davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IA)

On XXXX XXXX XXXX I made my mortgage payment to XXXX in the full amount for XXXX payment. While it was after the XXXX, I acknowledged the late fee, however my report is reflecting a 30 day late. Experian refuses to update my credit report accurately even after disputing the information and providing documentation to prove on time payment. They opened an investigation on XXXX XXXX, XXXX after I reviewed my payment history and found that the payment information was incorrect. On XXXX XXXX, XXXX I received an email from Experian indicating my dispute results were ready. 

After reviewing my updated credit report, I found that the information had not been updated and Experian added a personal statement from myself stating " Completed investigation of FCRA dispute - consumer disagrees which was not approved by me. 

What is most troubling is that I submitted PROOF of on time payment and still the credit agency declined to update my credit report on top of adding a statement that is FALSE. I contacted my loan servicer on XXXX/XXXX/XXXX and they confirmed over the phone that they have been reporting on time payment for XXXX XXXX. They indicated that Experian did n't confirm the late payment information but only made a general request confirming that the reported information was correct which my servicer indicates they were reporting accurately the whole time. Experian should not be able to close an investigation with incorrect reporting when documentation is provided that proves otherwise. 

Experian has closed their investigation with incorrect information. XXXX, my servicer indicates they are n't reporting a late payment. I have submitted a credit report to my loan servicer, but need further assistance in getting this resolved as the credit reporting agency has closed my dispute and I ca n't dispute the same payment over again.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX 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 XXXX 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 2017-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WI)

I have contacted Experian multiple times over the phone on a dispute to remove two address that are not mine over the month. Originally I was told I could not remove them due to the fact that there were tradelines attached to the addresses. I therefore took down the information and sent the following letters telling them to correct the address certified. I have called the last two day to let them know I have contacted them and that the addresses are not removed yet and it has been 30 days. Correct this and remove both addresses as I have taken the steps that were asked of me.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I disputed an account that shows closed by credit grantor to correct it as closed by consumer and I sent documents proving it however The credit bureau still showing closed by grantor.
Consumer complaint received 2017-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE (TX)

I was recenty approved for the XXXX XXXX Platinum card at a XXXX credit limit. I called in to customer service on XXXX/XXXX/XXXX and spoke with 2 supervisors in the customer care deprtment. The first supervisor advised me to call XXXX directly because they are the ones that push the update to her end. XXXX stated they are only a payment processor which makes sense as all my previous XXXX XXXX upgrades with other banks had discretion. The next supervisor said the option had to appear under offers on the account. So I know typically all thats required of a XXXX XXXX is a XXXX  credit limit, I am well above it and would just like to go ahead and upgrade my card to the XXXX XXXX XXXX  since all requirements have been met and I know for a FACT barclays is sending out the signature version, because someone I know just received their card today.
Consumer complaint received 2017-11-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIGY USA CORP. (OK)

Hello! 

An employee of XXXX, XXXX XXXX XXXX, XXXX fraudulently charging my debit card for his insurance plus he tried to spend XXXX at XXXX online when my bank called and shut down my card because of abnormal activity on XXXX XXXX, XXXX. An employee of XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, called me from a different number ( his cell phone ) at XXXX pm to tell me my card number was invalid. I then explained to him that yes it is because I had some fraudulent charges on it. He seemed sympathetic etc and I told him that I would be getting a new card and would call him with that information. I called his office the next day, because I thought it was odd that he was calling me at XXXX and asked to speak to a supervisor. The man that answered the phone said he no longer works there. XXXX called me the next day while I was on a lunch break to ask if I had received a new card. I said Im a little confused because originally you told me that XXXX, XXXX XXXX XXXX does not accept debit cards and if you dont accept them why would you need it? He said because it would be a backup in case I didnt pay. I then informed him that I called the office and they said he no longer worked there. He denied it and asked who said that? I told him I didnt catch his name. I told him to call me back around XXXX and I would get the card and give him the number. He never called and Im assuming he knew that I knew it was him that did the fraudulent charges. I called XXXX, XXXX XXXX XXXX because I never got a call back, and asked to speak to a supervisor. The lady said she could help so I told her the story. She said you need more than a supervisor and placed me on hold. I spoke with XXXX XXXX, XXXX XXXX and told him my story again. He said XXXX no longer works there and that the XXXX had done this to another lady and she was filing a police report and that they, XXXX, XXXX XXXX XXXX, were filing something also. He asked me to fax him a copy of the police report when I got it. 

XXXX, XXXX XXXX XXXX XXXX. took me to court over an old credit card debt. The credit limit was XXXX or XXXX} and now is XXXX that XXXX XXXX XXXX XXXX bought from Main Street Acquisition Corp. I asked if they would drop the interest off and I was told that he would fight it and so I agreed to pay XXXX a month. I would think that XXXX, XXXX XXXX XXXX would have some type of responsibility for their employees. I have written an email to XXXX XXXX on XXXX XXXX, XXXX and as of today XXXX XXXX, XXXX I never received a response to that email. I did receive a letter dated XXXX XXXX, XXXX saying they have n't received my payment. I do not think that I should owe anything on this debt after an employee of their company wrongfully used my debit card. That person would have never had my debit card number if he was not a collector on an account of XXXX, XXXX XXXX XXXX. They have some liability for this/his action.
Consumer complaint received 2017-11-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On on XXXX XXXX I have called my self XXXX XXXX XXXX  in XXXX California of a debt I have with XXXX and we have made a deal that i will pay the first amount of XXXX than every month to pay XXXX in which I have done just that phone electronic to my bank as follow : XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX ( for the month of XXXX ) I finish to pay as agree according to the deal on paper XXXX XXXX send to me. As I finished to pay. Now I received another bill that I own more money as well every seconds their harassment phone call from my job and my cellular phone.
Consumer complaint received 2017-11-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (TN)

I have gone to this company ( Easy Money ) in XXXX, Tn. XXXX about my account. I took this loan out on XXXX XXXX, XXXX, I have been making monthly payments of {$170.00} or more each month. The amount of money that I received was {$900.00}. I have asked the manager at this store about why is balancing going up each month. I have paid on this account $ XXXXWhen I got this loan, it was told to me that the loan would be for 1 year. I received a statement that my balance is still {$910.00}. I did not make a payment on this loan in XXXX, XXXX because I had paid on it for a year. I went to the store and talked to the manager in XXXX, XXXX about this. she told me that I would have to talk to the Corporate Office, I asked for the phone # for the Corporate Office but she said that she could not give it to me. I went back to the office on XXXX XXXX, XXXX and I complaint to one of the associates, she then gave me the corporate Office #. I called the office but I could not get any resolution in talking to one of the customer service rep.
Consumer complaint received 2017-11-08
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: Southwest Recovery Services, Inc. (TX)

I have contacted XXXX and Southwest Recovery Services at least 10 times over last 3 months. There are 2 collection accounts on my report that are clearly not mine. The Collection company does not even have my social security number or name in their system. They said it was a file merge that 's how the account showed up on my file. They have contacted XXXX over and over to verify this is not my account and XXXX refuses to remove this account in a timely manner.
Consumer complaint received 2017-11-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

On XXXX/XXXX/XXXX I entered into a loan modification with my mortgage company ; Ocwen Loan Servicing LLC. ( Please see attached loan modification agreement from Ocwen Loan Servicing LLC ). Since entering in this loan modification agreement I have been paying my mortgage on time every month to the present date. My current interest rate is very high compared to today 's interest rates. Prior to entering into a loan modification with Ocwen Loan Servicing I my mortgage at that time was an FHA 30 Year Fixed Mortgage ( Please see attached Mortgage Note ). I believe in XXXX my mortgage was sold to XXXX XXXX XXXX ( Please see attached mortgage escrow statement for customer service tel number and other important information ). In XXXX XXXX I was contacted by XXXX XXXX a loan Officer with XXXX XXXX and XXXX XXXX, in regards to refinancing my current mortgage which would reduce my current interest rate of XXXX XXXX to XXXX XXXX thus saving me thousands of dollars in interest. Durring My refinance my loan officer XXXX XXXX informed me that my current FHA mortgage was switched Illegally to a Conventional Mortgage by either Ocwen Loan Servicing or XXXX XXXX XXXX. I contacted Ocwen loan servicing and XXXX XXXX XXXX several times to find out who Illegally switched my mortgage from an FHA mortgage to a Conventional mortgage, and neither Ocwen loan servicing or XXXX XXXX XXXX will give me any answers. They continue to tell me that they will look into the matter and get back to me a couple days later. It has been months now, and I have still yet to receive an answer from either mortgage company. These mortgage companies are stopping me from refinancing my FHA mortgage so I can save money and that is ILLEGAL! If this matter is not resolved as soon as possible my next action is to seek legal council and take the appropriate legal action to settle this matter..
Consumer complaint received 2017-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Total Card, Inc. (FL)

I have n't received a response to emails to confirm if payments were suspended. When I received an email from the bank the payment was to be withdrawn from, I called and questioned what the email was for. I honestly thought the payment would be paid. The payment is from a savings account. The payment was returned. I communicated that if I had received notification in writing that I would n't be going through this. I was told that payments were suspended. It reminds me of when I was on the phone with a representative at XXXX and the female employee said something like I told you verbally. 

I emailed on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX.
Consumer complaint received 2017-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I am very frustrated with all 3 reporting companies. I pay good money every month to monitor my reports and what I find is that the information and credit score I get is not what a creditor gets when I apply for credit. Why since I pay my taxes and you are in business to stop this bad reporting am I still seeing this. It is your job to make sure there companies report to me the same thing they show potential creditors. Fair reporting should mean I see what they see but that is not happening at all. I know this to be true because I look at my report then apply for credit and with in a day I get a response from the creditor telling me my report does not say what they showed me it said. FAIR and CORRECT reporting should happen ALL THE TIME.
Consumer complaint received 2021-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (CA)

Charge on XX/XX/2021 ( {$330.00} ) Notified Target Credit card dept. about the unauthorized charges made. 
I did not make those charges. 
Target credit card gave preliminary credit And after sent me a letter in the mail XX/XX/XXXX that the charges are valid.
Consumer complaint received 2018-12-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (AR)

I made two payments that were never credited to my account. The first payment for {$3000.00} cleared my bank on XX/XX/2018. Amerihome never credited my account but instead returned {$3000.00} to my bank account on XX/XX/2018 [ note I made two payments in XXXX when I learned they returned the funds. ] The second payment I made was {$3000.00} pay-by-phone with an Amerihome representative on XX/XX/2018 confirmation # XXXX cleared my bank account XX/XX/2018 online trace number XXXX XXXX XXXX XXXX XXXX. Amerihome never credited my account for this payment. I've called Amerihome numerous times and talked with many of their representatives to resolve this. I've sent pages of documents to prove the payments and I've conferenced several representatives from my bank with Amerihome representatives to verify these transactions. All of my efforts to date are unsuccessful. Amerihome has reported me late to the credit bureaus for months ruining my credit. It is important they recognize their mistakes and reverse the credit reports.
Consumer complaint received 2021-10-16
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. (CA)

Last year I discovered a false account with XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

I submitted a dispute Through XXXX and they never got back to me. I submitted a complaint through Wells Fargo and they gave me a credit and they took it away.On XXXX I purchased tickets to celebrate my birthday for this concert and the concert was canceled with a day notice and Rescheduled to a further date in XX/XX/2022. Unfortunately I wont be in town during those dates so I wont be able to make it to the rescheduled concert. I Really hope you can help me fix this inconvenience.
Consumer complaint received 2021-10-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (GA)

XXXX : Called company to request balance and itemized list of charges from Rent Recovery Solutions. Spoke with XXXX XXXX. Ms. XXXX said that my file was on hold and that the company could not take any payment from me. 

XX/XX/XXXX : request information regarding proof of rent collection debt owed and itemized charges. Reply from XXXX XXXX with an attached document that appeared to be a rent ledger. The Client Name was XXXX XXXX. Emailed Ms. XXXX and explained the discrepancy. Ms. XXXX called me and explained that the collections company would request the correct file from the original creditor. No further communication from company nor Ms. XXXX. 

Several calls to the company. Left voicemails. No replies. Made between XX/XX/XXXX and XX/XX/XXXX. 

XX/XX/XXXX Called company and asked to speak with Ms. XXXX. I was told she no longer worked for the company. Representative checked my account number. She reviewed the file and said my file was on hold. I explained that this has been going on since XXXX. She transferred me to a voicemail. The voicemail said, You've reached XXXX XXXX ... '' I called back to ask for an email. I was told the company does not communicate via email. I explained that I had an email from the company. The representative did not respond.
Consumer complaint received 2022-01-11
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 contacted the XXXX XXXX XXXX, Now with agree to repay re fresh my account to current but they reporting late payment. all this situations was relay to covid 19 situation and lock down losing temporatly my job. Also to be afected directly with the with the XXXX. I contacted then to arrenge a payment plan to continue and bring my account current. 
after been XXXX  aconsecuence of natural desastre XXXX XXXX illness and complications for me be a high risk patient. which I was at not income since XX/XX/XXXX Still today XX/XX/XXXX again. still making my payments I am dealing with Covid 19 effect and after speak to then they refused to help and still continuel reporting late to all to the bureau as delinquent.
Consumer complaint received 2021-10-15
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: SYNCHRONY FINANCIAL (TN)

On XX/XX/XXXX I recieved a phone call from XXXX XXXX XXXX  XXXX  a law firm that represent GE MONEY BANK for JCPENNY about a credit card I had in XXXX. GE MONEY BANK FOR JC PENNEY. The rep with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ext XXXX ( my file number XXXX ) advised XXXX is owed and XXXX XXXX XXXX XXXX  was hired to collect or sue the amount the plan to collect is {$3800.00} due to a tolling agreement attached to the card I advised her the card was stolen with Jcpenney I reported this in XXXX to Jcpenney. I asked her if I owed this debt how come it has not appeared on my credit report on it was not sent to me by mail. The rep advised it was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX. I advised the rep that address is not the correct address for me nor was it for me at the ( I did not live an apartment I owned a house ) I sold this home in XXXX. Each time I moved I updated my address the USPS and the credit bureaus have a list of all my known addresses. This company called several of my relatives for instance my nephew XXXX XXXX they called him and told him they were filing a civil Lawsuit on the same day they called me. Like my nephew and told them they were looking for me to sue me. This has been embarassing and unprofessional I have NEVER experienced anything like this. Also, when I asked can they see where I reported the card stolen. She said they can do an internal investigation but if it comes back that they could find not any evidence I called I will be sued for trying to commit fraud to be relieved of debt. This is outrageous. Lastly, if they could not speak with my representative about my debt then why did they speak with my daughter and my nephew about it when they called. This is a stall tatic by this company to sue me for this debt which is why it took 30 days for them to respond to the cfpb with that.