davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-23
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: EQUIFAX, INC. (ND)

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (IN)

Last year, in 2021, I contacted KiK off lending to close my KIK OFF credit account which has a {$500.00} limit. I received confirmation from KIK OFF that my KIK OFF account was closed. However, the account is still showing open on my XXXX report. I filed a dispute with XXXX to let them know that my account was closed. However, my account is still showing opening.
Consumer complaint received 2020-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XXXX XXXX XXXX XXXX Ct, XXXX MD XXXX Bank OF America XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/2020 RE : XXXX To Whom It May Concern : I am writing to challenge the reporting and compliance on an account with { BANK OF AMERICA } that is being reported on my credit report with inaccurate/ incorrect Balance Info. 

More specifically, I am referencing the fact that you are reporting an inaccurate reporting/ a collection account on my credit report. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2019-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (NY)

I opened a new credit card with First National Bank Of Omaha a few months back. On the first statement, I owed {$1100.00} but mistakenly only paid {$1100.00} ( I shorted them {$19.00} ). On my second statement my purchases came out to {$1100.00} + {$19.00} = {$1100.00} Which was paid in full ( The statement did not show I had owed more ). On my third and most recent statement the credit card  company charged me {$77.00} in interest from an unpaid amount of {$19.00} from the first statement but was only made aware of it on the third statement. 

When I called to see if I can have this waved I was transferred over to a supervisor that was very rude and said that it was a valid charge of {$77.00} on a {$19.00} balance that was paid 20 days late. I had asked her if I could speak to anyone else that can address this or who can I contact to complain and her exact words were " I'm not going to educate you on who to complain to! '' I also asked her for her information so I can name her in this complaint and all she would give me is XXXX XXXX. I had asked her if she can give me her full last name or supervisor ID # and she refused.
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

In XX/XX/XXXX, I filed for Chapter XXXX bankruptcy. My attorney approved for me to obtain a car in XXXX. I have never missed a payment and have not had any credit cards since all accounts were closed in XXXX. XXXX XXXX recently offered me a way to build my credit. I have made 1 of 6 payments to them. 

I am working to try to refinance my home ( currently has my ex-husband and my name on mortgage, but he signed a Quit Claim Deed ). I divorced my first husband back in XX/XX/XXXX. 

Each time a lender pulls my credit, it comes up with the following statements. 

1. Length of time since derogatory public record or collection is too short 2. Serious delinquency, and public record or collection filed 3. Time since delinquency is too recent or unknown 4. Lack of recent revolving account information I am trying to work to REBUILD my credit. Please help me to understand what I am doing wrong and why my credit history still reflects these statements and lenders will not afford me an opportunity to even work with me to refinance my mortgage.
Consumer complaint received 2020-11-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation (OH)

I went shopping for a home, contacted Fairway, to do the mortgage and provide a loan interest rate that I can use as pre-approval. I talked to XXXX ( dont know her last name ) initially, I was given pre-approval of XXXX at 2.65 % rate loan. Once a home I liked was located, and our bid accepted. This is where the Bait-n-Switch takes place by Fairway. The Loan Paperwork is sent to me by email. It states I have to log into their website to fill out the forms required and lock in my rate. The loan initially discussed with XXXX on the phone was XXXX & down and no PMI if possible, if not 20 % down payment. Because of this when I went shopping for homes this is the calculator used to see if I was comfortable with that payment and that much down payment. The Loan Paperwork sent by XXXX XXXX the Loan Officer, was for 33 % down payment and my loan only good for {$150000.00} dollars. 
A little more perspective here, a 10 % down payment was {$22000.00} on a home. A 20 % down payment was {$45000.00} dollars. These two numbers I was using to figure out payment on my XXXX  website, XXXX, and or XXXX. I found and paid {$350.00} dollars to do a home inspection on a home I intended to buy. 
The actual loan paperwork sent by Fairway Loan Officer XXXX XXXX contained a Down payment of now {$75000.00}, a 33 % loan, a rate now at 2.85 % and a loan amount of only {$150000.00} No response from any person at the company at all. I attempted to call the Loan Officer XXXX XXXX on two separate occasions, got voice mail, then a text " I'll call you shortly '' and then never called back.
Consumer complaint received 2020-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX Bank OF America XXXX XXXX XXXX XXXX XXXX, DE XXXX Date : XX/XX/2020 RE : XXXX To Whom It May Concern : I am writing to challenge the reporting and compliance on an account with { BANK OF AMERICA } that is being reported on my credit report with inaccurate/ incorrect Balance Info. 

More specifically, I am referencing the fact that you are reporting an inaccurate reporting/ a collection account on my credit report. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2020-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

Respected Sir/Madam, I am currently having mortgage Loan a/c XXXX with PennyMac XXXX. For above said mortgage account I have escrow account set up to make payment towards my Property tax and Insurance. From said escrow account, payment towards Property Tax needs to be made on semiannual basis. For current year 2020, PennyMac did one of those payments after due date and second payment has not been done till date. For the past few months I am following up with PennyMac to make second payment due for this year 2020 to XXXX County IL. In all follow ups I had with the Call Center team, it was acknowledge that tax payment for second half of the year was missed and that it would be processed immediately. I had asked team to provide written acknowledgement stating that I had formally lodged complaint and that it would be followed up. Neither did I receive written acknowledgement of the issue nor the team acted upon on the request to make tax payment to XXXX County IL till date. As a result of delay in payment I am being charged interest of {$92.00}. I request that PennyMac be held responsible to make this additional payment as it has occurred due to lapse on its part. I would request CFPB to intervene and resolve the complaint at the earliest.
Consumer complaint received 2018-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Commercial Services, Inc (IL)

This debt was settled and paid to National Commercial ServicesXXXX XXXX a XXXX XXXX on XXXX XXXX. Creditor agree to update my credit profile and as of yet it as not been updated. Still showing a Derogatory make on my XXXX XXXX  credit report.
Consumer complaint received 2023-03-25
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: Chime Financial Inc (OH)

This company is very deceptive. I will be changing banks because of their deceptive behavior. Today I placed an order for merchant XXXX  at XXXXXXXX XXXX ET for {$88.00}. Before the transaction my balance was {$430.00} and now is {$340.00}. The transaction was cancelled by merchant due to system issue and the pending status of transaction at Chime disappeared but never credited back the {$88.00}. only way to contact their ridiculous customer service is via chat and got overseas XXXX who said nothing she could do. I want my {$88.00} put back into my account.
Consumer complaint received 2022-10-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Office of Michael J. Scott, PC (TX)

I set up a payment arrangement in XXXX the day I was served with paperwork stating that I was being sued. I have successfully made XXXX of my XXXX payments with the last payment being due on XX/XX/2022 I have contacted this company several times regarding the default hearing date that I received as I have been on a payment arrangement since XXXX and have requested to speak to someone in the legal department and my request have been denied. I contacted the courts this morning after being informed that a continuance was requested on XX/XX/2022 after my initial complaint regarding this letter. the agent confirmed that the payment arrangement was to prevent a judgement hearing which is what I was informed at the time of setting up the arrangement both can be confirmed on the companies recorded calls. I reached out to the courts this morning and they have no record of a pending continuance case. at this point if I am required to take off of work on XX/XX/2022 I am demanding that my time off work be compensated as well as the file be dismissed because I have done my part however this company has not.
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I got a recent credit report after being charged high interest on a car loan for over 2 years and realized from the report that the information reported was wrong and not going back to the date I was issued the social security number and started having credit which was in the year XXXX. I went online printed my Social Security statement showing issue date of my history going back to XXXX, mailed them a copy with a copy of my drivers license Social security card, proof of mailing and a letter with a copy of the credit report sand all I got was a new copy of the credit report with the same information. I wrote back with the threat of the complaint and never heard from them, I guess this department dose n't mean a thing to them. 
My credit file shows my history only going back 3 years making it new credit with no experience thus opening the door to get charged higher interest, higher insurance rates, inability to purchase a home or get a mortgage. 
This is all a scam to get kickbacks by reporting wrong information then avoiding the issue. Furthermore all my payments are on time I have a 32 % usage of my credit limit, worked at the same job for 31 years lived at the same place for 18 years, have the same phone number for 15 years yet my score is below than a person who has a recent bankruptcy. Why?
Consumer complaint received 2023-03-25
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: Experian Information Solutions Inc. (TX)

In accordance with the fare credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15USC1681. 
Account name XXXX, XXXX, Experian have violated my rights. 
15USC1681 section 602A states that I have the right to privacy.

15USC1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC1681C. ( A ) ( 5 ) section states no consumer reporting agency will make any consumer report containing any of the following items of information, any other adverse items of information other than records of conviction of crime which antidate the reporting by more than 7 years.
Consumer complaint received 2020-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (KY)

After 13 yrs using CITI card on XXXX I was a victim of two fraudulent charges in 2020. As I began disputing charges with XXXX CITI abruptly closed the account w/o my knowledge. Now XXXX  can not process refunds due for {$110.00} balance. CITI reports monthly to credit bureaus that account is past due and is charging fees monthly to a closed account.
Consumer complaint received 2023-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

I have a victim of identity dei have but notified of lawsuits pendant and outstanding debt that is not mine I have corrected this with several companies but XXXX XXXX XXXX  has summons me with lawsuit paper of with a default judgment was granted due to me know being educated and on giving aple time to prepare for my case I have no knowledge of said company and have requested Jefferson capital to send me proof of debt which the refuse to send causing the end result of said lawsuit to be rendered in there favor
Consumer complaint received 2023-06-13
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. (CA)

I sent investigation letters to each of the three credit reporting bureaus on XX/XX/XXXX, to investigate the XXXX XXXX account XXXX on my credit report. Each of the credit bureaus conducted an investigation and concluded that the account was verified and updated. Yet, at the end of the investigation, the payment history across the three bureaus is not 100 % accurate. 

For instance, after their investigation, XXXX reports that the XXXX XXXX account ending in XXXX was 150 days late on XX/XX/XXXX, then there is no data until XX/XX/XXXX illustrating the account as a charge off. Equifax and XXXX, on the other hand, both report that I am 120 days late on XX/XX/XXXX. For Equifax, there is NO DATA until XX/XX/XXXX when the account is reported as a charge off through XX/XX/XXXX. XXXX is reporting a charge from XX/XX/XXXX to XX/XX/XXXX. 

Based on 15 USC 1681i ( a ) ( 5 ) ( A ), if an item is found to be inaccurate, the credit reporting agency should delete the account from the file of the consumer.
Consumer complaint received 2023-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (NV)

In XXXX of 2021, I went to XXXX XXXX XXXX for a doctor prescribed X-ray. 
I presented my XXXX card along with my XXXX XXXX XXXX XXXX card that together pays for 100 % of such services. 

They evidently billed me for an additional {$75.00} and turned the bill over to a collection agency called XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX, NV XXXX. The collection agency added {$4.00} to the bill, which should have been paid by my XXXX forms of insurance if XXXX XXXX XXXX would have billed them properly. 

I have called XXXX XXXX XXXX and they simply told me to contact the collection agency turning the whole bill into a circular unresolved problem.
Consumer complaint received 2020-11-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Credit Card Receivables Fund Incorporated (FL)

RE : UNIFUND unfair collection lawsuit UNIFUND is suing me over debt I'm not even sure that I owe. They never provided complete documentation despite my stating that I don't have it in the pretrial mediation. 

Also, I am a widow who supports a minor child with social security survivor 's benefits. During this year, I also received some unemployment payments from a part-time job. I understand that both are automatically exempt from collection. That is the mainstay of my financial support for my child. 

I do have a part-time job, too, but, under Florida law, I am exempt from any collections of that as I am the wage earner for a minor child. 

It is my understanding that either is not subject to garnishment and I do not own any real estate or extraordinary assets. 

Further, by the time my minor child turns 18 and is no longer covered by the Florida wage exemption law, the debt will then have fallen out of the statute of limitations for collection. 

THEY ARE WELL AWARE OF ALL OF THIS. I have informed UNIFUND 's Compliance Officer, XXXX XXXX, and their attorney ( XX/XX/XXXXand XXXX of XXXX, Florida ), however, they persist in suing me over it and my case is now set for trial in XXXX. 

I have reached out to attorneys to defend me, but have yet to get representation.
Consumer complaint received 2020-11-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (VA)

The lender settled a 34 state lawsuit for unfair lending practices. 

I've tried several times calling and speaking to representative with the company with no help at all. No answers at all. 

When I got my loan I was under extreme pressure by the car dealer to take the loan from Santander to purchase my vehicle. I was never notified that Santander didn't use my credit score they used an Unknown Internal Score to give me the loan. 

I believe that was unfair because I was never actually given the opportunity to know if other lenders would offer me a better interest rate. I was also told by the dealer that I had already committed to the loan and that I couldn't stop the process.
Consumer complaint received 2020-11-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (AZ)

I don't know why they keep calling me, several times a day and several times a week and weekends. It could be a debt I owe, but I will not answer my phone and give them any information. Now several times a day, every day, they have been calling a friend. I don't know how they got his number but I'm furious about it. Whether or not this is my debt, they have no right to call another person 's number and ask for me.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NM)

I have consistently disputed the inaccuracies in the provided information with Experian, and XXXX ; regrettably, the matter remains unresolved to date. 

Experian XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XX/XX/year> XXXX. The following personal information is incorrect Employers : XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX. Under 15 U.S.C. 1681i Paragraph ( XXXX ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX Account Number : XXXX This is not mine. 
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX AZ XXXX Please remove this inaccurate information from my credit report. 

XXXX XXXX. The following personal information is incorrect Previous Address ( es ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX NM XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX NM XXXX. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX Account Number : XXXX This is not mine. 
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Please remove this inaccurate information from my credit report