davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CT)

My loan, which was with XXXX transferred to XXXX XXXX. 
I was not made aware of this information. XXXX claims to have sent a notice in the mail, although I never received it. This event occurred on XXXX. 

I sent my regular loan payment via bank bill pay in both XXXX and XXXX and did not realize until mid XXXX that both payments were returned to the bank. 

When I called XXXX, after I insisted they do so they emailed me the letter of transfer I never received. 

I then learned the loan servicer was XXXX. I immediately called XXXX- and after an initial wait time of 30 minutes, I got a person on the phone who could not provide me with a new account number. 

I tried using the XXXX XXXX to set up an online account so I could review my statement and information with the new company. 

XXXX  could not provide me with an account number. 
I emailed the customer service 2 times in the past 24 hours and there was no response.

I called again and was placed on the call back list, after 30 minutes the automated system called me back and I finally got in touch with a person.

When I gave her my info, I was placed on hold again - for over 45 minutes! I actually saved the screen shot of the call.. No one ever picked up to help me again. 

So here I sit, almost 60 days since my last mortgage payment was made, and I don't have a new account number from XXXX  because I can not get an answer from them. I'm sure they will get in touch with me quickly when I'm " late '' on payments though and at that point I will refuse to pay any late payments to them. What a joke of a mortgage company. Days of chasing them down and no help, leaving me on hold for nearly an hour twice and not responding to emails.
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (CA)

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please repair and update this account ASAP.
Consumer complaint received 2020-06-09
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: EQUIFAX, INC. (LA)

i am a victim of identity theft i have fraud account on my credit report i have reached out to all 3 bureaus to have this matter resolved no results this has caused a lost of job and other issues please help
Consumer complaint received 2019-12-28
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Onity Group Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : 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, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-12-28
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: EQUIFAX, INC. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I made a complaint and told the company this is not my debt they insist on me paying for something I did not use. My auditor who was living in my household used my information to secure the debt and the police wouldnt help me.
Consumer complaint received 2019-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I am filing this complaint based on Capital Ones refusal to provide any consumer assistance or programs on my account due to Hardship. I was injured in XX/XX/2019 and required XXXX XXXX in XXXX. I have been on medical leave since XXXX as well as being denied XXXX benefits of which I am still fighting. Upon reaching out to Capital One on multiple occasions seeking assistance with my account which is now falling drastically past due, Capital One has been unreasonable and unwilling to provide any programs or assistance. I have not worked, nor am I cleared to return to work until I am fully healed and am unable to manage payment on this account.
Consumer complaint received 2019-12-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (FL)

AWA Collections was enlisted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX to collect charges of over {$500.00} for a root canal procedure. I was told I had to pay {$900.00} upfront to XXXX XXXX before they would perform a root canal procedure. This was performed by XXXX XXXX, XXXX. The office was to preauthorize this procedure which would have been covered by my dental insurance. They did not pre-authorize the procedure. After the procedure was done, XXXX XXXX sent me a bill, since the insurance company denied the claim because it was never preauthorized. The dentist had damaged over {$5000.00} of porcelain veneers on my front teeth when she smashed into my front tooth and broke off the bottom, then filed down the rest of my front teeth and she refused to take responsibility and admit she damaged the teeth. She put a yellowish/grey colored crown on the front tooth that didn't match the color of the other front teeth, after I told her she needed to use a lighter color. I went back at another appointment to have it replaced and after waiting 45 minutes, the receptionist told me the dentist wasn't there and I'd have to make another appointment. They have not contacted me to reschedule and have refused to replace the XXXX  with one that matched the other teeth. XXXX XXXX submitted bill of over {$500.00} to AWA collections, which it now over {$700.00} due to the collection agency continuously adding on fees every few weeks. XXXX XXXX should have written off any remaining amounts they claimed were owed, due to their error/incompetence of not pre-authorizing the procedure, and for the thousands of dollars of damage they did to my other teeth.
Consumer complaint received 2019-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAINE & WEINER COMPANY, INC. (PA)

I disputed 3 collections that was on my credit report. Within that month I decided to buy a house so I called XXXX  and XXXX  on XX/XX/19 to stop my disputes. It's been over 3 months and the dispute are still showing up on my credit. It's now XX/XX/19 my score dropped because every time my credit gets pulled for my loan the disputes show up. Today I called the debt collector Caine & Weiner Co and they told me either pay my debt or submit info about my dispute. I don't want to continue I want to stop any disputes.
Consumer complaint received 2023-01-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (ND)

I have a credit card with SYNCHRONY bank through Verizon that is now closed. I paid off the credit card back in XX/XX/2022, the payment was rejected, but when they told me, I paid the balance in full plus all leftover interest charges on XXXX, and then they did not update the payments made again in their own system, and didn't apply those payments to the XX/XX/2022 statement, and they did in fact receive payment, because it is even listed on another area of their site, but even stranger, is I can't find any record of the payment, and I checked my checking, business checking, XXXX card, both my XXXX XXXX credit card accounts, and I can't find it, but I know I paid it. This is exremely concerning, and extremely fraudulent. I talked to customer service and made sure that that would be my final payment, for sure, and it was confirmed that it would be, and they are still sending me emails!!! I just received a new bill from them by email XX/XX/XXXX! I've contacted Verizon about this multiple times.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I noticed a charge on my account. I reached out to the vendor listed to inquire about the charge. The vendor was " people finders '' an online data collection group. I also went online to see if I could locate an account with them, and there was no established account. I then called the vendor and explained the situation and asked that any information shared to investigate not be entered into their system. The operator hung up on me. Thinking this was an accident I called back and the same happened. 

I then went on to my BoA mobile account to try and dispute the charge. The only option was to cancel the card. I thought this was unusual as other financial institutions offer other remedies for problems. I called and explained the situation to the customer service representative. While he was very understanding he said the only thing he could do was cancel the card. I told him that this would be inconvenient, and others offer a refund of the funds and a block on that vendor moving forward. He said he could place a block on the vendor moving forward but could not refund my money. I asked to speak with a supervisor to explore other options. The gentleman was kind and move to the next level. I spoke to the supervisor and she said this " was the best option '', so I asked what were the other " less desirable '' options. She told me there were none and that the choice was made in the interest of the bank. I told her as a loyal customer ( over XXXX years ) I would hope they would make decisions based on what was in the best interest of the consumer as well. I then asked to file a formal complaint and was told that the customer service rep would " file it on my behalf ''. I then asked to receive a copy of the formal complaint. I was told that was not possible. I asked her to speak with her supervisor. I was told she was unavailable and she would call me back. The supervisor did call me back and told me I could receive information on a complaint and follow-up and apologized for not being offered that option. I asked again if there was any option that could be explored to refund my money without canceling my card. Again I was told to protect the bank this was the only option. She then described that even with a stop payment request on my account I may still be charged as it is an issue with XXXX. Then I asked why that option is offered and that was meant with silence. When I asked how much money does BoA lose every year from this glitch between XXXX and BoA, she was unable to answer that question. I thanked her and ended the call.
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-12-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (VA)

I have an account with Midland Credit Management, they are handling an old credit card that I had through XXXX. I went to make my monthly payment online and the XXXX system was down. I tried again the same day to make the payment online and was able to do so. However, I received a late fee. I disputed this fee but XXXX would not removed the fee. I refused to pay the fee due to this not being my fault. The fee 's kept building there after. Midland Credit Management took over my account and I disputed this charges once again. I then received a warrant in debt from Midland where I had to appear in court. I paid the account off in advance just to not have to go to court and possibly jeopardize my job. I stated that I disputed my account before the lawsuit, how could they sue me? I have paperwork showing that my account balance in {$0.00}. I just got a statement from Midland Credit Management stating that I owe them {$120.00}. Nobody with MCM can tell me anything about this debt owed now. I have paid all debts, I don't understand how you can sue someone if they are disputing the account and fee 's and the company wont even take a look at the account. I have suffered tremendously because of this company. They have put my job in jeopardy, caused unwanted stress, ruined my XXXX, and yet I cant even get help or an answer from this company.
Consumer complaint received 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was recently rejected for employment I'm assuming for the following reasons. ( please see attachment for further details ). 

Because of the multiple inaccuracies and violations on my credit report my recent employment application was denied for adverse action. This is the 4th time this has happened because of the multiple inaccuracies mentioned in my credit profile. 

( XXXX XXXX XXXX XXXX ) currently reports Unverifiable account balance & reaged account. A violation ( XXXX XXXX XXXX ) / XXXX XXXX XXXX  ; This balance is inconsistent but also Unverifiable, and inaccurate. A violation ( XXXX XXXX XXXX ) does not reports first date of delinquency a violation. 

( XXXX XXXX ) unknown account, Unverifiable ; violation ( XXXX ) -unknown account Unverifiable ; violation ( XXXX XXXX XXXX ) first date of delinquency not reported, last payment not reported correctly. Violation
Consumer complaint received 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC. (NC)

On about XX/XX/2019, ,I Applied For A Personal Loan Again And Was Denied For The 20Th Time, ,I Really Don't Understand Why I Keep Getting Denied,,?? Yes Did Send Me A Credit Report Of The Agency To Contact But When I Call These Companies They Would Not Give Much Help,, Concerning These Matters, ,I 'm Very Disappointed About This Matter, And XXXX XXXX haven't Not Did They Job, ,Now I Have Complained About This Problem Before And Still No Help, ,Now I Know Do Some Type Of GOOD Credit To Be Able To Receive A Personal Loan, ,What Happened To My Credit?? That Is The BIG Question?? I'm Starting To Believe This A Form Of ( DISCRIMINATION )!!!!, ,How Can This Company Get Away With This Matter,!!!! My Opinion I Really Think This Company Is Responsible For Fixing This Matter, ,This Very UnAcceptable!!!
Consumer complaint received 2019-12-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX I received a loan via capital one bank through a used car dealership in XXXX XXXX, XXXX, NY. The vehicle was fraudulently sold to me as it was flood vehicle. The vehicle also fell under the XXXX recall between XXXX. Capital one was aware of these activities and their offices reached out to me to investigate the sale of the vehicle. A representative insisted that she would follow up with me and never did. The car was not able to be used, I could not make the payments and ultimately it was repossessed. But because it was a flood vehicle and under a recall my presumption is that it was eventually demolished. The remaining balance of {$12000.00} has stayed in my credit report and no one from capital one followed up with me. I did reach out to the credit bureaus who have adjusted the deletion date of the auto loan to me XX/XX/XXXX at the earliest, but it is still hurting my credit and hindering my family from moving forward in other important endeavors.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MA)

I opened a previous dispute about a collections from " XXXX XXXX XXXX '' for a collection of {$780.00}, original creditor was XXXX XXXX. The debt was not mine and was proved to not be mine and was to be removed. Both the credit reporting agencies and CFPB showed that it was an error and said it was to be removed. The debt is still being shown on my Experian, XXXX, and XXXX  reports however. In the case of XXXX, the " XXXX XXXX XXXX '' collection was removed the same day a new collection account with the same open date and same amount due was opened on my XXXX  account. I now have a new collections which says the original creditor is " Collection '' with the same amount owed {$780.00} and the same opened date of XX/XX/2018. The collection company appears to be either not removing the account or in the case of XXXX  they have moved the collection to another company name so they can reinstate it on my credit report. I'm applying for a mortgage shortly and can't keep fighting ( this is the fourth time ) to keep this charge off of my accounts. As soon as I have them removed by XXXX, XXXX, or Experian they are put back on again a few days or months later until a different collections name. If it can't be stopped permanently I'll need to file a lawsuit against the holding company. Please help before it gets that far.
Consumer complaint received 2019-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One denied an application dated XX/XX/19 that I never even applied for this account and it says I have to wait 90 days to reapply. But I never even applied. 

Application ID : XXXX
Consumer complaint received 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (MN)

I contacted the company on XX/XX/2019 to request a copy of my credit score through them and my credit report. The website indicates I will receive this information within 7 business days by first class mail. The credit score arrived at the end of XXXX ( XX/XX/2019 ) and the credit report has not yet arrived. The reasons listed for a " low score '' include limited history at phone number - which has been the same phone number for over 15 years. I have requested another copy of my report and have not yet received it.
Consumer complaint received 2020-02-07
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 car broke down and I needed a new car to get to work and back home. I went to the dealership to shop around for a car. Before I could make any purchase I had to get my credit report pulled. While they pulled my report I was told that I would have a high interest rate due to multiple things listed on my report that did not belong to me. Could these items listed below please be removed from my report. 

COLLECTIONS XXXX XXXX XXXX XXXX XXXX {$67.00} COLLECTIONS XXXX , XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2019-12-28
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. (LA)

I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief.
Consumer complaint received 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief.
Consumer complaint received 2019-12-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (TX)

They have been adding extra fees for attorney 's and court cost. I owed {$2000.00} but that has increased because of the people they send to harass me and my family by leaving notices taped to my front door and also, approaching my daughter when she is heading into work.I am shocked that they can go this far to collect old debit that goes back to 2016. I did settled with one of the card company 's but now I'm receiving lawsuits left and right from others.