davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

loans were paid in full on consolidation with phea/aes also reported on credit report three times same loan paid loan on XX/XX/2018  and still on report as not paid. I tried calling to get matter resolved no help what so ever very disrespectful staff and management
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: ACCEPTANCE CAPITAL MORTGAGE (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX 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 2019-12-13
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: AmerAssist A/R Solutions, Inc. (CA)

There is an unknown collections being reported to multiple credit bureaus from a company called AMERASSIST AR SOLUTIONS. I have not applied for any credit with this company or got any services from them. I believe this maybe a mixup or I may have been a victim of identity theft. I request to please have this removed from my credit report.
Consumer complaint received 2022-05-27
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. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST COMMUNITY MORTGAGE, INC. (AL)

I entered into a mortgage with First Community Mortgage also known as " AKA FCM '' on XXXX, XXXX. XXXX. My payment was {$600.00} which I paid until XXXX of XXXX. At the end of XX/XX/XXXX I received a statement from FCM stating my mortgage payment would be {$620.00} due to escrow. I contacted my insurance company to find out if my insurance went up. I was told NO that actually it went down {$68.00}. I then called XXXX XXXX Al. to find out if my taxes had gone up. I was told no that because i was XXXX I was tax exempt. I called the mortgage company in XXXX and told them that I was tax Exempt. And XXXX XXXX Al. attempted on 3 occasions to send FCM the verification of the tax exemption. On the 3rd time via a fax number XXXX XXXX was finally able to reach the tax dept for FCM. I have paid {$620.00} XXXX, XXXX, XXXX. I received a notice that my payment had been reduced to {$570.00} after I had made the XXXX payment. Since I received the notice that my mortgage was reduced due to being tax exempt I have asked to be reimbursed the over payment amount and they have refused stating any over payment i made was applied to principle which is not true for XXXX or XXXX. On my statement with a payment date of XXXX XXXX Is the first time Ive seen a '' PRINCIPLE CURTAILMENT '' in the amount of XXXX. I did not ask that {$49.00} overpayment for XXXX to be applied to principle, nor have I asked that any additional money I was told I HAD to pay be applied to anything. Ive ask for a refund. I have been asking for all overpayments to be sent back to me since XXXX. They did send a check to me for XXXX XX/XX/XXXX stating that was from overage from escrow account. This does not address the overpayment amounts. I am a older XXXX woman I live on a budget XXXX a month is a lot of money. I need help. I have documents. I can send but dont know how to upload. Please respond. XXXX phone number XXXX. Thank You
Consumer complaint received 2022-05-27
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-27
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX account Account number XXXX Balance of {$1500.00} I did not authorize this account and I did not authorize charges accumulated This account needs to be remove from my credit file immediately Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 15 U.S. Code 1681C-2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft
Consumer complaint received 2019-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Online I notified the Bank of America that there was a fraudulent charge on my card I didnt realize that I was also asking the Bank of America to close my account resulting in the loss of my earned points
Consumer complaint received 2022-05-27
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)

My XXXX credit card payments been set up to automatically draft from my XXXX  checking account since XXXX. I noticed the XX/XX/XXXX payment had not post. I contacted XXXX immediately on Monday XX/XX/XXXX. I spoke with a rep she apologized there was a XXXX system failure. She reversed the late fees and posted the payment from my checking. She verified future auto payments were not affected beginning XX/XX/XXXX. On XX/XX/XXXX I receya credit alert had taken place on my bureau files indicating a late payment from my XXXX  as well as ovet limit after the representative had told me correcting their system area i am not over the limit. This XXXX point dip in my score is causing me significant harm in the middle my home mortgage purchase and closing. I contacted a credit card department manager XXXX at XXXX. She can not reach out to the credit bureau to have this removed nor can she draft a letter stating in the history of my account, for this XX/XX/XXXX payment I have never been late since XXXX or over my limit. She was dismissive and the most deplorable experience since having a relationship with this bank since XXXX.
Consumer complaint received 2022-05-27
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: EQUIFAX, INC. (FL)

My XXXX credit card payments been set up to automatically draft from my XXXX  checking account since XXXX. I noticed the XX/XX/XXXX payment had not post. I contacted XXXX immediately on Monday XX/XX/XXXX. I spoke with a rep she apologized there was a XXXX system failure. She reversed the late fees and posted the payment from my checking. She verified future auto payments were not affected beginning XX/XX/XXXX. On XX/XX/XXXX I receya credit alert had taken place on my bureau files indicating a late payment from my XXXX as well as ovet limit after the representative had told me correcting their system area i am not over the limit. This XXXX point dip in my score is causing me significant harm in the middle my home mortgage purchase and closing. I contacted a credit card department manager XXXX at XXXX. She can not reach out to the credit bureau to have this removed nor can she draft a letter stating in the history of my account, for this XX/XX/XXXX payment I have never been late since XXXX or over my limit. She was dismissive and the most deplorable experience since having a relationship with this bank since XXXX.
Consumer complaint received 2022-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My XXXX credit card payments been set up to automatically draft from my XXXX  checking account since XXXX. I noticed the XX/XX/XXXX payment had not post. I contacted XXXX immediately on Monday XX/XX/XXXX. I spoke with a rep she apologized there was a XXXX system failure. She reversed the late fees and posted the payment from my checking. She verified future auto payments were not affected beginning XX/XX/XXXX. On XX/XX/XXXX I receya credit alert had taken place on my bureau files indicating a late payment from my XXXX as well as ovet limit after the representative had told me correcting their system area i am not over the limit. This XXXX point dip in my score is causing me significant harm in the middle my home mortgage purchase and closing. I contacted a credit card department manager XXXX at XXXX. She can not reach out to the credit bureau to have this removed nor can she draft a letter stating in the history of my account, for this XX/XX/XXXX payment I have never been late since XXXX or over my limit. She was dismissive and the most deplorable experience since having a relationship with this bank since XXXX.
Consumer complaint received 2022-05-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (TX)

I have a Venmo account that Ive only used twice in the three years Ive had it. 18 months ago they made an accounting error and stated I owed them XXXX XXXX After dozens of calls and proving records they finally fixed my account a month ago and instead of me owing them {$230.00}. There is a credit balance Id {$61.00}. Ive tied repeatedly to obtain those funds and close the account but they will not allow me to take possession of my credit balance as they have my account locked saying I need to provide them my identification and Ive now supplied that twice. They are now telling me that can not verify that Im the owner of the account even after Ive sent my drivers license, validated my phone number, email, address, date of birth, address and last four of my bank account attached to the account ( none of which has changed since inception of this account.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report.

As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done.

I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action.

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

This account is by XXXX XXXX, This was identity theft There are several issues on reporting - This account was removed as identity theft, somehow reinstated a 5 days reinsertion letter was never sent, by law this has to be removed from my report- Experian is the only credit reporting agency that is reporting this debt. IF all bureaus verify this information and the same information =, how did XXXX and XXXX remove this as fraud but not Experian, however Experian can not tell me how this was verified, who they spoke to. Especially since I possess a letter that states it was fraud from 6 years ago, this letter has been sent to Experian that is why it was removed and they are refusing- BY law I should be told how this was verified, who they spoke to the number that was called and a reference number. I have requested this 10 times and received nothing - How is this reporting as an active account when it was charged off, If this account is charged off, it should not have a balance, if it was charged off and not reporting monthly. This is not reporting correctly and hence i want it deleted NOW They are not doing anything correct but you keep allowing then to report incorrectly.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is no Signed Legal contract between myself and the XXXX has falsely added this information to my credit reports. There are no Signed XXXX between myself and them. Therefore these false information should be removed from my credit reports immediately
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have 2 Capital One credit cards, today I closed the platinum card resulting from multiple charges from the same creditor, XXXX XXXXXXXX XXXX. This XXXX charged my original card number twice which I reported to Capital One and they were supposed to block XXXX from future charges to my new card number. Then I was charged again 3 weeks after activation of the new card, I called Capital One again and again they said the same thing and resent another new card. Now 2 months later and again XXXX has another charge pending on my account. I called Capital One and closed this account! There needs to be some major reprocussions to stop this. Currently my quicksilver card is still active until it gets hit with fraud, I've had this account to rebuild my credit after a bankruptcy. I fully believe Capital One is responsible for giving my information out for profit!!!
Consumer complaint received 2019-12-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BOK FINANCIAL CORP (OK)

I missed 2 pmts XXXX and XX/XX/2018. Started trying to contact BOK to set up a repayment plan on 2 missed pmts never got through on the phone. Filled out paperwork and waited to hear from them never did. When my call finally went through was told they were not accepting mail from me any received would be returned and they were mot to talk to me cause my house was in foreclosure. First I heard of this. This has been on going since then. I do not understand why they refuse to work with me. The only reason I know about the sale date is my son looked it up on the computer. There is not enough room to write all the wrong doings they have done to me and now kick us out a week before XXXX that in itself is wrong. I know it's too late for me but hopefully this keeps them from doing this to somebody else. It should have never gotten to this point. They haven't responded to my request for a payoff amount or a reinstatement amount. How they treat people is wrong and is wearing on my stress and mental levels.
Consumer complaint received 2022-05-27
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. (NV)

According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below. Account is still showing an outstanding balance. This is now a XXXX balance account since there was a settlement reached and it was paid in full for the discussed amount. Due to XXXX failure to update in a timely manner this account is to be removed completely from my reports.