davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-20
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. (ID)

Experian and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX – partial account number XXXX.  (Please see page 4 of the attached credit report.)  I called the bank and let them know that I did not give permission to be added as an Authorized User. XXXX has removed this from my credit report however, Experian and XXXX have not.  I have contacted the bureaus to fix this issue however, I have not been successful.  This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-08-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commercial Recovery Systems (IN)

Person called 2 weeks ago from a place called CRS she said she would serve me at work or home on Friday, XX/XX/XXXX. When I asked what the service was for she said a debt. I asked what debt and She gave a call back number that went to a voicemail saying no one was available. I also asked for account number she did not have one. I looked it up and it was marked as a scam. Someone did call back saying I would be sued if I didnt pay today. I asked by whom they said by their client. They asked if I would pay by credit card over the phone I asked for account number so I could provide it to my bankruptcy attorney the person laughed and said oh your bankruptcy wont cover this. I asked again for business of debtor they refused and would not give amount due or account number but said I would be served at work on a Friday. I said ok. They tried to verify my email and gave me a different email than mine. No one arrived at my home or work to serve me. 

Today I received a voicemail XXXX XXXX - XXXX XXXX XXXX at XXXX XXXX   from number XXXX. Voicemail says this is XXXX XXXX with department of civil processing at XXXX XXXX XXXX calling for respondent. Our office has been retained to get a statement as part of a pre-litigation progress. Under Indiana state law you have 48 hours to respond with a formal statement XXXX Account number is XXXX either you or your attorney can respond by calling XXXX ext XXXX. Thank you. The background sounded very much like a telemarketing call center. 

If you call back it is the same voicemail and process as when the lady called threatening to serve me. They call back wanting a credit card payment over the phone. They do not identify debt and say you are being sued to avoid law suit you must pay today. When asking for account specifics for your attorney they revert back to a script demanding payment. Again they do not tell you the amount or account number.
Consumer complaint received 2019-08-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

I have been trying to open a checking account in CHASE BANK for my daughter, and failed. 
We are green card holders and my daughter has only a TIN and doesn't have a SSN. 
After almost two months of back and forth ( in which the bank said they have a technical issue ) - since the first week of XX/XX/XXXX - the bank says now that this is a policy decision and that they do not allow green card holders to open an account if they don't have a SSN.

I know that even foreigners can open an account in the US with a TIN, and I think it is discriminatory for the bank not to allow my daughter to have an account just because she has a green card and a TIN and no SSN yet. 
The bank would not even speak to me anymore about this at this point.
Consumer complaint received 2019-08-22
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)

the following companies are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-08-20
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. (TX)

inaccurate information still showing on on credit report. XXXX XXXX  open on XX/XX/XXXX fraudulent amount $XXXX - this does not belong to meXXXX XXXX XXXX open on  XX/XX/XXXX fraudulent amount $XXXX  - this does not belong to me.
Consumer complaint received 2019-08-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (TX)

In violation of the Fair Debt Collection Practices Act, Commonwealth Financial just reported two collection accounts ( {$1700.00} & {$950.00} ) on my credit report without first supplying me with a 30-day notice to dispute. If I had received the proper notification, I would have certainly contested the validity of the debts. However, I was never given that opportunity.
Consumer complaint received 2019-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

Signed up for the Amazon Credit Card as they heavily advertise it. Upon being approved for the card they allowed me to start using it before the card was physically mailed to my house. Unfortunately, you can not signup for auto-bill pay or register an account with the website until the card physically arrives at my doorstep. 

No problem, a few weeks later it arrives, I create a login on the website and immediately sign up for Automatic Bill Payment. This is done successfully and I quadruple check that my payments pay off the full balance ( not just minimum ) during each statement ( like I do with all my accounts ). 

Today, XX/XX/XXXX, I found out my payments were being declined. The Synchrony Banking websites are all broken, and all seem to take you to different portals so I called the 800 number. They confirmed that I signed up for auto-pay but they said " some '' payments ( especially the first ) will not always be automatically billed and need to be manually submitted. Thus, my first payment was never actually paid, and my account is now " delinquent '' and fees + interest accrued. 

It took a lot of time but I was able to pay the balance, get the fees + interest reversed and close the card, however, this is not enough. Their billing practices and customer support are highly suspicious, asking multiple times ( on the same phone call ) for sensitive PII even after I had given it through the automated system AND to the representative on the phone. Additionally, I have never heard of an account not allowing automatic-bill pay in such an inconsistent manner. This should be fixed and should be in massive letters when signing up for auto bill pay that it doesn't work as the customer might imagine.
Consumer complaint received 2019-08-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (VA)

Convergent Debt Collectors called about an XXXX XXXX   account that was more than 10 years old. I disputed the debt and told them to stop calling me. They called me about 10 more times from XX/XX/19 until XX/XX/19. I sent them a Do Not Contact notice via USPS and spoke with them on the phone.
Consumer complaint received 2019-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

The Mortgage is owned by BECU- Boeing Employee Credit Union . The loan processor is XXXX. 

For the past two years, I've had a nightmare every annual when it comes to insurance and escrow. I purchase my own insurance. My insurance company send in the policy and I also uploaded to their web portal XXXX, but it seems to fall through deaf ears and I am being bullied. 

Escrow : Account 1 : XXXX Account 2 : XXXX ( condo ) The mortgage processor raise my monthly payment without proper notice or allowing me a chance to pay the difference. They citing tax payment goes up. I have been asking for an opportunity to pay, but they bullied me and told me legal no, XXXX. While on XXXX, I have to go on a website and able to pay the difference, to keep my payment the same.

Insurance : The insurance department for this loan processor isn't reachable by phone. They told me, customer service, that I can't communicate directly with the insurance department, whereas, the insurance department sent mail to the wrong mailing address, resulting in they buying insurance for my condo, which I already have. I've been trying to submit and resubmit multiple times, but no confirmation of whether if they received. I'm beyond frustrated. It causes my monthly payment to go up.

Appraisal to get rid of PMI : The processing company charges {$800.00} for an appraisal that is higher than what market price is, typically $ 300-700. The third party company they hired to hire a local contractor, canceled multiple time, and came out to do an a appraisal, and unable to send in the report. When asked for the appraiser license number and information, the company fail to produce and shared they aren't obligated. I have no way of verifying the stranger that I am opening my doors to let in. 

I even reached out to the BECU customer services about my grievance. As an XXXX XXXX XXXX  veterans. My health has been definitely impacted by the level of stress from this company. I am have begged the bank for a mediator and they called once left a message, and I was unable to reach them. The bank simply shared they do not have any regulatory body over the processing company. Please help. It have taken me 3 months to be able to pull the focus and energy together to file this complaint.
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (MD)

I sent XXXX XXXX XXXX a letter XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX about so called debt that they never responded to debt was then discharged but XXXX XXXX continued to report it on my Credit Report. Per the IRS website a debt discharged from said company is supposed to be removed from report and consumer is supposed to receive a 1099C so it can be claimed on taxes as income. That never happened and XXXX XXXX never responded. Then debt was sold to Midland Credit Management. I was never informed by XXXX XXXX that debt was sold. After checking Credit Report I noticed that they had multiple negative reports they had added. I then send Midland a letter one XX/XX/XXXX, that they had no right to report any negative reports on my CR. And another letter XX/XX/XXXX trying to resolve this matter amicably. No response from Midland as of XX/XX/XXXX.
Consumer complaint received 2019-08-19
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. (GA)

The co-owner of an auto loan with XXXX XXXX XXXX XXXX XXXX filed Chapter XXXX bankruptcy which was granted XX/XX/XXXX. I, the party that did NOT file bankruptcy, continued making payments for several years with no default whatsoever before, during, or after the bankruptcy of the other party. No negative information transpired to my credit report throughout the life of the loan until I paid off the vehicle. I made my regular payment in XX/XX/XXXX, and on XX/XX/XXXX called and paid off the remaining balance. I then get a notification that my FICO score dropped from XXXX to XXXX which is how I found out that XXXX incorrectly charged the account off and report as XXXX being a serious delinquent payment. I have tried numerous times calling and they have advised that the account is protected under bankruptcy law and this is the way it is. They have dragged me down as if I was the one that filed bankruptcy and as if they never received payment for any of the months. They never sent me any statements or mail regarding the account. I could not see my transaction history online and had to call and request it. With that being said, they sent me one transaction history which was then revised after the dispute and I was sent a second "CORRECTED" transaction history of the loan.
Consumer complaint received 2019-08-19
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. (MS)

The following accounts that are listed on my credit report are fraudulent. I have tried to correct this issue multiple times with no success with the credit bureau. Collection account, XXXX XXXX XXXX, $XXXX, opened on XX/XX/2019.  Contact Information is XXXX XXXX XXXX XXXX MS  XXXX.
Consumer complaint received 2019-08-21
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: EQUIFAX, INC. (GA)

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX) XXXX;XXXX XXXX  (Original Creditor: XXXX XXXX) XXXX and XXXX XXXX XXXX;
Consumer complaint received 2019-08-20
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: BB&T CORPORATION (MD)

There is an Inquiry on my credit report that shouldn't be on my report from a company called Bb & T from XX/XX/2019!!! I want this inquiry removed as soon as possible. My named is XXXX XXXX XXXX. The persons name this inquiry belongs to name is XXXX XXXX XXXX!! Please removed this item at once from my XXXX credit report. Thank You
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IN)

I am trying to buy a house and my lender is unable to pull my credit from Equifax.I both have made numerous calls to Equifax since XX/XX/XXXX to clear up any issues. Equifax says that there is no block on my credit. My lender has reached out to his vendor as well yet the error still remains the same. I just got off the phone again today XX/XX/XXXX and the woman on the phone said there was nothing else she could do then gave me a number to customer service that could. I called the number and it was no longer in service.
Consumer complaint received 2019-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (GA)

I wrote a check in the amount of $XXXX to Florida Department of Transportation (FDOT). It cost $XXXX to send the check certified to ensure that they received it within the 10 day time limit required. FDOT later sent me a letter informing me that the check had been dishonored and imposed an additional $XXXX fee on top of the original amount, in addition to the $XXXX of certified postage that it costs to send another check to them.A citibank representative stated that the checking "feature" had not been activated on my checking account and that the feature would be activated after writing the first check. I asked if he understood that they were essentially forcing me to bounce a check in order to activate the checking feature.
Consumer complaint received 2019-08-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

I have a recurring auto debit on the XXXX of every month and for the month of XXXX  that payment did not occur.  I was informed that the auto debit would not occur for XXXX because my account did not have a payment due and there was a system issue that is trying to be resolved. I pay more than the amount due and have accrued enough excess to be months ahead of my payment so the system did not take my payment. I had to contact the lender to determine why the payment did not occur, when going into the web portal the message simply says to please wait a few days for it to be resolved.   I have since gone in and instructed a one time ACH to pull today to make the XXXX payment. If I would not manage my finances to a strict budget I would not have noticed the payment did not occur and my account would accrue unnecessary interest.  However, my account will accrue additional interest for the delay in the payment (only 6 days on one payment but this is bigger than just my account).  The error by their system will in turn cost me and every other individual that has a loan with the organization that is paid ahead additional money.
Consumer complaint received 2019-08-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LCO Financial Services, LLC (TX)

I called to ask the loan company if I could arrange an extended payment plan, or make a larger payment to reduce my biweekly payments, because they are pretty large.  They told me that neither option is avaliable.  If I did decide to reduce my loan with a principle payment, I would still have to pay the amount in the agreement for the remainder of the payoff.
Consumer complaint received 2019-08-21
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 (NJ)

I have an alert on my account from XXXX XXXX  from XX/XX/XXXX I received a phone call from them asking if i needed security i told them i wasnt Interested and the guy was very rude and insisted i hung up on him and next thing i know this was on my credit report
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: U.S. BANCORP (OH)

we have contacted us bank concerning this problem. but they keep ignoring my pleas aboute the debit transactions being levied agaisnt me and account we have told them it was not our fault for these " overdraft '' fees we get social security payments?? and can not afford these overdraft fees. thes add up quitk-ly this is the second time this has happened we want all fees returned too my accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ohio
Consumer complaint received 2019-08-19
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. (MS)

Thefollowingaccountsthatarelistedonmycreditreportarefraudulent.Ihavetriedtocorrectthisissuemultipletimeswithnosuccesswiththecreditbureau.XXXXXXXXXXXXXXXXXXXXXXXX,$XXXX,openedonXX/XX/XXXX.XXXXXXXX,$XXXX,openedonXX/XX/XXXX.XXXXXXXX,$XXXX,openedonXX/XX/XXXX.XXXX,$XXXX,openedonXX/XX/XXXX.XXXXXXXX$XXXX,openedonXX/XX/XXXXChapterXXXXBankruptcyDischarged,filingdateXX/XX/XXXX,referencenumberXXXX,U.S.BankruptcyCourt.Theabovereferencedaccountsareonmycreditfilewithoutmyknowledgeorconsent.Pleaseinvestigate.
Consumer complaint received 2019-08-20
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: EQUIFAX, INC. (FL)

I have incorrect information on my credit file as a result of identity theft:XXXX|HARD INQUIRIES|| XXXX XXXX  XX/XX/XXXX  XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX (XXXX) XXXX || XXXXXX/XX/XXXX  XX/XX/XXXX  XXXX XXXX XXXX    XXXX XXXX XXXX XXXX XXXX WA XXXX (XXXX) XXXX || XXXX  XX/XX/XXXX  XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX  (XXXX) XXXX ||COLLECTIONS||XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX    XX/XX/XXXX  $XXXX  -  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX (XXXX) XXXX|-----------------------------------------------------------------------------------------------------------------------EQUIFAX|HARD INQUIRIES||XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX - XXXX  XX/XX/XXXXXXXX   XX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX||COLLECTIONS:XXXX XXXX XXXX XXXX XXXX XXXX XXXX|-----------------------------------------------------------------------------------------------------------------------XXXX|INQUIRIES|XXXX XXXX XXXX  XX/XX/XXXX  XX/XX/XXXX  Bank Credit Cards  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX  XX/XX/XXXX  Bank Credit Cards  XXXX XXXX   XXXX XXXX XXXX, NV XXXX XXXX XXXX |XXXX XXXX XXXX  XX/XX/XXXX  XX/XX/XXXX  Bank Credit Cards  XXXX XXXX XXXX XXXX XXXX, DE XXXX   BYMAILONLY||COLLECTIONS:XXXX XXXX XXXX XXXX XXXX XXXX|
Consumer complaint received 2019-08-21
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. (HI)

Pleasereversethelatepaymentreportedoninthisparticularaccount:XXXXXXXXTheaccountwasneverpastdue,Inevermadealatepaymenttothiscompanyever,pleasechangethis.Ihaveagoodrelationshipwiththiscompany.