davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-08
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. (MD)

Good evening, Im having trouble with Experian complying with FCRA rules, I have submitted several complaints, the issue at hand involves a Public Record that should be removed, Experian has agreed that the Public Record was reporting a incorrect address and that address was removed, therefore, Im asking Experian to please remove the Public Record that was reflecting a incorrect address, in a previous response, Experian stated that the information has been removed, after contacting Experian I found that to be false information, Im seeking to resolve this immediately, thank you
Consumer complaint received 2021-03-08
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: Hunt & Henriques (CA)

I called the debt collector trying to find a way settle this debt. With multiple phone calls they don't care about you and threaten you in many ways. I am not a lawyer and don't understand a lot of what they say, I asked them to speak to me in language I can better understand. They then threaten foreclose on my property, which I don't have, I rent and live pay check to pay check. In face the company I work for has recently closed and we don't even have a Job at the moment. Then they said that they will impound my car and take more of my property. Its very scary and I don't know how to deal with this situation. They wont listen to me or care about anything I want to say. They are very rude and do everything to scare you
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I am writing to follow up on my previous dispute regarding the negative items listed on my credit report, which I firmly believe are incorrect and unverified. Despite my efforts to rectify this matter, I am disappointed that these erroneous entries have not been addressed or removed from my credit report.
Consumer complaint received 2021-03-08
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/XXXX, I was charged a {$40.00} late fee, and again on XX/XX/XXXX. 

My payment had always been due on the XXXX according to my new payment date, this is one day late. 

Called Comenity Bank and they refused to credit my account!
Consumer complaint received 2021-03-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GOLD STAR MORTGAGE FINANCIAL (OH)

During the closing on my home. Gold Star Mortgage was hacked by an outside source. As a result, I was sent wiring information from one of Gold Star 's employees. Please note Gold Star will respond saying they were not breached and I was. However, prior to the fraudulent email, I had NEVER has email, text or phone conversations with XXXX XXXX XXXX the loan processor ). Gold Star then informed me that in fact she was an employee there but did not send the email to me. Prior to sending the wire transfer, I contacted by phone my mortgage agent, XXXX XXXX. I sent a screenshot of the wire transfer instructions and told her the name of the person that sent the email, Ms. XXXX. She verbally instructed me to send the wire for {$7.00}, XXXX to a XXXX bank account. She was on speakerphone and the XXXX XXXX  Branch Manager, XXXX heard her give me the go ahead. Once the scam was discovered Gold Star immediately became combative and accusatory. My realtor XXXX XXXX was involved, I filed a police report, bank fraud and tried to work out something with Gold Star. They told me they had no responsibility even though my mortgage broker told me to send the money. Please make sure this company can not do this to anyone else.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2017 my bill did not go through account with missed payment. I am kindly requesting CAPITAL ONE BANK USA NA ( Date Opened : XX/XX/2017 ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (NC)

Yes I am always very careful with my credit at all times. I works very hard to pay my bills especially threw these hard times with the coronavirus. I lost my business that I had and I have been very devastated. But what money I was able to make I decided it was a good time to try to get rid of some of my debts the best way I can. So I was able to pay my car off and one finance company so far. None of this have been easy for me. I was so hurt when I saw my credit scores have drop XXXX points. I work hard to always keep a good credit score and that not fair when you pay your debts down you end up getting penalized for it. I have tried calling the three credit bureaus and you could never get peoples who can make sense of whatever they be saying. I never miss payments on my accounts. But XXXX points and as hard I have tried to keep my credit together. Also on some of my credit reports I saw about a 50 soft injuries on my reports that wasn't made by myself. That should be against the law anybody can call in about your credit or even try to get credit in your name. They be getting all of your personal information and I had to put freezes on my accounts. And that didn't seen to help much. I am wanting to pay more of my debts off and I am afraid my credit score going to drop so low. So what am I am suppose to do? That my personal information and I don't feel it sure be shared with peoples without my knowledge. This world is full of crooks and scam artists. Telemarketers everyday calls your house trying to scam peoples and they can't seen to be stop and the government can't seem to help much either. I have tried everything. I finally was able to buy me a small phone blocker at XXXX and it seem to be helping out a little. My creditors that I have paid off they said they so sorry to hear my score drop XXXX points and that wasn't fair at all. They was willing to write me letters stating how well I paid on my accounts, but they can already see how well I pay my bells for themselves. So I want to know what I can do to get my credit scores back up without going back into debt? Please help this is very hurtful especially when you try so hard. This coronavirus have destroyed so many lives including mind. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Yes I am always very careful with my credit at all times. I works very hard to pay my bills especially threw these hard times with the coronavirus. I lost my business that I had and I have been very devastated. But what money I was able to make I decided it was a good time to try to get rid of some of my debts the best way I can. So I was able to pay my car off and one finance company so far. None of this have been easy for me. I was so hurt when I saw my credit scores have drop XXXX points. I work hard to always keep a good credit score and that not fair when you pay your debts down you end up getting penalized for it. I have tried calling the three credit bureaus and you could never get peoples who can make sense of whatever they be saying. I never miss payments on my accounts. But XXXX points and as hard I have tried to keep my credit together. Also on some of my credit reports I saw about a 50 soft injuries on my reports that wasn't made by myself. That should be against the law anybody can call in about your credit or even try to get credit in your name. They be getting all of your personal information and I had to put freezes on my accounts. And that didn't seen to help much. I am wanting to pay more of my debts off and I am afraid my credit score going to drop so low. So what am I am suppose to do? That my personal information and I don't feel it sure be shared with peoples without my knowledge. This world is full of crooks and scam artists. Telemarketers everyday calls your house trying to scam peoples and they can't seen to be stop and the government can't seem to help much either. I have tried everything. I finally was able to buy me a small phone blocker at XXXX and it seem to be helping out a little. My creditors that I have paid off they said they so sorry to hear my score drop XXXX points and that wasn't fair at all. They was willing to write me letters stating how well I paid on my accounts, but they can already see how well I pay my bells for themselves. So I want to know what I can do to get my credit scores back up without going back into debt? Please help this is very hurtful especially when you try so hard. This coronavirus have destroyed so many lives including mind. Thank you for your prompt attention to this matter.
Consumer complaint received 2017-09-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IN)

I have a problem with Ocwen they have done me and my Wife worng like the discharged XXXX of my loan back in XX/XX/XXXXmaking my balance XXXX an saying that my payment to be XXXX after that they sent me a 1099 misc tax form showing that they discharge XXXX i got behind on my payment again 3 months do to go in to the hospital for my XXXX this time they sent me modification and i filled it out this time they made my balance from XXXX to XXXX and made my payment from XXXX to XXXX per month plus instead of a fix rate they made a bloom loan. plus i have to pay the Government XXXX in taxes and XXXX to my state taxes because they discharge that XXXX and i see that CFPB filed charges against Ocwen. if you can help us please do so.
Consumer complaint received 2023-08-08
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. (TX)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-08-08
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. (IA)

The following account currently listed and showing on my XXXX XXXX, XXXX and Equifax credit report is a fraudulent account and the result of identity theft : XXXX XXXX XXXX, {$4000.00}, XX/XX/2022. The XXXX XXXX XXXX XXXX XXXX Account is not my account, a fraudulent account and the result of identity theft. XXXX Police Department Case Number : XXXX
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

My husband died XX/XX/XXXX. I talked Bank of America on XX/XX/XXXX at the branch at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I gave them a copy of the death certificate. They ordered the paperwork from estate services. On XX/XX/XXXX, I called to find out were the paperwork was. They said I would get it on the XXXX. I received the paperwork on XX/XX/XXXX. I filled it out and got it notarized on XX/XX/XXXX. I mailed it in the same day. I hadn't heard anything, so I called them on XX/XX/XXXX. They told me I forgot the zip code and filled in too much areas on the letter of instruction, They told me they would send me another form. I called them on XX/XX/XXXX, they told me they had not sent the form yet. On XX/XX/XXXX, I went to another branch and filled out another letter of instruction. They faxed in the form. Then they called the estate services to see if anything else was required. They said all paperwork was received and should get the money in 2 weeks. on XX/XX/XXXX, I received a letter from Bank of America stating they needed another copy of the affidavit for collection. I called them XX/XX/XXXX and said it was turned in XXXX. They said they would put it to a second review.
Consumer complaint received 2017-09-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

Although Citizen 's Bank increased interest rate three times this year, in XXXX they increased the interest rate for the fourth time although Federal Reserve did not increase interest rate since XXXX of 2017. It appears that the Bank is intended to harass us with systematic increase of rate.
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (DC)

I digitally transferred funds from my PNC checking account to another bank. The funds were credited to my account at the other bank but later returned to PNC because the other bank couldnt read the check. In the interim I closed my PNC account so there was no open account to receive the funds at PNC. Instead PNC stated ( on a recorded line ) that they would be mailing the check to me directly. They have not done so. It has been several weeks, and I have called them many times. Ive been told repeatedly that I needed to talk with somebody else or a different department, but nobody ever calls me back. I just want my money to be sent to me now. That shouldnt be too difficult.
Consumer complaint received 2021-03-08
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: JPMORGAN CHASE & CO. (NY)

I am writing to JPMCB - CARD SERVICE ( Date opened XX/XX/2012, Responsibility Authorized User ) I am kindly requesting JPMCB - CARD SERVICE agency to remove this collection from my credit reports as a gesture of goodwill, because the cardholder is no longer alive ... Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2021-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (WI)

I opened an account with Simple bank in the fall of XXXX. Some time around XX/XX/XXXX my card started to be declined. According to the XXXX statement there is {$290.00} in the account and {$21.00} in an associated savings account. Missing from that total is a {$1000.00} deposit that was withdrawn from my account at XXXX XXXX, and is shown in the Simple mobile phone app as being in process, but has not shown up in the account balance. 

I attempted to resolve the issue with Simple Customer support and was eventually informed that Simple had decided to close my account for undisclosed reasons and that after the account closure was completed I would receive an additional support message in addition to a cashiers check for the remaining balance. They were clear that no further information would be provided to me for the reason for the account closure. 

It has now been close to 60 days since Simple began withholding access to my funds and I have not heard anything from them for nearly 6 weeks. Simple appears to be a front company for BBVA and is in the process of being shut down, I attempted to contact BBVA but after being put on hold for some time I was eventually forwarded to Simple customer service which simply played a recorded message then hung up on me.
Consumer complaint received 2021-03-08
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. (FL)

AT & T timeline of complaint XXXX - Ordered phones XX/XX/XXXX - Received Phones and activated them XXXX Received Bill dated XXXX and due XXXX for {$320.00} XXXX Returned phones within 4 days after getting them to USPS with the prepaid address label giving by XXXX XXXX XXXX. This is within their 15 days return policy. 
XXXX XXXX XXXX XXXX received the phones. USPS Tracking number XXXX. Signed by Shipping Agent on XXXX. 
XXXX - Called and spoke with XXXX. Told her we returned the phones. Said she would waive the {$60.00} activation fees, and we would only be bill for the 4 days of service. We said fine send us the bill. 
XXXX Instead of just 4 days of service, we received a bill dated XXXX for the full amount of the phones. {$2700.00}. 
XXXX Called and spoke with XXXX. Told her we returned the phones. Said she would credit us for the error. CASE # XXXX XXXX - Received a collection notice dated XXXX from XXXX XXXX XXXX XXXX XXXX for a balance of {$1400.00} XXXX - Called again. Spoke with XXXX. They only credited us for one of the phones that was returned. Said shed take care of it and remove it from collection. CASE # XXXX XXXX Got a call from XXXX XXXX XXXX XXXX XXXX. Spoke with XXXX. 
Said we had a balance of {$170.00}. Apparently for the 4 days of service. 
XXXX Called XXXX XXXX XXXX and spoke with XXXX. Told her we never received any bill for the final balance after all of XXXX XXXX XXXX mistakes. Told her we thought {$170.00} was excessive for only 4 days of service. She agreed to only charging {$32.00} and would take it off collection since it was their mistakes. We made the payment of {$32.00} directly with a credit card with the representative of XXXX XXXX XXXX as requested. XXXX XXXX XXXX XXXX confirmation XXXX XXXX - Received a notice from XXXX XXXX XXXX XXXX XXXX that the collection was paid in full. The Experian Report shows that the balance paid was for {$1400.00}. We never owed this amount. 
This should never have been a collection in the first place. I want this removed from my credit report as being a collection as it has lowered my credit score 100 points. 
XXXX filed a complaint with Experian Report Number : XXXX XXXX Dispute results ready from Experian The report still shows this as collection of {$1400.00}. I want it removed. And I want this wiped off my credit report.