davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
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. (MD)

I am complaining about XXXX XXXX XXXX. They reported late payment on my credit report consistently even when I told them that I am in dispute with the school on the amount since I withdrew from school and their action single-handedly destroyed my credit report, lowered my credit score to the point that at the moment everything I am trying to do to get ahead in my life after a family event of my my wife getting sick and I had to even resign my job to primarily care for her is impossible. Before them my credit score was about XXXX and they by their action reduced my credit score to about XXXX.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc. (WA)

We hold our current FHA mortgage with Caliber Home Loans. We have paid on time since the inception of our loan XX/XX/XXXX. 

We have typically paid via their online portal, despite issues with the portal where the payment wasn't processing, which happens often. We will then log in the next day and try again. 

We have tried multiple times to pay via their automated phone system through XXXX XXXX which for some reason can not process our payments, not due to lack of funds. Just an error with their processor. 

On Friday, XX/XX/XXXX, we made an online payment for the due balance for XXXX. We received no error messages, and we received confirmation of their receipt of payment through a secure message on their website. I am attaching this for your review. Also of note, this is a shorter month with 29 days. 

We were notified a few weeks later through our XXXX apps, that the payment was marked as 30 days late. 

At this time, we called Caliber Home Loans to dispute the late payment and we were told that we should have paid via the phone system for it to post same day. We told them that their phone system wouldn't authorize our debit card or ACH check as it didn't in XXXX, XXXX when we tried to use the system while travelling outside the country. Therefore, our previous experiences with the phone system lead us to always pay online. 

They said that since we paid online, and before 30 days, it did not matter because the payment posted to their system XX/XX/XXXX. Caliber stated that even though they have record of our payment on the XXXX of XXXX, they will not update the credit reports to show an on-time payment. 

At this time, we filed with all 3 credit bureaus a dispute of the reported late payment by Caliber, and on XX/XX/XXXX XXXX  investigated and deleted the late payment from our credit files. 

Now we are trying to refinance our home to save money during the pandemic, and we are unable to qualify solely because of this one reported late payment that was actually not 30 days late. 
We have never been 30 days late on any mortgage. 

Please help us to ensure that we are able to hold Caliber to the date we paid the loan and not when it posted for them ; which could be an arbitrary amount of time. 

Attached : payment confirmation on the XXXX of XXXX, XXXX, Confirmation of increased credit score when XXXX  removed the 30 day late payment. Letter to credit bureaus.
Consumer complaint received 2020-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (MA)

The heartland ecsi received every month a check from my employer contribution in the sum of XXXX $ each month. However, they refusing to count it towards the bill and asking to pay another full bill. This is not what I agreed to pay back. If I pay payment that month in any day, they should be counted towards this month payment or at least the next one period. Im not going to pay more or less, this Loan service must do their jobs and comply with agreements that students have. Please address this issue with them.
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: Experian Information Solutions Inc. (MO)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent.
Consumer complaint received 2023-05-27
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2020 I received an email from Experian titled " Your new Experian Credit Reort and FICO Score are ready. '' When I attempt to login and retrieve it, I am told that I will need to receive a code by phone. There are two problems with the phone number to which a code would be sent : ( 1 ) It is no longer my number. ( 2 ) Even when it was my number, it was a landline and COULD NOT RECEIVE texts. To bypass this step, I need my security question, which I have, and a 4 digit pin, which I do not. When I call customer support, I am offered two options -- get a new password or retrieve my user name. No assistance retrieving pin is offered. There are NO OTHER CHOICES. So if you have a problem not covered by the incomplete list of phone menu choices, you've hit a dead end. No instruction provided on talking to a person or emailing or even mailing. I can not retrieve my credit report.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my credit report, this is a violation of my consumer protection rights.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I hope this message finds you well. As previously communicated, I discovered unauthorized transactions on my account statement. Despite my diligent efforts to report and rectify these fraudulent activities, the items remain unresolved, causing me significant distress and frustration. 

I urge you to take immediate action to rectify this situation. I request that you escalate this matter to your highest authority and allocate the necessary resources to expedite the process of removing the fraudulent items from my account. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future. 

Furthermore, I believe it is imperative to address the emotional distress and financial hardship caused by this ongoing ordeal. I request compensation for the inconvenience and stress endured as a result of the unresolved fraudulent items. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TN)

I have filed a complaint about this issue before, and it is still unresolved. ( See CFPB Complaint XXXX ). I have been attempting to deal with this issue for 7 months. XX/XX/2020 we submitted a request for PMI removal. Eventually, NewRez responded and sent a local Broker to perform a Broker Price Opinion to establish current market value for our property. The Broker did not provide an accurate valuation of our property, as he compared our 5 bedroom +Office, 5,262 square foot home on nearly 2 acres of land with homes which were 3-4 bedrooms, 4,000 square feet on lots in most cases less than an acre in size. He listed our home as having 4 bedrooms, 2.1 bathrooms, 3080 square feet. Clearly, this was inaccurate. Despite NewRez requesting him to update information when presented with this, the Broker did very little. I am currently involved in a formal complaint against him with the Tennessee XXXX XXXX XXXX. However, despite hundreds of pages of documentation supporting our claim that the BPO was inaccurate, NewRez will not refund us the BPO fee, nor have they responded to any request we have made to pay for a full appraisal of the property. I emailed them again XX/XX/XXXX requesting this be performed. I received no response. I emailed them again today demanding someone contact me about this matter, or else I will be taking legal action against them. I have hundreds of pages of documentation about this issue, which detail how the Broker undervalued our home. I disputed the issue as requested by NewRez and provided them 6 additional comparable properties. They sat on it and never did a thing. At this point, I am at the end of my rope, and am out of patience. I feel them to be negligent in their duties as servicer of my loan. I am attaching copies of all documentation relating to this issue. This is the 7th CFPB complaint I have been forced to file against this company. They do not respond to phone calls or email communication apparently, unless it is about a CFPB compplaint.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (MA)

I disputed a charge on XX/XX/2020, on XX/XX/2020 I contacted the company to request they stop the dispute process. As of XX/XX/XXXX I am still not being allowed to make payments as they claim the dispute process is still on-going. I have contacted the company many times and nobody is able to provide insight or help me make a payment.
Consumer complaint received 2020-04-14
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)

Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/XXXX. All negative items reverted from a dispute status to " Verified, '' however, I received no response stating how this information was verified. I then mailed a second verification letter, ( USPS shows it was signed for on XX/XX/XXXX, I called to ask why my accounts were not in a dispute status. The woman i spoke with on XX/XX/XXXX advised me that my letter had not been received ), asking them to prove to me how this was verified. The crazy thing is, I contacted all of the collectors listed on my report requesting them to Validate this erroneous information. I received No response from most of them. I received a letter from one company stating they " CAN NOT LOCATE '' the accounts listed on my credit report. I received another letter from a different collector listing SOMEONE ELSE 'S MEDICAL RECORDS! I have given well over 30 days to respond regarding my dispute verification with no proof in sight. How is it possible for them to continue reporting CLEARLY Unverified, Invalidated, AND Inaccurate information to my credit report?
Consumer complaint received 2024-02-06
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: Thaxton Investment Corporation (SC)

I never took out any loan with XXXX XXXX. I have requested the contract and terms and conditions to which they will not provide. This company received my private information commuting identity theft & securities fraud. I never applied for anything which is why they can not provide any application or any documents at all.
Consumer complaint received 2024-03-21
Product: Credit reporting 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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Hi, I applied for a XXXX  XXXX  amex card on XX/XX/2024. I have made almost {$10000.00} in purchases since applying and im being denied the XXXX membership reward point bonus on grounds that tax payments do not count towards spend. I have overlooked the terms and conditions for excluded charges and found nothing that excludes TAX PAYMENTS therefore per terms and conditions I have properly met the spending requirement and fulfilled my end for this bonus. On top of that is was informed by multiple representatives from the company that tax payments do in fact count towards spend bonuses.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I think FCRA XXXX requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-01-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (KY)

On XX/XX/XXXX I was the victim of a scam that resulted in XXXX being stolen from my checking account via XXXX. 

On this same day I went into my local PNC branch to report the scam and ask that they pending transaction be stopped. This was within the hour that the scam happened. I was told that they could not stop the transaction and that I would have to wait until it posted and file a dispute. 

On this same say I also filed a police report with the local police department. I have a case number and copy of report if this needs to be provided. 

On XX/XX/XXXX I contact PNC bank again via telephone to file this dispute. All information was given in regards to this scam including case report number. I was told that I would hear something within 10 days. 

On XX/XX/XXXX I received a letter via mail, stating that my dispute had been denied and I could ask for more information/details on why if needed. I attempted to contact PNC immediately because I do not agree with the decision that was made considering I was a victim of theft by deception. I spoke with a representative and voiced my complaints. I was told that I would need to speak with a manager and that they would have to take my information and someone would need to call me back within XXXX hours. I was not able to speak to someone immediately. 

I received a phone call from XXXX XXXX XXXX on XX/XX/XXXX. I was told that she would no be able to help me. I asked to speak with someone that could. I was told that they dispute department does not speak with customers. My complaint at this point is how did they arrive to their decision if they never spoke to me about what happened. What type of investigation was done on their part? I insisted that I be put in touch with someone such as her boss and that my complaint be escalated. She told me that should would see what she could do and call me back that day. I was also provided with her contact information. I did not receive a call back from her that day. And have not since. 

The weekend was a holiday weekend and the bank was closed on XX/XX/XXXX in observance of XXXX XXXX XXXX. I made an attempt to contact XXXX XXXX on XXXX, XXXX, XXXX and XXXX with message left on voicemail. I still have not received a call back from anyone.
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

I fell behind in making payments to Citi Cards. We negotiated a mutually acceptable payment plan in which they will auto draft an amount every month from my checking account. The account is closed and the monthly payments will pay off the balance in full. 

Their records continue to show the old minimum amount due, which is not correct. The old minimum amount due is a higher amount than the amount that will actually be deducted from my account. The minimum amount due should be the same amount that will be deducted from my bank account, not some higher amount that will continue to show as past due. 

They have indicated they can not change the original minimum amount due, even though there now is a new minimum amount due, which they will be auto drafting from my bank account. They say they will be reporting the old minimum amount due as " past due '' every month to the credit bureaus. 

They should not be further damaging my credit standing by continuing to report the old minimum payment amount as past due, when they have agreed to a payment plan that will pay off the balance in full.
Consumer complaint received 2020-04-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (FL)

I signed up for CareCredit In XX/XX/2019 to cover a medical procedure at XXXX XXXX in XXXX, FL. The details provided on the form were correct. In late XXXX or early XXXX I saw a negative account issue in my credit report, but I had never received any billing information from CareCredit. They sent me no mailings or emails regarding my account, the new account number or the balance. I called them and spoke to a representative who confirmed that the address was correct and he stated that the mail was inexplicably returned as " not delivered '' or " undeliverable ''. After the conversation, I did receive the information required to make payments and the account will be paid off tomorrow but my credit report has been damaged through no fault of my own. I have since learned that this is not the only occurrence of this type of behavior by CareCredit and that they are quick to report issues to credit reporting agencies without following up on making contact with their clients. I would like to see my credit report repaired and see CareCredit held accountable for this deceptive practice.
Consumer complaint received 2020-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (IL)

On XX/XX/2020 I placed three orders on Wayfair.com using Wayfair Card. The orders were cancel next day ( more than month ago ) and never received, but refunds for those orders weren't processed and I've been charged a late fee for orders I've never received. 

XXXX XXXX
Consumer complaint received 2020-08-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP (NY)

There is an outstanding debt of XXXX owed to XXXX XXXX XXXX. I have made payments towards this debt up until the point I filed for divorce ( late XXXX ) and it became impossible to do so because this debt became a debt that was part of my divorce litigation. I have reached out to XXXX to explain my situation and asked for a settlement/hold pending divorce and Judge 's ruling on responsible party for debt. My divorce proceeding was scheduled for XX/XX/XXXX but Covid has interrupted further proceeding. As of today, we are still waiting on a final date once the Court reopens. 

XXXX has refused to consider my situation and forwarded this debt to a debt collecting law firm without notifying me or giving me an option to settle this debt pending divorce settlement. Subsequently, I received a letter from the debt collecting law firm ( Pressler, Felt ). I have reached out to said debt collecting law firm on numerous occasion ( 4 times ) at which point no one have picked up the phone call. Approximately one month ago, I was served with a the attached summons at which point I promptly reached out to Pressler regarding my situation and explain that I can not answer this summons in Court since the Court is currently close except for essential services ( which this does not qualify for ). I explained my current financial situation in this pandemic and my pending divorce and this debt being an issue. I am unsure how to proceed with a summons that I can not answer given the fact that the Court is currently close and this can put my credit in jeopardy.