davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Control, LLC (PA)

I cancelled my XXXX XXXX  account in XXXX when I moved to a new residence. XXXX reopened my XXXX  account without my consent after the move and incurred unauthorized charges. I tried to work this out with XXXX through XXXX but they were extremely rude and unreasonable. They eventually sent the account to a collection agency, Credit Control , LLC ; www.credit-control.com. Therefore, I reached out to Credit Control and we worked together on XX/XX/XXXX on a pay for delete agreement to remove the unauthorized account from my credit reports. The pay for delete agreement was : I paid the {$120.00} USD to Credit Control on behalf of the fraudulent XXXX account, in exchange for the account being removed from my credit report on all three major credit bureaus. I paid the agreed upon amount amount on XX/XX/XXXX. However, Credit Control has not held up their end of the pay for delete agreement. They collected the money, marked the account balance as XXXX balance but did not delete it from my reports. The agreement was a Pay For Delete and they are not holding up their end of the deal. I contacted Credit Control on XX/XX/XXXX in regards to their neglect to hold up their end of the agreement. They never responded to the email correspondence. I have emailed them again today, XX/XX/XXXX in hopes to reach them to remedy this issue. I am filing this complaint because they are not holding up their side of the pay for delete agreement. How can you trust a debt collecting company if they take your money, then do not hold up their side of the agreement?!
Consumer complaint received 2020-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX  ; XXXX  and Transuion should not be reporting a collection/chargeoff in the amount of {$1500.00} on the XXXX XXXX XXXX XXXX XXXX XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I lived at the apartment complex for ( 1 ) year and I paid on-time every single month. I never missed a payment. They offered for me to stay if I agreed to a raise in my rent. I decided I wanted to move. I completed my original lease term, gave the appropriate notice to vacate and moved out. This collection is completely unsubstantiated. I did not owe any outstanding debt and therefore there is nothing to collect and/or chargeoff. I did not know that they sent this account to collections until I obtained a copy of my most recent credit report. This false reporting of a collection/chargeoff that I do not owe and that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the apartment complex as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS 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. 
Bankruptcy account has been removed from XXXX. which means it should be remove from XXXX and experian now. I demand that you remove these public record from my credit file. It is a violation of my right to privacy Pursuant to 15 USC 1681a ( 4 ) and 15 USC 1681b of the Fair Credit Reporting Act. Ive attached the updated credit report which shows the public record removed from XXXX.
Consumer complaint received 2022-08-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Finance System of Toledo, Inc. (OH)

This occurred on Friday XX/XX/2022. Finance Systems of Toledo has contacted me about medical debt owed to a dentist. On more than one occasion, I told the debt collector ( XXXX XXXX ) that the amount owed is incorrect as I have already paid for the service but XXXX was still insisting I pay the entire amount he was billing me for, which included the amount I already paid. I have yet to receive an updated bill reflecting what I've already paid. Previously, I had asked XXXX what the amount of time I have before this is reported to the credit bureau and XXXX said he didn't know. I asked for a validation of the debt I owed and I was mailed information from the dentist that included protected health information which was sent in XXXX, prior to my knowledge of the debt collection. I contacted XXXX to let him know that this information is a HIPAA violation and my rights were violated when the agency obtained this information. XXXX said that that wasn't true and I must not want to pay my debt, which is the second time he has said that. I reiterated that the amount I'm being told to pay is incorrect and asked to speak with his supervisor. 

When I spoke with his supervisor, I relayed that my rights were violated by my private health information being given to an entity I did not give consent for my information to be disclosed to. His supervisor said if I didn't want my information being given out, I should just pay my bill on time ( a bill I've already paid ).
Consumer complaint received 2022-08-25
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. (TN)

These accounts are still on my report and needs to be removed. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX These accounts are affecting me from purchasing a home, car and providing for my family at full potential. Please have these accounts removed immediately. Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2022-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

These accounts are still on my report and needs to be removed. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX These accounts are affecting me from purchasing a home, car and providing for my family at full potential. Please have these accounts removed immediately. Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2022-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

Lakeview Mortgage Company transferred my mortgage to XXXX XXXX XXXX  for servicing. 

XXXX XXXX requires that I go to their website and enter all my information for their records. This is inconvenient and a waste of my time because they should automatically get the information from Lakeview. After all, XXXX XXXX purchased the serving contract because they expect to make a profit from the new business. 

It is unfair to have the consumer use his time to save XXXX XXXX and Lakeview money during the transfer process. 

It would be fair if XXXX XXXX or Lakeview gave a reasonable $ credit to the mortgagee.
Consumer complaint received 2020-04-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PARKSIDE LENDING, LLC (IL)

I closed a transaction with Parkside lending last XXXX of XXXX, when the first payment letter came it was very confusing and I received several. I called my LO and he helped clear up the confusion. I made my payment of {$1900.00} and included a extra {$100.00} to my payment on XX/XX/XXXX I didn't realize that they sent me my payment back of {$1900.00} on the XXXX of XXXX. I was out of town and when I got back I kept getting calls that my payment wasn't made. I called my loan officer, because of the language barrier. I still wasn't understanding why they were calling for payment. My LO asked me to get the bank statement to show that I made the payment. when I went to get the statement and I sent it to him. there's where I realized they sent me my payment back for no reason. BUT they NEVER sent me my {$100.00} overage I made towards principal back. I had the exact same problem happen in XXXX, but this time some how they took the payment back after reversing again. But again, they never sent me my {$100.00} back. so now I was out overage of {$200.00} and they're calling me for money. VERY SLOPPY AND CONFUSING. XXXX told me to make XXXX XXXX payment and that I wouldn't be marked late because of their obvious error The overage got worked out, now I have my credit destroyed and they refuse to help me with removing lates from my credit. they have me with 60 and 90 days late, when it was their fault. They waived the late fees because of their mistake but wont remove the lates. HORRIBLE, it doesn't make any sense, especially after researching, Per servicing guidelines, lenders are not supposed to mark you late if a mistake happens through the transferring processing of a loan. Now they got their money and they don't seem to care about the customer now that they made their money. Now my loan has been sold several times because of my credit being so low. nobody wants my mortgage because they think I'm high risk. Every month, I'm panicking to make sure the correct servicer has my payment. I have now retained an attorney and will be seeking legal action because of their negligence. I have the proof that, they reversed the money and there was sufficient funds in the account. WORST COMPANY EVER!!!!!!
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NY)

XX/XX/XXXX. Equifax charged my XXXX {$140.00} for an annual subscription to Equifax Credit Watch Gold with 3-1 Monitoring   XX/XX/XXXX. Called Equifax to cancel subscription to Equifax Credit Watch Gold with 3-1 Monitoring and was told by Equifax  representative XXXX XXXX that I would need to confirm my identity by sending a copy of my W-2 and drivers license to XXXX. XXXX  XXXX, XXXX, GA XXXX XX/XX/XXXX Via certified mail, sent copies of my W-2 showing social security number and copy of my NY drivers license that shows my current address via certified mail. Also instructed Equifax to cancel the subscription and told Equifax they have no authorization to charge any of my credit card accounts for any services. 

XX/XX/XXXX. Received confirmation from USPS that letter was delivered to Equifax XX/XX/XXXX at XXXX XXXX  XXXX/XXXX/XXXX I called Equifax and spoke to representative XXXX XXXX XXXX. He said it will be 7 to 10 business days from XX/XX/XXXX, so should be able to cancel XX/XX/XXXX to XX/XX/XXXX. XXXX  claimed he draft up a ticket number to make sure my request is processed and he provided me the ticket number. 

XX/XX/XXXX I called Equifax and spoke to representative XXXX XXXX, who confirmed my account and then attempted to sell me more product. I explained to her the history of me attempting to cancel and I just wanted to cancel. She put me on hold and then told me she couldn't cancel my account but I should call Equifax Global Consumer Care XXXX. 

XX/XX/XXXX. Per instructions from XXXX  XXXX, I called Equifax Global Consumer Care XXXX several times and nobody answered. 

XX/XX/XXXX. Called main line for Equifax and was given a new number to call XXXX to cancel subscriptions. 

XX/XX/XXXX XXXX XXXX  called XXXX and talked to XXXX XXXX who said his system was down and I needed to call back in 2 hours XX/XX/XXXX XXXX XXXX  called and reached XXXX XXXX who told me that my account has been inactive since XXXX and she has no record of the charges on XX/XX/XXXX. XXXX said she can't cancel the subscription because the account is inactive and she said any charges subsequent to XXXX would be fraudulent.
Consumer complaint received 2020-04-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (FL)

My household is financially affect with COVID-19 Pandemic. So I made a call to Caliber Home Loans XX/XX/XXXX. Held for an extended period of time to speak with a SPOC. Finally got an agent & she was suppose to set me up on the Covid forbearance & stated I would receive paperwork in the mail in appx 1wk. After a week XXXX I rec 'd nothing, so I made another call out. After waiting appx 2hr I spoke with XXXX # XXXX. She advise she saw the request but paperwork had not generated. Frustrated at the long wait times I sent an email thru the wed XX/XX/XXXX. Then on XX/XX/XXXX XXXX # XXXX w/Bankruptcy dept call in reference to the web inquiry. I inquired if the plan was set-up & paperwork generated, He reviewed my account & saw the previous call notes and advised neither rep had set my account up on Covid FB after 3wks. He states he put in a require this time but I have no faith in this since 2 previous agent did not follow thru. This is my home & should be taken seriously.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

I have called and filed several disputes online. XXXX and XXXX are reporting my COMENITYBANK/VICTORIA card as a closed account. This account is not closed and I am current with my payments. I verified with the creditor that the account is still open and was not reported as a closed account.
Consumer complaint received 2022-08-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: VYSTAR CREDIT UNION (FL)

I got a loan with VyStar Credit Union and the first payment was due on XX/XX/XXXX. As of XX/XX/XXXX I had not received any form of communication from Vystar regarding my first payment due date, account number, member number ; nothing. Thankfully I realized that I had made my purchase about a month prior and pulled out the contract and found that the first payment due date was in fact on XX/XX/XXXX. I called Vystar and after sitting on hold for a very long time ( more than 30 minutes ) a woman answered and told me that I could always pay online but I would have to set my account up. In order to set the account up, I needed the loan number, a savings account number ( apparently it automatically generates ) and my member number. After reminding her that they had not sent me any of that information, she said that she could take the payment. 

My initial payment was made on the afternoon of XX/XX/XXXX, I received a confirmation number over the phone as well as a confirmation e-mail that day. 

When I went to make my 2nd payment on XX/XX/XXXX, I saw that I had been charged a {$15.00} late fee. When I examined the account closer, I found that my payment made on XX/XX/XXXX was not posted by Vystar until XX/XX/XXXX. I have since called Vystar numerous times and after being on hold for over 80-90 minutes ( in total ) have been told twice that I would be called back, once put on hold just to be put back in the queue, and once hung up on. Two of the customer service ladies told me that they could reverse the late fee to at least take care of that, instead one of them added another late fee so I've been charged {$30.00} in late fees when no payments have been late. 

I have asked them to pull my initial payment and repost it back dating it to XX/XX/XXXX when I actually made the payment, along with removing the late fees. No one seems to care or know how to fix the multiple issues they have created. 

As I type this, I'm back on hold to discuss the 2nd late fee.
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act, Experian has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. 

Experian Information XXXX has been reporting an account XXXX XXXX XXXX on my credit report that was opened due to fraud. I disputed the account in XXXX of XXXX, and they stated it was removed, and then reinserted, and have not sent any documentation.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

**Capital One shopping** app/ XXXX  extension Ive got a couple emails from capital One since I have a couple of their credit cards telling me to download their new service capital One shopping no credit card needed just a free service that provides savings and rewards on online purchases. So I went ahead and created the account looked at deals and they were offering 35 % cashback/rewards on XXXX purchases. Purchase was made on XX/XX/XXXX So I followed the instructions purchase was made of {$140.00} with the reward of 35 % back. After a couple weeks I noticed my rewards were still showing pending and I reached out ( XX/XX/XXXX ) to customer service to let them know this is my first time using the service how long does usually take and what are the proper steps and I made sure I clicked activate as shown in the pictures below so I can get my reward both times reps have told me you have to wait to 30 days and contact us again if it doesnt show after 30 days. After reaching out three more times with no replies even replied back to the lady asking whats going on I got an auto response in case was closed. Capital one claims in their email that they do not pay the reward the merchandise so essentially its a scam and capital one reeks the benefits of affiliate links getting you to click on the link purchase through their link and they get a percentage while the consumer gets absolutely nothing. I only made this purchase through them because of the cashback/rewards you can even see the false advertisement today as I went to their app and it shows 95 % cashback/rewards on the purchase so essentially youre paying 5 % of a total price no business is going to offer that if they want to be around total scam something needs to be done and you can never get a hold of anyone on a phone number its all done by email which is totally frustrated.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XXXX XXXX XXXX main was reported to be removed off my credit report by experian now its listed as remains. Also XXXX XXXX with their incorrect information on my credit report is stopping me from getting a vehicle something i desperately need. Life asset have no idea. XXXX XXXX knew they got paid & tmobile was supposed to pay to remaining balance. XXXX XXXX XXXX I asked for original contract. Never sent it
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CO)

I booked a hotel in XXXX last XXXX using points from my Chase Sapphire Reserve card for 5 nights. The hotel was not as described, so I spoke with the front desk and they assured me I could cancel the remaining nights. Chase has not reimbursed me for the 4 unused nights. I have contacted Chase 10 times via phone starting in XXXX, and reached out over XXXX. Each interaction ends with a promise that someone will get back to me in 24-72 hours. However the points remain unreimbursed and no one from Chase has contacted me. 

I called Chase to try and resolve this on XX/XX/1920, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX and XXXX. Each call lasted between 30-90 minutes. I reached out via XXXX on XXXX XXXX, XXXX and XXXX.
Consumer complaint received 2022-08-25
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. (FL)

I disputed inaccurate information that was placed on my Equifax credit file by XXXX XXXX in XX/XX/XXXX via Certified letter. I received a response from Equifax stating that the information on my file was verified. XXXX XXXX is reporting two different accounts with different accounts number and multiple names to Equifax. I have attempted approximately six years to have this information corrected. I dont own this account anymore. The home have been sold and the current owners are living in the home XXXX XXXXe purchased this account from XXXX XXXXe in XXXX but stating that they are the original owners. Ive attached as much documents as possible along with a spreadsheet that Ive created.
Consumer complaint received 2022-08-25
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. (LA)

I have requested numerous times to get these disputes removed off my credit reports, they are keeping me from getting approved for my mortgage to purchase a home. I have already submitted complaints XXXX / XXXX / XXXX. I have contacted XXXX, Equifax, and XXXX to please removed these disputes from my credit reports, they have said that it was done, but it is not. Please help me to get these disputes removed from my credit report, I am past frustrated and tired of talking to these companies about getting these disputes removed.