davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

On XXXX, American Express decided to close my credit card giving a phone call to notify me about the action. The same day or couple of days after ( they can verify in their system ) I paid off my balance. I was living in XXXX  back in that year. 

After a month or so, collections called saying I had a pending balance of 6.00 that needed to be paid asap. That was, if I remember correctly, the interest accrued for the previous month. I paid the balance in full. Since then, those 6.00 have Ben hitting my credit as pending balance. Every time I have tried to open a new credit card or even buying a house, that bad report pops up. 

When reaching out to customer service ( 5 times already ) they said there was a mistake and that they can see the balance has been paid and that the pending balance notice should be cleared in the next 60 days. Then again is showing, same explanation- at this point I cant remember my credit card number so it takes forever to locate the account - then they say yes, it will get fix etc, and then they transfer the phone call to another 3 agents just to verify the information is correct and that the case has been solved. At this point Im reaching 1.5 hours over the phone with American Express and a call center with XXXX XXXX XXXX XXXX XXXX XXXX ) is contacted telling us they cant find any of the information Ive been discussing with previous agents. Its outrageous. Its XXXX already and when buying my new house, Im still dealing with this. The only step to follow is a law suit I guess, just because no one could fix a balance of 6.00 that got paid already, but the system for some reason is not clearing it. I have offered several times to repay the famous balance, but they keep telling me it got paid already.
Consumer complaint received 2019-11-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

PennyMac USA simply refuses to post our escrow shortage payment in full check to escrow followed by 2 monthly payments since - They've applied them to principle only causing fee 's to be charged - Our first message started on XX/XX/2019 with many  messages and phone calls since up to now ( XX/XX/2019). 

This is the latest message/request we made to PennyMac USA : Please remove the fees of {$79.00} from our latest statement (XX/XX/XXXX ) Please note - ALL past payments have been marked ( in memo ) where to have been applied. 

Please post our XX/XX/2019 check for {$1800.00} to XX/XX/2019 Payment - The XX/XX/2019 payment of {$1600.00} was marked to be applied to XX/XX/XXXX Escrow Escrow Analysis ( option B ) which paid the Escrow shortage in full ( please correct the payment and post it to Escrow ). 

The XX/XX/2019 payment of {$1800.00} payment was for XX/XX/2019 Payment ( {$1800.00} ) based upon XX/XX/2019 Escrow Analysis and fact we did option B on the XX/XX/2019 Escrow Analysis - paid shortage in full ) - Please NOTE, our XX/XX/XXXXpayment ( XX/XX/2019 payment of {$1800.00} has NOT been posted correct either, please do correct this ). 

Our monthly payments should be only {$1800.00} as we PAID IN FULL our escrow shortage XX/XX/2019 with the payment of {$1600.00} - Yet our payment still shows as $ XXXXish with both payments ( XX/XX/XXXX and XX/XX/XXXX payments ) posted wrong. 

Please I've been asking for over a month now, I've made several phone calls, I've taken a couple of collection calls now as well - PLEASE correct how our payments have posted - There is no way making these simple corrections take months ...
Consumer complaint received 2024-02-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Experian Information Solutions Inc. (NM)

I was determined XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have disputed this situation through the XXXX credit reporting agencies where my info was updated but not omitted thus negating any ability for me to restore my credit. 
I have exhausted all my options with Experian : forbearances, refused forgiveness, and threatened that my XXXXI may be seized.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I sent letters to the Credit Bureaus to remove the unauthorized inquiries and personal information that are found on my report. But still, those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Onity Group Inc. (GA)

I am a victim of fraudulent credit activity, my identity has been used without my consent to obtain goods or services .I have owned a XXXX XXXX XXXX 17 years and disgruntled employees have submitted my name or used my identity.
Consumer complaint received 2022-05-23
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-10-25
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (TN)

TD BANK USA/TARGET CREDI XXXX XXXX XXXX XXXX, MN XXXX Target is reporting that I was late in XXXX. I have contacted them and they are not willing to help. I was not late. First, I tried to login to my account online and for some reason they locked me out. I tried calling and they refused to help me login. I went to the local Target and tried to make the payment, they told they could n't find the account. They were very busy that day so they asked me to leave the check with my account number and they would call the credit number and fix it. Apparently the payment was not applied. I tried calling them and stopping by and NO ONE wants to help me!
Consumer complaint received 2017-10-25
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: Ditech Financial LLC (WA)

I 've never been late on my mortgage payment. My XX/XX/XXXX payment I paid {$2600.00} which was an extra {$50.00}, which they applied to principal. In XX/XX/XXXX there was an escrow adjustment and my payment of {$2600.00} was {$25.00} short, so they did not apply any of my payment, reporting me 30 days late. In XX/XX/XXXX I paid {$3000.00}, covering the {$25.00} short, plus their {$89.00} late fee. On my credit report it shows I was 30 days late. However my due date is XXXX and they reported me at the end of the month, which is not 30 days. In addition I asked them to considered I 've always paid on time, usually more than the payment, that it was {$25.00} short. I also asked if they could reapply the extra {$50.00} from XX/XX/XXXX to XX/XX/XXXX to cover escrow and then reapply my XX/XX/XXXX payment. They claim by law they can not do that, will not escalate my calls and frankly this is not a black and white issue. I 've talked to a number of financial institutions and DITECH has options to help me, I gave them an easy method to reapply payments, but they just choose not to do anything to help out a long time customer. They have a very rude customer service. My credit score which was well over 700 dropped by 50 points. I 've worked hard on my credit and I find this very unfair and any reasonable person would agree.
Consumer complaint received 2023-10-09
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 was a victim of Identity Theft several years ago. Once it was brought to my attention I made attempts to address the issues, with the three credit reporting agencies. I provided them with a letter stating that the information being reported was inaccurate. Also provided a police report, Federal Trade Commission Claim #, and a affidavit. First of all they took longer than 30 days to respond. When they actually did respond they stated the information had been verified. my response was how did you verify the information in dispute? They never responded and the fraudulent negative account is still showing on my personal profile. I sent another letter stating that the negative account in question wasn't mine. That's the only blemish on my credit profile.
Consumer complaint received 2018-09-26
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: AMERICAN HONDA FINANCE CORP (LA)

To whom it may concern! 

I XXXX XXXX XXXX On XX/XX/2017 paid Honda Financial Services {$5800.00} in full for an ATV loan that I had through them. I received the clear Title in the Mail ( see copy attached ) Along with 2 Overpayment check ( see copy attached ) and they are reporting me as I defaulted on the loan which I was never late on it and the loan was paid in full and they are reporting to XXXX and XXXX negative on my account and I have the evidence that the account was paid with the clear title and overpayment checks for that account I sent XXXX and XXXX and Honda Financial Services a Dispute ( Notice of Validation Letter ) asking them to provide me with certain documentation to prove that I still owe them and XXXX and XXXX and Honda Financial Services failed to present me with said Documentation. XXXX and XXXX aren't doing there Job to investigate my Dispute. 
I have a copy attached of the Notice 's of Validation Letters that were sent out to XXXX and XXXX Honda Financial Services.
Consumer complaint received 2022-05-23
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. (OH)

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$560.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$230.00} ), XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$220.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$15000.00} ), XXXX XXXX XXXX  ( XXXX XXXX XXXX, XXXX, Highest Balance {$3000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-05-23
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. (OH)

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$560.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$230.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$220.00}, XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$15000.00} ), XXXX XXXX XXXX  ( XXXX XXXX XXXX, XXXX, Highest Balance {$3000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2018-09-26
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmeriCollect (MO)

AmeriCollect continues to harass me about accounts that are a direct HIPPA violation. I have repeatedly disputed these accounts. AmeriCollect did not provide me a copy of my signature with the provider of services to release any of my medical information regarding alleged debt as well as cease any credit bureau reporting. This entry on my credit reports is a blatant HIPPA violation and a violation of my consumer rights. These entries must be deleted from my credit reports immediately. XX/XX/15 ( {$54.00} XXXX, XX/XX/15 ( {$160.00} ),
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XXXX XXXX 2021 XXXX XXXX XXXX XXXX closed my account and refunded my initial XXXX deposit, and the balance on my credit account is still not reflecting this update. Also, they are reporting my balance inaccurately to multiple credit reporting agencies. On XXXX XXXX 2021 they sent me an incorrect billing statement as well. They are damaging my credit by not reporting the correct information, it is discouraging, and I do not agree with it.
Consumer complaint received 2017-10-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (IL)

Several times I contacted Experian, XXXX and Equifax formally disputing a debt listed on my credit report from Convergent Outsourcing Inc. Each XXXX listed above insist that XXXX XXXX  contacted them to verify said debt as valid and Convergent continues to report said debt. 

I 've requested validation, varifiable proof, contract and signature for said debt as I do not owe this company, never had a contract with them and do not owe who they claim to be the original creditor. 
Dates and tracking numbers for my letters below : XXXX/XXXX/XXXX XXXX disputed online- Equifax XXXX XXXX/XXXX/XXXX XXXX ( Experian XXXX XXXX/XXXX/XXXX XXXX ( Equifax XXXX XXXX/XXXX/XXXX XXXX ( transUnion XXXX XXXX/XXXX/XXXX ( online dispute- Equifax XXXX
Consumer complaint received 2019-02-06
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. (VA)

On XX/XX/XXXX - I sent a document to the XXXX Bankruptcy Court regarding the fact whether they provide Chapter XXXX BK information to any third party or credit reporting agencies. I now have a document stating they do not provide this information AND that they do not attach a complete social security number on any information. 

I then contacted XXXX  XXXX and got a security freeze and opted out of any of there information reporting. I now have a document which shows that my opt otu through XXXX XXXX has been approved AND a Security Freeze case number. 

In XX/XX/XXXX then sent a dispute letter to Equifax regarding erroneous information on my credit report regarding an old Chapter XXXX BK. I received a very QUICK within 5 days response saying they have verified all information as correct through XXXX XXXX. 

I then sent documents from the court house, from the freeze, and from the opt out to equifax regarding the fact that it is impossible they verified any information and I would like to know how they verified. 

It has now been 30 days and Equifax has yet to respond or to fix anything on my credit report. 

I have done and sent all documents required and all I get is silence.
Consumer complaint received 2022-10-13
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. (NY)

hello there were a fe account on my credit report that I submitted and investigation for and they fell off my credit report. They appeared on my report again without any notice. According to section 611 of the FCRA 'the information may to be reinserted in the file by the consumer reporting agencies unless the person who in furnishing the information certifies the information is complete and accurate ' The FCRA also states 'consumer agencies shall notify the consume of the reinsertion in writing not later than 5 business days after reinsertion I have listed the accounts they reinserted below XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one sent me ads in the mail for months for their XXXX credit card, they said I would get a {$200.00} sign-up bonus after spending {$500.00}. Eventually, I applied for the card with their reference number from those ads and got it and spent over {$500.00} but they won't give me the {$200.00} sign-up bonus. Apparently, this is common, a lot of people on XXXX post about how capital one will tell you while the card is advertised with this sign-up bonus you don't get to have it because your account didn't qualify or something. I called, I was nice, they wouldn't credit me or anything.
Consumer complaint received 2021-11-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

I would like for the CLLCN BUREAU OF THE HU to show proof of verification that I owe them {$1500.00} with ACCOUNT # XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now.

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to.

Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (TX)

I purchased an engagement and wedding rings from XXXX XXXX and financed through XXXX XXXXXXXX XXXX. It was not made clear how much the interest would be charged if not paid within the promotional time frame. I had not been receiving paper statements nor could I access the XXXX XXXX online account for months. I would always make the payments every month but then was alarmed that my balance went from slightly over {$3000.00} to almost 8,000. The original amount financed on this card was {$8000.00} and I had paid it down to {$3000.00}, but was recently charged over {$3600.00} in interest. I called as soon as I could and spoke to a manager, XXXX who mentioned that if I could pay off the {$3800.00} principal balance that they could possibly look at waiving the interest charged with a dispute letter. I paid the principal only to find out today that I will still have to pay the full amount of interests of {$3500.00} and will accrue interest every month upon interest charged despite me paying the principal balance. It took everything I had to pay the principal amount and after so much loss from Hurricane Harvey it's been tough to get on our feet again. The Over {$3000.00} in interest charges on an account that only had {$3000.00} remaining balance is exesive and a scam. Not to mention that I never received any communication or statements regarding where I stood with the account. I ask that XXXX XXXX XXXX refund at least the majority of the interest charges and also state they have no right to continue charging interest charged when the principal balance has already been paid off. The most recent manager I  spoke to did not want to assist in any way and said there was nothing that could be done.
Consumer complaint received 2017-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

XXXX closed all of my credit card accounts after pulling my credit report saying I had too many recent inquiries. I have a spotless credit history and have never missed a payment and I rarely even carry a balance on my credit cards. I 've been with XXXX for over 10 years and still have an auto loan with them.
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2022-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (DC)

I lived in XXXX  apartments on a section 8 voucher where section 8 pays a portion of my rent. I have always paid my rent I have receipts showing this the month I moved out I paid the full month even though I moved out mid month. They kept my deposit and the remaining funds from the full month rent I paid and reported I owe for something but never notified me. Now a debt collection company has reported it to the credit agencies it has affected my credit score and now I have a bad landlord mark on my credit report whereas before I had none. I have all my receipts I always paid my rent and dcha has always paid them their portion. I am seeking assistance with getting this off my credit report