davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I called XXXX, and showed them on their online portal that my loan was paid in full for the Month they claimed I was 30 days late, I 've been paying this loan off faster then the amortization schedule is set for this loan. So needless to say it would be impossible for me to be late. On XXXX internal system is says they received a payment for the month in question, however, they did not do anything to correct this on my credit score. I then set up an investigation with the credit reporting agency, the conclusion of the investigation resulted in an " update '' however they did not update anything. I was not late on this account and this late payment is heavily impacting my credit and the ability to get refinancing for my student loans which are crushing me financially. My monthly payment is XXXX dollars I 've been making payments of over XXXX dollars a month.
Consumer complaint received 2017-10-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I called XXXX, and showed them on their online portal that my loan was paid in full for the Month they claimed I was 30 days late, I 've been paying this loan off faster then the amortization schedule is set for this loan. So needless to say it would be impossible for me to be late. On XXXX internal system is says they received a payment for the month in question, however, they did not do anything to correct this on my credit score. I then set up an investigation with the credit reporting agency, the conclusion of the investigation resulted in an " update '' however they did not update anything. I was not late on this account and this late payment is heavily impacting my credit and the ability to get refinancing for my student loans which are crushing me financially. My monthly payment is XXXX dollars I 've been making payments of over XXXX dollars a month.
Consumer complaint received 2017-10-25
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Turning Point Solutions LLC (AZ)

So I received a call on my work phone from number ( XXXX ) XXXX - XXXX at XXXX XXXX  on XX/XX/2017 claiming to be XXXX XXXX explaining that I had a {$1500.00} debt from XXXX. In the past when they called my girlfriends phone I have asked to send me something in the mail that would verify the debt is valid. I have NEVER received anything in the mail. On the XX/XX/XXXX they called me at WORK on my WORK phone, I asked how they obtained the number and they stated it was from a backlog? I am pretty sure they obtained the number illegally and ignored my request to send valid documentation in the mail.
Consumer complaint received 2017-07-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I checked my credit report in XX/2016 when I saw a collection from XXXX XXXX XXXX ( XXXX XXXX XXXX ). I immediately disputed the reported information as invalid since I initially thought it was related to a missed payment. However, after further investigation I learned that the account in dispute was for an unknown address. Further, I filed police reports with the XXXX XXXX XXXX Police Department for accounts opened with XXXX XXXX and XXXX XXXX. The investigation took over 6 months and was dismissed the XXXX XXXX XXXX ( aka ) XXXX XXXX as Valid since, I did not have a POLICE REPORT attached to the complaint, rather a complaint number ( which I was given ). I received a letter from XXXX XXXX stating that the Identity Theft complaint was closed because I submitted the complaint number. BOTH fraudulent accounts were billed to address I do n't live at nor, have I ever lived there and the suspect was named however, the Police failed to arrest the individual stating that they denied the theft. I too XXXX statutorily too long to resolve the complaint and they have not provided any evidence of how they verified the authenticity of the accounts as required by law. Subsequently, I want the item removed from My CREDIT report
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America reports multiple account numbers for the same account, some say XXXX balance & XXXX owed but account is over 120 days past due, another reports the balance has been charged off. Multiple calls to company. After I call to dispute, BOA sends account to a different collection agency, and we begin the process over. It 's been since XXXX 2015 account is paid and closed at consumers request
Consumer complaint received 2017-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NC)

XXXX XXXX XXXX formerly XXXX XXXX sent my account to collections because their customer service was unable to determine how to have me send them back their rented modem. This has been resolved, and XXXX XXXX now has their equipment back at their XXXX, NC location. This collections balance remains on my account however, and their customer service is unable to remove it instead directing me to some customer service phone line that may or may not be to XXXX.
Consumer complaint received 2017-07-23
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: U.S. BANCORP (VA)

In XX/XX/XXXX of last year, XXXX XXXX changed credit card issuers. They changed to a company by the name of Elan Financial Services. When this change occurred I was instructed to sign up with Elan and also include my monthly auto pay feature which automatically pays my bill at the end of each month. I went online and followed the instructions. A month and half later I received a late notice that I had not paid my bill. At the same time, I received a credit report showing that my credit score had dropped from XXXX to XXXX and it was because of this supposed late payment. I called the credit card company and explained that I signed up for automatic pay, but that there website must have caused the error because I had no doubt that I signed up for auto pay. They agreed to reverse the interest and penalty charges, but they also reported to the credit agency. I called Fidelity and they said there was nothing they could do. To continue this saga, I went to XXXX in XX/XX/XXXX for 4 days. While there I tried to log onto my Fidelity account. A noticed showed on the screen that by govt regulation, I could not access my Fidelity account while in XXXX. After I returned to the XXXX, I found out that all of my accounts were frozen by Fidelity. And of course my credit card bills could not be paid on time because all of my funds were frozen. I called Fidelity and they immediately unlocked my account, but once again this hurt my credit rating and caused a lot of problems. I do n't know if freezing my account was an action taken independently by Fidelity or was mandated by the U.S govt., but I want Fidelity to intervene with the credit reporting agencies and allow me to get the good credit rating I used to have before the credit card company and Fidelity destroyed it.
Consumer complaint received 2017-10-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I sent letters to all 3 credit bureaus outlining inaccuracies on my credit report that needed to be removed and deleted including an account with a company called XXXX XXXX XXXX, Transunion and XXXX both responded that they deleted this account because they were unable to verify this account with the creditor. XXXX failed to respond so I sent them new paperwork onXX/XX/XXXX making the request again also requesting that if they find the account valid, I request proof. XXXX did respond, however, they said that the account was verified without showing any evidence of the verification. I find it hard to believe that none of the other companies ( Transunion or XXXX ) were able to verify this negative item and XXXX was different. Evidence is required by law or it must be removed. On this same date XX/XX/XXXX, I also sent new requests for corrections on data to Transunion and XXXX and both companies have failed to respond to my requests for those changes and today is XX/XX/XXXX. This is unacceptable and a violation of my rights as a consumer.
Consumer complaint received 2017-07-23
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. (FL)

I was looking at my XXXX credit report on XXXX XXXX, 2017 and noticed it is still showing XXXX XXXX as open with a balance of {$3400.00}. I paid this loan off on XXXX XXXX, 2017 at {$3400.00}. Why is this still showing up two and a half months later? When I go to my XXXX XXXX account, it shows paid in full with a {$0.00} balance. No doubt this is impacting my credit score. XXXX is supposed to be some sort of great credit monitoring product but I do n't see any meaningful benefit from my membership. After contacting them via email, I never got a reply.
Consumer complaint received 2017-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

I received a response from Equifax saying I may have been a victim of fraud. The date of the notice is X/XX/2017. I 'm making an attempt to upload a copy of my drivers license and social security card with my maiden name. I 'll try to send a copy of my marriage license, check stub. Each time I mail them information it 's lost or thrown away. I 've sent them this information several times, prior to contacting XXXX. I took a picture of my drivers license. It uploaded, it also showed removed. I do n't know what that mean. There was a number in the upload file.
Consumer complaint received 2023-11-21
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Peer Advisors, LLC (NJ)

To whom it may concern : RE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, remainder beneficiaries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FHA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After submitting the first complaint to the CFPB, I spoke with XXXX XXXX XXXX Compu-Link who has been made fully aware that both the counseling certificates and the origination documents for the reverse mortgage of the property do in fact have forged signatures by multiple remaindermen, one being my late mother, XXXX XXXX XXXX XXXX XXXX, my fathers attorney XXXX XXXX formally requested ALL origination documents, counseling certificates and inspection ledgers, as well as other items, from Compu-Link. This still has not happened. 

XXXX XXXX informed me over a phone call that my father 's lawyer XXXX XXXX would be receiving a call from Compu-Links  supervisor by the name of XXXX within a weeks time. This was 3 months ago. This still has not happened. 

After months of false promises from Compu-Link. I am formally requesting this predatory reverse mortgage be entirely extinguished to a XXXX balance along with the free and clear deed be sent overnight to XXXX XXXX, by Friday XXXX XXXX XXXX 

This situation has been and continues to become increasingly damaging for my family in multiple ways. 

Our intention is to file suit, unless this reverse mortgage is entirely extinguished and the deed sent to my father 's attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (WA)

I have had a very difficult time with Caliber. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Caliber always seemed to lose my paperwork, which I constantly had to re-fax. Once Caliber receives the documents, it takes them 5-7 business days to confirm they have received them. I now have a sale date of XX/X/2017, and Caliber is stating they can not review the modification because of the sale date. If Caliber was not so dysfunctional they could have reviewed the modification 30 days ago. I feel like Caliber is being fraudulent and lying to me. All in an effort to foreclose on me.
Consumer complaint received 2017-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (FL)

Sam 's Club Annual Rewards checks were originally issued in XXXX/XXXX 2017. I called Synchrony Bank around X/X/17 due to non-receipt of my {$110.00} check. I received a confirmation letter dated X/X/17 confirming the previous check was cancelled and a replacement would be sent within 30 - 45 days. On X/X/17 I called Synchrony Bank again due to non-receipt of the replacement check. I received a confirmation letter dated X/X/17 confirming the previous check was cancelled and a replacement would be sent within 30 - 45 days. As of today X/XX/17 I have n't received my annual rewards check despite my multiple requests. I am requesting 2 things : 1 ) Your assistance in obtaining the {$110.00} via a credit to my account ( I 'd prefer not to wait for another check unless it 's coming XXXX ) 2 ) I 'd like to request that during the next Audit of this financial institution that their rewards practices with partners be reviewed specifically how many customers do n't cash checks and complaints related to non-receipt of checks. It 's appears to me issuing checks rather than issuing account credits is a way to retain some of the reward related expense due to customer 's not cashing checks they do n't receive.
Consumer complaint received 2024-10-10
Product: Credit reporting 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. (CA)

On XX/XX/XXXX, I accessed my Equifax consumer report and did not recognize multiple credit inquiries on my report. Upon this discovery I decided to dispute these Inquiries directly with Equifax through their website. I requested a thorough investigation and to provide proof that I authorized these inquiries. Equifax DID NOT provide any information regarding these inquiries in their automated response that came 24 hours later and just started that all inquiries are factual information on a report which is false. The inquiries I did not authorize are as follows and I am requesting the company supply me with immediate proof that these Inquiries were in fact authorized by me or I demand they be deleted from my consumer report per the FCRA : XXXXXXXX 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
Consumer complaint received 2017-07-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (GA)

I noticed a collection from AFNI on my credit report in XX/XX/XXXX. The comments on my report stated the original creditor as XXXX. I contacted XXXX in XX/XX/XXXX to inquire about the debt. Although XXXX was able to confirm that I was a prior customer they were unable to retrieve any account information. XXXX informed me that if my account went to a collection agency the agency would be able to verify any debt by providing itemized account statements. On XX/XX/XXXX I contacted AFNI and requested account statements from XXXX. AFNI refused to send any account statements rather they just told me I owed them {$1000.00}. On XX/XX/XXXXI completed an online dispute through XXXX. Upon completion of that dispute on XX/XX/XXXX, no changes were made to the AFNI collections on my credit report. On XX/XX/XXXX, I again called AFNI and requested an account statement with XXXX charges verifying the debt they have placed in collections on my credit file. The representative offered me a settlement and I told him I was not interested in a settlement and that I only wanted verification of the debt. He told me he could send verification of the debt. I have not received that verification. On XX/XX/XXXX I contacted AFNI again to request an account statement showing specific XXXX charges. The representative became somewhat aggressive and asked me what was taking me so long to pay my debt. He told me that the prior representative I spoke to inXX/XX/XXXX offered me a settlement and that I needed to help him understand why 9 months had passed and I still had n't paid this debt. I explained to him that I do not feel comfortable paying for a debt that I may not even owe. I again requested an account statement showing specific XXXX charges. He told me he was unable to provide an account statement and that the only thing I could do is dispute the debt with the credit bureaus. On XX/XX/XXXX I disputed the debt through XXXX. Upon completion of the dispute onXX/XX/XXXX, no changes were made to the AFNI collection on my credit report.
Consumer complaint received 2017-07-23
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: M&T BANK CORPORATION (NJ)

On XXXX XXXX, 2017 I had an 18 Month CD mature at M & T Bank. The Branch I use is in XXXX XXXX, XXXX XXXX, NJ. The CD originally started with XXXX XXXX XXXX XXXX which was acquired by M & T Bank. The account balance of the CD was {$5500.00}. Last month ( or the month before ) I received a renewal notice telling me the CD was coming due but that the rate I could be paid on renewal had yet to be established, hence could not be disclosed. On Saturday, XXXX XXXX I received a renewal notice in the mail dated XXXX XXXX which disclosed the CD ( Account Number XXXX in the amount of {$5500.00} ) had been renewed for another 18 months at a rate of 0.1 %, which is ridiculously below market. On Monday XXXX XXXX, I visited the XXXX XXXX XXXX XXXX XXXX XXXX to close the CD and spoke to Branch Manager XXXX XXXX who processed the CD Closure and charged {$52.00} in interest forfeiture fees and penalties. I told her that this amount of penalty sounded excessive given the late notice on the new rate and the fact that the new rate would only yield me {$5.00} per annum in interest income. She did n't really reply to that but said I could have closed the CD within ten days of renewal or before renewal to avoid the penalty even though I did not receive notice of the rate until 24 days after the renewal. She was very nice but essentially I gathered she was powerless to be fair about this so here I am. The Bank Official Check I left with was number XXXX for {$5500.00}. I am writing to you to try to get help for myself and the countless other people who were given penalties I deem to be excessive given the circumstances.
Consumer complaint received 2017-02-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (AZ)

Please refer to this Case number : XXXX. I tried taking out my money from citi 's account - XXXX checks ( $ XXXX and {$400.00} ). My checks are getting bounced and my XXXX charged me {$7.00} fees for each of the XXXX checks. How come citi can deny taking out my own money? I know there is no insufficient funds. Neither Citi let me access my account nor sending any statement. On top of it- when i want to move out my money-i am given hard time.
Consumer complaint received 2017-10-26
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. (WA)

XXXX XXXX XXXX is reporting account incorrectly. The account info ... mortgage number and balance is inaccurate, and the status is showing 120 plus  days late. Someone else 's account. My mortgage was always current and is now paid in full
Consumer complaint received 2017-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (NY)

Hi there - Since I am in the process of buying a car I had a shock when I hear my score is poor. I could n't understand why so I have checked online - now, I am not even sure if this is what affects it but I saw a Banana Republic card on my report. I do not have a card from them so I have no clue what that is. I will call them on Monday ( XX/XX/XXXX ) to understand more but I wanted to file this official complain with you as well. Copying the information for you below. It is ALL inaccurate. Thanks, XXXX # # # Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. High Credit {$120.00} Owner INDIVIDUAL Credit Limit {$3000.00} Account Type REVOLVING Terms Frequency MONTHLY Term Duration 0 Balance {$120.00} Date Opened XX/XX/XXXX Amount Past Due {$75.00} Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment Date of Last Activity Scheduled Payment Amount {$31.00} Months Reviewed 4 Delinquency First Reported Activity Designator CLOSED Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount Loan Type Credit Card Date Closed XX/XX/XXXX Date of First Delinquency XX/XX/XXXX
Consumer complaint received 2017-07-23
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: Experian Information Solutions Inc. (GA)

On XXXX XXXX 2017 I sent a certified letter to all three credit bureaus stating that I had multiple inquiries on my report I did n't recognize and I did n't authorize these inquiries. I have yet to hear back from the companies. I decided to call XXXX on XX/XX/XXXX, and was told they received my certified letter but they put the information in wrong and they will start the investigation all over. I was never notified of anything prior to calling on this day from either XXXX, Experian or XXXX.