davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

To whom it may concern, I am writing to you today in search of some assistance. On XXXX/XXXX/XXXX I listed my property for sale. It has been listed as a short sale based on the fact that I had fallen behind on my monthly obligations. I noticed that a house very similar to mine was recently sold via short sale for {$180000.00} and it was on the same street as my property. I received an offer after a week of marketing the property for {$180000.00} that my realtor then presented to my lender. Based on current sales on the street this was a very strong offer. We asked the lender to proceed with the review based on this information and they advised that since the sale date was XXXX/XXXX/XXXX they did not have ample time to complete a full review. The offer package was submitted to SPS on XXXX/XXXX/XXXX ( 32 days before the scheduled foreclosure sale ). The problem with this is that I have tried to work with them in the past and they have never attempted to help me in any way. Now that I am in this predicament they want to hurt my family even more by deciding to move forward with the foreclosure rather than giving us 1 last attempt in getting a fair resolution for all parties. I ask that you please help us and allow the lender an additional 45-60 days to complete a short sale review.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I saw my report and there are criminal charges on my account that I have never seen before. These charges are absurd I havent been in Maryland since XXXX. I am beyond confused and I have no reason to believe this charges are mine.
Consumer complaint received 2017-12-13
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)

I check my credit annually to verify all data is accurate. I take pride in my good credit and maintain approximately XXXX fico. In XX/XX/XXXX I sent copies of my drivers license, social security card, deed of trust ( mortgage ) and utility bill to receive a copy of my report from Equifax, XXXX and XXXX. I noticed there was a " variance '' in my social security number. My accurate social security number ends in XXXX and all 3 agencies report a variance of social ending in XXXX. 

and According to the Fair Credit Reporting Act I have a right to have my personal information accurately reported. If inaccurate it is the legal obligation of the credit reporting agency to validate or remove inaccurate data. XXXX and XXXX were very professional and were able to delete the variance in social security number. 

Equifax refused to investigate or delete the inaccurate data. It is for this reason I have filed a complaint with the GA Attorney General and written to XXXX XXXX XXXX, XXXX, Equifax, about the issue of inaccurate personal data maintained by Equifax. 

I am formally requesting the Equifax immediately delete the variance in my social security number and send me a new credit report reflecting the deletion.
Consumer complaint received 2017-12-13
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

I have an account with XXXX XXXX XXXX XXXX. I have always made payments to them either by sending in a check or making a phone payment. 

My due date is always on the XXXX of every month. On XXXX XXXX I called in and made a phone payment for the min amount due. 
After monitoring my bank statements I noticed that it took a couple of days longer than normal for the payment to process. At that point I signed up for the online access to my account so I can investigate, and find out that there is a cut off time for the payments. 
During my online investigation I was then made aware that there was a XXXX deadline on the due date Now no where on their paper statements or on their automated payment system did it ever mention that there was a specific time that the payment was due by. Therefore I was not informed and made unaware of a time specific deadline. 

My payment was technically made on XXXX XXXX, XXXX at XXXX. Which is technically considered by date XXXX XXXX, XXXX. 

I had called Kohls multiple times to dispute this and just received a letter stating that the must report the late payment to the credit agencies. 

My dispute is that since they do not inform of a specific time frame dead line on all of their forms of payment, then they should not report a late payment to the credit agencies.
Consumer complaint received 2017-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I the consumer declare that in XX/XX/XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed XXXX and XXXX accounts and hard inquiries ( XXXX/XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX ) I did not open or recognize and did not authorize and origination dates that are clearly erroneous. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission since XX/XX/XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.
Consumer complaint received 2017-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/XXXX my husband and I purchased flooring from Lumber Liquidators and paid to have them install it, using our XXXX XXXX XXXX. The installation was not completed because they were missing trim pieces. I was very unhappy with the installation ( unlevel, cuts where they should not be ) and I informed XXXX XXXX immediately. They contacted the flooring company, who was supposed to come to see the issues but did not call to do so. I had a contractor look at the issues and he ended up completely redoing the floor as it was unlevel, cut improperly and laid so badly it had to be redone. 
I filed a dispute with XXXX XXXX XXXX for reimbursement of the installation cost which I had to pay to have redone correctly. I submitted copies of the emails, pictures of the mistakes, which showed I had been in contact with XXXX XXXX immediately following the install. I had to submit this a 2nd time as Chase could not find the information after I first sent it and had not addressed this the first time. I received a letter from Chase with a copy of XXXX XXXX response, saying I had never reported the issue. I had sent Chase a detailed letter including emails that I had sent to Lumber Liquidators, which the manager had replied to, which clearly showed I did report the issue. Chase found in favor of XXXX XXXX even though I proved they were lying. I filed another dispute and asked to speak to the reviewer, but was never allowed to. I submitted multiple requests by letter and telephone call to Chase requesting I speak to someone in person, but was never contacted despite being told I would be. At this point, Chase said too much time has now passed to reverse this.
Consumer complaint received 2017-12-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (ME)

On XXXX/XXXX/XXXX I purchased an engagement ring at XXXX XXXX for the amount of XXXX and made a down payment of {$600.00}. I opened up a store credit card on that day and it was zero interest. Then on XXXX/XXXX/XXXX I purchased the matching wedding band for the amount of XXXX again I used the store credit. I asked the salesman who happened to be the manager of I needed to make a down payment. He replied " No you do n't because you made a down payment on the ring you had purchased earlier '' he also informed me that I would not be charged interest and that this ring was part of the promotional plan. 
Anyways a few months go by and I check my statement online this was sometime in XXXX. I make an account on XXXX Banks website. The people who financed my purchases and I notice I am being charged interest on the last purchase I had made. I called Comenity bank and filed a dispute through them. A few weeks later I notice I was charged interest again. So I called and filed another dispute this time I was on the phone much longer and the representative seemed a lot more helpful and informed me that I should see something in the mail in a month or so. On XXXX XXXX I recived a letter in the mail stating that they are not going to make any changes to me bing charged interest since it has been 60 days since I made the purchase. 

I called Comenity bank XXXX/XXXX/XXXX and asked why they would n't make any changes I was then informed that they supposedly sent me a letter saying they would n't be charging me interest if I could provide a receipt showing I made a 20 % down payment on the last purchase I had made. I explained that when I made the purchase the XXXX at XXXX 's told me I did not have to put anything down since I had made an earlier purchase and that I was not going to be charged interest on this purchase. Anyways long story short Comenity Bank refused to help me or make any changes.
Consumer complaint received 2017-12-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (VA)

The bank continues to send me notices, in which, they include the mini Miranda disclosure making them collection attempts. These letters state that they need my XXXX XXXX insurance policy. I had called them several months ago and gave them the number and information to call the condominium association. Being the absurdly horrible bank that they are, they have n't done this. I live in a condominium with well over 100 units, so I 'm sure they could cross reference with other mortgages at my address or they could contact the condominium association as I had directed them in the past. If these letters continue, I will pursue legal action against M & T bank for the time I have spent on this matter as well as attorney fees and applicable damages. It 's particularly interesting that no other bank that has owned my mortgage in the past ( there have been many ) has ever made this request. It further speaks to M & T 's incompetence, laziness and disregard for their customers time. 

Please let this clown show of a bank know they can reach my condominium association with the information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX & XXXX XXXX Phone : XXXX Fax : XXXX Email : XXXXXXXXXXXX
Consumer complaint received 2017-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was stunned when I reviewed my XXXX, XXXX and XXXX  credit reports and saw that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Consumer complaint received 2017-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ditech Financial LLC (CA)

My Ditech payment has always been {$1500.00} each month. My interest rate adjusted and my payment increased to {$1700.00} starting XX/XX/XXXX. When I made my XX/XX/XXXX payment, it was in the amount of {$1500.00} instead of the new amount of {$1700.00}. As a result, when my XX/XX/XXXX statement arrived it stated that I had not made a payment and therefore was late 30 days. My XX/XX/XXXX statement from Ditech shows that I made a payment in the amount of {$1500.00} on XX/XX/XXXX ; however they stated that because it was short {$130.00} they would not apply it to anything and held it in a suspense account. 

I feel that as a consumer, it was not my intention to defraud or intentionally not make my payment to Ditech, I was just not aware of the payment amount increase. On XX/XX/XXXX I paid the difference and the XX/XX/XXXX payment in full. YET, Ditech proceeded to report me to the three credit bureaus that I was 30 days late. This implies that I did n't make any payment to Ditech ; which is not true. I made a payment in good faith not knowing it was the wrong amount. Had I overpaid they would have been happy to take my money, but making a payment just short of the new amount due is not me intending to not pay Ditech my debt obligation. This is unfair and deceptive ; a clear example of these financial institutions taking advantage of the little guys! I have written to the credit bureaus and Ditech ; yet they are holding their ground and are adamant on not removing the 30 day late reporting to the credit bureaus.
Consumer complaint received 2017-12-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (FL)

We are not nor have we ever been in debt. I have receive many, many, many, many, many, phone calls from GC Services at XXXX. This is harassment. I demand compensation right now!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I can not take this any more. I want help right now. This should not happen to us. I want these people in jail right now!!!!!!!!!!!!!!!!! My wife and I have always been responsible and do not have any debt. I served for 21 years in the XXXX and XXXX XXXX. I or my family should not be treated this way. I want GC to pay for this harassment. If now help comes from this then I will truly know that doing the right thing and serving my country is a joke!!!!!!!!!!!!!!!!!!
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am Currently applying for a Mortgage. The Mortgage company sent me a copy of my credit report and all three credit bureaus ( XXXX, Experian, XXXX ) display : 39-SERIOUS DELINQUENCY 18- NUMBER OF ACCOUNTS WITH DELIQUENCY I have no delinquencies on any accounts and with this, there should be no " number of accounts with delinquency ''. This marks against my credit are completely untrue and unjustifiable to be on my report.
Consumer complaint received 2017-12-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I received these loans to complete school from XX/XX/XXXX-XX/XX/XXXX, during that time I was impacted by hurricane Katrina having lost everything. Not once was I given any information on how to apply for relief from this event, i carried all these loans. I only recieved one or two more to finish school after this. I was given advice for my private student loan, which has been paid off. I was convinced to consolidate my loans in XX/XX/XXXX starting my time on income based repayment over. I have only used my degree once toward the profession I actually decided on for about a year, when I decided that it was not a good fit for me. All this time I had been told there would be jobs available, that the career choice was a good match, etc. When I tried to work in this field I found that was not the case. Since I graduated I have been in the lower income bracket. I have struggled to make a life and feel that these loans should be just about discharged based on the income based repayment program
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX {$700.00} ( XXXX XXXX, Equifax XXXX ) I am writing to formally request the deletion of an account listed under my credit report. The account in question has been marked with eOscar dispute code 40, indicating that litigation is involved. As per the regulations and due to the ongoing legal proceedings, I am requesting that this account be removed from my credit report.
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

On several occasions dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have submitted a formal request in writing to Experian requesting that all incorrect personal information be removed from my credit profile. To this day they have refused to comply in removing the incorrect address XXXX XXXX XXXX XXXX XXXX XXXX va XXXX and any associated accounts to this residence from my report. I have sent a copy of my drivers license and social security for proof of residency I have also submitted my most recent recent certified mail using my correct address
Consumer complaint received 2017-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (GA)

My debit card has been hit for 2 months service with Experian in spite of the fact that I cancelled 2-3 months ago. Cant get anyone on the phone to help resolve this matter after hours on hold and they wont respond to emails.
Consumer complaint received 2017-12-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RevSolve, Inc. (AZ)

A collection organization contacted me and asked if I was the XXXX XXXX residing at a 15 year old address for a medical debt at a hospital I have never been to for a person I do n't know. I informed them it was not me. I had not been contacted prior and now I see it on two of my reports.
Consumer complaint received 2017-12-13
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: TD BANK US HOLDING COMPANY (CA)

I disputed NORDSTROM XXXX tradeline Account # XXXX XXXX .... as inaccurate XXXX XXXX, XXXX, with XXXX, XXXX, and XXXX. A direct dispute with NORDSTROM on XXXX XXXX, XXXX. There are errors before the dispute and after the dispute. There was no investigation done on Nordstrom tradeline. 

The disputed credit reports are as follow : credit report XXXX XXXX, XXXX, XXXX, credit report XXXX XXXX, XXXX, XXXX and credit report XXXX XXXX, XXXX, XXXX. and Dispute letter where mailed out and delivered in XXXX XXXX. 

XXXX Response was ( Outcome : Remains - The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details ) and XXXX response was ( Information Updated ).  XXXX response was ( We 're writing to let you know that after careful research, we 've confirmed that we 're accurately reporting your account to the following credit reporting agencies : XXXX, XXXX, and XXXX. ) The list of errors : DATE UPDATED OR VERIFIED DISPUTED credit report XXXX XXXX, XXXX, XXXX ( Items as of Date Report : XXXX XXXX, XXXX XXXX credit report XXXX XXXX, XXXX, XXXX ( Date of Status : XXXX XXXX ) credit report XXXX XXXX, XXXX, XXXX ( Date updated : XXXX XXXX, XXXX ). 

DATE UPDATED OR VERIFIED AFTER DISPUTE credit report XXXX XXXX, XXXX, XXXX ( Date of Status : XXXX XXXX XXXX credit report XXXX XXXX, XXXX, XXXX  ( Date updated : XXXX XXXX, XXXX ) There was no investigation done on credit reports from XXXX, XXXX or Nordstrom. 

I made my last payment on XXXX XXXX, XXXX DATE OF LAST ACTIVITY/CHARGE OFF DATE DISPUTED credit report XXXX XXXX, XXXX, XXXX ( XXXX XXXX XXXX Date XXXX/XXXX/XXXX ) credit report XXXX XXXX, XXXX, XXXX ( XXXX XXXX XXXX Date XXXX ) credit report XXXX XXXX, XXXX, XXXX ( XXXX XXXX/XXXX/XXXX XXXX date XXXX/XXXX/XXXX ). 

DATE OF LAST ACTIVITY/CHARGE OFF DATE AFTER DISPUTE credit report XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Charge-off Date XXXX ) credit report XXXX XXXX, XXXX, XXXX ( XXXX XXXX/XXXX/XXXX XXXX Date XXXX/XXXX/XXXX ). 

There is re-aging with XXXX, all three reports are inconsistent and the date of last payment an all three are incorrect. The charge-off date on all three are incorrect last payment XXXX, so charge-off date I believe should be XXXX. 

INCORRECT BALANCES Because the information such as charge-off date, Date of last activity is incorrect the balance is also incorrect. 

OTHER ERRORS credit report XXXX XXXX, XXXX, XXXX ( Date XXXX XXXX. XXXX Rpt incorrect ) credit report XXXX XXXX, XXXX, XXXX ( XXXX incorrect ) credit report XXXX XXXX, XXXX, XXXX ( Two maximum delinquency of 120 days in XXXX and XXXX ). 
XXXX, XXXX, and XXXX XXXX past-due amount should be {$0.00} the account was sold or transferred to XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (NJ)

XXXX XXXX Amount {$240.00} Opened XX/XX/XXXX Original creditor -XXXX XXXX Midland keeps trying to collect debt that was discharged in bankruptcy. They purached a junk debt, they have reaged the debt and refuse to review papers showing debt was discharged in XX/XX/XXXX. They are causing me financial hardship