davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-26
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)

Equifax ; XXXX  and XXXX  are incorrectly reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2020-06-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Consumer complaint received 2020-06-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

For the last 2 months, I have ran behind on my payment, but way within my grace period. Example bill due XXXX each month. I start getting unkind calls on the XXXX. Last month it was already in the mail, when they called. Prior to this, it was paid on time, before time. If I paid extra on principle, they never applied. Placed in holding
Consumer complaint received 2020-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

I am extremely dissatisfied with the way billing disputes of Barclays Bank ( XXXX ) handled my situation. On XX/XX/XXXX, I called and had an agent who tried to assist me with billing dispute in regards to goods that were not received. I let them know that I paid for multiple transitions but no product was provided. 5 day later I received 25 letters in mail stating that my cases got denied because of the merchants cancellation policy. I did not need to cancel anything, I was telling the agent that I did not receive custom product. I then ( on XXXX, XXXX ) faxed my supporting letter about the transaction and stating that I did not receive the product. I received 5 letters that 5 cases were resolved in my favor, latest being case # XXXX for {$9.00}. On XX/XX/XXXX received multiple letters dated XX/XX/XXXX for cases XXXX, XXXX, XXXX stating that bank is unable to pursue credit due to REASON UNABLE TO ASSIST. This is very disappointing and dissatisfactory. I do understand that we are in the pandemic and bank is short staffed, but there is has been a zero attempt to help me in this difficult time. The cases have not been properly investigated and no merchants have been contacted to address the situation or no response was received. I would like action to be taken and assist me with all the disputes that have been opened/closed.I feel am being discriminated against and no investigation being done in regards of the services that were not provided by the merchant. Up until today I received very little help from XXXX from Office of the president ( XXXX ext XXXX ) who closed the complaint case, stating that she saw some policy on the website, with no specifics.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

In XXXX of this year a friend and us booked a set of rooms on XXXX on the beach, we payed for all of it on our card. As Covid and the time progressed we tried calling and asking if the hotel would be open or not. This was a long trip and i didn't want to travel to a hotel and find we would have no place to stay. 

We asked XXXX several times and they could not get in touch with the hotel it's self. The Hotel page on XXXX says the hotel is closed still today. We were going to go several weeks ago but could not find out if anything was open. 

XXXX offered us a voucher for the same hotel and good for one year. We turn this down as one, i don't know if that place will be around in one year or even available. We didn't cancel, the hotel was and still is closed. Since we used our credit card with protections on it, we should get our money back. 

I did not receive goods that i had full intention of getting and paying for, yet i am holding and empty bag ... 

I filed a disput with XXXX, our credit card company and it got rejected. We have called, used online chat with XXXX. With the credit card company had to mail proof and submit everything via mail. Thus i paid postage to get this done. Then they rejected it without any correspondence or even asking any questions. It was very one sided. 

Total amount is {$1000.00} Card company is Capital One Visa card.
Consumer complaint received 2020-06-25
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: CORELOGIC INC (CA)

Upon conducting a personal credit reporting review, I noticed that a company named CRECO conducted hard credit inquiry on my behalf without permissible purpose, consent from the consumer, and presented a legitimate business needs for the credit check. 

This was conducted without unauthorized access which makes the consumer ( myself ) susceptible to identity theft and data breaches. This are negligent actions by the company without properly conducting consent approval and proper notification per the Fair Credit Reporting Act. 

No consumer notification was submitted and this negligent act resulted in the personal credit damage. 

CREDCO conducted unauthorized credit check for the following dates :XX/XX/XXXX, XX/XX/XXXX, and XXXX XX/XX/2020.
Consumer complaint received 2015-11-22
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (KY)

Aside from receiving calls from XXXX of Midland 's XXXX phone numbers frequently, they were dishonest about an agreement we reached. I was led to believe that by paying the alleged debt in full that their trade account would be removed from my credit reports. That 's the reason I paid the debt in full. After making payment, I called to confirm that the trade line would be removed from my credit reports. They stated they no such agreement was made, and that they do n't do that sort of thing. I could have paid 25-50 % of the debt balance as a settlement if they were n't going to remove it from my credit report. They conned me into thinking they would uphold their end of the bargain, but it was all lies. They also sent paperwork showing that I only paid {$590.00}, but the check I attached clearly shows a payment of {$730.00}.
Consumer complaint received 2016-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Source Receivables Management LLC (CA)

I had been a long time customer of XXXX wireless. In XXXX of XXXX I moved to XXXX and found there was not XXXX XXXX. I contacted XXXX and was let out of my contract due to lack of service. I was sent an envelope, mailed my phone back to them, and paid my final bill. Several months later, I was charged for the phone. I contacted XXXX and explained to them that I returned the phone. Several months after that I began being harassed by a collection agency ( I no longer have the name. ) In XXXX, I filed a complaint with the XXXX. I never received a response from XXXX but the collection dropped off of my credit report. However, it now appears that a new collection agency or agencies are attempting to collect this same false debt. These collection agencies are Source Receivables XXXX, through XXXX, and XXXX XXXX XXXX through XXXX XXXX of these collection agencies are located XXXX. However, one has a physical address while the other lists a PO BOX XXXX They have different phone numbers. These collection agencies claim that the account was opened in XXXX of XXXX and became late in XXXX of XXXX. However, the exact dates differ between XXXX These incorrect dates are a fraudulent attempt to draw out the period of time that a collection can appear on my credit. There are numerous illegal issues here and they appear to apply to several companies. First, I do not owe XXXX any money. XXXX is at fault for falsely claiming that I do but also for falsely extending my contract by dropping my XXXX XXXX XXXX discount and then changing the start date of my contract from the time I renewed the contract to the time I asked for them to reinstate the discount, a matter of several months. Source Receivables XXXX and XXXX XXXX XXXX are attempting to collect a debt that I do not owe and in doing so have tried to strong arm me by using unfair business practices.
Consumer complaint received 2020-06-24
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. (NC)

Back in XX/XX/2020 I sent a certified letter to Equifax, XXXX, and XXXX  regarding incorrect, accounts that they are reporting in my credit report. This also included over 15 addresses and multiple incorrect versions of my name, phone numbers, and employment information. 
I asked that the personal information gets deleted as they are outdated and no longer applicable to my current status and for fear of identity theft, asked that the information should be deleted, which they have not deleted per the most updated credit reports that I have received in XXXX. 
There were several accounts that reports as charged off and or in collections, and for each of the credit bureaus, the information across all three has not been reporting correctly, in the amount of the debt, date of last activity, and many other areas that is reporting incorrectly. I sent letters requesting that these information is disputed and requested that upon the outcome of their investigation that I receive updated credit reports, and method of investigation process none of this has been done. 
Responses from the bureaus are that the items are verified and remains, I sent follow up letters asking for the methods of verification, and received again that the accounts are verified and or updated. 
During said process I have sent certified letters to the collection company 's and have got back responses that they either do not have documents and are contacting the original creditor and or asking me to provide them with documentation to support my request for them to validate the debt. 
it is now XX/XX/2020 and I have not gotten any results from the credit bureaus and or collection companies. 
Please help me in getting closure and or results from these companies Equifax, XXXX, XXXX  ( XXXX XXXX XXXX-XXXX XXXX ), XXXX XXXX ) ( XXXX-XXXX XXXX XXXX ) ( XXXX XXXX-XXXX XXXX XXXX ) Thanking you in advance
Consumer complaint received 2019-10-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: V and H Portfolio (MI)

My complaint is with A company called VANCE AND HUFFMAN LLC ( XXXX XXXX XXXX ) presented on credit score since XX/XX/2018. Also I have disputed this account once for Fraud. The amount due is {$1500.00}
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (VA)

American Express closed my card and began calling my company over and over again as a result of that closing with their internal debt collections. I asked numerous times for that to stop and finally lodged a complaint. I continued to pay the payment minimum balance but did not set it up on an auto draw so they would assume it would not be paid and start all over. I paid my XXXX payment online minimum balance as reflected in their website and now I am getting calls from an attorney representing them. I believe that this was retaliation for the complaints against them breaking rules and constantly calling my employer even after receiving written and verbal requests not to do so. I am not able to get online to make my payment today and have no intention of settling this debt at a lower amount.
Consumer complaint received 2020-06-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

Back in XX/XX/XXXX my husband XXXX was laid off due to covid 19 and his company having to temporarily close. I applied and was approved for a forbearance plan with my mortgage company. Since that time I have been attempting to apply for mortgage assistance and having the missed payments added to the end on my loan. I have made over 20 phone calls to specialized loan servicing. At first I was told my application was complete and just waiting on a decision multiple times Then on XX/XX/XXXX XXXX I was told my application is to light and I need to resend. I was told it had to be scanned so I had to go out an buy a printer and scanner ( I spoke to XXXX at XXXX explained I live in NY and am under strict quarantine but he said that was the only way my application could be accepted ). So I did that and resent Then on XXXX at XXXX I spoke to XXXX who said everything was recieved and awaiting decision. Again on XX/XX/XXXX XXXX everything was accepted waiting on approval. Then on XXXX I was told they needed an original application that I must print and mail so I did that. On XX/XX/XXXX called at XXXX said application was received and now need pay stuns from XXXX since he is back at work. I sent pay stubs. XX/XX/XXXX XXXX said they need a months worth of pay stubs when XXXX was now back at work for a month told them I would send on XX/XX/XXXX which I did and its registered on website that 4 weeks worth of pay stubs have been received. Also on XX/XX/XXXX I was told I needed to provide disaster documentation and insurance company claims. I explained I was not part of a disaster and receved no insurance funds. I was told I had to write a letter starting such which I did and uploaded on XX/XX/XXXX. Now on XX/XX/XXXX I just called and spoke to XXXX at XXXX. Said I have to show proof I am not part of a disaster recovery and also additional pay stubs for one consecutative month. I explained they have all of this, She said she will submit application but will not be approved. I am so frustrated. This is becoming a full time job. My husband lost his job fir 3 months all I am asking for is to move the payment ffom XXXX to XXXX to end of loan and I will start making payments XX/XX/XXXX. What a terrible company to deal with absolutely no compassion and I am a XXXX XXXX XXXX. I work in a XXXX  with XXXX XXXX XXXX each day and have to come home and fight with Specialized Loan Servicing
Consumer complaint received 2020-06-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (SD)

XX/XX/2020, XXXX XXXX with LakeView Loan XXXX, who our mortgage is currently with along with " LoanCare '', offered a VA loan refinance. We quickly completed the process and a new payment was settled on with a closing set for XX/XX/2020. XXXX XXXX also advised in multiple recorded phone calls on XX/XX/2020 and XX/XX/2020 that we would not have to pay the XXXX Payment and it would be included in the closing that would occur in XX/XX/2020. On XX/XX/XXXX, XXXX XXXX advised that there was a lien with the county on the home unbeknownst to myself. I asked if the deal was dead. XXXX XXXX related that if the lien was immediately paid, proof would only have to be received by XX/XX/2020 and a XX/XX/2020 closing would still be fine. My wife and I dipped into savings and paid off the judgement, overnight a check that day. The lien was released and proof was received the first week of XXXX by Lakeview Loan XXXX. ( I have email proof of this ) I have an email from XXXX XXXX that says if proof of the lien being removed was received in XXXX, the XXXX closing would be fine. In fact XXXX XXXX stated this happens all the time on a phone call. Between XX/XX/2020, when they received proof the lien was cleared, to XX/XX/2020, I received several emails asking for random documentation over and over from 2 different underwriting companies, XXXX and XXXX XXXX XXXX. Sometimes they asked for the same documentation twice..proof of insurance..etc.. But I trusted the process was still fine for a XX/XX/2020 closing. XXXX XXXX said nothing to the contrary..AT ALL. On XX/XX/2020, XXXX XXXX emailed me and said oh by the way, your late on mortgage for XXXX, the VA refinancing is now denied for being late. I WAS FURIOUS. I did everything I was asked to do and XXXX XXXX said we did not have to make the XXXX payment. NOT only that, unbeknownst to me AGAIN, XXXX slyly changed the closing to XX/XX/2020. I had no idea this even occurred. XXXX XXXX then bold faced lied in an email that he never said not make the XXXX payment. This is a lie and the recorded phone calls prove it. His manager, XXXX XXXX then got involved at my request but did absolutely nothing. XXXX XXXX stood the company line and said sorry, cant do refinance now but maybe try again in 6 months after 6 on time payments. I am furious and if I had the money for a lawyer I would sue the pants off this department for lying to a customer and then not fixing the situation due to their vast incompetence. I have all emails and documentation to prove everything within my complaint.
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been writing and calling XXXX XXXX/ XXXX since XX/XX/XXXX to investigate late payments I noticed on my credit reports. I have always paid on-time and as agreed with no problems. So the late payments on my credit reports were new to me when I discovered them earlier this year. First I contacted the company directly numerous times via telephone and written requests as they implied. They were being very difficult about investigating this from their responses, so I contacted the credit bureaus ( XXXX, Transunion & XXXX ) to investigate the late payments for me. In return these companies never responded to my request. 

XXXX XXXX are reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CT)

XX/XX/XXXX I CALLED SYNCHRONY BANK DEBT COLLECTION PHONE # XXXX TO SET UP A SETTLEMENT AGREEMENT OVER THE PHONE. THEY GAVE ME A SETTLE AMOUNT OF {$810.00} ON MY XXXX XXXX ACCT THAT WAS SUPPOSE TO SPLIT AND PAID IN 2 INSTALLMENTS AND TAKEN FROM MY XXXX ACCT. ONCE THE 2 PAYMENTS WERE SUCCESSFULLY DRAWN ON THE TWO AGREED, I WOULD GET A LETTER IN THE MAIL THAT MY SETTLEMENT WAS FULFILLED FOR MY XXXX XXXX ACCT. 

XX/XX/2020, I GAVE THE SYNCHRONY REP. MY XXXX   CHECKING ACCT # AND ROUTING # TO SETUP THE 2 AUTOMATIC WITHDRAWS FOR THE FOLLOWING DATES THEY SET-UP. 

-FIRST SCHEDULED PAYMENT - XX/XX/2020 FOR {$400.00} ( SUCCESSFUL ) -SECOND PAYMENT - XX/XX/2020, NOTHING CAME OUT MY XXXX ACCT. I EVEN CALLED MY BANK AND THEY VERIFIED NOTHING WAS PULLED BY SYNCHRONY BANK. 

XX/XX/2020, I NOTICED THE MONEY STILL HAD NOT BEEN TAKEN FROM MY XXXX ACCT. I CALLED SYNCHRONY BANK DEBT COLLECTION PHONE # XXXX TO SEE WHAT HAPPENED & WHY THEY DIDN'T PULL THE SECOND PAYMENT FOR {$400.00} AS AGREED. THE SYNCHRONY REP SAID SHE DIDN'T SEE THE 2ND PAYMENT SCHEDULED ON HER END AND WOULD SUBMIT A COMPLAINT FOR ME. 
SHE SAID MY SETTLEMENT STILL LOOKED ACTIVE ( AS OF XX/XX/2020 ) AND ASKED DID I WANT TO MAKE THE SECOND PAYMENT THEN INSTEAD. SHE SAID MY ACH BANKING INFO WAS STILL ON FILE, SO SHE INITIATED THE PAYMENT OF {$400.00} TO COME OUT OF MY XXXX ACCT. THE WITHDRAW FROM THEM WAS POSTED ON XXXX ACCT ON XX/XX/2020. 

XX/XX/2020 I GOT AN EMAILED LETTER FROM SYNCHRONY DATED, XX/XX/XXXX SAYING THAT I DIDN'T SETTLE MY ACCT AS AGREED AND THEY WOULD REPORT MY ACCT AS BAD DEBT TO ALL THE CREDIT AGENCIES. 

XX/XX/2020 I CALLED SYNCHRONY BANK DEBT COLLECTION PHONE # XXXX XXXX AND THE LADY CLAIMED SHE COULDN'T DO ANYTHING AND GAVE ME THE # TO THEIR RECOVER TEAM AT PHONE # XXXX. THE RECOVERY TEAM REP SAID SHE UNDERSTOOD MY SITUATION AND APOLOGIZED FOR MISUNDERSTANDING BUT COULDN'T HONOR THE SETTLEMENT STILL. I TRIED TO EXPLAIN TO HER THEY DIDN'T HONOR IT BECAUSE THEY NEVER PULLED IT. I'M THE ONE THAT CALLED IN AFTER I NOTICED IT WAS PULLED ON XX/XX/XXXX AND MADE THEM TAKE IT ON XX/XX/XXXX. THE SYNCHRONY RECOVERY TEAM REP STILL SAID SHE AND HER MANAGER COULDN'T HONOR THE ORIGINAL SETTLEMENT AND TRIED TO OFFER ME A SECOND SETTLEMENT ON THE REMAINING ORIGINAL BALANCE. I SAID NO! BECAUSE THAT'S NOT FAIR. I PAID THE FULL SETTLEMENT AMOUNT AGREED ON, ITS NOT MY FAULT SYNCHRONY DIDN'T PULL THE SECOND ACH PAYMENT AS AGREED! 

XX/XX/XXXX, I ALSO CALLED MY MY BANK XXXX BANK & THEY TOO CONFIRMED SYNCHRONY SET UP AN ACH PAYMENT ON XX/XX/XXXX AND INITIATED THAT PAYMENT OF {$400.00}, BUT NEVER DID ATTEMPT TO TAKE THE SECOND PAYMENT OUT ON XX/XX/XXXX FOR {$400.00}. 

I AM HIGHLY UPSET AND FEEL THAT I WAS MISLEAD & NO ONE TRIED TO HELP ME! I DID MY DUE DILIGENCE in communicating and following up! I want my settlement honored and I also want them to delete any default, bad debt or negative information from my account FOR ALL THE DISTRESS!!!!!