davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC (TX)

The milestone credit card lied about which bank they were associated with, paid to remove negative postings online and placement of actual information and has taken double. I paid the card off and made all payments. A XXXX card after years of not using it I've paid XXXX dollars plus with the balance changing day by day and the information about my account changing on a whim. It isn't right. Please help.
Consumer complaint received 2024-03-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (ND)

Midland management collection agency alleged that I owe a debt to their company. however, i didn't have any recollection of entering into any contract with them. yet I offered to settle the matter by requesting them to provide me with documentary evidence to support their claim. Midland fail to provide what was requested, but continued to report it on my Consumer report tarnishing my good name and reputation.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting Act ( FCRA ) and XXXX  Account # 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 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 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 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  ALL has violated my rights. 15 U.S.C. 1681 Section 602 A states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (SC)

Goldman Sachs is the owner of my mortgage and XXXX XXXX XXXX  is the servicer. My mortgage has been transferred 4 or more times over the course of 15 years and recently twice in one year. There is a lot of confusion in the validity of my promissory note. I have reviewed my original Mortgage documents including the original promissory note and modification agreement back in XXXX and XXXX. I recently received requested documents from XXXX and documents after a CFPB complaint and after careful review, I noticed that my original promissory note and permanent loan modification documents are not the same. Appears there documents have been altered or tampered with question the validity of my promissory note and modification agreement in XXXX. The correction of my name without my acknowledgment or initials. The notarizing of the documents without my presence. Most Importantly the unfair terms in the entire note and agreement including interest rate renders the promissory note simply invalid. This was during the time of predatory lending right before the housing crisis and bailouts. Lending practices were being violated resulting in invalid promissory notes and mortgages. I would like for Goldman Sachs and XXXX XXXX  XXXX to recognize the abuse and unfairness of the agreement and render the promissory note invalid. If we can not come to an agreement of some sort that satisfying to both parties then I have not other recourse but to seek legal redress.
Consumer complaint received 2023-05-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (CA)

Hello, I requested mortgage forbearance from Huntington Bank for XXXX XXXX hardship under the CARES Act several times but the forbearance department and customer service told me that it is too late to request forbearance under the CARES Act. I called XXXX XXXX and I was told that both my mortgages qualify for forbearance and related relief under the CARES Act and the bank gave me incorrect information. I called the bank back and informed them what XXXX XXXX said but the bank still did not change its position. It also said it would have a supervisor in the forbearance department call me back but no one ever did, except for someone in customer service who was not helpful at all. I have two mortgages with Huntington Bank and I received the same incorrect information for both.
Consumer complaint received 2023-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (ID)

On XX/XX/2023 we initially reached out to the mortgage company to request an off schedule escrow analysis. We had received our county tax bill and it was significantly different than what UWM had been holding back. They ran the analysis and mailed us a refund check of {$6600.00}. Yet they didn't change the amount of escrow they were holding back, they actually raised our monthly payment. We have repeatedly reached out via message, chat, and phone to try to work out the issue and get our payment to the correct amount. They have continually told us they are researching the issue and will get back to us by a certain date. Inevitably the date arrives, we reach out again and they push us off to a later date. It has now been 102 days with no resolution. They are reserving {$8200.00} in our escrow account for taxes, however our annual tax amount is {$3100.00}. Our monthly payment should be reduced by {$410.00} dollars. After all of this communication back and forth we just got a notice that they have sold and will be transferring our mortgage to another servicer on XX/XX/XXXX. This means we'll have to start the process all over with a new company.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

Re : Dispute of Account Information - XXXX XXXX, Account Numbers : Experian XXXX Dear CONSUMER FINANCIAL PROTECTION BUREAU XXXX I am writing to dispute the information on my credit reports concerning the XXXX XXXX accounts, particularly Account Numbers : Experian XXXX and XXXX XXXX XXXX After reviewing my credit reports from Experian and XXXX, I have identified numerous discrepancies that need to be addressed promptly to ensure the accuracy of my credit information. 

XXXX. XXXXXXXX  Reporting Absence : XXXX - XXXX XXXX is not reporting on XXXX XXXX all. 

I request that XXXX XXXX be removed from my CONSUMER report, as the absence of information on this bureau creates inconsistencies and inaccuracies in my credit profile. 

XXXXXXXX XXXXAccount Type Discrepancy : XXXX XXXX Experian reports the account as an " Unsecured loan. '' - XXXX provides no information on the account type. 
- XXXX XXXX  is not reporting on XXXX at all. 

The lack of detailed information on XXXX about the account type raises concerns about the consistency and completeness of the reported data. 

XXXX. **Payment Status Discrepancy : ** - Experian reports the account as " Collection/Chargeoff. '' - XXXX reports the account as " Collection/Chargeoff. '' - XXXX XXXX  is not reporting on XXXX at all. 


The consistent reporting of the account as " Collection/Chargeoff '' raises questions about the accuracy of the information provided by XXXX XXXX XXXX 

XXXX. XXXX XXXX XXXX : ** - Experian reports a high credit of {$20000.00}. 
- XXXX reports a high credit of {$15000.00}. 
- XXXX XXXX  is not reporting on XXXX at all. 


The conflicting high credit amounts on the same account across different credit bureaus create confusion and could have a significant impact on my credit score. 

Considering these discrepancies, I request an immediate and thorough investigation into the accuracy of the XXXX XXXX account information on XXXX. Additionally, I request that you remove XXXX XXXX from my CONSUMER report as the inaccurate and incomplete data poses a threat to my identity. I kindly ask that you delete and block the information accordingly to ensure the accuracy and consistency of my credit reports. 

I appreciate your prompt attention to this matter and request updates on the progress of the investigation within the 30 days. 

Sincerely,
Consumer complaint received 2018-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One- I'm sending documents on my accounts. I had paid off my accounts on XX/XX/XXXX on cards # XXXX & XXXX. Card # XXXX had expired in XX/XX/XXXX so I cut it up and they sent a new card # XXXX which I never used. That account shows I have a balance of {$940.00}, and I don't know why if I paid the other account off. The account shows that they keep adding amount on it and a card # XXXX on my account was used in XXXX and XXXX at the same I was suppose to using # XXXX, and I was living in Oregon at that time. I would like to have the accounts balances XXXX  out on cards # XXXX & XXXX. The amount of {$940.00} was according to them was from XX/XX/XXXX so if it was paid off in XX/XX/XXXX why does it have a balance.
Consumer complaint received 2023-02-03
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-05-22
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Montgomery County Credit Bureau (TN)

WELL, I notice not right information on my credit report like dates the balance was not accurate so dispute them, but it came that it was not corrected or change. because the amount from my records and the amount the company I had credit with was always not accurate or corrected and always a month or 2 off after I made a payment. PLUS WHY it still show a bad payment history. when the company with bad payment history was remove
Consumer complaint received 2023-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: A & O Recovery Solutions, LLC (IL)

I checked my credit report on XX/XX/23 because I was denied a car loan due to a collection account. The collection agency is CCI for a XXXX XXXX XXXX. I moved away and was no longer in the service area for their service. I did not have a past due bill with them. I believe someone obtained service in my name, but this account does not belong to me. Nor should it be on my credit report. I filed a police report and was encouraged to file a report with CFPB.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-05-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Payday America Inc. (MN)

I began being contacted by Payday America on XXXX XXXX. I received both a text message and a I believe a restricted number call followed by a caller Id call from XXXX. I was left a message that stated that Payday America was attempting to contact me regarding a  payment that was due on my account. After I received the message I immediately contacted the company and let them know that they were contacting the wrong person. That I have no loan or pawn item with Payday America. I insisted that they no longer contact me regarding a debt that is not mine and told them to remove my number from their database. The woman on the other end of the line was rude. I told them do not text me or call me again. I then received a call and a text message on May 5th. I again contacted Payday America and asked them to remove my number. The  woman on the other line attempted to get my name. I let her know that I do not have an account with them and I was not providing that but I provided the phone number and again requested that it not be contacted. I have since received two more text messages weekly on Fridays and get a restricted call followed by a caller ID call of XXXX calls every Friday as well and have contacted them every time they have called and asked them to remove my number. Today XXXX XXXX XXXX after receiving both a text message a restricted call and a caller ID call with the caller ID of XXXX I called Payday America again and again requested to have my number removed from whoever is using it on their account. The woman on the other end of the line said that there was no way to remove it and I should just " Block '' their number on my phone. I do not want my phone number that I have had for 4 years to be associated with someone 's account that has payday loans. I do not think that it is too much to ask to have my number removed. I should not have to block a phone number from calling me to avoid a company calling me regarding a debt that is NOT mine. I do not authorize them to call my cell phone for the purposes of collecting a debt. I do not authorize them to text message me on my phone that I pay for to collect a debt that does NOT BELONG to me. I want my number to be removed from the account in which it is associated and I want them to NEVER contact me regarding someone else 's debt again. I have tried 4 times to get them to remove my number and now I am here. Please help me to get them to stop contacting me!
Consumer complaint received 2023-04-11
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: Guglielmo and Associates (NM)

This situation started on XX/XX/XXXX of this year, XXXX last month. I was at work, XXXX  of a XXXX Unit when my Boss came in and stated she needed to print out paperwork for me. The paperwork was from XXXX XXXX XXXX with a garnishment of my pay which I had no idea was even held. I had not received anything related to a court. On the court papers sent to me, The date stated XX/XX/XXXX. I had not received any notice of a lawsuit. Again, I received the court paperwork in XX/XX/XXXX. I called and talked to the court secretary and stated I had never received any notice from XXXX about the lawsuit. The secretary stated the plaintiff had told the judge they had mailed a notice to me at my home listed on the paperwork. I informed her I never received a notice nor wasI given a notice from a process server from the court. The paperwork from the court is still in my possesion. In the paperwork it stated I had never made any payments to the balance. This is inaccurate. I paid monthly against the balance, however, the majority of the payment went to interest on purchases. In fact, from, the payments sent, between XXXX to XXXX dollars, XXXX to 90 % went to interest on Purchases. The balance continued to grow each month. Over time it became impossible to make the payments. This was very disturbing for me. Not being able to put the money towards the balance. I finally had to stop due to the balance increasing.
Consumer complaint received 2018-01-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau of Carbon County (CO)

I had my wages garnished for medical bills and the garnishment was complete and paid in full. I received a letter stating my garnishment was fulfilled and there was another two bills that came in and were added on for XXXX. I called the company to make payment arrangements and they have now added on XXXX court costs and XXXX court costs. I cant afford to pay these outrageous fees added on. They are also telling me I have to pay XXXX a month until it is paid in full
Consumer complaint received 2017-05-19
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. (CO)

My husband and I sold our house through a short sale. The date of closing was  XXXX / XXXX / XXXX . However,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  is reporting the closing as  XXXX / XXXX / XXXX . This is impacting our ability and rate of a new home loan. I attempted to contact   XXXX   and they gave me the run around and told me that I had to dispute the information with the credit bureaus and that I needed to call the title company as they would know why there is a year discrepancy. This is ridiculous.  XXXX  is the one who agreed to the settlement. I have the settlement letter dated  XXXX / XXXX / XXXX . Additionally, it states right on th e Settlement Statement  that the date of Settlement is  XXXX / XXXX / XXXX . I am requesting from the   XXXX   a signed letter stating that our closing/ settlement date was  XXXX / XXXX / XXXX  and not  XXXX / XXXX / XXXX . Additionally, I expect them to immediately correct this information with the credit bureaus as it is negatively impacting both my own and my husban d 's credit score. T hank you!