davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

LoanCare misapplied my first mortgage payment to another loan and then credited it to the correct loan 3 months late. They took my second payment and put it into a suspense due to the first payment not being made ( was they misapplied it ). On the second payment an extra {$620.00} was made toward principle. Only {$190.00} of the {$1500.00} payment was ever credited toward my principle. Third payment was credited as a two payment ( one due and one in advance ) instead of applying {$1100.00} onto the principle as directed by the payment coupon. All payments were made on time with an attached payment coupon properly noted with the extra principle payment. See email letter. After 5 months of no resolution, I had to hire an attorney to write a letter in my behalf to the mortgage company and still not results. I am out {$4000.00} in attorney fees and it is still going higher.Review my XXXX 2017 billing statement and you can see all the errors in the details ; nobody can figure out what LoanCare is doing to my mortgage loan. They also attacked my credit file with a 30-59 day late that dropped my score from XXXX to XXXX. I have never been late on any of their payments and they sent me a letter stating they would not damage my credit report due to their errors ; however, reported me late anyway.
Consumer complaint received 2017-11-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Advance America, Cash Advance Centers, Inc. (CA)

Threatened to sue me for debt that was wrongfully forwarded to collections after financial institution have already paid for debt an passed the amount owed onto checking account resulting in overdraft. Have documents supporting this. When I tried to talk to them they kept trying to make me say Im refusing payment they threaten to make me pay more in court and wanted money today also stated they would not give me proof of debt or that it isnt in their right to give me proof they stated they managed many companies and had partnering companies. They also would not call me from an unblocked number for me to search for legitimacy. They refused to give me physical address as well.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-11-22
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. (GA)

Equifax reports twice that I owe a medical debt through XXXX XXXX XXXX for {$370.00}. I have asked for proof that I owe the debt but they refuse to update or remove it when I disputed it twice. I called the reporting agency and they could n't provide proof of a bill and still refuse to remove it. 

Equifax not only refuses to remove it they reported it twice on my report and ignored my dispute of the issue. 

The issue is they list twice on XXXX XXXX, 2016 a debt listed by XXXX XXXX XXXX. I asked for a bill and also to remove the double reporting of the issue. Equifax just ignored my dispute and continued reporting it without actually taking action on the dispute information I provided. They ignored me and did n't even act on the information I provided them.
Consumer complaint received 2017-11-22
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: I.Q. DATA INTERNATIONAL, INC. (GA)

To Whomever This May Concern : I have these 2 accounts on my credit report that are fraudulent. XXXX XXXX XXXX and IQ Data International. XXXX XXXX XXXX just reported to my credit report and are acting like they can not do anything. I need this resolved immediately. I have attached my police report. They are reporting to all 3 bureaus and they need to unreport.
Consumer complaint received 2017-11-22
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. (GA)

Experien refuses to look into the fact that the agency reporting the error can not produce a valid bill. Even when presented with this information they refuse to correct the issue and say after 45 days that the issue is resolved and I can not dispute it. 

The issue revolved aroudn XXXX XXXX XXXX XXXX report of a debt on my file. When asking for proof of such debt no such proof is given or shown. They also refuse to correct the issue.
Consumer complaint received 2017-11-22
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. (CO)

My Equifax credit report was recently downgraded by 152 points ( it was above the 800 ) with no apparent reason. Trying to communicate with Equifax to find out the reason has been a cross between a nightmare and a joke. I can not get anyone who speaks clear English and all they do is argue that they are speaking English ( at least I think that is what they said ). I want to make contact with a clear speaking person I can understand and find out why they have my credit rating so low. Their customer service stinks ... .they just argue and argue with me about what a good job they are doing.
Consumer complaint received 2017-08-28
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: EQUIFAX, INC. (GA)

I was shocked when I reviewed my credit report and found so many incorrect items that does not belong to me. 

Creditor : XXXX XXXX XXXX Acct # : XXXX I am so frustrated with this company. I have repeatedly asked XXXX to help me. I do not own this debt and have asked for verification of this debt which they have been unable to answer. I dispute the validity of this bogus debt and demand that you permanently remove this item from my credit report.
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY (NY)

I received a letter from XXXX XXXX XXXX ( servicer to TD Bank XXXX, NA XXXX dated XXXX XXXX, XXXX. It is styled like an official letter having to do with my account ( it was not styled as a promotional mailer ). It stated : " We noticed that you have n't used your XXXX Credit Card in a while so we wanted to ley you know that it 's our policy to close accounts that are inactive for a significant period of time. To prevent your account from being closed due to inactivity, you need to make a purchase with the card. '' The letter then went on to detail some current promotions. 

I believe that this letter was a deliberately misleading attempt to induce purchases on the credit card. I do not believe that there is a written " policy '' on activity. I could not find one on the website, it is not part of the credit card agreement and finally, when I called an agent, she was unable to provide me with or direct me to a written policy. Rather, when I asked the purpose of the letter, she explained that instead XXXXt wanted me to know that I should use my XXXX credit card to do my holiday shopping and to take advantage of promotions. 

I believe XXXX / TD Bank is trying to manipulate people in to using this credit card instead of using other forms of payment at XXXX. I come to this conclusion for a number of reasons : I am a card holder in good standing and with excellent credit, my credit card says " Good through XXXX '', I made a purchase within the last 9 months, no other credit cards send me mailings of this nature and I was unable to find a " policy '' of inactivity. But most of all, I believe it is a manipulation because it really worked! I started to think about how and when I could get to a XXXX to make a purchase so that the card would not be taken away from me. But then I started to think more objectively about the situation and decided to investigate. I believe others will be fooled and persuaded into putting purchases on a XXXX card when they would have preferred other methods of payment. 

In conclusion, I do not think XXXXTD Bank should write vague letters about unverifiable " policies '' that govern a credit card that are more likely attempts to mislead and manipulate people in to using their credit.
Consumer complaint received 2017-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (FL)

This collection account was in error by XXXX XXXX. I am a current customer that had services removed and during this transaction, our account was canceled. It was immediately opened under another account. Of course, the remaining balance that was on the canceled account did not transfer to the new account. This was an oversight on XXXX  responsibility and created a credit hardship for myself. This was corrected and any balances were paid prior to this collection agency pursuing any bogus collections. Now this information is on all three credit bureau reports as paid but collection. I have asked that this be removed with no avail. I am requesting that this collection company be notified of this matter and the what they have done can result in further actions, especially those of the legal matter. This is clearly an erroneous act by a company that needs to be put on public watch for illegal tactics and harassment.
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I signed up for a special 12 month no interest balance transfer program from Capital One. I transferred a balance of {$8000.00} from a XXXX credit card as of XXXX XXXX, 2017. I see that I was charged {$51.00} in interest which violated the promotion that I signed up for. I called Capital One and spoke to several representatives. They stated that they will credit {$51.00} as a one time credit and that my case is being investigated. One of the representatives stated that this was a glitch. This is unfair since it violates the agreement that I thought I had by signing up for this 12 month no interest balance transfer promotion from Capital One.
Consumer complaint received 2017-11-22
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. (NY)

The three credit bureaus are incorrectly reporting incorrect information regarding the status of my student loan. My student loan is CURRENT and in a DEFERRED status. Additionally, I have never been late nor have a past due amount as alleged by the credit bureaus. I have written the XXXX XXXX XXXX XXXX/XXXX and they have provided me with a complete payment history and current status of my student loan accounts. I have attached this as proof of my position.
Consumer complaint received 2017-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (OK)

I was denied a car loan on the basis of a credit score from XXXX XXXX. My XXXX score is in the XXXX 's. Not perfect, I am aware. However my XXXX score was XXXX. Their reasons were the age of my credit, and the balances, basically saying my credit was n't new enough. Considering I have n't heard of this credit reporting agency until after my loan was denied it seems highly unlikely that the problem is on my end. The 3 major bureaus I know of XXXX, XXXX and XXXX have my credit score somewhere in the mid to low XXXX 's. The whole purpose of me trying to get a car loan was to improve my credit score in order to qualify for an FHA loan. With this score way down in the XXXX 's it appears I 'll never have the opportunity to become a home owner.
Consumer complaint received 2017-11-22
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)

Equifax deleted XXXX AdJ which is a collection account on XXXX XXXX, XXXX but they reinserted the collection account back on my credit report on XXXX/XXXX/XXXX without giving me a 5 day notice of placing the collection back on my credit report. This is a violation of the FCRA and I would like the collection to be removed permanently!
Consumer complaint received 2021-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (KY)

made pursuant to 15 USC 1692g ( b ). I hereby request that your company provide me with evidence of this debt. I demand this company provide me everything that I ask in the Validation of debt Letter. I also would like this company to cease all forms of communication with me through any and all mediums.
Consumer complaint received 2017-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NV)

A few months ago, I called American Express regarding my XXXX XXXX credit card. I asked if there was any way they could process a goodwill removal of a delinquent payment reported for this account from XXXX. The customer service representative asked me what my reasoning was, and I explained that I had been in a long process of moving from XXXX to XXXX at the time and my mail kept getting lost. I also explained that if she looked at my other card with XXXX, she would see that I never paid late on it. She agreed and said that because I never received my statements, she simply had to order it again and the late payment report should fall off my credit report in about 8 days. It has been quite a while past 8 days and it is still showing on my credit report. I received the reprinted statement in the mail shortly after the call so I know that she truly did order the statement. 

Additionally, I received an offer from XXXX to open a Platinum card. I honestly believed it was another upgrade to my XXXX XXXX card ( also called " Platinum '' ) because both cards ended in XXXX at the time. That was so confusing, but I called customer service a few times to clarify and they were so helpful. Ultimately, I closed the account after being assured by the Platinum customer service representative that the account will not appear on my credit report since I never activated it and never paid the annual fee. Lo and behold, it is showing as a closed account on my credit report as of this date. 

So my request is basically to please clarify both of these situations. I am 100 % confident that if you listen to all of these calls, you would agree with me that I have the right to believe that my report was supposed to be cleared of a late payment and a never activated account. If they were wrong to tell me what they told me, then American Express needs to train their customer service department better to ensure that no miscommunication and false hope is given to any card member. This is by far my favorite credit card company, and I felt even more fond of the company after believing that they actually cared about my concerns regarding my credit report, but if I was wrong to think that they would live up to what they told me, then maybe I 'm also entirely wrong about the company. I 'm begging you, please help me! This has been so disheartening.
Consumer complaint received 2017-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Report Number : XXXX Online Credit Report from Experian for : XXXX XXXX Report date : XXXX XXXX, XXXX This address has pertained to a business : XXXX XXXX XXXX XXXX CA XXXX. 

GENERAL BUILDING XXXX : XXXX XXXX XXXX XXXX XXXX, CA, XXXX. 
False and if so, someone else has opened this business. 
Also all delinquent accounts pertaining to my credit is from hospitals or medical providers that did absolutely nothing to help me with my condition? Might be a civil matter do n't know if you can do anything about that.
Consumer complaint received 2017-11-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (IL)

The collections company XXXX XXXX XXXX has bought a false debt from my previous landlord. I absolutely have no ideal what this debt is about. XXXX XXXX was my previous landlord. They are responsible for sending the false debt to collections. They are trying to make me update or remodel there apartment. I never damaged anything in the apartment. Why should they be allowed to write an itemized list and send it to a collections company. This is ruining my credit. I feel helpless in this situation. Landlords should not be able to do this with out going to court. They should not be allowed to just sale it to a collections company. This matter should have been settled in court. I have no rights in this manner. I had a lawyer send NCC a letter for verification of the debt. He sent two letters before we received a response. The letter they sent for proof was just a written out piece of paper. I mean how is this proof? No picture of a messed up apartment, absolutely no verifiable evidence. I disputed the case with XXXX. They refused to take it off my report. XXXX said this was a verified debt.
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OK)

i had several, around 12, credit cards to different businesses which were serviced through synchrony. every card had a XXXX balance but two of them. never had a late payment or over the limit ever. i recently received credit increases on all these accounts then synchrony closed them ALL. Over {$30000.00} in credit availability and it destroyed my credit. i did nothing wrong and they closed everything i had with them. THERE WAS NEVER ONCE A LATE PAYMENT, OVER THE LIMIT, ANYTHING NEGATIVE ON MY END TO GIVE THEM A REASON TO CLOSE EVERY ACCT WITH THEM. THIS HAS MADE MY CREDIT SCORE GO FROM XXXX TO XXXX AND I DID NOTHING. I CA N'T SEE HOW IT IS LEGAL FOR THEM TO DO THIS!!!
Consumer complaint received 2017-11-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (FL)

XXXX XXXX never sent me anything stating i had a collection. They are reporting the same acct twice. I have had this acct taken off one already as I do not owe it. Hospital was given XXXX info as well as a letter stating i was XXXX and i was told everything was fine. Then three years later it shows up on credit. Had it taken off now 5 years later it is back on twice!!
Consumer complaint received 2017-11-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MN)

I received an email from a real estate agent yesterday indicating that my home is currently advertised with an active rescheduled mortgage foreclosure sheriffs sale date set for XXXX XXXX, 2018. I never received notice from Bayview Loan Servicing or XXXX XXXX XXXX XXXX XXXX about this rescheduled sheriffs sale. Also, although mortgage foreclosure prevention options have been requested numerous times by me and my attorney, Bayview has not communicated them. 
Resolution and mortgage foreclosure prevention action is urgently needed.
Consumer complaint received 2017-11-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I have had many unauthorized charges on my joint checkings and savings account over the past three months ( XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX 2017 ). Over these three months, I have changed my account three times and have received several temporary cards. However, in XX/XX/XXXX, when I called customer service because my card was not working they told me that the card information I was providing them with did not match the information on their system. I then had to physically go to the bank to speak to a representative and get reissued another card. The card I received at the bank did work. 

I then continued to see unauthorized charges which led to a constant overdrafting on my account. I have not been able to pay my bills on a regular basis because of the unauthorized transactions that have left me with insufficient funds. 

I closed my joint checking and savings account completely approximately around the first week of XX/XX/XXXX and then opened up a checkings account around that same time. However, I still saw unauthorized charges on the new account so I requested a new temporary card on XXXX XXXX, 2017. 

While Wells Fargo reversed the charges that were unauthorized, there was a delay in getting the funds reimbursed back into my account which affected my ability to pay my regular bills.