davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (GA)

I legitimately owed XXXX XXXX XXXX, FBO XXXX XXXX FBO of Midland Funding, money from an old XXXX XXXX XXXX purchase. I was served paperwork notifying me of a attempt to seek Judgment against me. Upon receipt I immediately PAID THE DEBT IN FULL. The payment date was XX/XX/XXXX. I paid with two money orders 1. ) {$1000.00} - Money order number XXXX. Was sent to Midland Funding 's attorney on XX/XX/XXXX and cashed by Attorney XXXX XXXX. XXXX on XX/XX/XXXX. 

2. ) {$700.00} - Money order number XXXX. Was also sent to Midland Funding 's attorney and was cashed by Attorney XXXX XXXX. XXXX on XX/XX/XXXX. 

Those payments would have paid the account in FULL> Yet they continued to report to the credit agencies that the money was due and as of XX/XX/XXXX they STILL are reporting the funds due. 

Secondly they went to XXXX County Court and sought a Judgment against me, that Judgment was granted on XX/XX/XXXX. They claimed that I did not answer their complaint, another false statement as I answered the complaint and I PAID IN FULL prior to the date they state that I became in default. According to the Judgment I went into default on XX/XX/XXXX. I had paid in full on XX/XX/XXXX.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (WA)

I have a credit card from Barclays Bank and have maintained this account in good standing since XXXX. 

However, entirely because of Barclays repeated failure to follow its stated policies and stand behind what its representative assured me by phone would happen, I have been charged {$59.00} in fees plus interest of {$47.00}. 

Twice, I wrote to the company with the details, and both times the response has been a form letter essentially suggesting that nobody cares. 

On XX/XX/XXXX, I mailed a check for {$5200.00} to Barclays which more than covered my balance, due 13 days later, on XX/XX/XXXX. On XX/XX/XXXX, Barclays received my check. 
Barclays did not present the check to my bank. 
Barclays did not credit the payment to my account. 
Barclays did not give its own relationship managers any way to know that it had received this check. 

On XX/XX/XXXX when I noticed my payment was not credited, I called and talked to Barclays Relationship Manager XXXX. He advised me to stop payment on my check, which apparently had been lost in the mail. He told me that if the check somehow were presented to my bank and returned, Barclays would waive any fee for that. 

On XX/XX/XXXX, I still had no way to know that 16 days earlier, Barclays had received my check. I determined that it had not been presented to my bank, and I instructed my bank to stop payment. This is what Barclays had instructed me to do, and XXXX charged me {$30.00}. 

Later that same day, I spoke to another Barclays Relationship XXXX, XXXX, who told me the check had been credited to my account the previous day. She also told me that Barclays had begun trying to verify the check on XX/XX/XXXX. 

On XX/XX/XXXX, I wrote a detailed letter to Barclays following the instructions for doing so that are printed every month on my statement. In return I received a form letter stating : We are currently unable to complete your request. The letter instructed me to call customer service. 

I did so and spoke with still another Barclays Relationship Manager who told me the {$29.00} returned payment fee was valid and could not be waived. 

On XX/XX/XXXX, Barclays charged my account {$47.00} for interest charge on purchases even though my account had been fully current since XX/XX/XXXX. ( One month earlier, on XX/XX/XXXX, Barclays charged me {$130.00} interest. Later, without any explanation, Barclays reversed that charge. ) I have tried to resolve this by letter and by telephone, without success. The problem was entirely caused by Barclays, not by me.
Consumer complaint received 2024-03-01
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)

1. The account you are reporting is identified as an installment loan which is factually incorrect. Please remove this account from my credit file immediately.

2. The true account type for this account is a Credit Sale Agreement. Please remove this account from my credit file immediately.

3. I have the right to an accurate credit file and discrepancies like this are unacceptable.

Please remove this account from my credit file immediately.

4. monthly payment reported on this closed account- how can there be a monthly payment on an account that's not even open? 

RE : XXXX XXXX XXXX XXXXXXXX I accept no responsibility for ownership of this debt ; I recently views some inaccurate information reporting on this repossession account. Since your supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus. REVIEW this account immediately and REMOVE it from my credit report. Once a vehicle is sold at auction I no longer owe the original debt and the information you have on file is incorrect : XXXX Account : XXXX I look forward to resolving this matter quickly. Send me a new FREE updated credit report via mail within 30 days. you only have 30 days to respond or I will file a complaint!
Consumer complaint received 2023-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2020-07-31
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. (NC)

An account for a Line of credit with XXXX XXXX XXXX XXXX was paid in full. A letter was sent FROM the original creditor to the credit reporting agencies XXXX & Equifax to update and reflect the payoff. They have refused to update the information correctly multiple times and they are still reporting negative information on the credit reports. This is continuing to damage my credit file and action needs to be taken immediately. The LOC account with XXXX currently shows a balance of {$490.00} and the balance should show {$0.00}. PAID IN FULL!!!! Please look into this matter immediately as this has been an ongoing issue.
Consumer complaint received 2018-12-13
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. (FL)

I have been the victim of Identity theft the following inquiries were not authorized by me and these are the final items I have noticed : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-08-13
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: JPMORGAN CHASE & CO. (NC)

I have noticed that Chase Card have placed an inquiry on my XXXX  and XXXX   credit file dated XX/XX/2018. When i was aware of this i contacted both Credit Bureaus and was told by the fraud team they cant dispute unauthorized hard inquiry 's. 

As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Both XXXX  and XXXX report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; '' You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law -- performing a " hard inquiry '' on my XXXX  and XXXX   file without my permission. I do hope that we can settle this matter amicably. 

You can remove the inquiry within one ( 1 ) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees.
Consumer complaint received 2018-08-13
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. (CA)

As of XX/XX/XXXX, I had a TransUnion credit score of XXXX. On XX/XX/XXXX, my credit score dropped to XXXX, due to XXXX, XXXX, XXXX XXXX  XXXX fraudulently reporting an open collection account dated XX/XX/XXXX, with XXXX  XXXX. I filed a Chap. XXXX bankruptcy which was discharged XX/XX/XXXX. XXXX  XXXX, XXXX ( XXXX XXXX ) was part of the bankruptcy. I contacted TransUnion and XXXX, XXXX, XXXX XXXX XXXX. and telephonically disputed this erroneous account. I then mailed them a copy of my discharged bankruptcy documents showing that XXXX XXXX was a part of my bankruptcy. Between XXXX XXXX and XXXX XXXX, TransUnion removed the disputed collection account from my credit report, but they did not restore the full 97 points that they took away from me as a result of XXXX reporting this fraudulent open collection information to TransUnion.
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (TX)

I received a credit monitoring alert at XXXX in the morning from my Chase XXXX banking app, that there had been a NEW hard inquiry placed on my credit report from XXXX XXXX. on XX/XX/2024 I called XXXX ( the bureau that alerted me ) and had a Fraud alert placed on my XXXX account. 

Next I called XXXX XXXX and spoke with their fraud department and was told there was nothing I could do but dispute the hard inquiry with XXXX. 

I was told by the XXXX XXXX fraud agent, that it was probable that my social and other info was being used by someone else to commit fraud, and that there was nothing he could do. 

He mentioned that he could not find any accounts with my social, name or phone number. 

I have indeed disputed the hard inquiry with XXXX and was told it would be removed from my credit file within a few days.
Consumer complaint received 2022-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AL)

XXXX of XXXX I called and asked why my balance was over {$13000.00} when I only had 15 or 16 payments remaining on my mortgage and was told they did not know but that I would have to pay the balance. After months of calls in XXXX of XXXX I sat down with all my paperwork and found the problems. 
I purchased my home XX/XX/XXXX and the contract stated the amount financed was {$40000.00}. But as I was looking for the problem the amount that they financed was {$43000.00}. I had paid {$3200.00} to get my interest rate lowered and someone charged it back to the balance. Then I realized that the interest rate was charged at 15.09 % and it should have been 13.75 %. I send a dispute to Shellpoint and received a letter stating that they were going to credit my mortage XXXX plus XXXX for interest. I have sent another dispute about the interest. XXXX 15.09 % interest for 20 years is {$6200.00} not {$2400.00}. So, the amount credited should have been XXXX plus {$6200.00} = {$9500.00}. 
Also, the interest charged on the XXXX was {$87000.00} it should have been {$78000.00} so i was overcharged {$9500.00}. So by my calculating I should have been credited {$19000.00}. 
During the 20 years I had deferred 5 payments. My payments should have been {$490.00} but I paid XXXX. So I paid {$39.00} every month that should have gone to the principal. This should make a huge difference. If they want to go back I have 90 % of all my statements from XX/XX/XXXX to present. Not to mention the amount that I have paid on the principal only. 
One of the Supervisors advised me that they had found Mutiple accounts that were done the same way I am not worried about the other accounts only mine and my Home is to be paid off XX/XX/XXXX. 
I have been spoken too badly one of the representatives was XXXX XXXX and he screamed at me and told me that I would have to pay the balance that was showing by Shellpoint, another told me not to call back that was is XXXX of XXXX.
Consumer complaint received 2021-06-10
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. (GA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

This is an additional complaint, about a continued failure of PHH to comply with Federal law and pay a delinquent tax bill on a property that they service the mortgage for. Consult the first complaint for the circumstances that led to there being a delinquent tax bill. 

This complaint is a separate, second issue, which is that once I notified PHH of their previous failure, they have continued to fail to correct the action by paying the bill. I first notified them on XX/XX/XXXX through their website. Then as of early XXXX I started routine phone calls with " escalation managers '' who are utterly incapable, unempowered, to do anything about the problem. They say that they have passed along the problem to the tax department, but they refuse to put me in touch with that department. 

As is stated on the delinquent bill, and as I have stated with every conversation with PHH, if the bill was not paid by XX/XX/28, the county would be advertising my name in the newspaper as a delinquent tax payer, and charging me a fee to do that. 

Being that such action would cause irreparable harm to my reputation, beyond the harm already caused by having my bill marked as delinquent in a public-facing search, I elected to pay the bill and the late charges out of pocket to prevent the advertisement. I have not notified PHH of this action, because I'm curious to see how long it takes for them to get around to fixing the problem that they have created. When I spoke with the supervisor of the escalation managers, after the XX/XX/28 final due date, she said " be assured, it will be taken care of. '' Taken care of? If the bill wasn't paid as of then, it was already about as not taken care of as was possible. Clearly PHH is perfectly fine with my name being advertised in the newspaper as a delinquent. If this had played out, I would have been happy to sue them for this, which would have changed absolutely nothing but would have wasted plenty of my time and their money. 

As of now PHH continues to delay and take no action, perhaps up until the point of the county foreclosing on the property and selling our home, all because of PHH 's inaction despite repeated calls, a Notice of Error, and the previous CFPB complaint. Meanwhile all I get from them is letters that say they need more time to investigate. There is no more time! These proceedings have deadlines, and those deadlines have passed.
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank/ Care Credit has neglected to close an account that I paid in full on XX/XX/XXXX. They show that a payment has been made in the amount of XXXX but can not verify that it was paid off. On XX/XX/XXXX, I spoke to XXXX, employee number XXXX who accepted this payment and confirmed that my account was paid in full. On XX/XX/XXXX, I spoke with XXXX at desk XXXX after realizing this account was still impacting my credit. She informed me that she could not see this account was paid off and that she would escalate a dispute on my behalf. She could not provide any documentation that this was done. This companys deceptive business practices has proved to be detrimental to my credit score and reporting history, as they are STILL reporting this account to be past due and delinquent. I plan to prosecute this company to the full extent of the law and seek damages if this is not resolved.
Consumer complaint received 2018-05-02
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)

These inquiries is on my credit report and I need them all deleted from all three Credit Bureau, I never authorized these hard inquiries XXXX XXXX- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX/XXXX -- -XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- -XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- - XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX ( twice ), XX/XX/XXXX ( twice ) XXXX XXXX XXXX   -- XX/XX/XXXX XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX -- -XX/XX/XXXX
Consumer complaint received 2022-07-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Over 30 days ago, I wrote to your company indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays dat XX/XX/2022 XXXX / TransUnion has not responded/ replied/ answered to my dispute and therefore must update from my credit file. 

DEPT OF ED/XXXX XXXX and DEPT OF EDXXXX XXXX Under the Fair Credit Reporting Act, your bureau was to have completed/ finished its reinvestigation of the disputed information within 30 days. I am requesting/ seeking/ demanding your assistance in the verification of the disputed data from my credit report. Kindly send to my address provided above an updated credit report as proof that this/ these have been updated.
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I called Bank of America to remove a deceased individual from my account. The estate did not have to go through probate, due to size per probate judge in New Jersey. I visited the Bank of America branch in XXXX, New Jersey to remove XXXX XXXX XXXX from the joint account ( XXXX XXXX XXXX ), and again in XXXX at the XXXX XXXX XXXX in XXXX, TX. I tried to remove XXXX XXXX XXXX again this week and found my accounts with a 50 % hold until I submit NJ XXXX forms and another death certificate. This has been done twice already. I found the estate case XXXX, XXXX XXXX, very condescending and not helpful. He offered to send the necessary forms to my email, but these were not received. I had asked to speak to his supervisor, XXXX XXXX, but was told she was not available and would call in 48 to 72 hours ( I phoned on a Friday, so this was not possible ). I believe the holds were retaliation from threatening to remove my accounts from my impatience of having to do this for a third time. My funds are still on hold and restricted. I work for the XXXX, so if checked get returned for XXXX, it could cause me to lose my job. I spoked to the estate department 's customer service again at XXXX XXXX Central today ( XX/XX/XXXX ) and was promised a call back within 15 minutes, but never received a call.
Consumer complaint received 2022-03-09
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. (MI)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax XXXX XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX Balance {$680.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2022-03-09
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCS Financial Services, Inc. (VA)

I contacted credit collection services to pay a debt that they reported on my credit report. When I spoke to the representative they tried to imply that paying the debt would and updating the account balance to {$0.00} effect my credit score and that they couldn't remove it as that would be a violation of FCRA which is incorrect by both the letter of the law and the case law around this issue. Upon speaking with the supervisor she repeated this information and stated they are trained to tell people this and commonly do so. In addition it took multiple attempts to contact them as they wouldn't answer the phone limiting my ability to pay the debt. Finally they acknowledged that the address they had was incorrect but they made no attempt to get an accurate address and report the information correctly as per the FCRA.