davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-17
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. (AZ)

Have written to XXXX, XXXX and Experian 3 times in regards to XXXX   XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from XXXX nor Experian. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2009 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Consumer complaint received 2017-11-10
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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Porfolio Recovery continues to report this account on my credit report which is n't my account. I 've sent my request on XXXX of XXXX for validation and never received it. They company says I owe over {$700.00} for a debt but they wont send me any proof. I tried contacting them in XXXX of XXXX and XXXX of XXXX.
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I just received notification that my credit score has decreased by 31 points!! Capital One has reported an over the limit balance on my credit report for an account I did not sign for. I do not have a contractual obligation with Capital One. I should be listed as an authorized user and that is it! I did not complete an application for credit. This is my father 's XXXX XXXX 's account. This is adversely affecting me! I am prepared to take legal action if necessary!
Consumer complaint received 2017-11-10
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 — Their investigation did not fix an error on your report
Company: AFNI INC. (FL)

I have an account on my credit report listed as AFNI for XXXX XXXX XXXX XXXX. I have not had an account with XXXX XXXX XXXX for more than 8 years, yet AFNI has the date showing that the collection is from XX/XX/XXXX and now, after I disputed it, they have updated it to XX/XX/XXXX. The debt is not mine.
Consumer complaint received 2017-11-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The loan was sold. The servicer was XXXX XXXX, but they sold the loan. In the process I was not notified properly and payments to not make it to XXXX. Have disputed multiple times with no result. Loan payments were made immediately when this was brought to my attention.
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Collection Bureau, Inc. (TX)

XXXX XXXX XXXX was paid in full by XXXX XXXX, both on XX/XX/XXXX, XX/XX/XXXX. When i spoke to patience accts in XX/XX/XXXX, I was informed this was taken care off, as XXXX overpaid hospital bill and they where going to cover this amt. 


Hospital send this over to XXXX XXXX which close the acct as paid. 

now united collection bur is re billing on an acct taken care. of.
Consumer complaint received 2022-05-25
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: World Acceptance Corporation (AL)

in accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX acct XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX  acct XXXX has violated my rights
Consumer complaint received 2017-11-10
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 — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (TX)

The loan was sold. The servicer was XXXX XXXX, but they sold the loan. In the process I was not notified properly and payments to not make it to Navient. Have disputed multiple times with no result. Loan payments were made immediately when this was brought to my attention.
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Today I received an updated credit score on XXXX XXXX. It shows my XXXX went down by 55 points. I have been disputing an account on my XXXX credit report for months now. I have called XXXX ( waited over 1/2 hour ) on the phone because I kept getting transferred. I have explained to XXXX that this account " XXXX XXXX XXXX XXXX '' does not belong reporting on my credit report. I even sent XXXX a copy of my XXXX credit report showing that this account has been deleted and removed off my report after there investigation. I was told they are seperate companies. I do understand they are seperate company 's however the same response should have been received for my dispute. First they were reporting that this account was included in my bankruptcy. Thank you to cfpb for helping me resolve that issue as I NEVER FILED FOR BANKRUPTCY. Now XXXX XXXX XXXX XXXX is reporting this as delinquent plus each month reporting as a late payment plus charged off to a bad debt. This information is completely wrong and it should not be reporting on my credit report. I do not know where to turn to from here my only other option is to hire and attorney for false information reporting that should be removed off my report. I have sent in and uploaded proof that XXXX XXXX XXXX XXXX does not appear on my XXXX credit report and they did a thourough investigation. XXXX and experian should have received the same response.
Consumer complaint received 2017-11-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (MI)

On made a payment on XXXX/XXXX/XXXX at XXXX p.m. My credit card company would not let me post my payment for XXXX/XXXX/XXXX, therefore I had to select the date XXXX/XXXX/XXXX. XXXX/XXXX/XXXX was grayed out on the calendar. 

I sent the credit card company an e-mail stating that I think that it is unfair that I go to make a payment at XXXX p.m. at night and I am not allowed to make the payment for today. I had to make the payment for tomorrow 's date, therefore I will incur a late fee. My due date is XXXX/XXXX/XXXX, which is the date that I attempted t make a payment for. 

I paid the card off with that payment by the way. 

I advised my credit card company that if a fee is assessed because I was not allowed to make a payment on the date that the payment was due, I would cancel my card. 

Since the fee was not assessed, I did not request to cancel my card. 

Then on XXXX/XXXX/XXXX, I received an e-mail stating that my account had been cancelled per my request. 

I never requested for this account to be cancelled. I advised them that if they charge me an unfair fee I would cancel.
Consumer complaint received 2024-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/year> I Opted-out third party reporting & Credit Reporting Updates Transunion XXXX XXXX and XXXX refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates.

Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses- remove all Non-Mailable addresses remove all Nonpublic Previous employers incorrect non-matching date opened incorrect non-matching high credit incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment
Consumer complaint received 2023-06-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (SC)

My CashApp account has been suspended. They said my account was cancelled because I violated terms and conductions and was suspected of illegal activities. I run a legit business. They had no reason to shut my account down. When I spoke with their customer service they told me it has been escalated and I would hear back from a supervisor but never do. I have called multiple times and can never get a resolution. I need help getting my account reinstated. I am completely legal and only use it for legit transactions. They had no problem with taking XXXX XXXX of every incoming payment but all of a sudden cancelled my account. Please help me!!
Consumer complaint received 2022-05-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Good morning, Last month i checked my credit report and noticed a few accounts that were unverifiable. I've submitted a 609 dispute letter to Experian regarding the issue. It has now been more than 30 days and i have not gotten any feedback. I would like to proceed and have these accounts cleared as to they are negatively affecting my credit.
Consumer complaint received 2023-10-16
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. (MA)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2017-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MO)

I contacted convergent outsourcing by mail to verify and validate a debt. I received a response the beginning month of XXXX with just a bill copy. The amount of XXXX This no real proof that a bill is mine simply because my name is on a bill. I want real proof that this debt is mine such as a signature, e signature, copy of my identification proving this debt is mine. If this can not be provided i would like this debt to be removed from each credit bureau it is reporting to and not to be added back with another collection agency. This debt that is reporting on my credit report is severely damaging my credit worthiness. I demand proof in writing by mail that this debt is mine or remove it! And once it has been removed immediately notify me by writing in mail.
Consumer complaint received 2017-11-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CT)

I was using this application that you can buy/sell XXXX on called coinbase. For some reason I coinbase closed my account on XXXX/XXXX/XXXX, I was doing nothing wrong and coinbase can confirm that by viewing my account. I contact them that same day by phone but the rep was not able to help me at all. So I sent an email to support instead, I received the generic we will get back to you email and I have waited 5 days without a response on this. No one is able to explain why my account was closed in the first place, as well as me not being able to log into my account to get the few dollars I still have in my account with coinbase. I emailed them every day this week in hopes that someone can help me but I still have no response. 

My case number is # XXXX and # XXXX
Consumer complaint received 2022-05-25
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: CORELOGIC INC (GA)

They are fraudulent activities on my credit report. They are hard inquiry that are not mine. And I need it removed. The address that these inquiries are under is not my address.
Consumer complaint received 2019-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Attached to this complaint is a document showing a list of UNAUTHORIZED inquiries circled in RED ; that are showing on my Transunion and XXXX  credit files that I did not authorize. I am a victim of identity theft, therefore believe these are fraudulent inquiries.
Consumer complaint received 2017-11-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: GOLDMAN SACHS BANK USA (WA)

Today we learned that Goldman Sachs, investor of our mortgage turned down our mortgage modification appeal. It was actually news to us as we were never informed that Goldman Sachs was investor of our loan despite 2 requests. 

We know that the whole modification process was botched with repeated documents missing and the threat to foreclosure on us. In addition the Home Owner 's bills of right was n't follow as the appeal was botched too. We also know that the documents we sent for the appeal were n't used at all. 

1- Please provide the data used by Goldman Sachs for the decision. 
2- Please send us the list of documents you received from us for the appeal. 

Absence of these, We 'll get a lawyer to freeze the foreclosure in court.
Consumer complaint received 2022-05-25
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: Resurgent Capital Services L.P. (AL)

in accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX  acct XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX acct XXXX has violated my rights
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have two bank accounts with Bank of America, a checking and a savings. A third account, XXXX XXXX, was opened in error. I asked the account be closed, but they refuse to close it until {$25.00} ( the monthly fee ) for the account has been paid. I am not paying for an account I did not want or did not use. When asked what would happen, because I refuse to pay and they refuse to close it, they said I will just keep getting fees until I pay them and close the account. 

Ridiculous. Shady practices.
Consumer complaint received 2015-04-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BMO Bank, N.A. (IL)

I have had a terrible experience with being inappropriately charged with paying a recurring " ghost loan fragment '' on XXXX of my HELOCs ( Home Equity Lines of Credit )! 
There are XXXX concrete recent examples of my bank INCOMPETENTLY and INCORRECTLY servicing my HELOC payments : ( 1. ) Early this year, the bank incorrectly showed on my account statement, that my principal balance had been paid down to {$0.00}. In actual fact, they neglected to post an {$8600.00} transaction ( using a check to buy shares of a particular stock ) to my HELOC account balance. I repeatedly went to the bank and personally PLEADED with them to examine and find this amount! I was being completely honest and forthright with them! This was a serious bank error which would have been in my favor! My experience is that the Personal Bankers would say, " Oh, I 'm not in the Loan Department! That is not my responsibility! '' To make things even worse, they have recently revealed that my bank DOES NOT EVEN HAVE a PHYSICAL LOAN DEPARTMENT! Therefore, when a problem with a HELOC emerges, there seems to be no XXXX available to correct or address the issue! Instead, there is a collective shrugging off and abdication of responsibility! 
( 2. ) Just over the last month, after I finally got the bank to post the {$8600.00} amount to my HELOC principal balance, I was very eager to pay it off, and obtain a " true zero '' ( {$0.00} ) balance on my account. On XXXX XXXX, 2015, I did pay the principal down to {$0.00}. I even obtained a printed ACCOUNT INQUIRY, showing that this was, indeed, the case! But the very next morning ( on XXXX 2015 ), I awoke to see a balance of {$5700.00} ( along with accrued interest ) back on my HELOC account! I was completely enraged! What is going on? I had to go and argue with the BankManager, calling the Regional President 's Office ( who was out of town, on vacation ). " I am filing a formal complaint! '' I bellowed. Finally, the local branch Manager said that she would fix the problem, and told me to have a nice day! " I 'm not having a nice day! '' I shouted. " This is totally ridiculous! Why would I ever want to get another HELOC from this bank? '' Well, apparently, the local branch Manager finally did correct the issue, as my HELOC principal balance is now back down to " true zero '' ( {$0.00} ). And I did get a phone call from the President of Marketing, who asked me about the problem. THE POINT IS, I SHOULD N'T HAVE TO BE GOING THROUGH THIS TRAUMA! AND NEITHER SHOULD THE LOCAL BRANCH MANAGER! MY BANK NEEDS TO GET THEIR BOOK-KEEPING OF LOAN PAYMENTS CLEANED UP! THEY ARE NOT BEING RESPONSIBLE LENDERS! I can only hope that another " mysterious ghost loan fragment '' does n't somehow REAPPEAR, again, on my HELOC principal balance!
Consumer complaint received 2019-06-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

I had called the first week in XXXX, I was laid off and wanted to see if they could help. I was told they could modify the payment for two months, from XXXX. To XXXX, they sent paperwork I signed and was told all good. First payment I made that day was correct, second payment full amount was taken. I called to try to resolve this and was told by XXXX I was wrong, he had notes and recorded call. I asked for the paperwork to be emailed to me and to pull call. I never got paperwork, and was told he was not sure how to get call pulled and could not give a timeline. I also set up a new due date in XXXX, and they did not set it up until I called after they took the payment on the old date and was told it fell through the cracks.
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (FL)

On XXXX XXXX, 2012, Ally Financial mailed a letter correcting its credit reporting errors and contacted all three major credit bureaus as well. However, five years later, Ally has again reported the inaccurate and previously corrected information to all three credit bureaus. This time, Ally wrongfully caused me to be denied a 0 % auto loan from XXXX XXXX.
Consumer complaint received 2023-06-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (IN)

In mid XXXX I was hacked on XXXX  and then able to access cash app in whichi had XXXX took and them showed XXXX  refunded it but never did when noticed all the stuff going on I logged into cashapp and took raining XXXX and had it sent back to bank. Which they show it was sent but I never received and they denied my refund. They have no info from there side to match my proof. It seems like they have perfect scam u give them Ur money they hack your account then when try get them to stand behind the actions they deny it if that's how allowed to do it then I want everyone give there money to me so I spend it and then say not my fault it is gone
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights, under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.