davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

On XX/XX/2021 I made my monthly XXXX Mortgage payment of {$370.00} to Select Portfolio Servicing. This payment was not due till XX/XX/2021. On XX/XX/2021, I logged in to make my 1st Mortgage payment and noticed that the XXXX payment had not been applied. I called SPS multiple times on XX/XX/2021, XX/XX/2021 and XX/XX/2021. On XX/XX/2021, I was concerned that they were going to charge me late fees, so I logged in and paid the XXXX payment again. I also uploaded an image of the statement requesting correction in their documents section. That document has since been removed from my account and the XXXX payment still has not been applied as a regular monthly payment to my account. Each time I call they assure me that it will be " done by Monday ''. They applied it as an extra payment even though I marked it online as my regular monthly payment ( the default selection ). I should be paid up till XX/XX/2021 and they were showing due date of XX/XX/2021 until I filed a complaint with the BBB. Now they show that I am past due for XX/XX/2021 and haven't made the XX/XX/2021 payment either. Our loans were written off in chapter XXXX so, I am concerned that they could try to take my home since the payments are showing past due. I have called on XX/XX/2021 after filing the XXXX complaint and spoke with manager XXXX. He assured me it would be completed " within 24 hours ''. It is still not corrected.
Consumer complaint received 2021-10-07
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. (AL)

Auto loan with XXXX XXXX 2 late payments were reported on XX/XX/XXXX and XX/XX/XXXX I have reached out to all three credit bureaus to have late accounts updated to current with no late payment due to COVID-19 related issue with no success.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit report. Despite multiple attempts to dispute and remove these fraudulent items, they persist on my credit report, causing me significant financial harm and emotional distress. I would like to provide a brief overview of my efforts to address this matter : I first became aware of the fraudulent items on my credit report. I promptly reported the fraudulent activity to your credit reporting agency and initiated disputes for each of the fraudulent accounts. 
Subsequently, I have made several attempts to dispute these fraudulent items by providing all necessary documentation and evidence to support my claims. I have also been in continuous communication with the creditors associated with these fraudulent accounts to resolve the issue. Despite my commitment to resolving this matter, the fraudulent items continue to appear on my credit report, and they have not been removed, updated, or properly investigated by your agency or the creditors involved. These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected timely resolution and accurate reporting of my credit history. I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Additionally, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future occurrences of fraud on credit reports. I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove the following fraud items in my credit report : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$4000.00} ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$4000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-10-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Sunbit, Inc. (IL)

I needed car repairs and went to the dealership to have those taken care of. On XX/XX/2021 the repairs were completed and I began to finance the repairs. They offer financing through a company called Sunbit. I was accidentally signed up for a six month loan in place of the 12 month that I wanted. I called over to Sunbit the next morning to get the terms changed to the one I intended to sign up for. For reasons that remain unclear, I needed to have the dealership where I got the repairs done to cancel the contract to resign under the terms I desired. After the dealership sent over the new forms ( which are all done through a link sent to my phone number ), I attempted to sign up for the 12 month plan. Each and every time I tried, the contract would show a six month payment schedule instead of the one I had intended to sign up for. On XX/XX/2021 I called Sunbit again and the solution to the changing loan terms was to send over another prequalification link, and have the dealership send over another link to try and receive the loan I intended to sign up for. The same issue occurred. After a third round of calls between myself, Sunbit, and the dealership a supervisor finally was able to sign me up for the terms I wanted. While this is the resolution I desired it took several hours of phone calls between my calls with the dealership, my calls with Sunbit, and the dealerships calls with Sunbit. Having both dealt with other loan companies ( including a concurrent issue with my husband 's car loan ) and conversations with others I feel this is an unfair practice, especially since the terms of the loan are not made explicit on the page you sign, and instead buried in the loan agreement.
Consumer complaint received 2021-10-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Credit bureaus should be ashamed of themselves because all these negative accounts thats being reported on my credit report is absolutely insane and they are completely FALSE and just not right!!! i cant even get approved for a car or mortgage for myself cause of these inaccurate accounts thats being reported. Im XXXX  in 3 months and I cant get my child a house because of these ridiculous accounts thats being reflected on my credit report. I sent them certified letters on XX/XX/2021 to make sure they get my letters. Im also going to attach my return receipts and proof of my Identity along with my letters because these credit bureaus are not doing there job. I want these accounts removed immediately because they are incorrect!
Consumer complaint received 2021-10-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I sent a letter regarding inaccurate info and unknown things being on my credit report 60 days ago.I have not received as reposnse yet and seems as if my disputes being ignored
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: High Performance Capital (NV)

Good Morning, This complaint is due to XXXX reporting inaccurate/false information on my credit report. I reviewed my account for High Performance Capital. XXXX has incorrect information reporting that my car was repossessed, late and foreclosure form XXXX XXXX XX/XX/2020. This is not true. The vehicle was in my possession this entire time. So a car can not be repossessed if I still have it. Also the late payments are inaccurate. Company can only report a late payment once the payment is 30 days past due. This did not happen with my account. 
I have been in contact with High Performance Capital and they as well have stated on CFPG under the case filed against them that they will have information updated as I have requested. XXXX still has not removed this inaccurate information from my credit profile. This false reporting is hurting my credit and defamation. 
I will attach screenshot of my payment to HPC and the correspondence from the liason and representative for them. XXXX please remove these false inaccuracies from my account. 

i have attached screenshots of correspondence of emails and payment profile from HPC. Also them mentioning reporting to XXXX
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK (TX)

I've been a discover customer since XXXX. Every year they increase my interest rate on my credit card making it impossible to pay off. I started with a XXXX XXXX interest rate and now it's up to XXXX XXXX. I called them on XX/XX/XXXX and an automated system just told me they couldn't do anything about my rate.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

i have asked XXXX, XXXX AND EXPERIAN to provide proof of the late payments that are currently reporting on my current credit reporting. i have never been late as a matter of fact all my payments comes out automatically ACH from my checking account. i have reached out to the creditors as well and they keep telling me that they will investagate the issue, however they never get back with me as well.
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I dont have exact dates because i have requested for months my staements i cant evem see the transactions no statements are mailef anf for months i wasnt able to even log in! y account due to hacking of my account, i have called and emailec customer support too many times to count asking for statements XXXX they told me they would be sent but have not recevied
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

I am writing to express my frustration and disappointment with the numerous attempts to correct the late open account associated with my account. Despite my repeated efforts to resolve this issue, it persists, causing significant inconvenience and concern. 

As a loyal customer, I expect timely and efficient resolution of any issues related to my account. The repeated failure to address this matter reflects poorly on your company 's commitment to customer service and satisfaction. 

I urge you to prioritize this issue and take immediate and effective action to correct the late open account. Additionally, I request a thorough review of your internal processes to identify the root cause of this recurring problem and implement measures to prevent similar occurrences in the future. 

Furthermore, I believe it is only fair to receive compensation for the inconvenience and stress caused by the prolonged delay in resolving this issue. I trust that you will address this matter promptly and provide me with a satisfactory resolution. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXXXXXX Balance : {$900.00}.
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE (CT)

I had an XXXX Visa card with XXXX XXXX. On XX/XX/2021 the account was changed over to Barclays Bank. 
On or about XX/XX/2021 I received a mailing from Barclays explaining the change from XXXX to Barclays. 
I never received a replacement card from Barclays. I attempted to call them twice during regular business hours, but never got to speak to anyone. I was on hold for a little over one hour each time. The automated menu had a selection for " lost or stolen card ''. After choosing that I was put on hold indefinitely. 
I have never received a statement from Barclays since the XX/XX/2021 change. They have my address. 
I had a recurring charge I had established through XXXX that I keep getting charged for. I don't know whether I am being charged for other charges. 
I do not know my credit card number with Barclays. I do not know what I am being charged for on my account. 
When visiting the Barclays website, I can not sign in. The site just wants me to activate my card. I don't have a card to activate.
Consumer complaint received 2021-10-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have reach out to Transunion, XXXX, XXXX to investigate the public records each has listed on my credit reports. This items was not reported to the credit bureaus from the original creditors and therefore was not verified through any investigation. I submitted documentation to each of the credit bureaus from the courts stating they DO NOT report to any credit bureaus. 

I've submitted several claims. The last communication was received on XX/XX/21 and the letter I received from them was dated XX/XX/21. Verifying that they verified the claim with the original creditor. I reached out to them to ask whom they spoke with, the persons job title, and phone number they used to contact the Courts and was not provided any of the requested information. 

The credit bureau has been evasive on providing information in regards to their investigating.
Consumer complaint received 2021-10-08
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. (GA)

I went to my credit union to apply for an auto loan and was approved with a high interest rate. I ask them why was my interest rate so high and they said because of my credit. Now I dont check my credit everyday but I know that my scores were above 700 and has been that way for the past 20 years. I went home and took a look at my credit on the XXXX XXXX thingy and I see several accounts on here that are not mine XXXX, XXXX XXXX XXXX, XXXX. I also see several student loans on there that are not mine. Now that really was the red flag because I didnt even graduate from high school so how is that possible. The last thing I see are lots of Inquires that are not mine XXXX-XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX Card, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. I also filed a complaint with the FTC and my police station here. I am doing this on my own and need someone help with this.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXXXXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$19000.00} XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$560.00} XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX Balance Owed : {$0.00}.
Consumer complaint received 2021-10-08
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. (KY)

I am a victim of identity theft and I have filed a complaint with the Federal Trade Comission. XXXX, XXXX and Experian are reporting fraudulent unauthorized accounts on my credit file that are violating my consumer rights and damaging my reputation. I have reported these accounts fraudulent to the companies that are appearing on my credit file as well. I have filled multiple complaints and I am not getting a response in my favor. I have attached all of the following documentation that prove these are fraudulent accounts and need to be removed from my credit file immediately. 
The following accounts are listed below : 1 ) XXXX 2 ) XXXX  XXXX
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

XXXX XXXX is not reporting my mortgage to the credit reporting companies. Mortgage co now states because I filed bankruptcy back in 2005 and did not claim my mortgage to not be a part of the bankruptcy, is why they do not report my mortgage. however, i am attached proof of my property being exempt from the bankruptcy. in addition to the proof from being exempt, I also have a letter from XXXX stating this was their mistake and they are correcting it and going to start reporting it to the credit bureaus
Consumer complaint received 2021-10-07
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. (AL)

I have sent numerours letters to the bureaus and usually there is no response. I did receive something stating that items were verified. I have sent another letter like the burueas asked me to do to get this inaccurate information off of my report. I also wanted to know how this information was verified because none of the creditors were able to furnish me with the information. It seems if I owe a debt they would send me proof but for some reason they don't have it. I would like this negative information remove from my credit ASAP.
Consumer complaint received 2021-06-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

PLEASE HELP! I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 62 days and I have not received a repsonse. I did some research on the internet and and i read that the credit bureaus have 30 days to reply back and they have not. From what I read these accounts must be removed. PLEASE HELP!
Consumer complaint received 2021-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NJ)

After my social security card was lost I had my identity stolen and a number of accounts were opened fraudulently. One of them is an account with Express. This debt has been purchased by XXXX XXXX XXXX. I do not know how much the debt is for the account was opened by someone else and this is a case of identity theft.
Consumer complaint received 2021-10-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (CA)

I was involved in a motor vehicle accident on XX/XX/2021 that resulted in the total loss of my vehicle that was financed by Ally Financial Inc. My insurance company, XXXX XXXX provided a check for the full payoff amount of {$1300.00} to Ally and mailed it on XX/XX/2021. By XX/XX/2021 Ally began calling me sometimes 3-5 times a day pushing me to go to XXXX XXXX and electronically transfer them my regular monthly payment of {$170.00} plus approximately {$5.00} in late fees. I explained to them that XXXX confirmed someone at Ally Financial cashed the check on XX/XX/2021 and when I attempted to provide them with the check number they admitted they did in fact have the check information and they admitted to cashing the check but stated that they could not update my account because " their bank had not yet released the funds ''. This was per a conversation with them approximately 2 weeks after they had cashed the check. Once I found out that they did in fact have the check I told them that from now on they could speak with my lawyer who is currently representing me in my injury claim and provided them with my lawyer 's number. At that point my lawyer agreed to also send them a cease and desist letter that was sent on XX/XX/2021. However, now, when they call my lawyer and they find out who they are speaking with they immediately hang up and refuse to speak with them. As of today, Ally is now also calling my family members multiple times a day and asking them to contact me even though they know who they are supposed to speak with.