davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-05
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. (IL)

I have contacted all 3 credit reporting agencies regarding a XXXX XXXX account financed through XXXX XXXX. This is not a duplicate! I have contacted XXXX XXXX on numerous occasions and have constantly been redirected by their customer service center. Below is a description of my complaint. The times purchased were from years ago and I resolved this matter with XXXX XXXX, please see notes below. I am standing on the fact that I bought used furniture and the store refused to take the furniture back. I asked the 3 credit reporting agencies to conduct an investigation into this matter as the store has not been able to assist me. 

I did receive a letter from Equifax stating this information is not reporting on my credit file, however, when I looked at my credit file again XXXX XXXX is still listed. 

In 2013, I purchased a sofa and chair from your XXXX XXXX, IL location financed through XXXX XXXX. This letter is to bring to your kind notice the inferior quality of the furniture supplied by your reputed showroom to my apartment. 
Unfortunately, the furniture I purchased was of such poor quality I eventually had to discard. The mentioned pieces of furniture started losing their shine and quality in no time. Further, the sofa collapsed a month after purchasing. I contacted the store not long after and the manager said he would settle the account and take off an additional 40 % on what was owed as he could not take the furniture back. I believe at the time it was a little over {$300.00}. However, when pulling my credit report I noticed that this account was listed as me owing over {$900.00}. I am very distressed that the information below was included in my credit profile due to its damaging effects on my good credit standing. I am asking that you please investigate this matter as soon as possible.To my knowledge this account had been paid off many years ago. 
Conditions of Furniture : -The furniture appeared to have been lived in. I found food, headbands, and other personal items in the inside. -Not in the condition guaranteed by the store -Furniture badly damaged when transported from showroom to apartment. 

I was extremely disappointed in the furniture I purchased and now this outstanding debt. I believe XXXX XXXX is selling pre-owned furniture. there is no way the pieces I bought were only in their showroom and this badly damaged.
Consumer complaint received 2018-09-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Regarding XXXX I initiated a complaint on XX/XX/XXXX stating that the " debt '' this company is reporting is usury in nature, to date the " investigation '' is not complete. Company give boiler plate responses stating " we verified the information is accurate ''. At no point do they address the usury amount that is in violation of NYS law. it has been over two months and my complaint is still open on " XXXX XXXX '' I've attached a screenshot proving this. Any representation stating otherwise is misrepresentation of the the facts I demand an answer as to why Transunion is reporting usury amounts in violation of NYS laws, these are the laws that prevent " pay day '' lenders from representing their debts on credit reporting sites. Please note that Transunion is the only reporting agency reflecting this ILLEGAL entry
Consumer complaint received 2018-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

On XX/XX/XXXX when I was making a payment over the phone for my mortgage, the servicing company ( Specialized Loan Servicing, LLC - SOS ) offer me a 3 month deferral payment because I was on the affected zip code area in XXXX. First they told me to just not pay for three months, that it sounded very odd to me, when I called again and again, they always gave me a different answer. Finally on the 12th call, they told me I needed an approval from the bankruptcy court authorizing the to grant me deferral program. My attorney went to court and got approval by the court and send it to them. I didn't pay for three months and on XX/XX/XXXX, made my first payment and so on, until this date. Now they are taking me to court and saying that am 3 months behind payments, because they never signed an agreement with me. After trying to find a solution and explain that I was affected by the Hurricane, they offered me a 6 month re-payment plan ( for the 3 unpaid months ) wish I agreed, but now they are not sending me the agreement of the repayment plan and are taking me to court. 
I do not think is a fare way to deal with a customer and I do not believe I have done anything wrong other that believe their word. 
What options do I have than to take them to court and I do not have the funds for an attorney.
Consumer complaint received 2018-08-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX XXXX has : 1 ) Reported 20 Hard Inquires on my credit that I never authorized.

2 ) I literally paid off my car with XXXX XXXX XXXX XXXX ; was never later, but XXXX is still reports it owing and late.

3 ) I NEVER had any account for XXXX XXXX but XXXX reports me owing them.

4 ) XXXX XXXX XXXX  sent me and CFPB an acknowledgment of error in reporting that I owe them anything. They admitted that I dont owe them. XXXX  consistently & fraudulently puts them on and off of my report as a charge off.
Consumer complaint received 2024-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (TX)

Radius global solutions sent me a piece of mail saying I owed {$230.00} in debt for a wells fargo account that I had closed in XXXX of XXXX. I am sure I verified with wells fargo that zeroed out my account after it was closed. I emailed XXXX to ask for proof that I owed this money and they never responded. I'm worried now that I somehow do need to pay this debt and that interest may be accruing because I haven't paid. 

Radius Reference Number : XXXX
Consumer complaint received 2018-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

To Whom Can Help Us : Problem : Chase Bank charged excessive fees over a period of XX/XX/XXXX-XX/XX/XXXX * Total Amount of Fees Charged During Period : {$9900.00}. 
Highest Fee Charged in One Month : {$660.00} Two Service Fee Charges in One Month : Many Source : XXXX XXXX XXXX Chase Bank Statements * NOTE : I was extremely ill for a long time when these charges were happening or I would have addressed them at that time. My illness led to my retirement from XXXX and I'm on XXXX XXXX. 

XX/XX/XXXX- As I finally slowly been getting better, I'm questing every significant value that makes no sense in my lifestyle. Given this, I sent a secure message to Chase Bank ( my bank ) expressing my concerns and I was going to get to the bottom of it starting with downloading my online bank statements from XX/XX/XXXX-XX/XX/XXXX. AND I found Chase Bank charged me excessive Cardmember Services Fees. These fees were charged to my personal checking account for my business account, XXXX, XXXX. 
XX/XX/XXXX- Chase said they would forward my message to Chase 's credit card team. I never heard from Chase credit card team until much later when I called them. 
XX/XX/XXXX-XX/XX/XXXX- Chase Bank stalled by demanding my husband or I present the 16-digit credit card number ( s ) for XXXX, XXXX credit card. We didn't have the cards anymore. Chase closed XXXX credit card in XX/XX/XXXX. We shredded our cards. All receipts from my XXXX files showed only the last 4-digits of the credit card number. 
XX/XX/XXXX Finally, I talked to Chase " HQ '' and within 15 minutes I had two 16-digit credit card numbers associated with XXXX business checking account, which Chase did NOT charge fees ; BUT charged excessive fees to my personal checking account. 
XX/XX/XXXX Using Chase secure messages, I provided Chase with XXXX 's 16-digit credit card numbers for my husband and for myself as given to us by Chase " HQ ''. 
XX/XX/XXXX Chase 's secure message response didn't mention the 16-digit credit card numbers, rather they made comments like : They couldn't pay statements older 6 years and they couldn't pay all charges owed, they couldn't ... 
XX/XX/XXXX This is the day my husband and I stopped communicating with Chase and sought guidance from professionals who know how we should proceed from here. 

Thank You. 
XXXX XXXX
Consumer complaint received 2018-08-15
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

Unauthorized hard inquiries from XXXX XXXX, OneMain, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX Interactive IN all occurring on XX/XX/2018. 

Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2018-03-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Per the attached Home Affordable Modification Agreement, I'm confused by it's wording. I want to pay off the balance early but when I calculate the amortization schedule it calculates out to a 37 year, 1 month payoff schedule. Per the chart in the attached file named " Existing Loan Information XXXX '' : The listed " Contractual Remaining Term '' of 37 Years, 1 Month. The listed Contractual Payoff Date is XX/XX/XXXX so only 17 Years 7 Months from date of XX/XX/XXXX and not 37 years, 1 month. 

In addition, page 2 of the HAMA shows years 1-21 and  total monthly Payments of XXXX from XX/XX/XXXX. I understand and accept there is a deferred principal balance balloon payment of {$21000.00}. I'm disregarding that balloon balance in my calculations but using my current balance of $ XXXX 4.00 % interest and a current P & I payment of {$1200.00} to calculate amortization schedules. 

I need a knowledgeable representative from my current servicer Bank Of America to contact me and explain the amortization to me. I would also like some options in paying it off early.
Consumer complaint received 2018-03-05
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. (VA)

I ordered a credit report ( see attached document ) from Equifax on XX/XX/XXXX XXXX # XXXX ) and after a month had not received a response regarding a dispute submitted on-line. The disputes were in regards to derogatory accounts by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. These XXXX accounts had been included in a bankruptcy which was successfully discharged in XX/XX/XXXX and these two XX/XX/XXXX accounts were scheduled to be deleted from all of my credit reports ( Equifax, XX/XX/XXXXXXXX XXXX by the end of XX/XX/XXXX having been discharged and over 7 years since closed. I called Equifax on XX/XX/XXXX regarding the status of my dispute. Although I never received an outcome of my dispute from Equifax, the Equifax customer assistant told me that XXXX account XXXX was deleted but that XXXX account XXXX was not. XXXX XXXX shows account XXXX as OPEN and PAST DUE derogatory. This is false as 1 ) the debt was paid in full and discharged, 2 ) the account was closed over 7 years ago, 3 ) is not past due. Equifax told me on XX/XX/XXXX that this account will stay on my report indefinitely and that it is not derogatory. I know that this is not true and filed another dispute - Equifax dispute # XXXX. 

If you see my past history of disputes, you can note that XXXX has done everything that it can to keep incorrect credit history on my credit reports. XXXX is now AGAIN attempting to unlawfully collect on this account Also attached are documents showing this and all XXXX  accounts 1 ) included in bankruptcy and 2 ) having been successfully discharged.
Consumer complaint received 2018-03-05
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

There are hard inquiries on my credit report that I did not make. I have bad credit already and I know that applying for things aren't in my best interest. I need these inquiries that I did not make to be removed off my credit report.
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

The TransUnion credit reporting agency incorrectly deleted my XXXX credit account in the year XX/XX/XXXX. I have been trying since XX/XX/XXXX to have the account re-opened. XXXX has sent three separate requests to TransUnion to report the account, but TransUnion has taken no action to re-open the account. 

The account was being reported on my wife 's TransUnion credit report as recently as the year XX/XX/XXXX ( TransUnion file number XXXX dated XX/XX/XXXX ), and so we submitted an online dispute on XX/XX/XXXX asking to have the account reported on my credit report. The TransUnion investigation results listed the account as " Deleted '' ( file number XXXX dated XX/XX/XXXX ), and we later discovered TransUnion had deleted the account from my wife 's credit report ( file number XXXX dated XX/XX/XXXX ). 

XXXX submitted their first request to the XXXX major credit bureaus to report the account in XX/XX/XXXX, and discovered both TransUnion and XXXX were not reporting the account. XXXX has always reported the account. XXXX sent a second request on XX/XX/XXXX to have the account reported by TransUnion and XXXX. XXXX is now reporting the account per their Report Confirmation number XXXX dated XX/XX/XXXX, but TransUnion is still not reporting the account ( TransUnion file number XXXX dated XX/XX/XXXX ). I contacted XXXX again on XX/XX/XXXX about this issue. Their investigation dated XX/XX/XXXX revealed the account ending in XXXX is being reported by both XXXX and XXXX, but not TransUnion. 

I sent another dispute letter to Transunion on XX/XX/XXXX asking them to re-open the account in question and provided the above details. They responded with a form letter dated XX/XX/XXXX indicating the information I am disputing " does not currently appear on [ my ] TransUnion credit report. '' The XXXX account is our second oldest credit account, having been opened on XX/XX/XXXX per my wife 's TransUnion file number XXXX dated XX/XX/XXXX. TransUnion 's continued refusal to fully investigate and report this account is causing my wife and I potential harm by not accurately reflecting our current credit history. I have made a good faith effort over several years to resolve this dispute, but am now asking you to intervene on our behalf. I believe TransUnion needs to speak directly to XXXX to understand which account should be reported. XXXX has tried to have the account reported through conventional means ( and succeeded with XXXX ) ; and our attempts to have the account reported only resulted in TransUnion deleting the account from my wife 's credit report. 

Thank you for your time and attention to this matter. If you need any additional information, please let me know.
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Several items are listed on my report that are inaccurate and have not been removed, after countless attempts in writing to have them removed and/or corrected. 

XXXX XXXX never late and accounts have been closed for years, there is no delinquent data current and Chex systems refuses to delete erroneous information. 

One XXXX XXXXXXXX XXXX- has my checking account listed as abuse which is incorrect and illegal. The accounts are under review and this distinction is posted in retaliation for my reporting the Director of Collections XXXX XXXX for misconduct.
Consumer complaint received 2018-03-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (FL)

I have been contacted by this debt collection company three times on XX/XX/2018. First call at XXXX, second call at XXXX, and third call at XXXX. The first caller refused to discuss the alleged debt with me until I verified my mailing address. I did not feel comfortable doing so without knowing what the call was about, and politely decline. 

The third call was with a woman who explained more about the alleged debt after confirming the last four of my social. I asked to communicate via mail only, and not to be called due to their current level of excessive calls. She stated they just sent me a mailer in a white unmarked envelope with details about the debt, which seems sketchy to me. She reiterated twice that I may mistake the mail communication as Junk Mail. 

When I requested a mailing address, she asked me why I need the information if a letter is already in the mail. I explained I want to send a cease and desist certified mail to have written documentation of my request, and she immediately started to speak fast. She claimed that she updated everything in the notes of my account, and I can call the number on my ID if I have questions and rushed off the phone. 

I dont think my request for the mailing address was unreasonable, and I have reason to believe that they intend to call me excessively. I also feel it is not legal to keep such information from the consumers with alleged debt.
Consumer complaint received 2018-03-05
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: CITIBANK, N.A. (MO)

on XX/XX/18 I called XXXX XXXXk, citi bank, and XXXX  XXXX. I have late payments and after being on the phone with them for about an hour each. we came to an agreement, that if I sign up for certain payment plans they would right then remove the late payments from my account as a one time forgiveness. XXXX said I will be put on a 3 month payment plan for XXXX each month and it will be current and reopened once completed. citi bank said they would close my account might be reopened but I would have to do an automatic XXXX dollar a month payment, and XXXX  XXXX I was able to bring up to current making them happy and promising the removal of the late payments. they would remove the late payments so when I checked in XX/XX/XXXX they would be gone. looks like XXXX completely closed my accounts which I will be ok if I can reopen them at a later date, but the bank did not remove the late payment status although I am making all payments. citi bank did close the account but I am still seeing those late payments. XXXX  XXXX did not close account but still has not removed the late payments. reason I am filing this is that it has damaged my credit score very much, and I was a young adult making mistakes being stupid for I was heart broken pretty much making those dumb mistakes everyone makes, and not understanding the seriousness of the situation. The main reason which I did bring to their attention was I was out of employment from XX/XX/XXXXto XX/XX/XXXX and during those times I was making payments and they have records of it I was just not making the minimum payment and I called them then before but they said nothing I could do, but gave me a different answer when I called in XX/XX/XXXX. as of right now I am 3 for 3 on my XXXX payments. before the unemployment I had been making every payment on time and making extra payments. I am now in the position where I can do that again but need the hard remarks removed for im buying a car, and an apartment soon.
Consumer complaint received 2018-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MI)

How is this company not being investigated yet????? I was on the phone with them 2 hours a day for three weeks and it's like taking 2 steps forward and 5 steps back! When calling today, the escrow analysis that was expedited on XX/XX/XXXX after talking to XXXX, XXXX, XXXX, XXXX and the finally the manager, XXXX and was told on a good note, XXXX XXXX, there's no sale date for your house yet. YES THERE IS! It'sXX/XX/XXXXat XXXX XXXX, hence why I can't wait till XX/XX/XXXX for an escrow analysis!!!! When I called today, XX/XX/XXXX, I also spoke with 5 representatives and was told this was never ordered onXX/XX/XXXX, but they'll put the request in for me now. Sure .... while my house is going up for sale on XX/XX/XXXX and this reinstatement quote is only good until XX/XX/XXXX!!! I called CFPB direct and didn't get much help either. I was told they have until XX/XX/XXXX to respond, however if they don't respond .... then what? Where's the accountability here?

Dated XX/XX/XXXX I was promised a reinstatement quote before the end of the business day today and after talking with 2 representatives and a supervisor and was told it was being expedited .... I still haven't received it. I sent you a registered letter last Monday requesting this information as well as an email on Wednesday requesting the same information. I haven't been able to reach anyone at your company in 4 months until my house was put into foreclosure. I do mortgages for a living and I have the funds to pay, but it's really convenient when you don't use the attorney you hired locally to do the reinstatement and I have to go through your office that I haven't been able to get in touch with for 4 months!!!!

What do I have to do to obtain this information from you and how is it your company is still in business? There's an open complaint with the CFPB ( XXXX ) and I will be fighting any attorney fees and cost that you requested from XXXX XXXX XXXX XXXX XXXX last Wednesday and request repayment of my attorney fees if I have to get him involved tomorrow. If my phone call was taken the 21 times I've tried calling to make payment with hold times no less than 1 hour 30 minutes, you wouldn't have had to hire an attorney. How many other people have you swindled their house from under them? I'm knowledgeable in this industry and can't believe what I've had to go through to get this information. XXXX  help those people that know nothing and just lose their house!!!