davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingUSA (NM)

I called XXXX XXXX to get help resolving a tax issue. XXXX XXXX said they would negotiate for me. they arranged a loan with Lending USA to pay for XXXX XXXX XXXX services. XXXX  XXXX   then told me that they could not negotiate for me, and so could not provide any service to me. 
Apparently, XXXX XXXX accepted payment from Lending USA for providing no services to me. I complained to Lending USA, informed them that I received no services, that Lending USA would have XXXX to pay if they attempted to collect from me, and if they affected my credit report. Lending USA then sold my phoney loan to XXXX XXXX XXXX, who is now attempting to collect over 6,000.00 from me. lending USA has put a negative item on my credit report. lending USA claims they are not involved anymore and will do nothing to remove the negative item. 
An important, vital refinance of my home is falling through because of lending USA 's negative item on my report. I have a 10 plus year career with the Federal Government, and negative credit report items may cause me to lose my job as well. Consequently, a lawsuit I will file if my name is not cleared could reach into a very high amount of actual damages due to the completely careless and immoral activity of XXXX XXXX and LendingUSA, who worked together to defraud me, and to rip off XXXX XXXX XXXX, and potentially cause irreparable economic damage to me and my family.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX has been sending me inaccurate credit scores and report through my email and their website XXXX XXXX XXXX XXXX. 
XXXX XXXX company has a business partnership with XXXX and Equifax Credit Reporting Agencies only and not with XXXX. 

On XXXX XXXX I received a XXXX alert verification and Notification from XXXX XXXX that my XXXX XXXX XXXX XXXX XXXX account # XXXX has been placed Current and Deliquency and 30-60-90 days late has been removed and deleted by XXXX on XXXX XXXX. 
XXXX XXXX implemented a recent XXXX XXXX XXXX  credit score of XXXX. 
But XXXX XXXX hasn't displayed the same information and credit score with Equifax. 

Also, XXXX XXXX is not displaying XXXX XXXX XXXX XXXX Trade Line of a merchandise credit of XX/XX/2015 till Present.I have been making timely payments since XX/XX/2015 till Present. 
I made contact directly with XXXX XXXX on XXXX XXXX on my account # XXXX this account is only displaying with XXXX and XXXX XXXX stated to me on XXXX XXXX around XXXX XXXX California time that XXXX XXXX sends verifications to XXXX, XXXX  and Equifax. 

I been having many issues with XXXX XXXX with their inaccuracy credit reporting alerts and not reporting accurate credit scores. 

I am XXXX XXXX, XXXX and a XXXX XXXX XXXX Military Veteran. 
Respectfully XXXX XXXX are supporting our Military Veterans and Citizens in the community of America. 
I am going through a VA Loan and purchase process in Florida and need accurate information what has been implemented on this complaint. 
Is Credit Karma violating my XXXX XXXX Civil Rights Act under Department of Justice? 
Very Urgent Matters!
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Security Credit Services, LLC (TX)

XXXX  has been non-compliant with removing the unverified account SECURITY CREDIT SERVICES Opened Date XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that SECURITY CREDIT SERVICES was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

My complaint is about my Home Depot Credit Card Account. I have had this account for approximately nine years. I have never been one minute late on my payments. I have made several large purchases and taken advantage of zero percent financing. My line of credit as of XX/XX/2019 was {$3000.00}, which I consider adequate. My payment due date is on the XXXX of each month. I make my payments online on the due date, always before Midnight. On XX/XX/2019, at approximately XXXX XXXX, I logged on to my account to make my payment. I noticed a discrepancy in my balance which turned out to be a late fee posted to my account on XX/XX/2019. Note that the date had not changed. I submitted my payment and then immediately called customer service to question the late fee. I was assured that my payment was indeed NOT late there was a problem with the website and the late fee would be removed. Approximately two weeks later, I received a letter stating that my credit line was reduced from {$3000.00} to XXXX due to a recent delinquency. The next day I received an account statement showing a past due amount and a late fee. 
When I complained to customer service my complaint fell on deaf ears. I went online, logged in and found that the late fee was removed but my credit line was not restored. I do not think I have been treated fairly because the alleged " delinquency '' was caused by their error and was not a result of my payment being late.I am curious as to how many other customers were affected and did not notice the error. I have two local attorneys researching this matter in order to prepare a class action lawsuit or an individual lawsuit for myself.
Consumer complaint received 2019-06-06
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)

I am so disappointed how Equifax and XXXX did their investigation. They keep on reporting the account as a repossession but they wont give me an explanation as to why they wont fix it.. This error has affected my credit score. CFPB please step up and fix the account asap XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-06
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. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2019-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

Each day, at approximately XXXX EST, I receive a call from Convergent Outsourcing. Convergent is a debt collector. My phone number is XXXX. I tell them each time I am not the person they are looking for and they continue to call. On XX/XX/XXXX, they called for a XXXX XXXX and then again for a XXXX XXXX. I can not convince them that I am not under any late debt obligations. I only owe a mortgage and am in good standing having never missed a payment. How do I get them to stop calling me for people who had that phone number or have misrepresented themselves to have that phone number? Convergent calls EVERY DAY. I have told them to stop calling that number and according to their representatives, I am on a recorded line. That must be a joke too.
Consumer complaint received 2019-06-06
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. (OR)

I am so disappointed how XXXX and Experian 's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (FL)

Mariner finance is not honoring the terms of the contract set in place for the purchase of a reverse osmosis system for our home. The cost of the system was {$3500.00}, mariner finance charged us 16.9 % interest rateAnd now is asking for the full XXXX term interest at the 12 month pay off. I feel they are manipulating the contract to line their pockets further as I have paid them in full within a 12 month.
Consumer complaint received 2019-04-03
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. (AZ)

The following accounts and credit inquiries listed on my XXXX XXXX and Experian credit report is fraudulent, unauthorized, not mine and dont belong to me : The XXXX XXXX XXXX, XX/XX/XXXX, {$360.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX.
Consumer complaint received 2019-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (AZ)

So on XX/XX/19 PayPal emailed me stating that my account had been permanently limited, when I called to investigate the reason behind the limitation all they told me was I violated the user agreeement. When I attempted to ask what part I was informed I would have to subponea them to court to get further information. On XX/XX/19 at XXXX XXXX 4 days after PayPal said my account was CLOSED they still accepted the direct deposit from my tax return in the amount of XXXX . I called paypal immediately at XXXX XXXX   on XX/XX/19 when I realized what had happened. The lady I spoke with said she was going to submit an escalation to the back office to have my tax refund released since it was a direct deposit from the IRS. I was told to wait 48 hours so I did, I call back on XX/XX/19 to check the status and was told it was still open but hadnt been processed, I was then told it normally takes 72 hours so I waited another day and called on XX/XX/19 and was told they need more time yet again. Its now XX/XX/19 and PayPal is telling me that its open still hasnt been review but most likely Ill have to wait 180 days due to the chance of a charge back which doesnt make sense because its a direct deposit. Not only is this inconvient but its also causing me to potentially lose my home, my education as well as my vehicle all things I have worked very hard for. I just want my tax money which is rightfully mine to be released.
Consumer complaint received 2019-03-05
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I have wrote several disputes to the credit reporting agencies about XXXX XXXX XXXX. Showing them each violation and its inaccuracies. I have asked them to Please perform an investigation and help me figure out why my credit report doesnt match my records. XXXX The XXXX XXXX is reporting different on each credit bureau XXXX shows {$1000.00}. XXXX shows {$0.00}. Equifax shows {$1000.00}. 

Each credit bureau shows a different date of last active. XXXXXXXX   Shows XX/XX/XXXX. XXXX shows XX/XX/XXXX. Equifax shows XX/XX/XXXX. This account was re-aged and is in violation and needs to be removed immediately. 

This account says Collection/Charged off. How can a collection have a charge off? and if it is charged off why does the payment history have late payments each month? this is a violation of the FCRA
Consumer complaint received 2019-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NJ)

There was a Collection from Midland Funding on my credit report. The collection was Paid in Full on XX/XX/19. I disputed the debt on my credit report. Midland Funding stated they received the debt paid in full on XX/XX/2019. However on XX/XX/19 Midland Funding reported the debt as still owed and not paid off. If this debt was disputed on my credit report Midland Funding should have reported this debt as paid after XX/XX/XXXX. Instead this debt remains on my credit and should have been reported to my credit for the investigation on XX/XX/XXXX as paid in full. My credit score continues to drop and shows as a Negative/Derogatory Remark when this is not accurate updated information.
Consumer complaint received 2019-04-03
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

My complaint is : I disputed a public record ( bankruptcy ) showing on my report dated XX/XX/2015 The results of the reinvestigation stated " This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. '' I don't see the accuracy in their investigation when I also disputed this company and the item in question was removed from this company due to inaccuracy of the item. I have documentation showing the Removal of this item. 

I also have a letter from XXXX stating that they sent a dispute on my behalf to all three bureaus about the public record with no response from either of them. 

Also I would like to make a complaint about the same item, bankruptcy dated XX/XX/2015 with XXXX. I received an investigation from them stating their investigation procedures but no results. 

I would just like to be treated fairly and have matters executed as such. The item is an inaccurate item and I would like to have it removed from any report pertaining to my person
Consumer complaint received 2019-03-05
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. (OH)

Equifax is reporting 2 Bankruptcies on my credit report. They are continuously stating they are verifying the reports through XXXX. I have a letter from XXXX stating they deleted the Bankruptcies from my consumer reports and are no longer showing any Bankruptcies. They also say they are not reporting any Bankruptcies to Equifax. I also have a letter from the Bankruptcy Court stating they are not reporting any Bankruptcies to Equifax as well. They also have not marked any of my reports as disputed per FCRA laws.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

In XX/XX/XXXX XXXX sold my mortgage to XXXX. XXXX reported the status as a transfer. I attempted to dispute this status in XX/XX/XXXX. XXXX received payment of the loan on my behalf, it was paid in full. The status as transfer to other office has negatively impacted my score from high 600 range down to high 500 range. XXXX did not disclose during the initial contract that they may sale my loan and it result in a negative impact to my credit score. XXXX is discriminating based on another entity paying the loan. IF I had directly paid the loan off, XXXX representative explains that the status would be reported as Paid. The loan was in fact paid off by XXXX to XXXX. At this point I have not been able to receive credit because I show as a high risk because other entities can not tell where XXXX transferred the loan to as the status states transferred to another office. The loan was not transferred to another office, but paid by another entity on my behalf. In XX/XX/XXXX I paid the loan off with XXXX, but still XXXX shows as transferred to another office, and my report continues to be impacted by the creditor XXXX not reporting accurate information. I have suffered great loss in providing for my family as I have been denied loans based on the misleading and inaccurate credit reporting by XXXX and their failure to inform me of these foreseeable challenges with their practice prior to obtaining my loan.
Consumer complaint received 2019-04-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I am having mortgage account with Wells Fargo since XX/XX/XXXX. 
I have been doing recast ( paying towards the principal to bring down the monthly payment while keeping the term same ). 
Wells Fargo recast process is very much made to fit their own benefits not customer 's benefits. XXXX has to make the payment well before the XXXX of the month. Then notarized form ( why not a docusign in this age? ) and then finally for next to next month it is effective. In all customer sometimes is losing almost XXXX days of interest on the principal payment as Wells Fargo has made the process to suit them. 
For e.g. I made the payment of $ XXXX on XX/XX/XXXX but i will get the recast benefits only on XXXX XX/XX/XXXX NOT XXXX XXXX, XXXX even when the payment and the notarized letter is sent well in advance of XXXX Apr XXXX date. 
Customer is losing a lot of money in interest due to this workflow efficiency which i don't know is legitimate or deliberately put on them? 

Wells Fargo safeguard themselves from the lawsuits by asking customers to sign the notarized form.
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I have applied a credit card through XXXX XXXX XXXX sometimes in XXXX. 
then I moved to another apartment and missed all the letter they sent me and I never use it even once until now, and then I found out that they reported a late payment of {$140.00} on XX/XX/2019. Then i contacted them to ask what is that fees about and they say it is from me not paying the annual fees so it is became late payment on my credit report and I paid it off so they could correct the report but they did not. so my credit score went down due to their incorrect report.
Consumer complaint received 2019-03-05
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: C & M Associates Group, Inc. (ME)

On or around XX/XX/XXXX I received a call from XXXX at C & M Associates claiming to be trying to collect a debt from a credit card from XXXX. I was threatened with a law suit, liens on my home and bank account. I got angry and he hung up on me. I felt bad so the next day I called this company back and spoke with a gentleman named XXXX XXXX I explained to him that I did not have the money to settle this debt, in the amount of XXXX, so I was offered a settlement amount of XXXX which I thought was something I could do given some time. XXXX asked me if I could pay XXXX and that would lock in the settlement amount, and that I would have until XX/XX/XXXX to pay the remaining balance of XXXX. I reluctantley gave him my checking account information, stating to him that I was not comfortable doing so, he promised me that no other monies would be taken out of my account without my ok. I was told that he would keep in touch to see where I was financially. I spoke with XXXX again on XX/XX/XXXX at which time I was thinking that I would have the money in the bank, but was not 100 % sure ... so he said he would call me the day before it was due, which would've been XX/XX/XXXX. On XX/XX/XXXX XXXX had contacted me, at which time I told him that I did not have the money in my account, he informed that by not settling this case I would be sued, I would have a lien on my home, on my bank account ... and I told him that unfortunately I would have to take that chance I had not realized that they money had already been deducted from my account ... he acted as though he had no idea. On XX/XX/XXXX a deposit had been made into my account, which I was using for my mortgage payment. Low and behold that on XX/XX/XXXX I went to the ATM to make a small withdrawal, it was rejected stating there were insufficient funds, I then looked at my account on my phone and saw that on XX/XX/XXXX a payment of XXXX was withdrawn and sent to C & M Associates. I was livid, this left my account with XXXX in it, which in turn my house payment bounced. I called XXXX at C & M Associates and he told me that is what my agreement was, that I was told that the payment was due on the XXXX, and that I postdated the checking information for that day. I told him that I did no such thing, I told XXXX on the XXXX that I would not have the money for XX/XX/XXXX. Therefore they took the money out of my account without permission, they stole my money ... .I have tried to email them, but it comes back stating access denied ... ..I am at wits end. I have contacted the District Atttorney 's office in XXXX County. I have also filed a complaint with the XXXX ... ..I will pursue charges if forced too.