davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2018-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AL)

XX/XX/2018 Payment {$98.00} XX/XX/2018 Payment {$98.00} XX/XX/2018 Payment {$5.00} XX/XX/2018 Payment {$98.00} XX/XX/2018 Payment {$98.00} XX/XX/2018 Payment {$98.00} I already had a hard enough time getting XXXX XXXX to process my PSLF paperwork. It took MONTHS for them to correctly process my paperwork, forcing me into forbearance. I have made the following payments towards my PSLF program and my account is showing NONE of the payments have been applied towards my 120 qualifying payments. I do not know what the {$5.00} was for. I received notice that amount was past due, even though I had made the full {$98.00} payment on XX/XX/2018. I need this rectified IMMEDIATELY! Me making payments on time, towards my 120 payments and them not being applied, is wrong and cheating me out of my qualifying payments ... forcing me to try to make MORE qualifying payments.
Consumer complaint received 2018-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (TX)

On XXXX via telephone, I requested XXXX XXXX XXXX to decrease my finance rate noted on my XX/XX/XXXX statement to be 14.24 %, I spoke with rep named XXXX and informed that I have good credit score, never late, never over balance and have other credit cards with finance rate as low as 9.99 %. XXXX did decrease to 7.99 % finance rate until " XX/XX/XXXX '' with confirmation # XXXX. After that time, XXXX said that I could call back to get my finance rate decreased again. Per my XX/XX/XXXX statement, my finance charge is now 14.74 %, which is an increase from what it was back in XX/XX/XXXX. On XXXX via telephone and after a hold time of 27 minutes, I requested that XXXX decrease my finance rate again. The rep, XXXX, said that they can decrease only to 12.99 %. I asked why the finance rate increased even MORE than it had been before my first request to decrease it and she said " there was a federal Prime Rate increase. '' She could not tell me the amount of the Prime Rate increase. I explained that I have a very good credit score, never pay late, pay more than minimum each month and have never gone over my balance amount AND have other credit cards with lower finance rates as low as 9.99 % that have NOT had an increase in finance charge. I check transactions each week and statements each month for every account that I have. My complaint is that it appears that XXXX is taking advantage/capitalizing on and penalizing of those with good credit scores and payment history by applying less than fair finance rates, knowing that a consumer will not close an account as this could negatively impact their credit score. I have a " very good '' credit score per XXXX > XXXX, with " exceptional '' payment history and " good '' debt. The XXXX rep said that the best she could do was decrease my finance rate to 12.99 %, and when I asked she answered that this was effective immediately and only until XXXX. It seems that XXXX has deviant or perhaps even unethical practices ( increasing credit scores to whatever they want and without sending the consumer official notice ) with taking advantage of those with good or exceptional payment history and very good credit scores knowing that they will not close their account as that could cause a negative impact on credit score.
Consumer complaint received 2018-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have been dealing with identity theft over the past couple years and Trans Union seems to be the only company that will not remove the information that I have asked them to remove multiple times now. There are multiple address 's that are 10+ years old that the person stealing my identity is using and they will not remove them from my account. There are multiple phone numbers that are not mine that they will not remove from my account. I also have a hard inquiry that the person stealing my identity opened a card in my name, I had the card deactivated and asked for the inquiry to be removed and they have not removed it. The company the inquiry is from also wrote them and asked them to remove it. No other credit company has been this difficult to work with and I am at a loss on how to remove these things from my credit file, my next step is a lawyer.
Consumer complaint received 2018-08-25
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: Experian Information Solutions Inc. (SC)

Inquiries that I didn't authorize. I've done all I can do to get these off. It's unfair that businesses can continue to put these inquiries on your credit report illegally.
Consumer complaint received 2018-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have one inquiry on my TransUnion credit report by the following company : 1.  XXXX XXXX XXXX XXXX on XX/XX/2018. 

I do not recognize this inquiry and I am therefore disputing it with TransUnion and XXXX XXXXXXXX XXXX.
Consumer complaint received 2018-08-26
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. (NY)

Hello, my name is XXXX XXXX I failed to pay my XXXX XXXX payment on XX/XX/XXXX due to financial issues and attempted to salvage the account by paying on XX/XX/XXXX on thursday XX/XX/XXXX I receive a notification that my payment did not go through. 
As soon as I receive the notification I paid the balance but XXXX XXXX reported my account. I take full responsibility for the missed payment on XX/XX/XXXX but my bank rejected my payment on XX/XX/XXXX which made my account 30 days late. I paid with the wrong bank account number and made the payment with the correct account as soon as I received the notification. I would really like to get this removed off of my credit report because I did not know the bank would reject the payment and I rectified the mistake as soon as I became aware of it.
Consumer complaint received 2018-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MB FINANCIAL, INC. (NY)

I applied and received a mortgage from MB Financial in XX/XX/2017. I usually make extra payments to payoff my mortgage sooner. I have made several payments to principal on line on the bank '' s website. 4 of the the payments made have been mis-applied. I have had to contact them to reverse those payments and re-apply correctly. Each time they admit that they need to correct the processing method on their website, that they have been having problems with this. They have not done that yet. As a result, I am paying extra interest on my mortgage. I am a semi retired senior who worked in the XXXX XXXX for over 22 yrs. Including working for the XXXX. I would like for the Consumer Financial Protection Bureau perform an investigation as to why they are applying payments incorrectly.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (NY)

On XXXX XXXX, XXXX, my house went into foreclosure and Owcen was notified and confirmed that the house was indeed foreclosed and they were going to notified the XXXX credit bureaus ; XXXX, XXXX, XXXX, and update their file. Upon further investigation, it was reveal that Ocwen continue to show that the loan was open and activity on the loan until XXXX XXXX. In addition to showing the loan as active, Ocwen reported to the XXXX credit bureaus that I was 120 to 180 days late when in fact the loan was closed and house was foreclosed on XXXX XXXX, XXXX.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

Their is an eviction coming up on my record that is preventing me from renting an apartment. This eviction was from  XXXX  and it was ordered by  a Judge t o be dismissed and the files to be sealed on  XXXX   XXXX ,  XXXX . This eviction is still coming up on my record and I am homeless with my kids because no one will take the legal documents that I have regarding this case. In order for me to rent an apartment.
Consumer complaint received 2018-03-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I have repeatedly sent out complaints about XXXX collection agency. Texas requires all collection agencies attempting to collect debt or reporting on consumer reports to have a surety bond on file with the secretary of the state of Texas. XXXX ( XXXX XXXX XXXX ) does not have an active surety bond filed. The results of my complaint are on file with the XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX ) is the company filing on my credit file. I Have Filed a complaint with the XXXX XXXX XXXX Of Ohio, as well. I have also filed a fraud complaint with the attorney general of Texas, after a follow up call with the XXXX XXXX   XXXX of Texas. All of these actions have taken place between XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In XX/XX/XXXX the XXXX XXXX, FL courts order XXXX XXXX   to remove the debt they had reported on my credit profile to be removed. I contact XXXX  three times and provide documentation on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All three times I received notice that they could not remove this debt off my profile. WHY! I have a court order stating it needs to come off. What else do I have to do to resolve this?
Consumer complaint received 2017-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

RE : Report # XXXX I 'm complaining because Transunion have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing back in XXXX. On XXXX XXXX of this year, I sent them a dispute letter requesting that they verify all data for the disputed account and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. Thank you.
Consumer complaint received 2018-08-26
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: ERC (AZ)

I first received the collection from ERC on XX/XX/2018. I responded immediately with a certified validation letter that they received on XX/XX/2018. On XX/XX/2018, they sent another letter acknowledging receipt of my letter. They only provided a bill for validation. On XX/XX/2018, I sent them a response letter informing them that they did not correctly validate the debt. They received the certified letter from me on XX/XX/2018, but I never heard back from them after the second letter I mailed them. Next thing I know they reported to at least two of the credit bureaus on XX/XX/2018 stating that I owe this debt that they never validated.
Consumer complaint received 2018-08-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

For the last three days in a row, I have received three calls a day, and today there have been two calls so far. All calls have come during hours when I have been at work and unable to take phone call or handle making a payment on my balance due. One of these calls also came late at night, at XXXX XXXX. The calls came from ( XXXX ) XXXX at XXXX, XXXX, and XXXX XX/XX/XXXX. Then from the same number at XXXX XXXX, XXXX XXXX, and XXXX XXXX on XX/XX/XXXX. Then again from the same number at XXXX XXXX, XXXX XXXX, and XXXX XXXX on XX/XX/XXXX. Then again from same number at XXXX and XXXX XXXX so far today XX/XX/XXXX. The company doing this is XXXX XXXX/Care Credit for my Care Credit account which I started very recently to help pay for a hefty vet bill
Consumer complaint received 2018-10-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: GREAT WESTERN BANCORP, INC. (IA)

XX/XX/2018 I sold a XXXX through XXXX XXXX XXXX here in the XXXX XXXX IA. XXXX   XXXX  Check  is through Great Western Bank here in XXXX XXXX IA. He mailed my check to me and I went to Great Western Bank XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX phone # ( XXXX ) XXXX and was told I need to pay a {$5.00} check cashing fee due to I am not a member of their bank. I refuse to let them blatantly steel my money. The check a issued by their bank and I will not pay the fee. I went and talked to the Branch Manger XXXX XXXX and she attempted to lie to me that all financial institutions charge this fee. I told her I will go file a complaint with the Feds and she told me to go ahead. I went to one of my banks and ask them if the same scenario a would happen, would the person be charged and my bank said no. Great Western Bank is a lier and thief. My complaint is filed.
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2017 60 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Consumer complaint received 2017-04-19
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Bank Of America Worker r obed me  XXXX  Dollars because  Bank Of America   XXXX   XXXX  ATM Cards  XXXX  and Address not mine I have not been able  XXXX  open new Bank account after  Bank of America   XXXX  me
Consumer complaint received 2018-10-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Local Data Recovery, LLC (KS)

Received a call this morning from XXXX ext XXXX. Caller did not state her name clearly. Claims " the attorney '' is going to file a wage garnishment against me today in my county for a debt of {$1500.00} Refused to provide information about supposed debt other than to tell me the company is " XXXX '' through XXXX and that the last payment I made was for {$30.00} on XX/XX/XXXX and the account was closed in XX/XX/XXXX.  Claimed that many letters, emails and phone calls have been sent to me by 5 different collection agencies. Would not tell me the name of the collection agencies. Kept informing me that " the attorney '' allows 1 courtesy call before filing a wage garnishment. I asked for clarification on if I was being sued for debt collection. She stated they are not a debt collector and I was not being sued - that a court order for wage garnishment will be filed today. Still would not give me any information. I told her I would do some research and call her back today. Then I checked my credit reports and found no record of this debt. I then called XXXX directly and was told there was an old debt, then I was provided with an address with XXXX to request the documentation in writing. The XXXX representative was very nice and told me to contact the supposed law firm and " request validation of the debt ''. I called the " law firm '' back and, requested a validation of the debt but was told " we can validate the date but we have to go ahead and file for wage garnishment today, you'll get served papers and you can review the documents at that time. '' I asked for the company name and address so I could make my request for debt validation in writing. Instead I was given directions on how to look up their corporation address through SIS.GA.GOV, corporations business search. I now have to A ) write a letter to XXXX for information and B ) go through several online steps to simply obtain an address for this supposed law firm so that I can make a written request for validation of the debt.
Consumer complaint received 2017-06-20
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. (NY)

There is 2 accounts that are reporting on my XXXX credit report that is suppose to be deleted. XXXX has finally confirmed these 2 accounts and deleted them off my report however XXXX  keeps just updating the information which is wrong. XXXX XXXX XXXX and XXXX should have been deleted off my XXXX credit report over 2 months ago. Yesterday XXXX/XXXX/2017 I received a letter in the mail of the outcome from the investigation again. It shows the same information that these accounts have been confirmed as mine and updated. This information is wrong which is leading me to believe they are not doing a proper investigation. Like I mentioned earlier XXXX had done there investigation and deleted the 2 accounts. That means the same response from these 2 companies should be the same. I have been disputing this with XXXX for quiet some time now and they refuse to delete these accounts which is causing a hardship and a negative impact on my credit score. I am submitting this complaint about XXXX because they fail to do a proper investiagtion because I myself have contacted both companies and was told the information will be deleted once they receive the dispute.
Consumer complaint received 2017-06-20
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: Experian Information Solutions Inc. (TX)

I had a fraud alert placed on my credit file that indicates anyone who runs my credit should call me for verification and this was not done and it violates my rights as a consumer. I have reached out to the credit bureaus on more than one occasion to advise of my credit being pulled without my permission and received no resolve. I have also attempted to dispute these unauthorized inquiries multiple times to no resolve.
Consumer complaint received 2017-06-20
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: EQUIFAX, INC. (CA)

On XXXX-XXXX-2017 I noticed on my Equifax report that my available credit went from around 10-11k to XXXX. I noticed there were a whole bunch of things that were removed without my consent. I contacted two of the creditors who stated they would send the information to Equifax. I then contacted Equifax and spoke to a representative who stated they did n't remove it but the creditors requested it removed. I asked for a supervisor and also contacted one of my creditors to do a conference call so she can tell them they never requested the account removed. When the supervisor got on the phone, I informed him I had XXXX on the phone. The rep from Equifax then became very hostile and kept saying he can not do a conference call. He then proceeded to hang up. Again, this company is crooked, they do n't do disputes and they remove whatever they want and then blame it on the other party.
Consumer complaint received 2024-01-10
Product: Credit reporting 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: Duvera Billing Services, LLC (WI)

On XX/XX/2023. I signed a contract through " XXXX XXXX XXXXXXXX '' at " XXXX XXXX XXXX XXXX, XXXX, WI XXXX '' for a loan to fix my car. Months later, I got charged insane interest rates despite missing about XXXX or XXXX payments. After I paid it off in full on XX/XX/2023, I contacted Easypay Finance when it would be reported, On the first call the agent claimed that the report would pop up in XXXX months. 2 Months later, on XXXX, I see nothing on my credit report so I wait until XX/XX/2023, to see if it shows up, nothing yet. I called Easypay Finance today at XXXX XXXX, the agent claims they report at the end of each month, so the end of XXXX is what the agent claimed. I then say okay, so I check in with the XXXX agent and the agent sees nothing about Easypay Finance on my report or any accounts.