davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

After contact the credit bureau to get my credit report updated on XXXX XXXX XXXX XXXX, the credit bureau said everything is being reported correct. 
I filed with XXXX XXXX XXXX XXXX that responded the credit bureau is refusing to updated the information sent every month because of not accepting my name ( legal discriminations on by view ), in attach is the XXXX XXXX XXXX response where is wirten the credit bureau are solo responsible for not having my credit updated correctly. 
What intrigues me is that my name is accepted for hard inquiry but not for the monthly payment report, again I feel like discrimination.
Consumer complaint received 2020-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (TX)

I open a new account with Discover card, I was offered a balance tranfer promotion of 14 mo at 0 % ; but was never disclosed a {$69.00} transfer fee. I want the charged removed. I called Discover and was disconnected twice and had to start allover again and was transferred several times and waited for periods of time until I was told someone will call me back, but not sure when (? ). Almost 2 hrs on the phone and no resolution. Throughout the calls and several phone transfers I was told that Discover doesn't refund transfer fees and that they needed to listen to the call, this is a scam and shady business practices. The information on this charge is not disclosed upfront. There was no resolution at all, just pushing me around and on hold for long periods of time.
Consumer complaint received 2023-01-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST NATIONAL BANK OF OMAHA (GA)

I have attempted to contact this company several times about this debt in the amount of XXXX  but the correct amount is XXXXXXXX. I spoke with someone and they advised they could not show payment history due to it being charged off but are still collecting funds without third party. I have contacted the 3 credit bureaus and they have been unsuccessful with getting this debt removed or corrected.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (WI)

My credit score is lower then should be due to " too many inquiries '' per XXXX XXXX : I see that Discover financial inquired on my credit report on XXXX XXXX, 2019 : this inquiry is improper as no reason to inquire. 

I request to investigate and remove that inquiry from my report.
Consumer complaint received 2020-06-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Cottonwood Financial Ltd. (TX)

On XXXX received a call from the Cash store manager my pymt was due. I paid via Debit card on the phone. The payment of {$230.00} didn't process because of an error on the store computer. The manager asked for the card # a second time and I suggested since the first one didn't go thru take out {$260.00} because I always pay more than the amt due. On XXXX I checked my bank acct on line and two payments were pending, so I called The Cash Store and informed the Manager of the mistake. She called the regional manager and informed me when the transactions POST to bring in the transaction history/stmt.. The payments posted on XXXX and I took the copy from my bank showing the name of the bank and the last four digits of the bank acct to their store. I was told if I brought that info in I would be reimbursed in cash @ the store and could put the money back in my acct. The employee faxed or emailed the copy to the Regional Manager on Saturday who works out of her home and I was told to check back Monday XXXX. This morning when I called the employee said the regional manager hadn't gotten back to her. 
It is now after XXXX XXXX CST and every time I call-still waiting for the Regional manager. These two amts were over {$200.00} each and I have other bills pending I need to pay for this month. I never received a RECEIPT via emailed as requested by me. I only have one payment left on the contract and it is due in XXXX. I can not afford for them to keep the extra money this month. I AM NEVER LATE AND PAY MORE THAN THE AMT DUE. I AM A GOOD CUSTOMER and should not be treated like a second -class citizen. If they are going to reverse the payment of XXXX, they should let me know something or if I get the cash I can put it back in the acct myself. I THINK WHAT THEY DID TO ME IS HEARTLESS AND CRUEL! I will eat bread and water before I do business with them again. I am a retired XXXX Citizen on a fixed income and they are ignoring me. 

Thanks, XXXX
Consumer complaint received 2020-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (SC)

Recently, all of my remaining student loans went into FORBEARANCE, which I did NOT request. I am totally aware this is due to the current COVID-19 situation, and I appreciate that this is helping those who are struggling ; however, I am actually quite fortunate right now *knocks on wood* and would much rather continue to pay. 

The 0 % interest rate is great though ; I am certainly not complaining about that. 

I contacted MyFedLoan, and they said they would fix it, but that has not happened. 

1. I certainly do NOT want FORBEARANCE mentioned on any of my credit reports ; being my FICO score is 830+, it would make me look risky as if I could not afford my {$200.00} ish payment, which is not a problem for me whatsoever. 

2. The loans without forbearance with regular on-time payments are scheduled to be paid in-full by me at or about the end of XXXX, and with FORBEARANCE this will either extend them into XXXX or make a lump-sum due neither of which I really desire. 

Background information : I am nine ( 9 ) years into re-payment having never been late and never missed a payment. I actually have enough to pay all 5 of the loans off in-full, but I would rather keep paying as I was paying before COVID-19.

I DO want to keep the 0 % though.
Consumer complaint received 2022-04-12
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 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 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 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 .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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2020-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I receive collection notice from ARS ACCOUNT RESOLUTION in which i have never done business the original creditors is listed has ARS ACCOUNT RESOLUTION which i have never done business has well i receive a letter from XXXX XXXX XXXX, XXXX with copy of bill from ARS ACCOUNT RESOLUTION which does not validated a copy of bill does not substantiate debt
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WI)

I have a BestBuy credit card through Citibank. About a month ago I tried to setup online banking. For some reason there was an error. I contacted support and spent over XXXX minutes on the phone with different levels of their customer service. No solution could be resolved and I was told I would be called back. I provided my number and was never contacted back. 

Today, I tried making a payment which usually is simple over the over the phone. But it sent me right to customer support. Where I was told I was supposed to receive a confirmation code or something along those lines. Which I never did in the past month. 
So I was unable to pay my minimum. So I will be charged interest and a hefty late fee now. 

The customer service seemed incompetent when I talked to them about the issue. I can barely hear them when I call and I have trouble understanding them too. I tried calling Citibank directly but that lead to a dead end. 

At this point I just want this credit resolved so I never have to deal with this support or bestbuy/citi bank again. I've over an hour and a half of my time trying to solve something that seems to be simple. 

Thank you for your time and I look forward to hearing back.
Consumer complaint received 2020-04-14
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. (NJ)

I AM FURIOUS WITH THE 2 CREDIT REPORTING AGENCIES TRANSUNION AND XXXX AND THE 3 COMPANIES WHO ARE IGNORING MY REQUEST FOR REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. ITS BEEN OVER 1 MONTH AND IT IS STILL IN PENDING STATUS, BY LAW IF THEY CAN NOT PROVE THAT THIS IS MY ACCOUNT THEY MUST REMOVE IT FROM MY CREDIT REPORT, THEY CAN NOT SAY THAT WE HAVE NOT COMPLETED OUR INVESTIGATION AND IT CAN TAKE OVER 60+ DAYS. THEY MUST GIVE THE 3 CREDIT BUREAUS *******COMPLETED***** INVESTIGATION RESULTS, NOT GIVE THEM INCORRECT INFORMATION OF THE ACCOUNTS BEING VALID, WHEN THEY HAVE NOT EVEN CONCLUDED THEIR INVESTIGATION!!!! THEY HAVE NO SOLID VIABLE EVIDENCE THAT THEY CAN USE, SENDING ME CREDIT CARD STATEMENTS IS NOT PROVING THAT THOSE ACCOUNTS BELONGED TO ME!!!!! I WILL NOT BE RESPONSIBLE FOR FRAUDULENT ACTIVITY THAT WAS NOT DONE BY ME!!!!!! ABSOLUTELY RIDICULOUS CUSTOMER SERVICE, THIS IS MY FINAL ATTEMPT TO SEEK HELP FROM YOU SO THEY BOTH REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. XXXX WAS AMAZING AND THEY REMOVED THE FRAUDULENT ACCOUNTS IN A TIMELY FASHION, ON THE OTHER HAND XXXX   AND TRANSUNION BOTH ARE NOT REMOVING THE ACCOUNTS. I AM REPORTING THE 2 CREDIT REPORTING AGENCIES TRANSUNION AND XXXX  AS WELL AS THE 3 LENDORS WHO ARE REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT, THEY HAVE RECIEVED MY FEDERAL TRADE COMMISSION REPORT.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IA)

The following credit inquiries currently listed on my XXXX XXXX, Experian, and XXXX credit report are unauthorized and not my credit inquiries : 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
Consumer complaint received 2020-04-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

I am having issues with New Rez Mortgage group. My mortgage was bought by New Rez from XXXX XXXX XXXX in XXXX. In XXXX I received a call from the county in which I lived, stating that I had not paid my property taxes. I went to my new mortgage company ( New Rez ) and explained to them that I pay my taxes every month with my house payment and they in turn payed my taxes. On Monday XX/XX/XXXX I went to pay my mortgage and it increased from {$1400.00} to {$1600.00} which is a {$190.00} difference. I contacted New Rez and they are telling that I was issued a check out of my escrow on XX/XX/XXXX in the amount of {$1100.00} which I was. I immediately called them and told them that I received funds and asked why. They told me that I had over paid my escrow account and that no other action needed to be taking ( i was told this phone call was recorded ). Fast forward to XX/XX/XXXX and they are now telling me I owe this money back. Again which is fine I understand, I offered to pay the total amount back on XX/XX/XXXX to get my payment back to the original amount and they are now telling me that I owe {$2000.00} to get my escrow back to the correct amount. I don't know where the extra money is coming from and find it hard to believe anything anyone there says. I do not want to pay my mortgage until this issue is resolved in fear that if I pay it, it will seem as if I agree with what is going on. I have never experienced this with any mortgage company in the past.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692E 10 - XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681B - XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-02-10
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. (IL)

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX - XXXX... 
XXXXXXXX XXXX  - XXXX... 
XXXX XXXX XXXX - XXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2020-04-10
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)

I attended University XXXX XXXX  in XXXX and I was also apart of the military as well during that time. XXXX is reporting they disbursed loans to me in XXXX. How is that possible? The loans are false and not mine. They are reporting false information on my Experian and XXXX. I have sent identity theft report, method of verification letters, and still they will not comply with any law under the FCRA. This is not a duplicate message. This is factual and at this point I have no idea who to speak to, contact, or how much more proof do you guys need from me. How is a veteran owing student loans? When my whole mission for debt free schooling was to join the XXXX? Below I will prove the company doesn't disclose how they are performing their " research '' or why they are reporting false information. They do not have a physical signed document from me to even validate this debt belongs to me and it does not. So if you can't verify the information and answer the certified letters I have sent to you ; delete this debt.
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (OR)

We recently refinanced our VA mortgage with NewRez. It has thus far been a terrible experience and I would rather be paying higher interest than dealing with them. I got laid off due to covid. We sent the online request form for assistance. We did not hear back. Called and waiting over an hour on hold. Was told they would cancel our autopay and someone would get back to us within two days. Did not hear back and they still ran our payment. Called again, waited an hour on hold again. Was told someone would get back to us within a few days. Was told to call someone else for reversal of payment they processes. Waited on hold again. Has been almost two weeks and payment has not been reversed. We got a letter in the mail saying we were approved for forbearance for 3 months and after 60 days would be re-evaluated for options. Website says this will not impact credit and says loan terms can be adjusted as an option to make up missed payments ... all sounds ok. Yesterday we got a letter from ShellPoint, who does loss mitigation. The letter states they decided that we dont qualify for hardship and they believe we have the financial resources to keep current with our mortgage. The letter states we are granted forbearance but will be reported as delinquent on our credit report and will still owe the sum of missed payments at the end of the 3 months. It states they decided we dont qualify for loan modification and our options are short sale or foreclosure. 
Based off the CARES act and VA guidelines what theyre doing is totally unethical, illegal, and displays bully tactics during which they are clearly trying to force us into short sale or foreclosure. How they made the determination that we do not have hardship is not only false, its without any justification. I called both new Rez and ShellPoint yesterday, waited on hold an hour again, and was not given any answers, just told to call back. I am now spending entire days trying to rework our finances to avoid having to enter forbearance on the mortgage because with what theyre doing, its not even worth missing payments
Consumer complaint received 2024-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.