davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (IL)

My very elderly mother took out a HealthiPlan credit payment plan administered by Comenity Capital Bank on XX/XX/2019 to finance her XXXX  XXXX with the express understanding from the manufacturing company that I would be able to administer the account as her only immediate family and power of attorney. My mother is XXXX years old. When I attempted to contact Comenity on XX/XX/2019 to discuss the current balance due, they refused to discuss my mother 's account with me unless I sent them a copy of her Power of Attorney document designating me as such. As she is XXXX and XXXX  XXXX, and I live in another state, that was not practical. I explained this to them. The customer service representative and her supervisor were both very abusive, rude and unhelpful. When I called again on XX/XX/2019, they changed their story and now said if my elderly mother called them and gave verbal authority to make me an authorize speaker for her, they would discuss her now overdue amount and the late fee they had charged, which I wished to contest. Despite it being very exhausting and distressing for my mother to try to work her way through their automated system and make the very specific request that they demanded of her, she did exactly that. I called the company again today ( XX/XX/XXXX ) to try to discuss the bill and removal of late fees as they had made no effort to contact me directly in the last 5 months, yet they still refused to discuss the account with me and said I was not authorized to discuss late fees with them. Again the customer service representative was very rude and curt and unwilling to provide me with any advice or further help. I feel that they have been misrepresenting themselves throughout the entire process and giving me and my very elderly mother different hoops to jump through, at the end of which they still refused to discuss the one thing I told them I wanted to discuss back on XX/XX/XXXX. On every occasion that I contacted them, I said that I was happy and eager to get my mother 's account up-to-date as soon as they removed the late fees, which I feel were unfair given their refusal to work things out with me in a timely manner. Throughout these 4 months they have never once tried to contact me directly, but continue to make collection calls and send collection notices to my poor mother.
Consumer complaint received 2019-09-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OPORTUN FINANCIAL CORPORATION (CA)

I owe a loan i took out from company Oportun in XXXX california. i owe about XXXX i have fallen behind since i had a baby and then was on XXXX and quit my job found a new one but i couldnt catch up to continue making payments and they have called me non stop and are now calling references telling them about my debt information which i called today and asked them to stop but since i have also told them to stop calling me that freedom debt relief would contact them they will probably continue discussing my business with my references i put for me to take out my loan.
Consumer complaint received 2022-07-14
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: EQUIFAX, INC. (NY)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2019-09-06
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. (TN)

I have submitted police reports to all three bureaus stating to them that someone stole my identity. I was waiting on directive from attorney before submitting police reports. I have disputed these items time and time again due to identity theft. I wish for these items to come off of my report immediately. I am seeking a resolve in this matter!
Consumer complaint received 2021-03-05
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. (TX)

There are twoXX/XX/XXXX card accounts listed on my account, the first with a {$1600.00} credit limit and a close date of XX/XX/XXXX, but a last payment date of XX/XX/XXXX and pays as agrees status through XX/XX/XXXX. These late payments are incorrect and should be removed, but they have not been. Is is apparent they are incorrect as the dates do not line up and there is no payment information for the times the account was actually open. The second account is listed as a charge off paid on XX/XX/XXXX and opened in XXXX, but with no pays as agreed information and no credit amounts listed, only two 30 days past, one 60 days, one 90, and then a charge off, in XX/XX/XXXX. This account was in good standing until it was closed, and that should reflect on my credit report.
Consumer complaint received 2019-09-06
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. (TX)

Ive disputed this incorrect information over and over. None of my student loans are delinquent or in default. The bankruptcy was dismissed and there is a XX/XX/XXXX balance because I consolidated all of my loans into one. This is negatively reporting on my credit report and is an issue. My balance is {$0.00} and has been so how could this continue to be reported negatively by XXXX. My account with XX/XX/XXXX is and has always been in good standing but XXXX is the problem!
Consumer complaint received 2019-09-06
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. (TX)

Ive disputed this incorrect information over and over. None of my student loans are delinquent or in default. The bankruptcy was dismissed and there is a XXXX balance because I consolidated all of my loans into one. This is negatively reporting on my credit report and is an issue. My balance is {$0.00} and has been so how could this continue to be reported negatively by XXXX. My account with XXXX is and has always been in good standing but XXXX is the problem!
Consumer complaint received 2024-05-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (OH)

After 5 months of my husband calling to resolve issues making payments on our mortgage, I called today. 
Three months ago, our payment kicked in and out multiple times. 
My husband was told we could no longer make auto payments. 
We paid multiple bank fees associated with these returns. 
My husband noticed his bank account number was different in the loan app. 
He was told he must have changed the number himself. 
No reason why he would do so, as he has not changed banks nor account numbers since before we purchased the home. 
He made more calls, was told he could no longer pay from his bank account. 
He was told we must pay by official check via us mail. 
We sent requested checks, still awaiting checks to be credited to our mortgage. 
THE MAN TODAY REALIZED THE PROBLEM. THE COMPANY WAS HACKED IN XX/XX/2023. WE WERE NEVER NOTIFIED OF THIS DATA BREACH. HE HAS SEEN IT WITH OTHER CUSTOMERS EXPERIENCING PROBLEMS. LOAN ACCOUNT NUMBERS HAD BEEN ACCESSED AND NUMBERS WERE TRANSPOSED. 
We had incurred fees with both the mortgage company and the bank. Payments have been late and we are still struggling to sort it out. Multiple payments were taken and returned. My husband attempted to call attention to the account number discrepancy and was silenced. 
All to find out there was a data hack, we were not the only customers, and both our finances and our credit reports have been hit multiple times. 
Why were we never notified of this data breach? 
Why did no one before today know about it? 
Why were we made to stress for weeks and months? 
I was told to wait until our last two payments via certified check clear, then make all further payments by phone only. I was told the app will still have the incorrect, hacked account number, and our payments will continue to be misdirected. I should call in the future and perhaps someone in loancare IT can remedy the mistake in the app. 
So they told no one about the data hack, they currently have no blanket fix for the hack, and although we ( hopefully ) sorted it out today, the situation has not been rectified. Our credit has suffered, our always on time payment record is now blemished, and we have paid extra funds for mistakes not make by us. The company still had no intention of solving the problem or admitting it's security risks.
Consumer complaint received 2019-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken (OH)

I was making a deposit to Kraken.com I followed the wire instructions. 
I wired {$14000.00} to XXXX XXXX XXXX XXXXt from XXXX XXXX the fed transmitted it ( XXXX # XXXX ) on XX/XX/19. 
I received {$240.00} credit in my account instead of the {$14000.00}. 
I opened a case with kraken. ( ticket # XXXX with XXXX ) They said they would look into it ... 
days went by. I didn't get any response when I asked for an update. 
I finally wrote about it on XXXX and then I got a response that they would look into it. 
Tuesday XX/XX/XXXX I finally got a call from XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX She said the fedwire file was corrupt so I got credited with someone else 's wire and that my wire wasn't credited to anyone. 
She said that XXXX  XXXX would get my money and then credit me ... This was going to happen by Friday the XXXX. 
Friday she called me and said they ( XXXX XXXX ) wanted to get a corrected file from the Fed and make sure it was crediting the right people and that I would get it tuesday. She said she would call me back Tuesday as well. Well no one has contacted me from XXXX, XXXX, or XXXX XXXX since. My {$14000.00} remains missing. 
Other people have told me about cases where their money was missing for weeks and questioned XXXX XXXX XXXX money management. 
I am really worried and don't know what else I should do Thanks
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: EQUIFAX, INC. (GA)

My credit is very important to me and I had some severe health issues and was hospitalized. I tried working with the creditors but I received no help. I filled bankruptcy and I still have old things from that on there. I'm at a complete loss on what to do.
Consumer complaint received 2022-07-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2019 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2019-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (LA)

On Friday, XX/XX/2019, I called in to make a payment by phone. At that time, I authorized a payment in the amount of {$2000.00}. I was given a confirmation number ( XXXX ). On XX/XX/2019, I checked my banking account and discovered that {$4000.00} had been withdrawn for payment. I did not authorize that amount. I want the funds returned to my account.
Consumer complaint received 2019-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

Penny Mac had my mortgage, but sold it on to XXXX in XX/XX/XXXX. 

I spoke to XXXX XXXX in XX/XX/XXXX. 
She says that Penny Mack had taken > {$5000.00} for flood insurance in XX/XX/XXXX and for Lender Placed Insurance in XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX. Both over {$9000.00} each. 

I have faxed over proof that I had flood insurance. 

I had insurance thorough my agent XXXX XXXX with XXXX   XXXX and we had to switch insurance to XXXX XXXX as XXXX  pulled out of insuring Florida. 

Penny Mack chose to not pay my insurance company and instead imposed their Lender Placed Insurance at triple what I should have been paying. I have given my Insurance company 's telephone number and proof that they had sent the request. 
They have not contacted them. 

I have faxed various letters, spoke to various people and had a few calls saying that they would sort it out. Then it becomes another person.
Consumer complaint received 2022-07-26
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. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2019-09-06
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. (CT)

XXXX payments contacted me because payments set up for XXXX were not processing on my card. As soon as I was notified of what was happening I paid in full. Ive been working with XXXX XXXX and had no idea this was happening. They said they tried calling me, but Id recently been getting bombarded with telemarketing calls about health insurance so I was ignoring out of state calls. I also just moved which I can also prove, so any mail came to me very late. Please help. This wasnt purposeful and it hurt my score XXXX points. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-25
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. (NH)

I have a car loan through XXXX XXXX. I recently realized they incorrectly reported me late for XXXX, XXXX, XXXX, XXXX and XXXX XXXX. I submitted a complaint and requested they correct their error. I enclosed the relevant payment history which shows I was never late. XXXX responded by adding 6 months of alleged late payments. My report now shows me being late for 10 months when I have never been late on the account. The first 4 were the result of XXXX not properly crediting my first payment. The addition of the last six months can only be defined as intentional harassment. I not only never went 30 days late on any payment I have paid more than required every month. I am most furious about the claim my account was late from XXXX through XX/XX/XXXX including a claim I was 60 days late in XXXX. I sincerely want to receive the {$1000.00} for each offense pursuant to FCRA. The letter I sent to the agencies and XXXX is attached as are the payment history from XXXX 's own website and a copy of the credit report submitted by XXXX. The original complaint and XXXX 's payment history show I was never late. Had XXXX properly recorded the first payment made XX/XX/XXXX there would be no issue.
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (GA)

ive been trying to get Equifax to unfreeze my report, im in the process of buying a vehicle and they say that my report is unfrozen but when the banks pull it up it does show up, and yes ive sent all the documents that they need me to send including verifying my identity which ive done several times and ive also spoke to the supervisor several times. they need to fix the problem on there end so i can able to do what i need to, by them not letting me see my report is a big violation to my consumer rights.

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

I contacted " THE COMPANY '' and asked for them to investigate & remove the fraud alert from my consumer report that they are illegally reporting.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Consumer complaint received 2019-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Everest Receivable Services Inc. (OR)

I was called by Everest receievable services saying that they were collecting a debt that I had no awareness of. When I asked for more information, I had to verify my address and the last four digits of my social security. The agent then told me that I owed just over {$2000.00} from a XXXX credit account. I told the agent that I have never had a XXXX credit account and that it was not my debt. He stated that the debt was from XX/XX/2017. I again stated that the debt was not mine. He said I would have to complete a fraud form and he would send it out. Once I got off the phone with him, I immediately checked XXXX, saw that I have never opened a credit account with them, then I went to XXXX and ordered a credit report and score, the XXXX documents showed no XXXX account and nothing in collections. I am extremely concerned now that this was a scam to get my address and last four digits of my social.
Consumer complaint received 2018-11-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (PA)

They repossed my car for $ XXXXGranted I know I was late for XXXX payment. I am the only invome in my household. My fiance had to quit her job to take care of our XXXX year old baby that has special needs. When I called them I said I paid {$530.00} in XX/XX/2018 how am I late. She said there was still {$35.00} that was 50 days past due? Once again I asked her how when I gave them {$530.00} in XXXX she couldn't give me an answer. Now they tell me I gota pay {$960.00} to get my car back..I don't have that kinda of money and I was never notified that I still owed {$35.00} on my overdue charges. They repossed my car for late fees? Like I said I paid {$530.00} in XXXX how is there any fees? Can you help please. I have all bank records and I have told the repeatedly my situation.