davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I continue to file disputes with Experian on their website regarding my XXXXXXXX XXXX XXXX accounts- first they were reporting the amount twice. Now they are not updating the most recent information and my most recent dispute just closed with 'information updated ' however it is not accurate. My loan amount was reduced in XXXX to {$54000.00}. It is now {$0.00}. Somehow XXXX has managed to report the accurate information this whole time. I want my Experian credit report UPDATED with the current and ACCURATE information. This is a clown show.
Consumer complaint received 2017-03-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (NJ)

I am trying to make bimonthly payments a month on my mortgage to lower my interest payments but PHH Mortgage refuses to apply that payment during the month and holds it until my regularly scheduled payment. This is causing my interest payments to be higher and making me pay extra towards my mortgage when I really should n't have to. 

I have tried contacting the company before but their monthly statement unfairly states that " any partial payments that you make are not allowed to your mortgage, but instead are held in a separate suspense account ''.
Consumer complaint received 2016-05-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: RFNA, LP (LA)

I borrowed {$2000.00} and some cents from Republic Finance , Inc. on XXXX/XXXX/XXXX and they added charges to this account of {$4900.00}. So I received another check totaling {$2000.00} and paid off the {$2000.00} and some cents on XXXX/XXXX/XXXX. This account was for two years and I paid the account off in one year. I made a payment in XXXX XXXX for on XXXX/XXXX/XXXX with the late charges. I made payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and these payment were not on record for {$130.00} which was the late charges also. The payments were for {$120.00}. The company stated that I borrowed {$2100.00} which was incorrect. I paid this account off on XXXX XXXX, XXXX but this was not a settlement. This account was not in collections. I was never told this. I informed them that I was paying this account off early and they put me in collections. I have a zero balance. If they told me at the time in paying off this account, this was a settlement, then I would not have done it. In the credit bureau they are showing XXXX for collection from XXXX to XXXX. I paid this account off a year earlier not in collection but paying off a revolving account. I want the XXXX taken off my account and 60 day past due for XXXX, XXXX, XXXX and XXXX. I received a letter later on XXXX/XXXX/XXXX that this was a settlement but they already had my check. I was not told at the time that this was a settlement and the account was in collection. I did not receive a XXXX on this settlement. This false information is ruining my credit until this date. Had I knew this would be put in the credit bureau as collection and incorrect dates of 60 days past due, I would not have let them deposited the check. I written the credit bureau and talked to a vice president but nothing changed.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

The Equifax credit bureau failed to provide me with a proper investigation as well as provide me with physical proof ( documentation ) that the account I disputed was my account. I did not receive documentation supporting this reporting within 30 days. Under Sectio n 611 ( 5 ) ( A ) of the FCRA- t hey are required to " ... promptly delete all information that can not be verified '' that I have disputed.     Please resolve this matter as soon as possible.
Consumer complaint received 2017-12-29
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. (UT)

XXXX XXXX XXXX has placed 5-30 day late marks and 2-60 day late marks. There should only be 2-30 day late marks and zero 60-day. My payments are automatically withdrawn from my account and are always made within 30-days!
Consumer complaint received 2017-12-29
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. (UT)

XXXX XXXX XXXX has placed 5-30 day late marks and 2-60 day late marks. There should only be 2-30 day late marks and zero 60-day. My payments are automatically withdrawn from my account and are always made within 30-days!
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (IN)

My information may have been included in the Equifax security breach. Additionally, I have heard news ( although this may be rumor ) that their website for checking to see if you are affected ( https : //www.equifaxsecurity2017.com/XXXX ) is providing randomly generated answers. Either way, Equifax 's security is not up to standards and should be improved. Additionally, their service for monitoring they encourage you to sign up for includes forfeiting your write to sue, and this is ridiculous. If they were really looking out for customers this language would not be included.
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

After struggling to pay down my bill with my planned payments. I realized that Bank of America had increased my fixed interest rate from 6.5 % to 10.99 %. I have had this card since XXXX and the rate was fixed at 6.5 % until sometime in XXXX. I am not sure when. I called to request that they lower it back to the original fixed, provide a refund for the overcharged interest, OR provide me with the agreement I signed to change the card 's terms. I was told " you didn't think you would have 6 % forever, 11 % is still really good for most of today 's rates ''
Consumer complaint received 2017-09-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (AL)

coinbase.com, they have defrauded many people of money. The need to give us our bitcoins or money back ( with interest )! No one answers the cellphone attached to coinbases sec filing and the voicemail is full. I tried calling it 100 times in a day, someone kept turning it off and back on, so they received the calls. 

Coinbase.com has committed many counts of fraud and complaints need to be filed or they will just continue to commit fraud. Here is the definition of fraud, let the legal system be the judge : 1 a : deceit, trickery ; specifically : intentional perversion of truth in order to induce another to part with something of value or to surrender a legal right b : an act of deceiving or misrepresenting : trick 2 a : a person who is not what he or she pretends to be : impostor ; also : one who defrauds : cheat b : one that is not what it seems or is represented to be Company information : COMPANY CONFORMED NAME : Coinbase Inc. 
CENTRAL INDEX KEY : XXXX IRS NUMBER : XXXX STATE OF INCORPORATION : DE FISCAL YEAR END : XXXX FILING VALUES : FORM TYPE : XXXX SEC ACT : XXXX Act SEC FILE NUMBER : XXXX FILM NUMBER : XXXX BUSINESS ADDRESS : XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX CITY : XXXX XXXX XXXX : CA ZIP : XXXX BUSINESS PHONE : XXXX SEC complaint center : XXXX XXXX XXXX FBI XXXX ( Internet Complaints ) : XXXX XXXX XXXX California Attorney General : XXXX XXXX XXXX XXXX XXXX District Attorney : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

Experian has investigated an account that is in error but has failed to properly correct the account. The account is with CHILD SUPPORT ENFORCEMENT and the Account Number is XXXX .... Previously the account listed a monthly payment of {$2800.00}. Now the account lists a monthly payment of {$1200.00}. Neither are correct. The correct monthly payment is {$0.00}. Experian has failed to properly correct this account.
Consumer complaint received 2017-09-09
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. (NY)

I have submitted numerous complaints in regards to equifax credit reporting agency. Today upon checking my credit score on XXXX XXXX my score went down another 35 points. Equifax sent me a letter stating they do not work with the other credit reporting agency 's and basically my complaint and additional supporting information I uploaded to them does not matter. I have wrong information reporting on my equifax credit report. XXXX XXXX XXXX is one of them. This has been going on for over 6 months now. This account was deleted off my XXXX credit report so I uploaded the proof to show equifax that they company deleted it off my report and the investigation I put in again with equifax should have received the same response. Then I get this letter stating they do n't work with the other credit reporting agency 's?. I contacted XXXX XXXX XXXX again and was told the same thing. They will respond to delete off my report. I do n't appreciate having this account reporting on my equifax report as it is affecting my credit score and credit worthiness. Equifax is not working with me and I feel I am just being blown off at this point. This is my credit and I have full expectations for them to correct the situation. Again as I stated earlier I have been disputing and trying to correct this for over 6 months now. I 've uploaded substantial proof that the account to be removed and still it 's reporting as charged off to a bad debt. On top of this those charges were fraudulant charges made over a year ago.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (MI)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2016-06-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Arnold Scott Harris, P.C. (AZ)

The firm of XXXX Arnold Harris not only filed this garnishment with false information, they knew my correct address at the time of filing but chose not to inform me so I could dispute the claim. They have a document that does not add up to the amount the received. The court document shows a judgement of {$1800.00} plus their fee of {$840.00} for a total of {$3600.00}. I 'm sorry but where I went to school that only adds up to {$2600.00}. Then not only did they over collect for that amount they received an extra {$95.00} over the {$3600.00}. I have given them plenty of time for them to refund all of the overages but as I figured their dishonest approach to collections also includes theft. I have read a lot of the complaints of this company and wonder why they are still in business. I thought these underhanded thug like tactics were against the law and why the CFPB was created. this company has violated every collection policy they can and should be held responsible.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (FL)

The following are Unauthorized HARD Inquiries on my Credit Report. Please I am asking for assistance to remove them. I am trying to buy my first home and these are a problem for me. Please help me. They are all on my XXXX Equifax and XXXX reports I would NOT have given the Authorization to run my Credit in multiple sequence as such such as I know very well the Negative impact that it can have on me. I really need your help with this. I have called multiple times and all I do is get a Voice Tree that never takes me to a Live Human whom I can Speak with, I get cut off as they are asking for information that I do not have and would not have had as I do n't have an account with them, the few times I do get a Live person they do n't know who to transfer me to. Please Help me Thank You. 

Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of Company-XXXX  Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Name of Company- XXXXDate Inquiry Date XXXX XXXX   XXXX, TX XXXX ( XXXX ) XXXX Name of Company-XXXX -Inquiry XXXX XXXX  XXXX, CA XXXX ( XXXX XXXX XXXX Name of Company - XXXX XXXX XXXX  -Date Added-XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX   Date Added- XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX Inquiry DateXXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Name of Company XXXX XXXX XXXXXXXX XXXX Inquiry Date- XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Name of Company XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX- Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of Company-XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX XXXX Date of Inquiry XXXX XXXX -Inquiry Added Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquires XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX, XXXX Date of Inquiry XXXX/XXXX/XXXX XXXX XXXX Date of Inquiry XXXX/XXXX/XXXX
Consumer complaint received 2017-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

On XXXX/XXXX/XXXX, I received a mail letter from XXXX XXXX, notifying me that I had a late payment on my credit card account. I immediately made full payment which was owed on the same day. Then I applied for a home loan equity during XXXX XXXX, and was informed by my loan specialist that a late payment was posted on my credit report for XXXX. I immediately tried to dispute with XXXXXXXX XXXX, considering that the late payment happened in XXXX and I was not notified until XXXX, the same time with when they reported to the Credit Bureau. I also had auto payment set up on that account and it did not work. Even now, I had to manually make payment every month because the auto pay function is still not working. I tried to contact XXXX XXXX  Card member service twice and they only sent me a general response and kept asking me to give them more information, which I already did. I already made request twice to them that the false report has to be removed from my credit report. They did not want to acknowledge the fact that the had failed to give me proper notice within 30 days when the incident happened. I was not allowed the proper time to act on it. 
This false late payment report has hindered me from closing on my equity loan, which resulting in thousands of interest I had to incur during this time.
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (FL)

My Barclays credit card has twice misreported activity on my credit card. Once in XXXX XXXX and XXXX XXXX. Talking w/ someone on their customer service line is a waste of time. They do n't understand what you are complaining about and make unrelated suggestions to resolve your problem. Talking w/ them gets you nowhere. I have not made purchases that caused me to exceed my credit limit. When the company has added my monthly interest to my balance ( which I would not know ahead of time the amount will be ) and it causes the balance to then exceed my credit limit they turn around and report that I went over my limit. No other credit card uses this unfair practice. How would a consumer know ahead of time at what point to not exceed. If that were the case they should say if you have a {$3500.00} credit limit ... .never spend over {$3400.00}. It 's ridiculous. I am filing a formal complaint over this unfair practice with the FTC, the CFPB and w/b filing a dispute on my credit reports. I canceled my account today but I want this fixed.
Consumer complaint received 2017-02-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

They refuse to reply to all my disputed letters I sent to them, and refuse to fully remove the collection off my credit report. XXXX and XXXX has already gotten notification of removal but they have not removed it off my XXXX report and it is impacting my ability to obtain credit.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (CA)

In XXXX XXXX, Equifax revealed that 143 million individuals had their personal identifying information hacked from mid-May to XXXX. After waiting nearly three months, the hack was revealed to the public. Despite offering a website that allows individuals to determine if their own information was compromised, it now appears that this website does not provide accurate information, instead producing randomly generated answers. For example, entering obvious bogus information such as " Name, XXXX '' gives a prompt that your information may have been compromised. Additionally, Equifax is not-so-subtly guiding users to sign up for free year of credit monitoring ( which requires a phone call to cancel the $ XXXX service after the year is up ) while agreeing to terms and conditions that potentially infringe upon affected consumers ' ability to file lawsuits ( both individually and as a class ). Consumers are being advised to use our free annual reports to verify our current records and dispute any incorrect information ( essentially using up our free report for Equifax 's screw-up ). Will we not be forced to potentially pay for our reports down the road if our identity see if it is indeed stolen? Should Equifax not be compelled to cover these costs and eventualities? Furthermore, most consumers are being advised to add fraud alerts to our credit reports at a minimum. Ideally, consumers should put freezes on all their reports, but that costs money. Again, should n't Equifax be responsible for these costs since this debacle is their making? 

At this point, 143 million consumers have no idea who has their information and how it will be used. Equifax 's process for helping consumers determine if their PII has been compromised is of dubious utility at best. Equifax should be held responsible and correct their massive mistake. We all understand this is all developing very fast, but it seems to me that the priority should be to make these 143 million potential identity-theft victims whole again, however long that may take.
Consumer complaint received 2016-05-02
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IN)

My parents attempted to put cash in their grandson 's Chase bank account. They could not because they were not account holders there. They were told to use a cashier check, personal check or money order. None of these allow instant access to cash and/or cost money. This seems like a plot to force people to open chase accounts and not combat money laundering. ( For Pete 's sake there are more efficient ways to launder money through Chase Bank without stepping foot in a branch )
Consumer complaint received 2017-11-08
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Sunset Management, Inc (GA)

Contacting me about other people I know accounts. Threatening to call the police and pull up at my residence. Employee used her job title to have XXXX XXXX with someone I know who has an account as well