davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC. (KS)

A collection ageny continues to call my phone to reach my husband, XXXX XXXX. 
I have called them back several times and asked what company they are with and they told me that they are XXXX XXXX XXXX, a freelance company. 
I explained to them that my husband is in the hospital  due to a XXXX XXXX  and is unable to communicate at this time. 
They told me that the debt is owed to CashNet USA and in the amount of {$3000.00}. 
I let them know that I would have to verify the debt with my husband ( I currently communicate with him on a dry erase board, I explained this to them as well ). 
After I told them this, the lady I was speaking to named XXXX XXXX told me that was OK and she would make a note on the account and they would possibly have hardship options available. 
I received XXXX more calls and voicemails the following day threatening legal action and that they had a locate placed on my husband. 
I called them back and explained to them that I just spoke to someone the previous day regarding the debt and wanted to find out about getting on a payment arrangement since I am the only one working at this time. 
I let them know that I could pay {$85.00} per month on the balance until paid in full.. 
The gentleman I was talking to put me on hold so he could reach out to his " finance manager '' and he came back to the line and said that will not be an acceptable amount and refused to set me up on a pay arrangement after I asked twice. 
I told him I was going to explore other options since they are refusing payment and I let him know I would be disconnecting the call.
Consumer complaint received 2020-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. 

XXXX {$1200.00} XXXX {$140.00} XXXX {$82.00} XXXX {$27000.00} XXXX {$420.00} XXXX {$2100.00} XXXX {$14000.00}
Consumer complaint received 2020-06-12
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: Experian Information Solutions Inc. (AR)

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw a couple of items that were opened under my social number. I know for sure these items are not mine. Please remove them from my report.
Consumer complaint received 2024-02-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (DC)

THE DEBT COLLECTION COMPANY HAS CALLED AND I HAVE REQUESTED A TRUE BILL THAT THE COMPANY HAS A CONTRACT WITH XXXX XXXXXXXX, BUT THE REP REFUSED BY HANGING UP.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OR)

Experian has not allowed me access to my credit report or credit score to either me, or any financial organization. I have tried to get access to my Experian records/score for years!!! I have submitted multiple requests for help from Experian with NO RESPONSE! As of today, I spoke with them again. Again, I spoke with 6 different people. Again, they either could not or would not resolve the issue. Nor tell me the problem, The only questions I have asked repeatedly is " why can banks, lenders, credit card companies or me, why can we NOT access my Experian credit report or score? No one has been able to tell me or grant access to this report/score. I first discovered this when I went to buy a home in 2020. The financial lender said they were unable to 'pull ' my Experian credit report. As a direct result, I was unable to get the 'best ' rate as my risk was unable to be accurately determined without all 3 credit bureaus reports being available the underwriters. No one I spoke with at Experian was able to fix, resolve, etc. Finally, I ask/beg the US Consumer Financial Protection Bureau to intervene on by behalf. I am SURE that this is happening to thousands of Americans- the result being higher interest rates in millions of dollars in mortgages and credit cards. Bad news for many, many Americans.
Consumer complaint received 2020-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$750.00} XXXX XXXX   XXXX XXXX {$15000.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I received a notice that the status of two of my XXXX accounts had changed from " open '' to " closed ''. In addition, one of the loans was showing 4 late payments in a row. I have never missed a payment on one account and had only one thirty day late ( in 2016 ) on the other. ( account numbers XXXX on one account and XXXX on the other - detail attached ). 

I contacted XXXX ( letter attached ) and they indicated it was an error to report such information to the credit bureaus. They would remove it ( XXXX  XXXX XXXX ). They removed the 4 late payments but the bureau did not update the status to " open ''. This is artificially lowering my credit score and costing me thousands of dollars. This would be considered negligent non-compliance with the FCRA which requires the bureaus to report the proper current status of an item.
Consumer complaint received 2020-06-12
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. (DC)

I received a notice that the status of two of my XXXX accounts had changed from " open '' to " closed ''. In addition, one of the loans was showing 4 late payments in a row. I have never missed a payment on one account and had only one thirty day late ( in 2016 ) on the other. ( account numbers XXXX on one account and XXXX on the other - detail attached ). 

I contacted XXXX ( letter attached ) and they indicated it was an error to report such information to the credit bureaus. They would remove it ( XXXX  XXXX XXXX ). They removed the 4 late payments but the bureau did not update the status to " open ''. This is artificially lowering my credit score and costing me thousands of dollars. This would be considered negligent non-compliance with the FCRA which requires the bureaus to report the proper current status of an item.
Consumer complaint received 2020-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible. XXXX {$240.00} XXXX {$3200.00}
Consumer complaint received 2020-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (RI)

I paid lvnv funding on XX/XX/2020 XXXX as payment in full towards a XXXX  XXXX XXXX credit card balance of XXXX. The agreement was the settlement would mark the item paid in full. To date this has not been removed from my credit report. They have advised that the deletion was sent to the credit bureaus- however I have confirmed with all three that they have not received it. I have since tried to call and resolve this with them they will not help me I have requested supervisors and they will not allow me to speak with anyone who can help me.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (MD)

My AMEX Credit Card company placed my card in protected status for XXXX and XX/XX/2020, after I threatened to speak with the Maryland State 's Attorney Office as they were not working to provide any type of forbearance or deferment plan due to my financial hardship experienced due to the COVID-19 health situation. It was only when, in XXXX that I had called and spoken with a rep threatening this action on my part, that I called back a few days later and was informed that my account had been placed on protected status. I was not given any prior notice of this action and had I not called back, I likely would have been unaware that this action had been taken on my behalf. I called back every month near the date of my scheduled payment, theXXXX, to update AMEX on my financial status without further issue. When I called back at the end of XXXX, I was informed that AMEX could not extend protection for XXXX as it would overlap with XXXX, and to call back closer to my XX/XX/XXXX payment due date to see what options were available at that time. I called AMEX around XXXX XXXX, and was informed that my protection was either no longer active or was to be inactive that week, and was presented only with an option to enroll in a lower payment plan but I had to make a payment that very same day. I informed due to the COVOID-19 crisis, I would like to have the month of XXXX deferred so I could begin making payments in XXXX, as I anticipated that I would be gainfully employed by that time and able to make more than the minimum payment without issue, but I was still experiencing financial difficulty at that time. I was informed that AMEX had no option to forbear or defer any payment at this time. I was then called about a day or two after that call from AMEX asking if I could make a {$100.00} payment to bring my account current. I informed I could not for the same reason as the previous call. They then asked if I could make a {$60.00} payment, and I repeated the same information. I then informed AMEX I would be filing a complaint with the CFPB regarding this issue. They abruptly thanked me and ended the call without further discussion or interest in alleviating my situation.
Consumer complaint received 2020-06-12
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. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion continues to list ( refuses to delete ) from my open accounts a mortgage ( previously held by XXXX, now XXXX XXXX ), for {$290000.00}, on a property at located at : XXXX XXXX XXXX, XXXX TX XXXX, that was *closed as satisfied* in XX/XX/2017. 

Both XXXX and XXXX correctly have deleted this account from my credit report, but, despite having been asked multiple times, and having been provided with supporting documentation, Transunion continues to defame/cloud my credit history!! 

This erroneous entry causes me time and effort, ( and possibly a denial of certain loan opportunities, if I choose to explore that species of damages ), and there simply is no reason for it. In fact, when I recently re-financed my current mortgage ( on an ew property ), notwithstanding Transunion is the only agency which still lists that account, I was compelled to get on the phone while the lender 's investigator contacted XXXX XXXX, who confirmed on the phone that the mortgage was aid off, and that this status was reported out to every credit agency!!
Consumer complaint received 2020-06-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (OK)

On XX/XX/20, my wife and I applied for a mortgage with Chase. Our combined credit score is XXXX each. We entered our income and home information up front. 
{$230000.00} home value with {$210000.00} financed. We have income at {$110000.00} per year and low debt. We qualify for the loan. Even knowing this information Chase proceeded to pull our credit and proceed with the application even though they are now refusing any non 20 % down loans. Knowing they are only taking 20 % loans they should have stopped the application immediately. Instead a hard credit was pulled on my wife and myself for a loan Chase doesnt even offer. 
Why is chase the only bank not offering other loans? 
Why are they wasting my time if we dont qualify? 
Why was my credit pulled if we dont qualify?
Consumer complaint received 2020-06-12
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: Experian Information Solutions Inc. (GA)

I AM REPEATEDLY FINDING MYSELF FIGHTING TO REGAIN MY PERSONAL IDENTITY ... ..The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. ACCOUNTS THAT DO BELONG TO ME THEY WON'T REPORT AND THEY KEEP LISTING THESE FRAUDULENT ACCOUNTS THAT WERE PREVIOUSLY REMOVED SOME HOW THEY MAGICALLY FIND THERE WAY BACK ON TO MY REPORT : US DEPT OF EDXXXX ACCT # XXXX {$16000.00} ACCT # XXXX {$5100.00} ACCT # XXXX {$3300.00} I HAVE NOT TAKEN ANY SECONDARY EDUCATION AND HAVE NEVER APPLIED FOR ANY STUDENT LOANS AND ALL OF THESE STUDENT LOANS WERE PREVIOUSLY REMOVED AND DELETED. NOBODY HAS CONTACTED ME IN REGARDS TO THIS MATTER FROM AND EDUCATION COMPANY!!!! HOW IN THE XXXX DOES THIS CONTINUE TO HAPPEN!!! I AM JUST TRYING TO PUT MY LIFE BACK TOGETHER!! REMOVE AND DELETE THESE IMMEDIATELY!!!!
Consumer complaint received 2020-06-12
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: Experian Information Solutions Inc. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on my report. I than printed out a copy of my credit report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report XXXX XXXX XXXX {$830.00} XXXX XXXX  XXXX {$75.00} XXXX  XXXX XXXX XXXX {$110.00} XXXX  XXXX XXXX {$830.00} XXXX   XXXX {$12000.00} XXXX XXXX XXXX {$440.00} XXXX   XXXX {$2600.00} XXXX XXXX {$400.00} XXXX   XXXX {$300.00} XXXX  XXXX XXXX {$670.00} XXXX/XXXX   XXXX {$830.00} XXXX XXXX {$93.00}
Consumer complaint received 2020-06-12
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: Experian Information Solutions Inc. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report.
Consumer complaint received 2020-08-04
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. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2024-02-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

Portfolio recovery associates, has been repeatedly trying to contact me about a debt that I have. Now, i did explain that i was undergoing financial hardship and that i WILL contact them when i get financially stabile, to pay my debt. Now. Instead of calling me, they are calling my fiancees number, which i never provided to them, to try and get ahold of me. I feel its a violation of consumer rights.
Consumer complaint received 2024-03-18
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: EQUIFAX, INC. (PA)

Throughout, I've made certain payments on this account are prompt, avoiding any overdue situations. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2020-06-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (KS)

On XX/XX/XXXX, at XXXX, I was contacted by Midland Credit Management , XXXX XXXX XXXX, and threatened with a lawsuit related to old credit card debt. Such action is illegal under FDCPA ( an unfair practice, at a minimum ) and causes me mental anguish.
Consumer complaint received 2020-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Why did NewRez LLC Shellpoint  transfer a loan into my name on XX/XX/XXXX when I was not the owner of the real estate? 
Details as follows : On XX/XX/XXXX, NewRez LLC dba Shellpoint  transferred their loan # XXXX, in the amount of {$380000.00} for real estate at XXXX XXXX XXXX XXXX, XXXX, CA, into my name when I was not the owner of the real estate nor was I the mortgage holder. My ownership of this real estate ended on XX/XX/XXXX and the XXXX loan # XXXX for {$380000.00} for the same real estate was satisfied in full to a XXXX   balance under my name on XX/XX/XXXX. ( See the 1099 for XXXX that XXXX sent as legal documentation. ) Why did NewRez LLC Shellpoint  transfer a loan into my name on XX/XX/XXXX when I was not the owner of the real estate, and my loan for the same amount for the same real estate was satisfied in full XX/XX/XXXX.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX Account number : XXXX Multiple inaccuracies between all the 3 credit reports On record until date inaccurate between all reports. 
XXXX inaccurate data for XXXX, XX/XX/2019. 
Inaccurate date of last payment, all 3 reports. 
XXXX dispute and reinvestigated with no updates to reports Disputed with TransUnion and XXXX with no updates to reports. Clear violations to accurate reporting practices by all 3 credit bureaus.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This letter is in reference to a late fee in the amount of {$28.00} that was applied to my account for my XX/XX/2020 statement. I received an email that my payment was late after the payment date and I immediately made the payment. 

I opened the statement today to find out that I was charged {$28.00}. I immediately contacted Capital One and the call was answered by a representative in the XXXX and could not assist me so I asked to be transferred to the US to a representative in XXXX XXXX ID number XXXX and advised her of the situation and due to COVID 19 credit card companies are to work with their customers. She stated that she would not give any credits and COVID did not apply to my situation. She stated that I had a late fee seven months ago. I advised her that it was due to that Capital One took over Walmart credit card which I had set up on bill pay with XXXX  XXXX XXXX. To this date I am still not able to this account to bill pay with XXXX  XXXX XXXX. She stated that I should be set up on alerts and I advised that I did get the alert that was telling me that my payment was not made. All of other credit card companies send out reminders a week to three days in advance. I asked for her manager and she advised that there is no one over her to speak too. 

This is poor customer service not to be able to speak to someone hire than the person you are speaking to on the phone. She did not even give the option to send a letter. I had to XXXX Capital one complaints to find this address. 

I then called back again and spoke to XXXX Id number XXXX and she stated the same information as she is reading from a script. As a Manager she should have been willing to assist me and not aggravate me. 

With everything going on in the World with COVID 19 credit cards are pro-actively sending communication to assist their customer during these difficult times. 

My spouse and I have several accounts with Capital One and would not recommend to my family or friends to open an account with Capital One. 

I am also going to file a complaint with The Consumer Financial Protection Bureau for further attention.