davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

In XXXX, XXXX XXXX XXXX, XXXX incorrectly reported to Credit Reporting Agencies that our two mortgage accounts had missed payments and late payments. Our credit scores dumped about 60 - 70 points ( for myself and my husband ). The same thing happened in XXXX, XXXX, but they fixed it. They blamed it on their software. I contacted the XXXX Department of the Consumer Ombudsman, and XXXX XXXX said she would fix it, as she did the previous time. Then she pushed the issue of onto XXXX XXXX. He claims that XXXX and Equifax have not bothered to fix it despite XXXX sending updated information, and calling them. However, in XXXX, XXXX sent me a copy of an AUD Correction Indicator Form dated XX/XX/XXXX, that contained multiple zeros on the second loan listed ( our home ). 

This issue has been ongoing for 3 months and they have still not fixed the problem. They keep blaming it on XXXX and Equifax. However, the mistake was theirs to begin with. Therefore, I feel that it is their responsibility to fix it. On Friday, XX/XX/XXXX, I missed a call from XXXX XXXX. I called back an hour later. No answer. Left a message. On Monday, I called Mr. XXXX again but there was no message on the voicemail. I called Ms. XXXX, Team Lead, and told her I did not want Mr. XXXX to be our contact any longer because he did not fix the problem. I want Ms. XXXX to be our contact, as was the case previously. I then called XXXX XXXX, Supervisor in the Ombudsman 's office and left him a message saying that this issue is dragging on for way too long and that we want XXXX XXXX to be our contact, as before, not XXXX XXXX. I did not receive any phone call back despite leaving 3 messages today. ( I could not leave a message for Mr. XXXX due to the issue with his Voice Mail. ) XXXX is notorious for their poor customer service and have had many lawsuits filed against them, along with many limitations placed on them by government agencies due to their fraudulent and misleading business practices. I just want them to fix our credit scores!
Consumer complaint received 2019-04-09
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: EQUIFAX, INC. (MO)

Since my identity has been compromised, it has strongly effected my true credit report and reflects unauthorized and unknown accounts to me, I'm demanding that these accounts be removed immediately from my credit report. The following accounts are, XXXX XXXX XXXX {$440.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$1500.00}, XXXX XXXX {$640.00}, XXXX XXXX {$210.00}, XXXX XXXX XXXX {$150.00}, In accordance to the laws of the FCRA if you can not show true and physical documentation of the original document of these accounts then these accounts shall be removed immediately.
Consumer complaint received 2016-07-07
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc. (NC)

I am shopping for a new home and submitted an offer for purchase for a local property. One of the stipulations before the offer would even be accepted for consideration was that I obtain a prequalification letter from a specific lender. As a bank employee with stellar credit and virtually no debt, it was MUCH easier for me to become prequalified with my employer ( they have my existing mortgage, all my bank and investment accounts, and access to my income records ). Long story short, I feel like this is coercion and thought this was illegal. In speaking with a representative at the NC board of realtors, they say it is not illegal at all. Wanted to bring this to your attention. Needless to say, I did not proceed with the purchase.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upgrade, Inc. (NH)

I have XXXX bank loans that randomly showed up on my credit report. I have attached my credit reports. These accounts were opened fraudulently using my personal data. I'm highly upset as this has lowered my credit score. All I do is work and pay my bills so this should have never been added to any of my credit accounts. I wish to resolved and remove immediately.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (IL)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper XXXX validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2019-04-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (AE)

Medical bill paid on XX/XX/XXXX, {$240.00} dollars owed to XXXX XXXX, XXXX and XXXX XXXX, XXXX, OK XXXX, USA. Debt was incurred out of Medical Services provided on XXXX XX/XX/XXXX and insurance company refused to pay it since they said I had moved from Oklahoma to XXXX and insurance did not cover overseas medical insurance charges. XXXX XXXX failed to notify me to my email address since they had the wrong email address and since I had moved overseas, address and all had changed. I did not get any notification of this debt until XX/XX/XXXX and I went ahead and paid it off by phone with my Credit Card -- NO ISSUES. 

But, XXXX still went ahead and reported me to a Debt Collection Agency : TRANS WORLD SYSTES, debt collection agency. THEY have been harassment me daily, calling my overseas telephone number non-stop using a ROBOT-CALLING system daily phone calls that are mid-night here in XXXX due to XXXX hours TIME DIFFERENCES. 
Number they call me from : XXXX, I have contacted their representatives time and time again without much success. They always assure me that it will STOP it never does. POC that  company is XXXX XXXX XXXX XXXX ... .it is totally inappropriate to be continued harassment me like that even though I already paid of the DEBT.
Consumer complaint received 2016-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NC)

I HAVE A MORTGAGE LOAN WITH CHASE BANK AND WENT OFF TO THE WAR IN 2004 FOR 3 YEARS THEY WERE SUPPOSE TO LOWER MY MORTGAGE TO 6 % STATED BY LAW AND DID NOT DO SO. THEY KEEP IT AT 10.12500 %
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (MS)

On XXXX XXXX, 2021 while browsing cars on XXXX, the preapproval option was given. No where in the writing did it notate that the preapproval would be a hard pull and on top o that my credit was also pulled by Exeter Finance as well as XXXX XXXX, without my knowledge or consent. Therefore this did cause my credit score to drop. I ask that these inquiries be removed immediately from my XXXX credit report.
Consumer complaint received 2019-04-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

Please forgive me for not contacting you for a few days or maybe a week?? as i have been very sick. 
( my third round of the XXXX sinceXX/XX/XXXX( sorry i have XXXX XXXX and XXXX ( very bad XXXX XXXX. i have sent messages to Wells Fargo and played phone tag with XXXX XXXX. 
I did leave a few messages but we are playing phone tag. I will keep calling him tomorrow and next day and try to reach. One phone issue is i have cell phone only and ring tone stops ringing faster especially when i get the phone call. i usually take the phone with me from room so i will always have it if i fall or can not get up. i do have a XXXX in the house and one in my car, I do not know if i will ever get the help i need. I will call XXXX over and over again and turn my phone volume up. i do have a small bag that i can carry it in my best friend gave it to me the other day,
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (NC)

I bought 3x {$100.00} master gift card issued by US bank on XX/XX/XXXX. When I tried to use those gift cards in XXXX, I found that the balances of all of them are {$0.00}. There were unauthorized charges on the cards. I contacted the customer services based on the phone number on the back of the cards. They asked me to fax the front/back of the gift cards, receipts buying the gift cards and my driver 's license to them for lost/stolen replacement card request. I faxed all the documents on XX/XX/XXXX and called them many times since then. I was able to get one of the master gift card replaced in XX/XX/XXXX. But for the other 2 gift cards, they said that the information has been forwarded to US bank and asked me to wait. The last time when I called them in XX/XX/XXXX, they told me that a different company/organization is handling the issue.It has been almost 2 years and I haven't gotten my {$200.00} ( 2x {$100.00} master gift card ) back. I still keep all the documents. Can you please help to get my money back? Thanks a lot!
Consumer complaint received 2017-01-09
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CO)

Contacted the lender ( SPS ) regarding documents for a refinance. After months of attempts. XXXX XXXX - XXXX XXXX XXXX we were stalled on various recorded phone conversations regarding an ACTUAL HARD COPY OF THE MODIFYING NOTE Itself. SPS has produced a copy of the loan modification application, and they have the hardship letter in their possession ( submitted by the borrower, me ) however to date they are unable to produce the actual signed document regarding the loan modifications. We did apply for a loan modification on XXXX/XXXX/XXXX and SPS informed us that the government program regarding the loan modification was no longer available. To date there is no change or was never a change in the mortgage payment to account for a loan modification. SPS has stated on XXXX/XXXX/XXXX that a " REQUEST FROM THE PRIOR SERVERS ( of the loan ) TO PROVIDE ACTUAL COPIES OF THE LOAN MODIFICATION. We are quite frankly finding it hard to believe that they have all copies of the loan modification documents except the most important part of a loan modification ( the very document that explains the financial workings of a loan modification ) We were also told that this was an open ended time frame for acquiring these loan modification documents and that we would just have to wait. We have come to your agency in hopes that you can assist in resolving this important issue within agreeable/allowable/lawful timeframes. Any and all immediate assistance would be greatly appreciated.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX I went to pay my credit card bill via the Amex app. When I hit submit I got an error message saying that the payment did not go through and to try again later. 

When I logged back in to try again, the payment was listed three times in the Amex portal credit a negative balance of roughly ( $ XXXX ). 

I called my XXXX XXXX  ( which had my checking account and they confirmed Amex took two payments ( not three ) and that Amex would have to return one. 

I called Amex on XXXX alerting them of the issue and they said that they would correct the balance to shown two transactions and then issue a refund back to XXXX and it would take one business day. 

I checked back and the statement was adjusted to show two transactions reducing the negative balance to ( $ XXXX ) but there was no refund in progress. 

I called back on XX/XX/XXXX and they said that they apologized and would have to reissue the refund request as they do not know what happened and that this individual would personally call me back on XX/XX/XXXX and it should be completed by then. 

I checked again and on XX/XX/XXXX there was not any change and I had not been followed up with so I called back again to talk to XXXX who said she would issue ANOTHER request for my refund. 

I have no email from Amex saying its in progress, no follow up from anyone from the team and its been 4 weeks since this started.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

Requested method of verification an item reporting on XXXX as " XXXX XXXX XXXX XXXX ''. They completely ignored my request and did not re-investigate or respond at all. 

I also requested methods of verification from Equifax on an item listed as " XXXX XXXX '' that they claim to have verified. 

Neither of these accounts are mine and I've made them aware of this on several occasions so I can not see how they can tell me they verified it when it doesn't belong to me. Their system is off and something needs to be done!
Consumer complaint received 2019-04-09
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: ClearOne Advantage, LLC (MD)

On XX/XX/2019 I contacted Clearone Advantage to try to receive help lowering my credit card interest rate. Upon speaking with the customer service rep, XXXX XXXX, I felt a little uneasy due to the personal questions he was asking me such as SSN, address etc. I was just calling to get a feel of the company and their workings to see how they eliminate debt. I was not ready to move forward with a debt consolidation plan or to have the company pull a credit report, however I felt some what pressured by the rep. Instead of giving him my personal information which he was asking for he said that he had a copy of credit report readily available and he read off my personal information to me to confirm. This was surprising because I did NOT give ClearOne consent to pull my credit. After our call I received notifications from the credit bureaus regarding the hard inquiry. I was highly upset and feel that the inquiry should be removed as I never gave permission to pull the report.
Consumer complaint received 2016-12-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

JPMorganChase has managed my escrow account with the mortgage I have with them. 
On XXXX/XXXX/16, Chase paid {$650.00} illegally and unauthorized from the escrow funds for home- owners insurance coverage, while there was in force coverage from XXXX XXXX XXXX , my current carrier. I never signed on with this other company as well as not notified Chase that I authorized a switch of carrier. Chase is now having problems with replacing my funds ( {$650.00} ) to the escrow as it shows ( ( - ) minus. Chase mismanaged my escrow acct.
Consumer complaint received 2021-12-02
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: DISCOVER BANK (MI)

I purchased these so called Hoya plants from someone from XXXX purchased on XX/XX/2021. Even form the beginning I should have known better she kept telling me she only accepted payment by wire transfer or XXXX friends and family only. No other form of payment that was safe for the buyer. This was for a lot of money too. She wanted me to pay her multiple times not the entire amount at once either. The total came to almost {$3000.00} she wanted. Four different payments of XXXX then XXXX then XXXX and then I paid her in Russian currency of XXXX RUB. She wanted them sent al on different days. She then sent me an empty box with newspaper which I then reported to her and she claimed that it must have been customs because its not legal for her to ship them ( which I had no idea of! ) and that there should be a slip inside. There wasnt anything. I was extremely upset and wanted my money back to which she told me NO. I went to photograph our conversations on XXXX messenger and she DELETED all of the texts she sent! So I have no idea what to do! The fact that Discover stated because I have high amount of disputes ( which are ALL genuine ) is just outrageous and horrible service. They did not contact me for any information about MY side of the story. I was SCAMMED and Im extremely upset about this. They refunded me the other transactions but now denied me this one for no reason! This is not the first time Ive had issues with this credit card company not following up with my side of my story and at this point I will not be using them anymore!
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MN)

In XX/XX/XXXX, I purchased windows from Home Depot under a 24-month interest free promotion, with payments representing 1 % of the principal balance for 24 months. For the next XXXX months, I made those 1 % payments from my checking account using an autopay feature, to Home Depot Credit Services, through Citibank US NA. Home Depot erroneously set the promotion to XXXX  months instead oXXXX XXXX causing my monthly payment in XX/XX/XXXX to skyrocket from the 1 % of the principal balance ( about {$140.00} ) to {$620.00}. The principal balance was also increased to reflect the interest that had accrued over the past 12 months. 

Of course, I contacted Home Depot Credit Services immediately about this, and throughout the course of many follow up phone conversations, Home Depot acknowledged the error, and assured me that they would correct the problem, adjusting the {$620.00} charge down to the 1 % and correcting any adverse credit reporting. Around the late XXXX timeframe, Home Depot indicated that they would need to turn to their " Utilities Team '' to correct the account information, which could take several days.

As recently as about two weeks ago, I contacted Home Depot again because in spite of the assurance I received in XXXX, the XXXX statement still showed that I owed {$790.00}. I again contacted Home Depot immediately, and the representative with whom I spoke indicated that the Utilities Team had corrected the problem, that I was back on 1 % monthly payments, and the erroneous {$790.00} had been eliminated. That was exactly the outcome that I had hoped for. Before I ended the call, I resumed auto payments, starting with the minimum payment due of {$35.00}. It struck me as a low number, but I assumed that it had been reduced because of some adjustment, which of course I did not object to. 

Early this morning I happened to check my checking account balance, and was shocked to discover that Home Depot had deposited a paper check issued by Citibank for {$790.00}. It was dated XX/XX/XXXX. On the signature line it states, " Authorized by your depositor XX/XX/XXXX. '' This, of course, was not true. On or about that date, I had authorized ONLY the minimum payment of {$35.00} ( which was taken from my checking account ), and then the monthly auto-payments of 1 % of the principal balance thereafter. 

Please help me address this issue, since I was unable to do so effectively. My credit score has also now been negatively impacted because of Home Depot 's mistake in charging me {$620.00} in XX/XX/XXXX, which my refusal ( and quite frankly, inability ) to pay resulted in a late payment report to the credit bureaus. 

Thank you very much for your attention to this matter. 

XXXX XXXX
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Equifax and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. XXXX  should not be reporting that I am ( 120 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX  and XXXX XXXX, as well as the bureaus to fix this however, I have not been successful.
Consumer complaint received 2016-12-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (CA)

I bought an extended service contract through a XXXX dealership and the cost was added to my monthly payments with Ford Motor Company ( FMC ). My payment schedule is as follows : First XXXX months : XXXX Next XXXX months : XXXX XXXX final : XXXX As you can see, the length of the contract is XXXX months. I have made XXXX payments to date. I canceled the extended service contract because it was essentially worthless in that the vehicle would have to blow up before they would do anything. I have uploaded a copy of that contract for you to review. They have canceled it and sent the refund to FMC which I have NO disagreement with. 
I called FMC on XXXX/XXXX/16 and spoke to " XXXX. '' I was enquiring about the refund because I had n't heard anything. She advised me that I had XXXX payments left and the refund was applied to the principle. So, my balance was at that time {$29000.00}. I have no new contract that shows a refund and how it 's applied. The contract I still have says I owe a total of XXXX payments for the above amounts. 
It 's simple math. If you divide {$29000.00} by my payment amount of XXXX, that leaves a total of XXXX payments. My payments should be XXXX for the remainder of the contract without the last XXXX months ' amounts of XXXX and XXXX. Someone needs to redo my contract and give me the proper credit in writing because I 'm liable for the amounts stated in the original purchase agreement. Both XXXX and FMC have refused to do this.