davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I received an alert from my credit monitoring service informing me that I have two accounts in collections on my credit report from two different payday loan agencies,. XXXX XXXX and XXXX XXXX XXXX. I contacted each of them and they both stated that these accounts were opened in 2013. Until know, I have not heard from them via mail, phone nor email. I have not opened either of these accounts but I do recall closing a bank account after discovering fraud after a move and losing a checkbook. I have filed a police report in my city and reported this incident to my bank,, I don't like the fact that I have not heard from these agencies to dispute but it appears on my credit report at a critical time as I am attempting to buy a house and it seemingly came out of nowhere. My credit score has dropped almost 70 points due to this.
Consumer complaint received 2018-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (OH)

Last year around XX/XX/XXXX I disputed a credit collection for a {$2400.00} debt that did not belong to me. The credit companies ended up removing that account. Now one year later around XX/XX/XXXX - XX/XX/XXXX this new company reported it back on my credit which I disputed and made a complaint through the XXXX in which I asked the company for proof it belonged to me since my info was stolen back in XX/XX/XXXX and and so many people can get your SSN and date of birth now days. The company need up removing it from my credit but as once again reported it again! They have damaged my credit points by adding and removing it so many times now. It's crazy how easy it is to add to someone's credit report. Not to mention whoever used my info for this hospital this company has broken the HIPPA by send certain info to me. 
I have posted the lettersame from the company.
Consumer complaint received 2018-07-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (IL)

They call all day and all nights from different numbers. They never say what company they are calling from just the first name of that person and a code number. These calls come every 30 minutes 6 to 8  times a day. So many voicemails of the same thing over and over. They voice of the person is not clear of understanding of what they are askinh me to call a number and code number. I have had to block unknown numbers and they have been calling restricted calling.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Personal Information for Experian NAME : XXXX XXXX XXXX My name is XXXX XXXX. Please make sure you remove any name in your system which does not match the first and last names listed on this letter. 
CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I XXXX appreciate it if you could take care of any address that XXXX be listed incorrectly in your database. My actual address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. If you have anything in your system that is different from what I have just mentioned then delete them immediately.
Consumer complaint received 2020-09-27
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. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2018-07-28
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: Resurgent Capital Services L.P. (LA)

I found accounts on my report by XXXX XXXX XXXX I wrote all three bureaus and and XXXX   deleted one of the accounts I sent a letter to validate the ac oytns snd proof on who they were I never got back a answer now it's 60 days still nothing and they will bot delete these accounts from my credit They are on all three credit bureaus for collections This company is showing two accounts that they will not validate or show any proof od who or what they are
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MD)

Subject : Disputing Information in Credit Report XXXX I am writing about the inaccurate info Chase AUTO had provided to Credit Reporting bureau ( XXXX -attached ). 
I have set up AUTO monthly Payment of {$350.00} since XXXX until XX/XX/XXXX ( the maturity date ), debited timely end of month ( under MD law. ). 

Unbeknownst to me there was an outstanding balance of about {$59.00}. I was NOT notified until I received an alert from my ( XXXX  ) bank about a delinquent Chase acct on XX/XX/XXXX, which Id paid off. The DELINGUENT late payment caused my credit score to DECREASE by at least XXXX points ( attached ). 
XXXX ) Since then, I had spoken with many CHASE associates and supervisors to help clear up this erroneous reporting, none were helpful or showed any initiative except the standard responses ( XXXX XXXX XXXX, XXXX XXXX XXXX Executive office etc ). 
XXXX ) They also told me some letters were sent out which I didnt received, as I had selected PAPERLESS a long time ago. 
XXXX ) In fact, I was able to download a letter ( dated XX/XX/XXXX ) on XX/XX/XXXX ( ATTACHED ), which stated we would like to help you find a solution. 
XXXX ) I have contacted CREDIT BUREAS to help but they kept referring back to CHASE. So that was futile result. 
XXXX ) Please help me remove the erroneous CREDIT BUREAU reporting for the following reasons : A ) I was never late on payment since XXXX ( thats 7 yrs ) B ) Since I have selected PAPERLESS with Chase years ago, I never received any correspondence until AFTER the delinquent reporting. Id noticed in XXXX this year, my PAPERLESS feature was ( fraudulently ) not selected on CHASE website. Chase turned off that feature, Not me. 
C ) Based on the Chase website calculation, if there was an outstanding balance of {$59.00}, if that amount was later adjusted as additional fees/interest, AFTER my AUTO-PAYMENT set up. Currently, XXXX balance. Then it should not be considered a late payment. 
D ) It was explained to me that the {$59.00} was additional fees/interests ( after my maturity date ) when I made the XX/XX/XXXX payment. 
XXXX ) The very least, I should have received a courtesy call after being a loyal customer of 7yrs, even if Chase neglected to notify me electronically ( NO alerts from Chase XXXX I have always received a courtesy call ( except this ) in past years. 
XXXX ) I'm a military XXXX XXXX and I take my financial obligation seriously. Chase Reckless reporting ruined my credit score, by at least XXXX. 

Please review this serious matter as I have been a longtime loyal CHASE customer and right this injustice. 

thank you so much!
Consumer complaint received 2018-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against NATIONAL CREDIT ADJUST. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2020-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NC)

I've tried reaching out to Comenity Bank Victoria Secret Credit Card Services due to status not updated on my credit reports for XXXX, XXXX, and XXXX. This account is Closed and Paid in Full at a {$0.00} balance. I paid the full balance back in XX/XX/XXXX and have not used the card since then. I reached out to the company on XX/XX/XXXX to request the account to be closed, but the company never updated the Closed status. I've requested a number of Comenity Bank cards to close, and this card is one of the two out of nine credit cards I've requested to close that did not. Its the end of XXXX and the status is still not correct.
Consumer complaint received 2018-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (MO)

Our urgent care Co-payment was paid ( XX/XX/2018 ), overpaid ( XX/XX/2018 ) and still turned into collections. Received collection notice from midwest recovery ( XX/XX/2018 ). Contacted patient portal ( payment system ) for our urgent care and is being reviewed for correction. Contacted midwest recovery collection informing them of issue was told that the account would be noted. XX/XX/2018 midwest recovery reported negative account to my credit report without final notice.
Consumer complaint received 2018-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like these inquiries removed, customer service at Transunion would not remove these fraudulent inquiries off of my credit report for me. 


XX/XX/2018 XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX
Consumer complaint received 2018-07-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CITIBANK, N.A. (CA)

In the second week of XX/XX/2018 I applied for a personal loan from Citibank for {$12000.00}. 

I have had an account with Citibank for more than five years, and have had two loans with them, one paid off in full, the second with less than 1/3 of  the balance left on it. 

Perhaps the most foolish thing I did was listen to the advice of the XXXX personal banker at the bank. He gave terrible, misleading advice throughout, and it's obvious at this point that his chief priority was to get his share of whatever bonus is offered from him making new loans. 

The loan came back as approved for {$10000.00}, and he started celebrating the loan approval. But after a few seconds of celebrating, he realized that he had not pressed the right key, and the loan was assigned to an underwriter. He was surprised, and said it was a formality that occasionally took place to make underwriters useful in their work role, and that it would take a few more days, but then at that time the loan would be approved. 

A letter was mailed out to me telling me of my approval, saying that some additional documents were required within 15 days. The documents were tax returns from the last few years, all which confirmed income that far exceeds the nominal scope and amount of the loan. The pathetic personal banker failed to mention this information before I left the branch, and I told him I was going out of town for ten days. By the time I returned and sent in the tax forms that had been requested, the application had been put on the fast track for rejection, and it was obvious when I called in to check on its status, and a total pathetic XXXX answered the inquiry, that this XXXX bank had any intention of honoring the loan approval. 

In conclusion, Citibank is a pile of garbage that hires really XXXX people to work for it. I'm sure this has to do with other factors such as the particular demo and traits of who gets approved for loans, and it is something I will keep in mind as I wind down my dealings with this fast-failing institution for losers.
Consumer complaint received 2020-09-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION (AZ)

My Spouse lost his job due to COVID since hes in the XXXX  business. I have to pay everything on my own. He was also sick. Things really became a mess when 2 Billers deducted money from my BBVA Checking acct earlier than they were supposed to, putting my account in negative and then from there, it was a domino effect that caused many NSF/Returned Items fees. I have cancelled any Auto  EFT pmts I could, but there are some I can not, like with XXXX for example. I have been charged {$1000.00} or more in just fees alone from BBVA since XXXX. I contacted BBVA and asked them to please close my Checking account ASAP or at least freeze it so that no more Auto EFT payments will be deducted, which I can not control and asked if they can waive all the fees at least, due to the pandemic we are going through and so that they dont compound my already fragile financial state. And I of course will pay the amounts they authorized in my behalf in monthly installments. They said they couldnt do that but waived only {$76.00} in fees, which does not help much. Since then, I have been charged more fees from BBVA for deductions I was not aware of and had no control over. They are charging me {$38.00} each time, even for returned payments as low as {$3.00}! This is very unfair and deceptive. There are other Banks that are waiving any and all fees automatically. I need assistance ASAP, so I can move on with my life with less stress. This year has been very challenging for us all. Thank you. - XXXX XXXX
Consumer complaint received 2020-09-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (MO)

On or about XX/XX/XXXX, I became aware of an increase to my monthly billed amount due from MOHELA from approx $ XXXXmo to approx $ XXXXmo. I called and spoke w/ a representative to inquire as to 1 ) Why my payment increased and 2 ) if I was no longer allowed the deferment I initiated in XXXX under the CARES act. The representative said that payment was due, though I could apply for further deferment with interest to be capitalized. I informed the rep that when I initiated deferment in XXXX, I did so under the verbal instruction from a MOHELA representative that interest would not capitalize, but the loan would be extended an equal number of months as were deferred. The rep said that she could not account for a monthly payment increase of over {$100.00}, but would investigate & get back to me. 
Having not had a response, I called again on or about XXXX and asked to speak w/ a supervisor. I spoke w/ XXXX , who informed me that as this is an interest variable loan, it had recently recalculated for the first time since XXXX, and that interest going back to that year had been added on. She went on to say that this recalculation is automated and should be done annually, and for reasons unknown to her this had not been done in 13 years. I asked XXXX if federal lending guidelines allow a lender to back date interest calculations more than a decade and add them to the current balance causing a significant payment increase, she said that she did not know, but would consult her legal team and would do what she could to correct any errant increase to my balance. She further informed that she would email her contact info to me. No email was received by me from XXXX. 
On XX/XX/XXXX, I emailed MOHELA asking for the name and contact info for the supervisor Id spoken with, as she had not contacted me. I was given her first name & extension XXXX at XXXX XXXX XXXX. 
Shortly thereafter I contacted XXXX, who informed me that she could do nothing about my sudden balance increase of approx 30 % (? I have not seen the actual figures across my MOHELA loans, only the monthly increase ).
Consumer complaint received 2020-09-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

My mortgage company, Citizens One Home Loans, is erroneously trying to collect late fees and have refused to remove them from my account. I have emailed, faxed, and sent certified letters explaining the amounts but the last response from them states " they are not in error ''. 

In XX/XX/XXXX, I entered into a repayment plan with Citizens One for three month arrearage due to an unemployment situation. The repayment plan amount included late fees for the previous months. I understood no late fees were to accrue once you were on a repayment plan. I did not fail to make the payments as agreed and, in fact, repaid the arrearage early, which included the late fees. The Repayment Plan was XX/XX/XXXX through XX/XX/XXXX but was paid in full in XX/XX/XXXX. The latest letter states they charged a late fee of {$53.00} from XXXX through XXXX ( while I was in a repayment agreement ) which would be {$260.00} however they have a charge of {$530.00}. 

Further, Citizens One, has incorrectly reported my 'past due ' as 3 over '120 ' to my credit report which is also incorrect. Part of this is also due to mishandling the sale of my FHA loan while I was already in the process of requesting loss mitigation assistance with previous company. I was 2 months behind when my first mortgager sold my loan to Citizens One which caused delays in paperwork ( or extended the time to process ). 

I have clear documentation on this issue and do not understand why they fail to properly adjust my records. The latest letter from Citizens One states that " the fees charged to the loan were a result of payments satisfied AFTER the grace period '' which is the XXXX of each month. Documents showing my payment transactions are provided along with other evidence and NONE were made after the grace period. 

I was clearly told there would be NO late fees accrued after I entered into a Repayment Plan. Nevertheless, even if they do charge late fees it is still invalid because I have already paid it as shown in my attached letters to them. It seems to me they are throwing anything they can just to see if it sticks.
Consumer complaint received 2020-09-25
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. (VA)

I have been sending dispute letters asking for these egregious accounts from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Bank-XXXX  to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.
Consumer complaint received 2020-09-27
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: UNITED SERVICES AUTOMOBILE ASSOCIATION ()

to whom it may concern below are a list of accounts that are reporting fraudulently on my credit report 1 ) USAA SAVINGS BANK {$1200.00} XX/XX/XXXX XXXX ) XXXX XXXX XXXX {$570.00} XX/XX/XXXX
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The company 's response to my previous complaint merely restates their position and makes / takes no steps to seek to solve the issue. Purely as such it is a bad faith response which leaves no way to resolve the issue.
Consumer complaint received 2020-09-26
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: National Credit Adjusters, LLC (TX)

The company XXXX has flagged all 3 of my my credit reports as of XXXX XXXX stating that I just opened and defaulted on account with XXXX XXXX..It says I opened the account on XX/XX/XXXX. This is an old account approx. 7 years ago that was paid off and the total was a lot less. I have contacted the company. any times and was told they couldnt or wouldnt correct the dates. I have disputed this approximately 5 or 6  times and they keep updating my date the account was opened every mth. They will only say the dates are correct and they will not change the errors. This has caused me great financial strain during this pandemic and lack of money. I have been unable to get a loan or new credit card because it says the defaulted account is recent.. Please help me. They also have another account for {$640.00} with a date of XX/XX/XXXX as the date the account was opened as it was just opened and I think it is the same account as above already listed just a different amount and date opened but both incorrect dates are for current dates and wrong ... that they reported to all 3 credit bureaus the account date opened and flagged as it was just opened and defaulted.
Consumer complaint received 2018-07-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

Reference is made to my complaint XXXX about HSBC. 

On XX/XX/2018, HSBC issued a letter, in which XXXX XXXX XXXX, Vice President for Customer Relations, clearly admitted fault on the part of HSBC and asked me to " expect the credit to be posted to [ my ] account by XX/XX/2018. '' A copy of the letter is included for your review. 

Considering your mission to have been accomplished, you immediately closed the case, simply because the company responded to my complaint. 

The problem with your approach is that the letter from HSBC was yet another lie and, as of XX/XX/2018, the credit was not posted to my account.