davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My name is XXXX XXXX and I have a Capital One credit card that I've had for many years I paid my credit card off in full on XX/XX/XXXX and I don't use this credit card all the time in early XXXX I saw that my credit score went down a lot when I looked at my credit report it said that I missed a payment to Capital One in XXXX I knew that I did not miss a payment so I called Capital One myself and they said that they added a {$2.00} and interest charged on XX/XX/XXXX which is two days after I pay my credit card off in full. 

I was upset but I pleaded with the supervisor at Capital One and she agreed with me and said that they would update their records to show that I never actually missed a payment and she actually reversed the late fee also which I really didn't care about the late fee but she gave me the late fee back because she understand understood and she did say I see that you pay your credit card off on XX/XX/XXXX and then we added a interest charge 2 Days Later I am considering getting a mortgage now and I can not do it with this late payment I ran my credit report every 7 days since XX/XX/XXXX waiting for my credit report to fix my credit card updates on XX/XX/XXXX today on XX/XX/XXXX I called Capital One again and I got another supervisor name XXXX XXXX number XXXX. and after 40 minutes of waiting on hold ... She advised me that they are not going to remove the late remark on my credit report which is complete opposite that the other supervisor told me on a recorded call. 

At this point I was extremely upset and I did lose my cool and swear at the supervisor because this was already supposed to be resolved and I don't know how people in America are. What's the deal with companies like this that her people 's credit reports for unreasonable reasons. If you look at the balance and statements I can prove everything that I never missed a payment in that they are unreasonable on how they calculate the interest to charge it in such a fashion. 

also every call that I called was on a recorded call and they can verify that their supervisor did say they were going to remove the late charge from my credit report
Consumer complaint received 2020-03-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (FL)

Previous complaint. Monterey Financial Is violating the Fair Debit Reporting Act and Fair Debit Collection Practices Act. They were reporting the collection account twice on my credit reports and were trying to be sneaky thinking people don't check. They have fixed my XXXX  report and I see with the last dispute they had sent it to be fixed on XXXX. But they haven't fixed XXXX. This hurt my credit for a good period of time and that's wrong and a violation. My original balance for my XXXX was {$5300.00} which I did make some payments on. Then the account was closed/charged off. Now you are trying to say you can continue charging me on a closed/charged off account that's nearly 5 years old? and charge me almost {$9000.00} in interest and fees. That's extortion! I will have my attorney reach out because your debit collection practices are against the law and you are trying triple my balance owed. Not to mentioned you have tried to collect that balance twice and damaged my credit. which I have proof of. See how that turns out for your company.
Consumer complaint received 2020-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

I'm writing this complaint about my escrow account I had with Specialized Loan Servicing. ( SLS ). I recently received my end of the year escrow statement with SLS and the statement shows a credit of {$2.00}. My total escrow should be {$95.00} a month for my taxes. SLS was charging me {$150.00} for my taxes. A difference of {$54.00}. If i'm over paying {$54.00} I should have a credit of more than {$2.00}. On XX/XX/2020 I sent SLS a NOTICE OF ERROR letter stating I wanted to see why I only had a credit of {$2.00} when SLS was over charging me {$54.00} a month. To this date I've yet to receive a response from SLS on my NOTICE OF ERROR letter I mailed to them.The letter I received stating A refund of {$2.00} does not give me any information of how SLS determined that I had an Amount of Surplus of {$2.00}, it does state my new escrow payment of {$95.00} a month, which is correct because my taxes are the same this year as they were last year.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and two other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2020-03-19
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. (UT)

XXXX XXXX  is reporting a debt on my credit file that I do not know what's it's about. But as soon as I found out I paid the debt. This is a violation of my 30 day right to dispute. I never received any calls or collection notices regarding this debt, and it's already on my credit. This is erroneous! ACCT # XXXX
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXX   XXXX {$18.00} XXXX   XXXX {$670.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX   XXXX {$770.00} XXXX XXXX XXXX {$590.00} XXXX XXXX  XXXX {$650.00} XXXX XXXX  XXXX {$670.00} XXXX XXXX {$840.00} XXXX XXXX XXXX {$16000.00}
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My identity was stolen in 2016 resulting in bank closures and credit cards over drafted. I tried to settle the issues with the companies directly and received some levels of success into discharging the debts per the original companies. I then filed a police and an FTC identity theft report and listed those debts on those reports. I was successful into removing inaccuracies from XXXX  and Equifax ( some ) but not XXXX  even though I have tried many many times and had sent into supporting documents as well. They will not open up another dispute for any inaccuracies after a decision is made despite home having other supporting documents. Ive sent in those documents and they update information that are still inaccurate but will not allow us to dispute those accounts again..ever. XXXX is the only credit reporting agency that continues to report inaccurate information about me and refuses to let me dispute those inaccuracies again despite having more information and supporting documents. XXXX  continually allows old disputed information to come back and again be reported on my credit report after it had been resolved and deleted in prior disputes. XXXX XXXX had already been deleted from my XXXX  credit report in the past but I dont know why its reappearing again without giving me the ability to dispute it again.
Consumer complaint received 2020-03-19
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. (UT)

XXXX XXXX is reporting a debt on my credit file that I do not know what's it's about. But as soon as I found out I paid the debt. This is a violation of my 30 day right to dispute. I never received any calls or collection notices regarding this debt, and it's already on my credit. This is erroneous! ACCT # XXXX
Consumer complaint received 2020-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES (KS)

My bank sends monthly mortgage payment ( {$3000.00} ) to Provident Funding every month on time without any issue until this month. I was not notified until I got a letter from Provident Funding on XX/XX/XXXX. I called Provident Funding and was told : 1. Provident Funding received the payment ( {$3000.00} ) on XX/XX/XXXX. 
2. The monthly payment was increased {$78.00} from XX/XX/2020 ( but I wasn't notified. ) 3. There's a {$100.00} late fee for the {$78.00} short of the payment even I paid the total in full right after I was notified. 
4. Provident Funding knew my phone number and email address but they choice to mail me the notice, which guarantee it won't be received before XX/XX/XXXX. and they can collect late fee for this.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

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.

I told Experian, XXXX XXXX XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX  Account # XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2020-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CO)

We have a home mortgage with Specialized Loan Servicing on our primary residence that they maintain an escrow account for. Every year that Specialized Loan Servicing ( shortened to SLS ) has handled our mortgage there have been accounting errors that have resulted in expensive  shortfalls or sometimes surplus in the account. I have audited the account and every single year there has been an incorrect balance as follows XXXX see supporting documents for statements XXXX : XX/XX/XXXX Shortage in escrow account asked to pay {$1500.00} XX/XX/XXXX Overage in escrow account refunded {$460.00} XX/XX/XXXX Shortage in escrow account asked to pay {$380.00} XX/XX/XXXX Shortage in escrow account asked to pay {$36.00} XX/XX/XXXX Shortage in escrow account asked to pay {$4300.00} The current year shortage is more than 3 times our monthly mortgage payment. When looking at their escrow balance estimate their estimated payment to insurance was {$1500.00} when a balance of {$4300.00} was paid out. This shows that the unchanged values from the year prior were again off by almost 3x the necessary value. 

These accounting estimates are wildly inaccurate and as the homeowner I am expected to foot the bill for their failure to properly account for 2 things that are easily summed. Annual homeowners insurance premium is provided by the insurer and the county tax is paid in arrears so over a year notice is provided if there are changes made. At this point I am being asked to pay the difference in their accounting error due to their negligence. This needs to be resolved and a proper estimate in the escrow account needs to be made. When I attempted to contact SLS in regards to this issue there were no agents available and the call was disconnected. There was a recording playing to try again in 30 minutes which is not an acceptable alternative given no ability to leave a voicemail or email provided. I did also use their customer portal to submit a ticket to have them contact me regarding this issue, but my concern is that they will continue to erroneously calculate the escrow account.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2021-06-18
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. (FL)

This complaint regards Consumer Financial Services, the lender of my auto loan ( hereinafter " XXXX '' ), and Experian, one of the credit bureaus responsible for maintaining accurate information regarding my auto loan. According to my most updated credit report from Experian, I owe {$4100.00} as of XXXX XXXX. This information is patently incorrect and I have several different forms of proof to show the falsity of the information currently reflected for my auto loan. I initiated two different disputes with Experian regarding my auto loan through XXXX, one dispute was without supporting documentation and the second was with supporting documentation. Both times, Experian denied the disputes, citing that XXXX certified to them that the information currently reported was correct. Experian, as the credit reporting agency, refuses to update this portion of my credit report even though I have provided them with unequivocal, verifiable proof of incorrect information being shown for the auto loan account originated by XXXX. It should be noted that the correct balance and payment history for my auto loan through XXXX is reflected on my XXXX  credit report and no dispute is required for XXXX. I have not been able to check what XXXX  shows for my auto loan account, but I am fairly certain the information is correct. I firmly believe this is an issue with Experian blatantly refusing to update my credit report with the correct information that I have provided as proof of a valid dispute, and that their misbehavior is adversely impacting my overall credit score and credit file. Basically, it gives the appearance that I haven't paid on my auto loan since XX/XX/XXXX and owe nearly {$1000.00} more than what I actually do currently. As of my payment to XXXX on XX/XX/XXXX, the remaining balance on this account in dispute is only {$3300.00}. Furthermore, the payment history report provided to me by the XXXX, Florida office for XXXX shows positive payment history at least as far back as XX/XX/XXXX. Based on the foregoing discussions, the inaccurate information shown by Experian for this auto loan account MUST BE CORRECTED IMMEDIATELY AND WITHOUT FURTHER ARGUMENT OR DEBATE.
Consumer complaint received 2020-03-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I have a car loan with Credit Acceptance Corp ( XXXX, MI ) I entered into a payment plan of weekly payments in the amount of {$130.00}. They at some point change their close of month date so although Im on reoccurring payments every week on saturdays to be auto drafted out of my checking account, the month close day aye a week before my last pay in that month. Which then reflects as a late payment on my end for that month. I have not missed a payment yet the close of month date for the company changed in turn effected hoe the report to all 3 credit bureaus. Each month they reported my account late drastically affecting my credit score and has caused me not to be able to obtain another vehicle loan with any company Ive applied for. 

In XX/XX/XXXX I expressed my concerns with the company and not 1 representative mention the companies monthly close date in XX/XX/XXXX. Called again and no one was able to tell me why, finally in XX/XX/XXXX I spoke with a representative and she explained why. On XX/XX/XXXX, I payed a week forward so that my payment would show completed in their close of month cycle and be calculated as an on time payment and asked my account can be monthly on my due date instead of weekly to insure my account is paid on time and within the close of month cycle. Since then they still have reported it late
Consumer complaint received 2020-03-19
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: LOBEL FINANCIAL CORPORATION (CA)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2021-06-18
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: DISCOVER BANK (NC)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-18
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: WAKEFIELD & ASSOCIATES, INC. (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DPT ED/XXXX XXXX {$11000.00} DPT ED/XXXX XXXX {$4000.00} DPT ED/XXXX XXXX {$6300.00} DPT ED/XXXX XXXX {$4900.00} DPT ED/XXXX XXXX {$10000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX {$250.00} XXXX  XXXX {$1900.00} DPT ED/XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX   XXXX {$810.00} XXXX   XXXX {$1200.00} XXXX XXXX {$260.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$2000.00} XXXX   XXXX {$250.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$2700.00} XXXX/XXXX XXXX {$440.00}
Consumer complaint received 2021-06-18
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. (CO)

The last complaint I submitted, I explained that I sent 2 letters regarding my with XX/XX/XXXX being the last date I sent letters to the bureaus accounts that are FALSELY reported and does NOT belong to me. I've called several times, sent in letters, and keep being told they haven't received any letters. Its been WELL over 60 days, how do I know the bureaus won't say this again to keep stringing this out longer and hindering me from being able to obtain the credit that I AM and SHOULD be eligible for? Again this is beyond frustrating when you can't get any answers or any progress updates besides being held off another 60 days. The credit bureaus are in violation of my rights per FCRA. This is false reporting and negligent of the credit bureaus. I won't continue to be overlooked and undermined about a serious matter. The bureaus will be hearing from my legal team to pursuit remedy and litigation! This matter should have been taken care of by now! Its been over 60 days and failure to investigate the items within 30-60 days, gives a reason to immediately remove incorrect items from my report! I will be taking action