davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due  XX/XX/XXXX , 30 days  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , 60 days  XX/XX/XXXX , 90 days  XX/XX/XXXX , 120 days  XX/XX/XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-11-24
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/20XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-27
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. (NC)

For the following accounts, I have disputed online, by fax, and through mail and the errors still have no been fixed by all credit bureaus. Some things that one or two credit bureaus deletes, one or two will NOT delete and I don't understand HOW, as it is the EXACT same information. I have been disputing for years, but very heavily began disputing more starting in XXXX of XXXX. 

1. XXXX XXXX : The payment history is incorrect for both accounts negatively showing. I have disputed by mail many times. I have attached TWO pictures of XXXX  which I pay {$39.00} for monthly to monitor my credit. For some reason, Equifax continues to have my payment history reflect inaccurately. I have NEVER been late. XXXX  shows the correct info in that I paid as agreed, yet Equifax shows that I am at least 120 days past due for one account and 30 days past due for another XXXX account. Please correct this and update my payment history as CURRENT, NEVER MISSED A PAYMENT, {$0.00} balance. Thank you. 

2. XXXX : This account was purchased by another lender XXXX XXXX, also known as XXXX XXXX XXXX XXXX and was paid in full and requested to be deleted from my credit report THREE times, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They deleted the XXXX  tradeline, but not the XXXX tradeline which is reporting negatively on my credit when I have no negative history with them. They can not validate any information either. This is reporting on ALL 3 of my credit reports with Equifax, XXXX, and XXXX. PLEASE DELETE THIS TRADELINE, as it is unethical to reflect on my credit report. 

3. XXXX XXXX  ( Balance {$5400.00}, last updated XX/XX/XXXX ) : there was fraud committed in my name and by using my SSN. Equifax and XXXX  have DELETED the account from my credit report as of XX/XX/XXXX, but XXXX  has NOT followed suit and deleted this inaccurate information. There have been no debt validations sent to me showing my signature or anything. I have fraud alerts with every credit bureau, as I have dealt with identity theft since before I was XXXX years old. PLEASE DELETE THIS TRADELINE XXXX, as it is UNETHICAL to reflect on my credit report. 

4. XXXX XXXX XXXX XXXX : This account is in good standing showing paid as agreed by XXXX  and Equifax, but XXXX still reflects a charged off amount of {$3700.00} that I do not owe. It has been paid in full and should reflect that. Please update account to PAID IN FULL and PAYS AS AGREED and close and take out of charge off status. Thank you.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

I have some recent concerns about identity theft and have been trying for a couple of months to have Experian put a security freeze on my credit reporting. I have set up an online account with Experian and despite being authenticated for an online account have been unable to process a security freeze through Experian 's portal, which indicates that I can not be authenticated and must submit by mail. 

I submitted all of the requested information in writing to Experian to process a security freeze by mail on XX/XX/2020. This submission was almost 60 days ago and I have not heard back from Experian, whose automated phone system indicates a stated turnaround of 10 days. 

I have tried contacting Experian customer service, but all that is available is an automated number with dead end call trees and no live person. I was able to process a credit security freeze with all of the other credit reporting agencies within two weeks - most electronically. 

It is clear to me that Experian is not a company that cares about consumer protection. It clearly does not want to support freezes, pushing consumers to pay for its credit lock service instead.
Consumer complaint received 2017-06-14
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)

XXXX I bought a used XXXX XXXX XXXX from XXXX XXXX in XXXX MI -I made all payments on time via automatic bank withdrawal from my XXXX XXXX Account. XXXX I traded the XXXX in at XXXX XXXX XXXX XXXX XXXX MI XXXX I received a letter from XXXX XXXX XXXX thanking me for financing and affirming that my " contract obligation has been satisfied. '' XXXX I received a letter from XXXX XXXX XXXX saying I still owed them money. I called the XXXX on the bill and spoke with XXXX who threatened me with an even larger bill if I did not pay the one they sent me. I refused and called XXXX XXXX to make sure the loan had been paid off. They assured me it had and that XXXX 's records must be in error. -From that date forward, I kept getting letters as well as threatening phone calls. I have dates and names of those I spoke with. -It has been continuous even though I threatened them with legal action, but they have continued to harass me and now I find that they have also falsely registered this as a current delinquent amount on my credit report EVEN though they have marked it closed and paid. They have harassed me and turned me over to collectors who have harassed me with early morning calls, etc. -I have all necessary documentation to support this, and I want them to cease and I want to sue them for harassment and for damaging my pristine credit history. -This has been ridiculous!!
Consumer complaint received 2022-11-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

In XXXX I received a letter of collection from XXXX XXXX XXXX on behalf of Paypal for {$100.00} with no explanation of the charge, by the way. After telling both XXXX and Paypal via emails and telephone that I never had a Paypal account, XXXX stopped billing me, but Paypal continues to send me messages via email regarding the account I never had. They want me to 'login with my password '', which I can not do because I don't have an account, or " open an account with a password. '' I have contacted them 3 times to send me a confirmation letter that I do not nor did I ever have an account with them and that there is no no balance to be collected. However, they never did so. 
They continue to harass me. I want the harrassment to stop and the confirmation sent to me that there is no balance and there never was and still is not a Paypal account in my name
Consumer complaint received 2017-06-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Avid Acceptance, LLC (VA)

First of all, I owe more than what the vehicle is valued a difference of over {$12000.00}.   I was initially told that the fact I missed a payment in  XXXX  I was never caught up, which I have never been over 30 days late. I also did not miss a payment, I overpaid and the customer service representative stated that I did not have anything due till  XXXX . They also tend to make threatening phone calls, stating they will repo your vehicle even if you  are 1 or  2 days late and after they repo the vehicle they will also garnish your paycheck. They charge daily interest fees which was not included in the contract and they are also not willing to work with you on your payments, no matter what the situ ation may be. Unabl e to trade in the vehicle due to the value and loan amount still owed on the vehicle, which is literally the same amount of a new vehicle. With the extreme interest rates and finance charges and fees, one would never be able to pay off a vehicle with this company, you will literally be stuck. I do n't understand how this company is even in business or able to conduct business.   Please READ the contract before signing, especially if it 's AVID ACCEPTANCE!   They are worse than havin g a Student Loan!
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

To whom i t may concern : The following informatio n is my contacts : Attorney at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Missouri  XXXX   XXXX  --  XXXX  or  XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   ,  MO  XXXX   XXXX  In   2016   I filed Bankruptcy with my Attorney. I did NOT include my mortgage in the bankruptcy. When the bank was informed of the bankruptcy their attorney charged me {$750.00} to investigate the bankruptcy. They attached this charge to my loan. The bank has now informed the credit bureaus that my mortgage loan with them was included in the bankruptcy and that I have not made any payments on the loan.  <P/> I tried to contact the bank attorney and was told it would cost me to speak to him and that he had to right to as he did on my account. I talked to my attorneys secretary who said the bank has every right to report as they see fit. I did sign a re-affirmation that said I would continue with my payments on the loan.  <P/> I know the bankruptcy will stay on my Credit Report. However should I decide to sell my house I will never be able to rent anywhere because of the false reporting on my mortgage payments.  <P/> How can I get this fixed? Can you help me? Please see what you can do to help with this situation.  <P/> Regards
Consumer complaint received 2023-04-27
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. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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Consumer complaint received 2017-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NY)

I received an adverse action notice from Synchrony Bank, dated  XXXX / XXXX / 2017 , in which they concluded there is a BANKRUPTCY PROCEEDING, CREDIT COUNCELING OR CREDITOR SETTLEMENT on my credit report based on an inquiry to   XXXX   by Synchrony Bank on  XXXX / XXXX / 2017 , resulting in the denial of a Walmart credit card with Synchrony Bank. This has resulted in an unwarranted financial hardship. I was prepared to take full advantage of the offer Synchrony Bank was currently running.   XXXX  There is no bankruptcy in my credit record, I have not received any credit counselling and have not been involved in any creditor settlement in any period which would be reported in my credit file. TransUnion staff verified this in a phone conversation on  XXXX / XXXX / 2017 . I also my TransUnion credit report on  XXXX / XXXX / 2017  and verified this myself.
Consumer complaint received 2017-06-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M.A.R.S., Inc. (NV)

Account :  XXXX   XXXX  An agreement was made to delete their collections report from mine and my roommates account when the amount was paid. The amount owed was incorrect, I sent the lease to them, to get the amount corrected. They corrected the amount but then reported that we " settled for a lesser amount. '' It was not a lesser amount, it was the  CORRECT  amount. The balance was paid in full and they still remain on mine and my roommates credit reports.
Consumer complaint received 2020-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NV)

Between XX/XX/XXXX and XX/XX/XXXX, I opened several AAdvantage credit cards with Citibank. I put a total of {$37000.00} on these credit cards, and earned XXXX XXXX miles in exchange. On XX/XX/XXXX, XXXX XXXX shut down my account and forfeited XXXX miles earned through Citibank. XXXX  XXXX  specifically stated that my account was shut down due to the " ineligible '' miles earned through Citibank.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TEXAS, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my XXXX XXXX account, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 
I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 
Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-06-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (DC)

XX/XX/XXXX Negligent Mortgage Servicing Home Mortgage Account Number XXXX The above refinance loan from the XXXX XXXX XXXX closed in XX/XX/XXXX. In reviewing the closing documents in XX/XX/XXXX, I discovered that US Bank Home Mortgage, the loan service, had failed to record the transfer of the loan with the XXXX DC Recorder of Deeds, and had failed to send me the Deed of Trust and the Certificate of Title Insurance. I spoke with the Closing Agent, XXXX XXXX XXXX, concerning this matter, and he advised me to speak to US Bank Loan Officer XXXX XXXX. I informed XXXX XXXX that US Bank had failed to forward the Deed of Trust and other documents. He promised to forward the Deed of Trust but did not follow through. I subsequently reported this situation to US Bank Customer Service in XX/XX/XXXX. They responded to my complaint by sending me a copy of the Closing Document. Surely US Bank knows that a closing can not occur without the borrower having a copy of the Closing Document. I again wrote to US Bank on XX/XX/XXXX, indicating the above information. The response from the bank was a promise to look into the matter. A careful reading of the banks letter reveals its reticence concerning the Deed of Trust, the Certificate of Title Insurance, and the recording of the transfer of the loan with the DC  Recorder of Deeds. US Banks failure to complete these steps in the loan process violates my interests and contravenes the law. I should be grateful if you would kindly pursue this matter with US Bank.
Consumer complaint received 2017-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I was approved for a loan modification back in XXXX 2017. I was provided the trial modification agreement which required my signatures, in which I executed and used the prepaid return label provided by Ocwen to send the agreement back. I was told that they never received it so they sent me another package, in which I signed and mailed back also. I made the first trial payment in XXXX, and then again in XXXX, both times in which Ocwen accepted and processed my payments. Then on XXXX XXXX 2017, they informed me they still did not receive the signed agreement, again I was provided another return label from them and mailed the signed agreement back. Then I was informed that they canceled the trial modification because the agreement was never received, which can not be possible as I mailed it to them using their return label 3 different times. I am now being told that the modification is voided and I have to start over from square one and I now have an active foreclosure sale. Something is seriously wrong in this because I would not jeopardize the offer they provided and I made sure to comply with all their requests. I am uncertain why the labels they provided are not being directed to the correct department and now my 3 signed agreements are lost in action.
Consumer complaint received 2019-10-11
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc. (OH)

Repeatedly called to arrange payment when payment is not due nor past due. The most recent call was regarding when i would make payment for XXXX. Opened call by stating, " We recieved your payment on XX/XX/XXXX, and want to arrange payment for XXXX. My payment is due on the First of the month, every month. So because in this case it was due on Tuesday, and they received it Monday, they didnt count it for XXXX. If I mail payment date is on a weekend or holiday, they call the next business day to arrange payment. XX/XX/XXXX Sunday, and Monday was XXXX day, on XX/XX/XXXX they called to " arrange payment ''. I had to explain that because of the Holiday and weekend, the mail was probably running behind a day. Ive been cooperative, but the nonsense calls to remind me of payments that arent due is getting ridiculous.
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

There are numerous complaints logged concerning this matter and still it remains unresolved. Just what does it take? I have contacted the company my balance   XXXX    paid in Full  XXXX   XXXX  did not close the acct but was advised by the creditor " the account credit line remained open for purchases. '' I have filed the written  XXXX  character explanation. I have contacted the creditors and still this company can not post correctly. Last report I was informed it would take 60 days and the multiple complaints open for months. Mortgage paid  XXXX  Balance  XXXX    XXXX  ! 2 Months more unacceptable. This report number  XXXX   XXXX  Impacting me financially significantly showing debt that does not exist.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

In XXXX of this year, I received an alert about a hard inquiry made by XXXX Bank, being sure that I had not requested any service and I disputed it before Equifax and XXXX. Then in XXXX I received another alert from a hard inquiry from XXXX Bank and another from XXXX, being sure that I had not requested any service. I also did both disputes. At the beginning of XXXX I received calls from XXXX Bank and there I learned that the case of the month of XXXX corresponded to a XXXX Credit card requested in person at a store. Obviously it wasn't me because I've never set foot in a XXXX XXXX, I don't even know what it looks like inside. Later I found out that the other inquiry from XXXX Bank corresponded to XXXX & XXXX and although if I have ever bought in that store, it has always been cash and I have never applied for a card or credit. And finally, I investigated, and the one corresponding to XXXX was related to XXXX XXXX, a store where I bought and had a credit card many years ago but closed it because I didn't use it. I closed it over 5 years ago.