davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

My primary personal credit card 's balance ( a XXXX XXXX Visa ) is reported to the 3 credit bureaus based on the outstanding amount owed when the statement closes. This date is between the XXXX of each month and 95 % of the time is the XXXX of each month. 

However in the month of XX/XX/2020 a balance was apparently reported ( incorrectly ) mid statement, on the XXXX. XXXX XXXX XXXX executive office assured me that they did not report a balance on the XXXX. However all three credit bureaus showed that they did. 

I disputed this incorrect balance with all three bureaus and Experian reviewed and closed the matter as of today. While Experian is now correctly reporting my XX/XX/2020 statement balance, Experian did not correct the corresponding ( and erroneous ) deduction of points from my score based on the error. Were this a matter of a few points I wouldn't go to this trouble. 

However - Experian deducted 25 points from my credit score solely as a result of the erroneously displayed balance increase from under {$500.00} in XXXX to under {$1200.00} on XX/XX/XXXX. The correct balance for XXXX of under {$200.00} is now reflected by Experian and yet the issue of the massive damage to my credit score has not been resolved. 

I believe I am entitled to a fair resolution of this issue under the FCRA and am requesting CFRB intercede on my behalf. At this time I am only asking for the CFRB to take action as it pertains to Experian as the other two bureaus have yet to complete their response to my disputes.
Consumer complaint received 2017-10-20
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. (GA)

I received my credit report from Equifax and found that n my personal Information there is an inaccuracies with my last name and address. My last name was spelt wrongly as XXXX XXXX instead it should be XXXX XXXX is the correct spellings. it need to be updated or removed. And also I never had a post office box address so this XXXX XXXX XXXX, XXXX, GA XXXX should be removed from my credit report as soon as possible.
Consumer complaint received 2017-10-20
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. (IL)

XXXX and experiean continue to report Bankruptcies on my report in which proof were sent to them that they are not verified from the courts and they keep stating the information was verified without proof of how they supposedly are verifying information that in fact is not being verified from the XXXX Bankruptcy courts. So they are engaging into unfair practice of lying to there customers in which can and will lead to litigation. I have tried 3 times to resolve this and all 3 times they just say verified without validation or proof.
Consumer complaint received 2021-01-19
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$1100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$2400.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$1100.00} -This is not my account.
Consumer complaint received 2017-10-22
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc. (AZ)

I received several calls from Unifin during business hours while I was at my job, but never any voicemails. After receiving 5 calls on a XXXX afternoon from the same number, I called back and was greeted with " How may I direct your call? '' - I let them know that I had received several missed calls from this number and was calling back to see what it was in regards to. I was then directed to a gentleman by the name of XXXX XXXX who told me that I had just been put into collections for a hospital bill that  was over 5 years old. Long story short, ( over the course of a week ) I was told to call 4 different doctors offices and physicians groups to see where the unpaid debt had come from. I was under the impression that debt collectors had this information prior to contacting you, but because I was desperate to be taken out of collections, I called. After calling all 4 places, they all let me know that I was in good standing, and was never delinquent. I called XXXX back for 4 days where I was only able to leave messages. The following XXXX, I had called in again and had spoken to XXXX where he told me yet again to call another doctor to see where my debt had come from. I asked him why that number was n't provided to me originally? He put me on hold where another gentleman got on the line and let me know he was the manager. When I asked his name and the collections agency he and XXXX were with, there was silence on the other line. When I asked again, he very defensively let me know that he was just trying to help me settle my debt and that I was responsible to pay. I told him that I was happy to pay, but I needed to know this information. Again, silence on the other line. This went on for about 3 minutes before I began to get very nervous and started crying. Why are these people harassing me at work and then refusing to tell me who they are when I am trying to do right by my debts and pay them off? I hung up and called back into the main line, asked the man who picked up what the name of the company was. He told me Unifin and that was the only way I was able to find out who was calling me since the other Unifin employees refused to tell me any information. I ended up finding out that this information was false and I did not owe money for a medical debt. This is harassment and terrible business practice. Please beware and make sure to do your research if this company ever calls you!
Consumer complaint received 2017-10-22
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. (FL)

I had a XXXX XXXX card back in XXXX. I set up the account via their phone service after starting the card in store. When I went to pay a bill, the sum initially showed deducted from my checking account and then reappeared after a few weeks. It turned out, the XXXX XXXX  representative. Seeing as this was their error, they corrected the information and removed the late fee. 

Now, just over 2 years later, I am attempting to by a home and that error ( which XXXX XXXX  said was being removed ) is still on my credit record. I even closed that account over a year ago. 

I would like this error removed from my credit history, not just a late fee removed.
Consumer complaint received 2022-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (KY)

All of this information is available in my account. I applied for Public Service Forgiveness on XX/XX/ with my employer verification. I am showing 120 qualified payments which should qualify me for discharge. I received a denial letter on XX/XX/ even though I met all requirements. I called on XXXX the lady I talked to saiid it was an erroneous letter and I was being sent for final approval which could take up to a month. It has been a month. I have sent Mohela three messages beginning in XXXX and received one form email that addressed none of the issues. Mohela has no capacity to answer the phone or messages.
Consumer complaint received 2017-10-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (OH)

I have been looking for a mortgage to purchase a home. Quicken Loans is relentless and forceful in the way they try to contact and make you get a loan through them. I have received > XXXX calls in the past few weeks and have had to block all the numbers they call from, and also told them to take me off their list. When i did answer, they gave no time to explain what i wanted or that i had already selected a loan from another lender. They pushed to to a loan officer and they still did not give me any time to just say " no '', that i did n't want a mortgage. After talking to someone i had no intention to for over an hour, they said they would do anything to beat my current rate. They gave me XXXX of a percentage point less of a rate, but with XXXX mortgage/discount points. When they proposed the deal, they had only told me that it would be a lower closing costs and lower interest rate, they never told me the discount points used to get the deal. I told them to email me the offer and i would look it over. When i said this, the loan officer said he wanted me to close it that day, without looking over the deal. This method is forceful, dubious, and should be illegal. They are trying to force anyone with any decency into a loan that is not the best option for the borrower, just for themselves. After looking at the deals and talking to other advisers, I found that the deal they had offered which they claimed was " better '' was basically screwing me over to get the loan. 

Long story short : Quicken Loans is a forceful, deceitful, company not looking out for the customers best interest when making life changing decisions.
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (GA)

This is a follow up complaint to complaint number XXXX and XXXX. Amex is claiming that the account has a balance but that not true! 
As already expected and also read in reviews and on XXXX pages, Amex lied about the fact that those accounts werent paid of. In a letter to you and me on the above complaint numbers, Amex stated that my account ending in XXXX was not settled and had a balance. As indicated in the above complaints, that account was settled almost a year ago. Not only do I have a letter of satisfactory from their collection agency XXXX XXXX XXXX, here I have attached a copy of the checks sent to them and more important their confirmation that they got the money. So it would be interesting to see how Amex is going to explain that. Please refer to the above mentioned complaints. Reading through the internet, people are saying after showing this Amex will say they never got and they will check with their collection agency and will then comeback to apologize, so lets see.
Consumer complaint received 2020-11-22
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. (MN)

I have tried to remove old addresses, old name variations, and other information from my credit profile but the bureau doesnt remove the data. Per FCRA Section 623 ( a ) ( 1 ) ( C ) A Credit Bureau can not report information the consumer has told them is inaccurate. All old addresses and information needs to be removed from my credit profile due to being inaccurate.
Consumer complaint received 2020-12-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NJ LENDERS CORP (NJ)

I have contacted NJ Lenders to get a copy of the alleged payment ( Cancelled Check ) that they made to XXXX XXXX XXXXXX/XX/XXXX The NOTE NJ Lenders prepared claims that I received payment of {$130000.00} I did not receive this payment from NJ Lenders. I would like to see who was paid so the matter can be sorted out. I am not saying NJ Lenders is behind the mass sabotage and communications tampering that led me and many others to default on their mortgages. I am not saying that NJ Lenders is involved with covering up illegal transactions. What I am saying is that the contract NJ Lenders prepared titled " Note '' states that I have received a {$130000.00} loan from NJ Lenders and I have not received a penny from NJ Lenders. NJ Lenders has responded to my request by send back a " mortgage '' stamped cancelled or record without proof of being satisfied or the lien being released and no discharge of mortgage. 

All I need to get is a copy of the check that was used to pay-off the existing XX/XX/XXXXmortgage. You have sent me a copy of the XX/XX/XXXX cancelled mortgage. 

I am requesting of copy of the check used to pay-off the existing balance. I have attached an example of what I am looking for CHECK # XXXX proves that XXXX XXXX paid XX/XX/2003 mortgage in the amount of {$1400.00} On the reverse side of the check it shows the Fleet bank where the check was processed. The SINGLE POINT OF CONTACT AGENT ( SPOC ) XXXX was used also. Please take a look at the check front and back that gives you a visual example of what I need to see. Your payment will look similar but the names will change to show NJ Lenders payingXX/XX/XXXX along with the mortgage pay-off number.
Consumer complaint received 2017-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Allied Collection Services, Inc. (Nevada) (NV)

I contacted allied collections for a copy of the document the company claimed to send to the bureau to update my account .. the employees was rude and told me that because I wasnt the one who paid the debt in my name that I couldnt get anything stating I dont owe a balance .. I never heard of anything like this but seems to me I needed to address this issue with a higher superior.. why couldnt I receive my information from this company XXXX please pull phone Records XXXX pm Allied collections XXXX
Consumer complaint received 2020-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX XXXX XXXX coast to coast for extended periods of time. I am reliant on autopay for 3 other credit cards, utility bills, and 2 auto loan payments. The only problem I have ever experienced with autopay in 35+ years of consumerism is with my Verizon Visa Card by Synchrony Bank XXXX When I 1st received the card I activated it and set up autopay from my bank debit card like I do for all my financial accounts. After 2-3 months I became aware by logging into my account that my autopay wasn't working. I called Verizon Card and paid the balance. During this call I set up autopay directly through my checking account. Now 2-3 months after I find my autopay is still not active. I have talked to the call center and they tell me I never set up autopay. Then they stated autopay is subject to approval by Verizon Card. They are very condescending. They talk over the customer with corporate rhettoric. They scold the customer after backing them into a corner with their lack of business ethic. After insulting the call center worker they told me the late charge will not be waived. I don't have the time for this. My life revolves around my career so I'm able to pay bills. Not jumping through hoops for my Verizon Card and the entertainment of Synchrony Bank call center workers.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-12-24
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. (FL)

I have previously attempted to make contact with XXXX which shows on my credit report as a negative and delinquent account. This loan was paid off by XXXX XXXX after the vehicle was deemed totaled and unsalvageable. The remaining balance left was covered by the Gap insurance that was purchased for the vehicle. This account was paid off in full and shows a delinquent status on my credit report. The current status of the account is not correct and is unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable
Consumer complaint received 2017-10-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I 've been going around in circles with this XXXX mortgage company, Carrington Mortgage about a loan modification. We 've been denied once, just recently, with the excuse that I said I was unemployed on the application. The people with Carrington do n't have any answers as far as what the requirements are for the modification and I 'm just exhausted going around in circles with these XXXX. They keep deferring everything to their underwriters but this has caused my Mom and I so much XXXX  wondering what 's going on. We need someone to advise us of our rights and what the parameters are for getting the modification.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAVALRY INVESTMENTS, LLC (VA)

CALVARY SPV 1, LLC WAS PAID IN FULL THROUGH GARNISHMENT AND NEVER SENT LETTER OF SARISFACTION TO XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ALSO
Consumer complaint received 2017-10-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (AZ)

Purchased {$200.00} prepaid card on XX/XX/XXXX.
Card was denied when I tried to used for {$200.00} purchase.
Looked up card information at XXXX and found out that there was an unauthorized fraudulent charge in another state that depleted most of the balance. The card was always in my possession and had not been taken out of the packaging prior to my first attempt to use.
Called number on back of card and was told to fax card info, photo of front and back of card, name, phone number, address, email address and receipt.
Submitted fax on XX/XX/XXXX. Did not receive a response.
Resubmitted fax and copied the CFPB.
Received response from CFPB only.
Called number on back of card and was transferred to the Prepaid Debit Dispute Center on XX/XX/XXXX. Was told my claim was denied due to " too much time has passed '' Called CFPB and was told how to submit a CFPB claim online on XX/XX/XXXX.
Consumer complaint received 2020-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION (MO)

I send few weeks back bank statement it shows PFCU received/adjusted the payment for the disputed credit cards but PFCU never took any action about my request. PFCU sold the disputed accounts to XXXX  even after they got the payment. So PFCU should contact XXXX  and remove those accounts from my name.

Those disputed credit cards was used some one else without my knowledge and i was reported fraudulent activities to PFCU and submitted ID theft documents.
Consumer complaint received 2017-10-20
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. (TX)

I disputed XXXX ( XXXX XXXX ) in the amount of {$2600.00}. This debt was removed two months ago, due to inaccuracy and failed to properly prove this alledged debt that does not belong to me. The alleged debt is showing back on my report via XXXX XXXX after it was once already removed.
Consumer complaint received 2017-10-22
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. (NC)

I ask the credit reports to remove the nigtive items, they 'll response is no, after I paid them in full, I and the credit collection agreement is if I paid them in full they will removed them in XXXX  days. 
Out my credit files. 
XXXX XXXX credit card confirmation number XXXX was paid XX/XX/XXXX Amount {$450.00} I spoke to ms XXXX XXXX ext XXXX I filed in errors numerous times with all XXXX credit reports asking them why is steal showing this account in my credit reports there 's response is colctoin.
Consumer complaint received 2017-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Trade, Inc. (TX)

XXXX XXXX XXXX sent a letter to my home years ago ( I do not remember date ) to inform me I had unclaimed money at the Texas State Comptroller 's Office. It also said for a fee they would help me claim my unclaimed money. I immediately phoned the Texas Comptroller 's office to inquire about the letter I had received from this law firm unknown and unsolicited to or from me. I was informed that the Texas Comptroller would not have released any information regarding  any unclaimed property to anyone but me. I was told that if this law firm found out I had unclaimed property, they would have had have called and impersonated me with my social security number for verification. The representative processed the release of my unclaimed property directly to my home and told me they would not or could not by law have released it to this law firm anyway. The law firm evidently impersonated me again to find I had retrieved my unclaimed property on my own and billed me for services not provided or elicited. I began to get collection notices and the amount has multiplied over 700 percent from the original fee. I have disputed this with XXXX who refuses to remove it from my credit record. I did not know where else to turn, but to you for assistance.