davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-09-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (LA)

XXXX XXXX sold our home equity loan to Rushmore in California. I believe Rushmore is frauding their " new '' clients. It is difficult to get anyone at that company to answer the phone. They would only let me pay by setting up account on their website to do a draft from our account. I wanted to pay the balance in full. They would not let me pay more than {$10000.00} per day. I was charged a {$50.00} fee for them receiving our loan in the first place. The next day I tried to pay the remaining balance. It would not except full balance. I had to leave at least one cent remaining. I finally got a hold of someone there and said they have to have a cashier 's check for final payment and that we owed them {$68.00} transaction fee! They said I owe them that because they would have to go to the courthouse to get the deed. I live in Louisiana and Rushmore is in California. I wish someone would please investigate the practices of this company. I looked online for information about this company and all they have are really bad reviews. I fear the deed is being held hostage.
Consumer complaint received 2018-09-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners Holding, LLC (TN)

I just received a letter saying that i have a debt for {$590.00} from Pendrick Capital Partners, and I never remember having an account with them or owing any money to them. So i'd like them to give me more info so i can figure out what this debt is for. And I don't want to send them any money just in case if it is fraud account. Because this debt does not show on my XXXX XXXX or any previous account i've closed.
Consumer complaint received 2018-09-20
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: Experian Information Solutions Inc. (TN)

I have requested that Experian ( EX ) update the bankruptcy reporting file date in my credit report. I have submitted documentation supporting the inaccuracy. EX is reporting a incorrect file date for the case number XXXX. XX/XX/XXXX, EX stated that case number XXXX Chapter XXXX bankruptcy has been verified as accurate and the file date is XX/XX/XXXX. XXXX ( XXXX ) third party vendor states that the public record information obtained has been resold to EX. XX/XX/XXXX XXXX reported that case number XXXX filing date for Chapter XXXX is XX/XX/XXXX. 
EX filing date conflicts with XXXX their third party vendor. The US Bankruptcy Court states that they do not report to credit bureaus/agencies. 
EX continues to report XXXX/XXXX XXXX XXXX account inaccurately the account balance is inaccurate by approximately {$2500.00} and the balance is 75 % below high credit. 
EX continues to report a collection without a date of last activity or date of last payment for XXXX XXXX ( XXXX ). XXXX does not have a date of last activity. XXXX only show the date the account opened and the last activity are the same XX/XX/XXXX. Please update my file. XX/XX/XXXX the account was in the file for 7 years I am requesting that EX permanently report my correct file date as confirmed by XXXX. 
I am requesting EX method of verification. 
I am requesting EX update XXXX XXXX account and XXXX account.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to express my extreme frustration and outrage regarding the presence of fraudulent accounts on my credit report, as reported by your bureau. The accounts are blatantly fraudulent and have been acknowledged as such by the associated banks, which have already taken steps to remove them from their records. 

Despite my repeated efforts and sending the required FTC report to have these fraudulent accounts removed from my credit report, your bureau has failed to take action. This is unacceptable and has had a detrimental impact on my credit score and financial standing. 
It is important to note that the other major credit bureaus, namely Equifax and XXXX, have promptly removed these fraudulent accounts from their records after verifying its fraudulent nature. The fact that your bureau has not followed suit is deeply concerning and reflects poorly on your commitment to fair and accurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was trying to link my checking account at Capital One to my Brokerage account at XXXX XXXX via XXXX XXXX, without any success. My Brokerage account suggested I contact Capital One and then you.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (TX)

Discover is violating my consumer rights by providing false information about late payments to the credit bureaus. I have been a victim of identity theft, and when my wallet was stolen the crook also hacked my email addresses and forwarded my Postal Mail. I never received any statements from Discover in XX/XX/XXXXat all. After figuring out that my automatic payment was not going through and after not seeing a statement. I called Discover in XX/XX/XXXXto advise them I had not received any bills and what was going on. Discover reported late payments because of this even though I never received bills. Once I learned what happened I paid it right away. Discover originally told me they would remove these late payments. Which they did, however they did not remove them from my credit reports. Once I called today to ask them why and explain again, the person named XXXX told me they dont have to remove this inaccurate information and that they could send me a statement now months later. He also told me he doesnt care if Im a victim or not, then tried to falsely say I called discover in XX/XX/XXXX. When I asked for proof, knowing I never called them he said they couldnt give me proof that its internal only. Which is more lies. Discover is violating the FCRA. Please review this CFPB.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX  XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries listed below from my credit report, pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). As a victim of a recent data breach, I have confirmed that I did not open these accounts, nor did I authorize these inquiries. I kindly ask that these accounts and inquiries be expeditiously removed from my credit report. 
Fraudulent Accounts Please block and delete the following accounts from my credit report : 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 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 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 XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Our complaint relates to predatory lending practices of Home Depot Credit Services, which we understand is administrated by Citibank. We had a Home Depot Credit card ( " Card 1 '' ) which had been paid on time and paid in full. In XX/XX/2018, we purchased paint at the XXXX Home Depot store and were pressured into opening a second Home Depot Credit card ( " Card 2 '' ). At that time, we were told that there was a substantial discount if a second card was opened and, accordingly, we should not use Card 1.

We acknowledge that we paid Card 2 late. However, the XX/XX/2018 statement for Card 2 shows that the balance was paid in full. Because of the late payment we were charged {$16.00} in late fees which were due on XX/XX/2018. 

We use online payment to pay amounts on Card 1. This method provides for the entry of account numbers. Inadvertently, we failed to realize that we need to open a second payee account for online payments due on Card 2. We paid the {$16.00} under the account number for Card 1. Home Depot Credit reports that they processed the payment on XX/XX/2018. 

In XX/XX/2018, we received a second statement on Card 2 which included {$16.00} balance plus an additional {$16.00} in late fees plus {$2.00} in interest. The total balance of {$34.00} was due on XX/XX/2018. We also received an XX/XX/2018 statement on Card 1 showing a credit balance of {$16.00}. We were abroad and then out-of-state when the XX/XX/2018 statement were received. On or about XX/XX/2018 we telephoned Home Depot Credit to discuss the misapplication of the XX/XX/2018 payment. After researching the matter, Home Depot Credit applied the payment to Card 2.  On its XX/XX/2018 statement, Home Depot Credit reported a XX/XX/2018 " Misapplied Pmt SM Prin '' on Card 2. However, we were charged an additional {$34.00} of late fees and {$2.00} of interest. 

On XX/XX/2018 we called Home Depot Credit to resolve the balance of the XX/XX/2018 statement. At that time we were referred to XXXX in the credit adjustment department. After much discussion, we were told that the Citibank 's policies allowed for only one late payment per each account regardless if there was a misapplication of payments between two Home Depot Credit accounts. We were then told to pay an additional {$16.00} in late fees and that the XX/XX/2018 charges of {$38.00} would be waved. We paid the {$16.00} amount and closed Card 2.

Although small in amount, the business practices employed by Home Depot Credit and its agent Citibank are, in our opinion, a clear indication of predatory lending actively which should be stopped by the CFPB to protect other consumers. Moreover, Home Depot should be prohibited from pressuring consumers to open second accounts because the represent a clear conduit to orchestrate predatory lending practice.
Consumer complaint received 2018-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (GA)

I applied for a secured credit card with First National Bank of Omaha ( FNBO ) in XX/XX/XXXX. After verifying my identity, I was approved and opened the card with a {$1000.00} deposit in XX/XX/XXXX. I closed the account on XX/XX/XXXX, at which time there were credits on the card ( in the form of store purchases that were refunded ), totaling {$520.00}. Both in FNBO 's User Agreement and during the phone call on XX/XX/XXXX when I closed the account, I was informed that I would receive a refund of my secured deposit ( {$1000.00} ) and all remaining credits ( {$520.00} ) within 30 days. This has not happened. It's been over two months and I haven't received anything.
Consumer complaint received 2018-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MN)

Hi I just received a notice that I have an escrow shortage with US Bank. I closed in the month of XX/XX/XXXXseveral years ago. 
They are rebalancing my escrow and say I owe XXXX or I can have a new payment of {$1300.00}. I can't afford either. 
After investigation with my insurance agent, they told me the correct binder and amount of my insurance was submitted to the lender, with my name, address and loan number with a premium amount of XXXX. 
The lender last year revised my escrow account on an insurance binder that was not mine, it didn't have my name, address or loan number on it and was for {$1000.00}. They even sent me a copy of that binder, which is a violation of Personal Private Information -PPI.They changed my escrow payment to a lesser amount and when they discovered their error and paid my insurance company the correct amount. They never notified me or adjusted my escrow to reflect the correct amount that they had processed erroneously. Now I have a large shortage which is their error.
Consumer complaint received 2018-04-17
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC (FL)

XX/XX/18 - This company ( Direct Recovery Services ) has my email, personal address, work number, and home phone number yet contacted a friend I haven't seen in 6 years at a number I did not reference for this loan. The loan in question was a payday loan of which the number that was called was never referenced on the loan application. The representative ( a XXXX XXXX ) called the friend and left a message on his voicemail with regards to my name, his company and the fact I had money owed, the amount, and why the payment didn't go through. The rep never clarified he was contacting my number but left the message anyway, of which is a violation of federal law. I received a text message from my friend with the subsequent voicemail left by XXXX XXXX from Direct Recovery Services. His message stated " I am trying to reach XXXX XXXX ( this is not a clarification nor did he confirm who he was talking to ). This is XXXX XXXX from Direct Recovery Services. I am calling about the payment arrangement of $ XXXX which didn't go through. I need a phone call at XXXX as soon as you get this message '' I have no problem paying the debt ( payments have gone through fine, this one in question did not and is being rectified ). I called XXXX XXXX back at which time I was berated about paying debts and " this wouldn't happen in the first place '', which I took as his breaking the law and contacting a friend or relative to discuss a debt.
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Disputes and accounts where not verified no info that it was verified was sent to be by mail, they just simply stated that they will not Reinvestigate.
Consumer complaint received 2018-06-06
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Credit Control Company, Inc. (NV)

Credit Control out of XXXX XXXX, VA XXXX was hired by XXXX XXXX a cable/internet/phone company to collect a debt on a closed account in the amount of XXXX.

I requested to pay the vendor ( XXXX  ) directly and on 2 occasions stated I could not. This is untrue as I paid a partial payment directly to XXXX  on XX/XX/XXXX in the amount of XXXX  leaving a balance of XXXX.

XXXX ( operator at Credit Control ) stated if I didn't pay the full amount ( they would not offer any payment arrangements ) by XX/XX/XXXX it would go up XXXX and be reported to the credit agencies. She is one of the operators to state that I could not pay XXXX directly ( not true, XXXX took my aforementioned payment and it reflected on Credit Controls end ).

After speaking to another operator, they stated if I made the payment " AFTER '' XX/XX/XXXX then only would I see the XXXX collection fee and then it would be reported if not paid byXX/XX/XXXX.

By XXXX telling me that I had until the XXXX only for both penalties ( XXXX collection fee AND credit reporting ), I put myself further in a financially difficult situation by paying the full amount to get them to not only stop harassing me ( calling me frequently ), but to avoid a ding on my credit which is getting repaired by on time payments and good relations with my credit card companies and creditors.

XXXX of Credit control used intimidation and threats of a credit report by misleading me with information that not only my collection amount would increase, my account and lack of payment would be reported on XX/XX/XXXX. The key to this is that this information was INCORRECT!

The fee increase would happen if I didn't pay on or by the XXXX and the report would happen if the full amount and any collection fees were not paid by XX/XX/XXXX. It's because of this misleading, threatening and intimidating consequences that I paid the bill to avoid the threats of penalties and reporting based on the FALSE Date of XX/XX/XXXX.

I complained to a supervisor ( XXXX  ) but her only concern was that I pay them and they would no longer contact me and not the tactics of XXXX using FALSE information in order to satisfy a debt by threatening credit reporting and an increase in fees if not paid by a date that was not in fact the actual deadline.

This should not be legal or tolerated. If they have rights to report and add fees, they should do so on the days legally allowed. Why are they lying to consumers with threats of reports and fees on false deadlines if they have eventually the right to do said penalties per the law?
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO. (IN)

XXXX XXXX XXXX XXXXXXXX isn't reporting my house payments for over 6 years. I sent them the reaffirmation documents for my Discharge of Bankruptcy. No one want to take care of my needs.
Consumer complaint received 2018-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (ID)

Nearly 6 years ago I moved to anouther state .Informed XXXX XXXX. turned in equipment, paid last invoice. 4-5 months later a collection agency contacted me via mail and 20 phone call of a {$260.00} debt for early termination of service. I contacted XXXX and after many calls and explanations of reason I could not re open service at new home. they sent me a letter. stating we were good and would be removed from credit report and let collection company be aware. This happened. 
Until yesterday when I received notice from my XXXX monitoring .That a new collection company had reported the debt. 4 yeARS LATER. I contacted thee collection company and explained. first thing they were very rude and would not help me if idid not give them my full SS # and hung up on me 4 times when I said no, and we will have to look me up from name and address. after the 5th phone call I finally got a person to look up that way. Collection company is XXXX XXXX Ref # XXXX.
Consumer complaint received 2018-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NV)

Still trying to get the money back they owe me. I have filed several complaints, but to no avail. I need assistance in retrieving funds from the company and help with enforcement of the lender.