davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My credit report reflects two hard inquiries being made into my credit as follows : 1. Inquiry from XX/XX/XXXX Institution Information Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX 2. Inquiry from XX/XX/XXXX XXXX XXXX XXXX, CO XXXX I never authorized these " hard inquiries '' and have tried to reach out to the above on prior occasions to have the issue rectified.
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2019, XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-02-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (PA)

I sent a letter to a collector that I found on my credit report for a debt that I paid and was assured would be deleted YEARS AGO. I sent them a letter asking them to do what they promised when I paid the debt, and delete it. that mail was returned to me because the address was incorrect. so I waited, checked my credit, got the address again, and it is the same. Penn Credit has not reported accurate data. I want this account deleted and I have no idea how to contact them. They've never sent me any mail. I only settled the debt to get it removed from my credit, and it's still there, and no my right to dispute it has been fully removed.
Consumer complaint received 2018-12-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ARVEST BANK GROUP, INC. (MO)

HAD A LOAN FROM XXXX XXXX XXXX, IN XXXX FELL INTO HARD TIMES EXPLAINED TO THE MERCHANT AND THEY SAID OK AND STARTED A PAYMENT PLAN WHICH 1ST PAYMENT WAS DUE ON XX/XX/XXXX MADE THAT PAYMENT ANOTHER PAYMENT ON XX/XX/XXXX AND SO ON SO ON UNTIL ACCOUNT PAID OFF WELL END OF XXXX MERCHANT CHARGED ACCOUNT DIFFERENT AMOUNT REMIND YOU WE MADE PAYMENTS BY OTHER MEANS WHICH MERCHAT PRODUCED TO THE BANK ARVEST BANK COPIES OF THE RECEIPTS OF FORM OF SEPERATE PAYMENT NOT WITH CHECKING ACCOUNT OR DEBIT ACCOUNT THAT THE LOAN WAS MADE WITH. WHEN MERCHANT ACCEPTED OTHER FORMS OF PAYMENT PER OUR AGREEMENT IT VOIDED OUR ORIGINAL CONTRACT FOR THEM TO TAKE FROM MY ACCOUNT I INFORMED THEM NOT TO TAKE IT FROM MY ACCOUNT AND THEY DID ANYWAY AT THE END OF XXXX.MERCHANT EVEN LEFT VM ABOUT PROMISE TO PAY WHICH I WENT TO BANK SO ARVEST CAN HER THE COMPANY SAYING THAT.SPOKE WITH MANAGER AT MERCHANT AND SHE STD SHE WAS NOT AT WORK THE DAY THEY RAN THRU MY ACCOUNT AND CANT REVERSE IT STATED THAT IT WENT THRU AND ITS NOTHING THEY CAN DO ABOUT IT. DISPUTED IT WITH ARVEST AND THEY DENIED IT AND ITS WRONG BECAUSE I REVOKED AUTH FROM USE OF MY CHECKING ACCOUNT AND SETUP PAY ARRANGEMENTS AND MERCHANT WAS ACCEPTING DIFFERENT FORMS OF PAYMENT
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2020 I TRIED TO CALL TRANS UNION, XXXX, XXXX  AND LET THEM KNOW THAT SOMEONE HAS TRIED TO SUMMIT FRAUDULENT APPLICATIONS IN MY NAME WITHOUT MY CONSENT THEY FAIL TO HONOR MY REQUEST TO REMOVE THE INQUIRES DO TO IDENTITY THEFT I WAS HUNG UP ON AND ALSO COULD NOT UNDERSTAND THE CUST SERV REPS THEY DID NOT SPEAK XXXX THAT WELL
Consumer complaint received 2019-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 my husband was sent an invoice for {$200.00} to pay through the " XXXX  '' app through our Chase bank account. This invoice was sent to purchase basketball tickets. My husband was under the impression that by using our Chase banking account we were protected against fraud. Chase promotes the XXXX app on their website as a means to send and receive funds as a chase account holder. We thought we were safe and protected as Chase states they do for their customers. However, once we paid the {$200.00} invoice the invoice sender never sent the basketball tickets. Figuring out we have been scammed we immediately called Chase to stop the payment and get our funds back. We were told by Chase that they do not offer any fraud protection for XXXX app and that we needed to call XXXX. So we called XXXX and XXXX explained to us that since the transaction was done through our Chase bank they can not help us, both Chase and XXXX informed us that we should file a police report about the fraud but neither companies were able to provide us any information about the person who received the money. Chase and XXXX went back and forth blaming each other for the fraud ( on a 3 way phone conversation with myself ) neither company is willing to help us get our money back. As a preferred member of Chase I was expected to be protected by my banking institution. Chase should not promote an app to its customer like XXXX and not protect its customers from fraud. I have ask both Chase and XXXX to cancel the transaction and return my {$200.00} but they have declined.
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi I am XXXX XXXX XXXX submitting this without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy .

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (VA)

My husband and I applied for a new FHA mortgage loan. We were pre-qualified and pre-approved with our lender, who ran our credit scores on XX/XX/XXXX. We went with Rocket Mortgage ( aka Quicken Loans ) and locked in our rate with them in early XXXX with a scheduled closing of XX/XX/XXXX. We provided all the usual mortgage application information/paperwork, which included disclosing inheritance money as an asset. Quicken/Rocket ran our credit 3 times in a matter of 17 days -- XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In this time, they did not work on our application per our lender. When I asked our lender why they were doing it, they could not give us an answer because they weren't getting answers. Of course, this ended up causing our credit scores to drop, and then they asked for $ XXXX in mortgage overlay. We found another lender to fund our loan, who was able to get us squared away, start to finish, in 1 week. They did more work in 1 week than Quicken/Rocket did in over a month. I believe Quicken/Rocket purposely did the 3 hard inquiries on our credit to purposely drive our credit scores down, so that they could attempt to extort us for the $ XXXX they knew we had. This was very deceitful and unprofessional. I understand that the mortgage companies may pull credit, typically right before settlement to make sure all is still in order, and I understand that on the ocassion they may ask for mortgage overlay, but the fact that they ran our credit 3 times to produce the results they needed to be able to request the overlay, whilst not doing any other work on our application, is what tells me that this was unfair, deceptive, and maybe even unlawful.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

The following accounts are incorrect and adversely affecting my livelihood XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-12-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (TX)

Ad Astra continues to report a payday loan that I never took out. I have disputed this 6 times as it is fraud but they have continued to report it as a collection for over 6 years now. They also state that I am paying on it so they can keep it on my file longer : AD ASTRA RECOVERY SERVIC Collection Balance Decrease of {$1.00} It looks like you might be paying down this balance. Good work! Keep in mind that lowering your collections balance won't necessarily change your credit score, although resolving a collections account could help you rebuild your credit health over time.
Between XX/XX/2019 and XX/XX/2019, the balance on your AD ASTRA REC collections account decreased by {$1.00} from {$610.00} to {$610.00}.

This is completely false as I have never paid them anything.
Consumer complaint received 2019-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (IN)

Applied for a home equity loan with my bank and a XXXX XXXX XXXX collection account appeared on my credit report in the amount of {$1500.00}. I contacted XXXX XXXX XXXX and was told the account was being handled by Radius Global Solutions. I contacted Radius Global Solutions and they said I needed a Fraud Affidavit before they could start the process of removing the account from my credit report. They did tell me that this was a collection from a XXXX Account, tied to a phone number ( XXXX ) I have never had. I have never used XXXX. On the credit report, I also noticed that my current address and my husbands current address were both incorrect, so I concluded that this collection account was improperly placed on my credit report.I have been at the same address for 60 years.
Consumer complaint received 2021-11-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (TX)

RADIUS GLOBAL SOLUTIONS LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX, XXXX To XXXX The Office of XXXX XXXX for Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX PHYSICIAN is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX XXXX together with a certified copies of signatures contract between you and XXXX XXXX XXXX , you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of XXXX6 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable XXXX Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 






By : XXXX XXXX XXXX
Consumer complaint received 2019-12-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (MO)

I am on an automatic payment plan with Heartland ECSI. 

XX/XX/2019 I wanted to make a payment on my largest loan with the highest interest rate. Heartland ECSI does not allow you to target specific loans. This is unjust. To make a payment online one is charged a {$10.00} fee, and a 3.95 % charge. This is clearly immoral and wrong. 

XX/XX/2019 I made a check payment to Heartland ECSI of {$1000.00}. The payment was not processed. See attached : " Payment Not Processed '' .pdf. 

XX/XX/XXXX account statement reads {$870.00} Past Due and {$18.00} in Fees. See attached.

Subsequent statements, also attached, accrued interest and fees on this amount. I did not take any action on paying these fees and amounts, since I thought it was clearly a mistake. 

XXXX I called Heartland and they said it was a mistake. The removed the fees from my account and the Past Due amount with interest charged. I asked why was my one-time payment not processed. They said they " could not find the account. '' I asked how can I submit a payment without paying the exorbitant fee. 
They said send in a check. 
I already tried sending in a check ; that is what caused this problem in the first place. 

In short it is seems impossible to make a one-time payment to Heartland ECSI without some sort of exorbitant fee for the privilege.
Consumer complaint received 2022-04-16
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. (FL)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2019-12-04
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. (FL)

On XX/XX/2019 I sent out a letter disputing a fraudulent XXXX account with Experian. They came back and stated that the account had been verified by XXXX. 

In XX/XX/2019 I called XXXX about the fraudulent account, they stated that they were unable to locate this account in their records. I also sent them a letter, in which they received on XX/XX/XXXX, requesting the original business transaction that shows my signature for the item they are reporting on my credit. I have yet to receive anything from them. 

I reviewed my credit report today, XX/XX/2019, and I saw that the account had still been reporting on my credit report. 

I called Experian about the account, in which they had just opened a dispute on XX/XX/2019 again with XXXX. I sent the letter in since XX/XX/2019. I informed them they they need to block the account from reporting until proof is provided otherwise. They refused to block the account and stated that they will wait until XXXX provides information to verify the account. I asked how was it verified the first time since they don't have any information to verify that the account was mine. They couldn't answer the question and only provided a vague response that a dispute is opened. 

Both the other credit bureaus ( XXXX  & XXXX ) have already removed this fraudulent account from my  report, however Experian has failed to do so and it is negatively impacting my credit. I am unable to obtain a business loan as a result of this erroneous account.
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

Us Dept of Education is reporting multiple student loan collections to my report that I should not have or owe. I applied for a student loan forgiveness program and they say it is still in process and it has been a year. I have been paying out of pocket. I should not owe this debt and the loan forgiveness program should be taking care of these. 

The account numbers are as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2022-09-29
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. (LA)

Ive been calling, and Also asking the creditors to verify these accounts they are not properly verifying because these accounts are inaccurate and doesnt belong to me. 

XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$5900.00} XXXX wirless XXXX {$1300.00} XXXX XXXX XXXX  XXXX {$3800.00}
Consumer complaint received 2021-08-30
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. (MA)

TransUinon, XXXX, XXXX  continue to violate the FCRA requirements by not deleting the inaccurate information on my cardmember Service account XXXX. The late notice for XXXX is inaccurate. I was never late for XXXX. I have provided proof documentation on numerous dispute to support my dispute. This willful inaccurate information continue to caused injury and harm to me financially and is preventing me from obtaining financing.
Consumer complaint received 2019-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (TX)

Something called " Pay over Time '' was added to my American Express Green Card. 

I did not know what this was, although I took advantage of it. I inquired about it but never heard back until several months later when I got the attached letter on XXXX XXXX, XXXX. 

The letter states that due to " technical error '' I was not sent a welcome letter and that " we've applied a 0 % APR for the life of the balance to any charges that were added to your Pay Over Time select feature balance before XX/XX/XXXX. '' Simply put, this was not done. 

I have called American Express three times to resolve this issue, however, each time they stated they would get back to me within a short period of time only to have this period pass. I was informed at one point this would apply only to new charges, which is not what the letter indicates. 

On my third call, one representative queried me about the real source of the letter. I read it to her and she concurred it was authentic, promised to get back to me, but I have not heard from American Express.
Consumer complaint received 2019-12-04
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: Mr. Cooper Group Inc. (CA)

My mortgage loan was paid off to XXXX XXXX XXXX XXXX on XX/XX/XXXX and received by XXXX, and spoke to agent who said since they don't have the manpower to credit it on the XX/XX/XXXX because it was received after XXXX I would be charged interest because they would credit my account on XX/XX/XXXX, and I have an escrow account so am owed a refund for PMI/property taxes/insurance. The loan was paid off on XX/XX/XXXX so the balance is XXXX  and  XXXX transferred my loan without my knowledge although I had several conversations with them before it was paid off in XX/XX/XXXX to Nationstar Mr. Cooper in XXXX, Texas. Some customer service agent their was very dismissive/passive about my loan. Now it is showing I owe $ XXXX in mortgage loans on my 3-credit reports AND my credit score was dinged 75 points for all credit bureaus when I am in the middle of buying another property and these folks at Nationstar Mr. Cooper servicing do not know who transferred the mortgage loan over gave me three unknown names not affiliated with  Loancare/Cashcall and reported a balance of {$290000.00} when there is NO BALANCE DUE ON THIS LOAN!!!!!!! I made a mortgage payment to XXXX in the amount of {$1900.00} on XXXX.WHAT IS GOING ON?
Consumer complaint received 2019-12-04
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC. (VA)

On the date of XX/XX/XXXX I received a phone call to pay a bill that I did not owe. The representative kept trying to force me to pay a debt that I never owed the company in question. The next day XX/XX/XXXX the fourth they called my wife who was not on the lease and asked her to pay such bill. My wife told them she was not giving out card information and that we didnt owe and the employee proceeded to get snappy and yell and tell her she needs to pay the bill. I tried to speak to an employee who refused to listen to me and tell me that I didnt know what I was speaking of in relation to the fair credit act and said they would not cease communication. I asked to be on a do not call list and they refused and I also asked for my wife and they also refused. Highly unprofessional company. I stated I will be taking legal action which in return their reply was we dont care were a multi XXXX dollar company we dont care. The companies name is iqdata.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

I paid this credit card to a XXXX balance in XXXX. The XXXX statement said no minimum payment due so I didnt pay anything then assessed me a late fee for a XXXX   balance account in XXXX. Now it is XXXX they reported me to the credit bureau as being past due over 30 days and it is over a late fee assessed based on their statement showing no payment due ... .and they have assessed an additional late fee. I have set up payment to be drafted out of my account. I want the past due status removed and the late fees reversed.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC (TX)

Have a mortgage with XXXX XXXX XXXX XXXX - XXXX - Loan # XXXX. 

We have been given false and misleading promises that if we paid the mortgage on that day I spoke with a gentleman with ID # XXXX  on or around XX/XX/XXXX that it would not go to the credit report as a late payment. They have also stated that the call has been recorded. 

I called back after finding out that it has been reported to the credit bureaus as a late payment with XXXX # XXXX and she informed me there is nothing they can do to remove the late payment and on the meantime it's damaging me. 

XX/XX/XXXX.