need my house fixed and the contractor is ready to start. I have tried contacting the insurance company but without documents from 360 mortgage stating my mortgage has been transferred they can not change the name on the insurance check. 360 mortgage is refusing to provide documents for this transfer.
Consumer complaint received 2018-04-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Social Finance, Inc. (FL)

On XX/XX/XXXX, I received a targeted advertisement in the social media platform XXXX for a personal loan to payoff credit card debt from XXXX XXXX ( SoFI ). I began the process of " checking my rates '' on XX/XX/XXXX, however due to the amount of information needed I did not complete the process that day. On XX/XX/XXXX and XX/XX/XXXX, I received additional emails from SoFI encouraging me to complete my application. On XX/XX/XXXX, I completed the application by providing my address, date of birth, place of employment, years of professional service, and annual salary. 
After requesting my rate, instead of showing the available rates ( which is what I was attempting to access ) I was notified that I had been declined for a personal loan. At no point was I advised that I was actually applying for the loan as the site left the impression I was checking the rates. 
When attempting to access the Adverse Action letter, I was directed to call as the reason was " other ''. When I called SoFI I was informed that the denial was due to my credit score was too low and my debt utilization is too high. I asked for the minimum credit score, but was advised that the required score is proprietary. I also explained that there is no adverse action letter on my account and that I expected the denial to be put in writing. The customer service agent explained that I can view in my account and seemed unconcerned when I said that it was not available online. She offered to send it to me via email, but the email I received from her only directs me back to the original link inside of the SoFI account.
Consumer complaint received 2018-04-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Designed Receivable Solutions, Inc. (CA)

I recently received a strange, accusatory letter from Designed Receivable Solutions in the mail claiming that I had not paid my medical bills from XXXX XXXX Hospital.  This was initially alarming because XXXX withdrew the last amount owed from my account when it was due in XX/XX/2018. We had set up an auto payment. Everything has been paid in full. I checked my XXXX XXXX account and the balance was {$0.00}. I became very suspicious because something does not seem right with this bill from Designed Receivable Solutions. They are claiming I owe a balance of {$390.00}. They are also attaching interest to this amount every week that it goes unpaid. I have found multiple reviews online claiming this company is a fraud. They have been scamming people out of money for years.
Consumer complaint received 2018-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CA)

I had a closed American Express Gold Credit Card ( Account Ending XXXX ). I am in the process of refinancing and tried to payoff this credit credit through the escrow. Both the refinancing bank ( XXXX XXXX XXXX ) and I both tried to get a payoff statement from American Express Customer Service. The agent and the supervisor told me that they can not provide the payoff information which good for 30 days in writing. The said this is the company policy. I asked where I can find it in the term and condition of the I believed the credit card company has had to provide the payoff information to the consumer on demand. The only reason that I can think of is the company does not want the consumer to payoff the card faster. 

I hope the agency can investigate this issue which affect the right of the consumer to payoff the credit card faster. 

Thanks. 

XXXX XXXX XXXX American Express Card Holder
Consumer complaint received 2021-08-07
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. (CA)

On XXXX XXXX, 2021, I reported a fraudulent hard credit inquiry to Equifax ( XX/XX/2021 XXXX XXXX  ). The next day, Equifax responded, " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' It made no attempt to investigate the fraudulent nature of the inquiry or remove it even though it affects my credit score.
Consumer complaint received 2018-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (AZ)

I filed this complaint with the FTC # XXXX on XXXX XXXX XXXX  Their response was not relevant. 


Several months ago I was reported to the credit bureaus by the following company : Creditor Information - XXXX XXXX , XXXX . 

Prior to this I was not contacted, not even once! It was regarding a disputed bill from XXXX XXXX from years ago. I had received collection agency letters previously but each company dropped the collection attempt after I wrote them back with proof that the bill is an error. 

I have two compliants : First, XXXX should not be allowed to harass me in perpetuity because they dont want to accept the truth about their bill being an error. 

Second, it should be illegal for a collection agency to report me without ever contacting me. I wrote them a message and the best they came up with was to call them. 

Please note, I far prefer email over all other forms of communication, I am XXXX   XXXX and unable to converse on the phone. I can access email easily using my eye mouse and will reply to your correspondence promptly. 

Thank you.
Consumer complaint received 2019-08-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/2019, I sent Equifax to verify accounts that I had questions about and provide me with the method of verification that would prove that they actually investigated the problem. I requested to recieve any findings to this dispute in writing.  On XX/XX/2019 I called Equifax  out of concern that the dispute had went passed the statute of 30 day and requested the information in dispute be deleted due to law saying that they only have 30 days to  verify a dispute  or the information in question must be deleted.  The representative refused to acknowledge the law and kept saying she will provide me with a explanation of the dispute on 10 days. I inform her it was pass the 30 days and would like the information deleted immediately.  She refused so I ask for her identifying information to prove that I called. Instead of providing me with the information the rep hung up in my face. I do have a recording of the conversation if Equifax would like to here and i have information showing as of XX/XX/2019 some of the information that was disputed is still in dispute which is well pass the 30 days in which I will attach to this complaint.  I have used Consumer finance protection bureau to keep up with my complaint s and history show that every recent dispute expanded pass 30 days and Equifax continues to report the information that is in question. The Public record is still in investigation and I  also have that attached to show its been over 30 days and I have not received a final answer within 30 days
Consumer complaint received 2018-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I placed a call to American Express Card company about an inflated balance that I noticed on my card. 
I spent a long time on the phone discussing this matter, but I noticed that the customer service agents were trying to mislead me so that they can hide the true information which was that their system incorrectly inflated my balance to reflect a higher amount than should be. 

I asked them to add the sum of all the charges during the billing period, they could not amount to this, XXXX, XXXX USD balance that was shown. 
All of a sudden, the agent began to tell me that she could not hear me that the line was fading in and out. 
So I told her to give me a call back because the issue might be coming from their end. 
She said that is fine that she would call but she never did. 

Next, I called again after waiting for several minutes and the next agent began this process again, wasting my time for over an hour and still she would not help resolve this issue. She kept claiming that there is a rollover balance. I do not know how a balance rolls over without any record of charges backing it up. 

All other charges are shown and evident but a certain amount had been exfiltrated and this has doubled my balance. 

Kindly help. This card company has been so unfair to me. 
They do not extend any help to me or allow temporary increases in limit to meet an emergency. They use all forms of tactics to deny me such privileges that other people receive. 

I told one of them today that I believe that they are discriminating against me and it seems that they are retaliating because I have reported them before. Of-course, they deny it but I sense it in the way they interact with me on the Gold Rewards card team. 

At this time, I wish to report that this company needs to provide evidence to me how the money left my account. 

Secondly, there is a change to the Gold Card which I have, the card is being redesigned, that is fine, but the problem is that it appears that I would have to start paying 3 times the current annual fees from next XXXX! 
I can not do that and I do not want them to be able to do that. 
When I got my card, I was told I have to pay a lower amount in annual fee.
Consumer complaint received 2018-10-11
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. (CA)

I had a charge-off account with XXXX  XXXX XXXX ( it was originally charged-off on XX/XX/2016 after a 30 day late payment ). Not sure why they charged-off that quickly but that's here nor there at this point. I have had nothing but issues with this account since I started trying to get it resolved. Incorrect reporting galore - they're reporting a 60 day late with TransUnion, which is incorrect based on information they sent to me, they're seemingly reporting 90 day late with XXXX. I paid the account off in full, for the past due amount of {$460.00} ( though I just recently talked to someone that made it seem like the original charge-off amount was less than that ).

XXXX  is reporting it as " Legally paid in full for less than the full balance '' even though it had been reporting " Paid, charge-off '' which is how all 3 bureaus should be reporting. They're also showing no reporting since the 30 day late until last month, where is says " CO ( Charge Off ) '' and showing 'Time Since Negative ' is 1 month ( yet, for the longest time it was showing 2 years ).  They're also not showing my XXXX XXXX account that I closed. 

XXXX is even worse, they had been reporting " Bad debt, sent to collection '' and now they're reporting " Account paid for less than full balance '' and is not reporting it as " Paid, charge-off '' like they should. 

TransUnion seems to be correct in the balance but I am not sure how they are reporting the account else-wise. They are also not reporting my XXXX XXXX and XXXX XXXX accounts that were recently closed. 

Needless to say, this has become very frustrating. I need help getting this resolved. I have attached files that show the incorrect reporting.
Consumer complaint received 2018-10-11
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. (SC)

FOLLOWING THE RECENT EXPERIAN CREDIT BREACH LISTED IN RECENT SECURITY WORLD WIDE ALERT STATES THAT THAT ONLY AFFECTED THE  CONSUMERS WHO VIEW THEIR EXPERIAN REPORTS ONLINE ( SEE ATTACHED EXPERIAN WEB DOCUMENTATION TO PROVE THIS TRUE ) I NOTICED THIS UNAUTHORIZED FINANCE ACCOUNT ( THAT WAS PREVIOUSLY DELETED/AND MARKED AS AN UNAUTHORIZED FRAUD ACCOUNT ) FOLLOWING THIS RECENT EXPERIAN CREDIT DATA BREACH EXPERIAN HAS RE-APPLIED THIS UNAUTHORIZED ACCOUNT ( XXXX XXXX {$1600.00} ACCT # XXXX ) BACK ON MY CREDIT REPORT WHICH IS ( AGAINST THE FDCPA LAW ), ALSO THIS ( UNAUTHORIZED HARD INQUIRY ON MY EXPERIAN XXXXREDIT FILE ) XXXX XXXX XXXX XX/XX/18.
Consumer complaint received 2018-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

XXXX XXXX has been trying to bring his loan current for years. He has been advised for years by an attorney who he paid on a monthly basis as he was instructed to not speak to the bank and to pay him. This attorney has moved and closed his office after being paid over {$25000.00}. 

XXXX XXXX ' wife passed away and he has been trying to put his life back together along with his children. His loan has been transferred to at least 5 different service XXXX XXXX has sent documents and proof of documents sent. 

At this point he is well able to pay a mortgage. he and his children are employed. 

Ocwen Loan servicing is the servicer on his loan and they have put him in a sale date with no notification of a sale to him. He found out about the sale from people calling trying to get him to sign the home over to them for a small amount of money. 

He was not sent any notice of sale as required 30 days before scheduled auction on his home.
Consumer complaint received 2018-10-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2018, I disputed XXXX XXXX that its inaccurately being reported on my credit report stating that I owe {$2400.00}. I have yet to receive a response from regarding removing this information from my credit report and this investigation is well over the 30 days allowed per FRCA law. I do not owe this company any monies nor have I ever been late on a payment. I am requesting this account be removed from my report immediately or I will file a compliant with the XXXX XXXX XXXX. Attached is proof that I owe XXXX dollars given to me from XXXX XXXX and a copy of the contract stating that I had the right to terminate the lease early.
Consumer complaint received 2018-09-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (CA)

Auto payments were setup to make payments on a car loan. Starting onXX/XX/2013. The payments were made on time for 4 1/2 years. Then unexpectedly stopped before the end of the loan. It was found by my bank the the number of months for the loan were incorrect. I was out of the country, in XXXX, that month. When I returned I found the late notice in my mail. Bad timing for me to be away from my mailbox. The loan was at the end of it existence so I went ahead and paid off the loan in full. The financial institution, XXXX XXXX XXXX, reported to credit reporting agencies a missed payment greater than 29 days. I spoke them about my circumstances leading to my missed payment. Their reply was, " We acknowledge participation in credit reporting system is voluntary ; however our company has chosen to report the payment experience of our customers. Therefore, we do not subjectively remove accurate information we have reported to the credit reporting agencies. We are unable to remove delinquencies or change the way we are reporting your payment history as a courtesy or as a gesture of goodwill for brand loyalty. There is a problem with that statement. It does not take into account that we live in a digital age. that consumers have lives outside of this black or white constraint. Or take into account a non planned outcome do to a digital mistake. I ask for this delinquency be removed from credit reporting agencies. Because there was no intent to defraud XXXX XXXX XXXX. This is a unfair mark on my credit for no good reason. This can cost me thousands of dollars when purchasing a home. There is no answer to, why? It is simply a fine place on me for a future home purchase. Shame on XXXX XXXX XXXX for not acknowledging a legitimate digital mistake.