davidheineman/consumer-finance-complaints-large huggingface dataset:
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 information incorrect
Company: EQUIFAX, INC. (FL)

Per court order divorce agreement ex husband assumed XXXX XXXX XXXX XXXX XXXX. I was released from the loan on XX/XX/2018. The account balance was still showing as owned on my credit reports in XXXX, so I called XXXX  XXXX XXXX. Apparently they had not reported that I was no longer on the loan and assured me that my release from the loan would be reported to the credit bureaus by XX/XX/2018. On XX/XX/XXXX I called one of the credit bureau Equifax and they said that the release from the loan had not been reported. I've been back and forth between the credit bureau and the bank over several phone calls. I been transferred to wrong departments and hung up on. The debt showing on my credit report is affecting my score. Also, I would think it's a privacy issue because I can tell how much he continues to pay on his loan and if he's making them on time. Equifax says the only way I can remove the debt from my credit report is to dispute it which will lower my credit score.
Consumer complaint received 2019-09-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I tried to log into my account to submit payment but your website won't let me. It says there are technical difficulties before even getting to a login page. When I call the customer service center, I get extremely rude people who refuse to transfer me to a supervisor, instead, they just hang up. Now im being subjected to negative credit reporting for this issue which I can't control.
Consumer complaint received 2019-09-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Patenaude & Felix A Professional Corporation (WA)

Regarding, Summons Case No XXXX XXXX XXXX, Attorney Patenaude & Felix, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX WA XXXX XXXX I have received through a second hand source a summons to me for collection of debt of {$1600.00}. This summons was never officially served on me, but instead, forced upon my non-relative roommate prior to XXXX XXXX in clear violation of the Fair Debt Collection Practices Act. I am assuming that the collections firm will try to declare that this was a formal serving to me even though I was never present. I am asking XXXX, my designated agent for handling my debts to respond anyway, but making it clear that this is a response based on obtaining a copy of a summons that has never been officially served. 

The summons contains false statements. Namely, I am NOT married. I have been widowed since XXXX. And, they did not make repeated attempts to collect as stated in the summons. I have only received one notice from the collections company which was immediately forwarded to XXXX who responded. It has been made very clear that I actively want to resolve this debt. I am informed that the collections company refused an offer of settlement and repayment and did not offer any counter proposal for settling the debt. A lawsuit is their response instead of attempting to settle or arrange for payments. 

Official written statement from my roommate : *** Received via text message XX/XX/XXXX *** Here is my statement : On XX/XX/XXXX, at about XXXX XXXX. as I was preparing for work. I heard a loud banging noise from the front door. Ignored it for a little bit since Im in the bathroom XXXX and not in a position to answer. Finished my bathroom chores and dressed up for work and I again heard the loud door banging. I opened the garage door hoping to leave and ignore the door, but this guy parked on the driveway blocking my side so I had no choice and annoyed that I have to tend to him. At that point he asked if I XXXX XXXX. Of course I said NO and he asked for my name and after he served me the documents. 
*** end of message ***
Consumer complaint received 2022-03-01
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)

1 ) I wrote a letter ( letter dated - XX/XX/22 to each bureau. I sent a first request for review and deletion based on my most recent Credit Report.I then sent certified mail demanding the Bureau. 
12 ) The credit bureau 's have not responded to my initial or Demand Lette.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (CA)

I don't even know half of this company I have never open any accounts with most of this people the information is wrong this is insane all those accounts too many financial institution that I don't even know. credit cards open I am not even aware of any of those facility that have my information. there is some that are out of state I ma sure my social security number has been used for some of this accounts.
Consumer complaint received 2019-09-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (FL)

Between XX/XX/2019 and XX/XX/2019, a new account in collections was added to your report. The collection agency is CREDENCE RM. The original creditor was XXXX XXXX XXXX. 

I NEVER HAD THIS ACCOUNT -- -THEY NOW PUT IT ON MY CREDIT REPORT
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The information being reported is incorrect : XXXXXXXX XXXX  XXXX Act. # XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX Balance {$960.00} XXXX XXXX  XXXX Balance {$2000.00} XXXX XXXX XXXX Balance {$560.00} XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXXXXXX Balance {$350.00} XXXX XXXX XXXX Balance {$2700.00} XXXX XXXX XXXX Balance {$4200.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX Balance {$190.00}
Consumer complaint received 2020-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX Credit Card says no interest until after the promotional period ( usually 18 months ) which leads most people to believe that if you have a balance after 18 months, they will charge interest on the remaining balance. BUT, THIS IS NOT HOW IT WORKS. If you have even a small balance left after the promotional period ends, they charge interest on the original balance ( not just the remaining balance ), even if most of the original balance has been paid. In my case, I paid down a balance of {$2800.00} to {$750.00} when my promotional period ended. Instead of charging me interest on the remaining {$750.00}, they charged me interest on the original balance, even though most of it ( i.e., {$2100.00} XXXX had been paid off. The interest charged was {$830.00}. Yes, you read that right, a single interest charge of {$830.00} on a remaining balance of {$750.00}. So my balance has gone from {$750.00} to {$1500.00} in only XXXX month, just because of an interest charge. I called customer service twice today, but they were of no help, saying it was my fault I did not read the fine print of the contract I was signing. I asked for a copy of the contract, and they refused to provide it to me! I have card statements to prove what I'm saying.
Consumer complaint received 2020-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

XXXX  represented me and secure a modification with PHH mortgage ( Ocwen ) ON XX/XX/XXXX I was informed that the modification was successful and that I am to pay XXXX on XXXX XXXX. XXXX XX/XX/XXXX I tried to make my payment over the phone, the system stated that no payments can be made on this account. I tried to pay online and I could not because I have limited access. I could not reach a customer service rep because the company no longer have customer service on the weekends. Since this company has took over my mortgage its been a nightmare. My first modification was removed because a customer service rep marked my payment to be taken out of my checking when I clearly said to take the payment from savings. Everytime I called to get it straighten out the customer service rep stated that it will be escalated and for me not to worry.. Now I paid a third party to help me and this phh mortgage again is messing me over with my payments. I HAVE AN AGREEMENT/MODIFICATION TO PAY ON XXXX XXXX.I AM COMPLYING WITH THE AGREEMENT AND PHH WILL NOT TAKE MY PAYMENT. This mortgage company is a predatory company. I want this company held responsible for its deceptive practices.
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (NJ)

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I disputed an error on my credit report with Transunion on XX/XX/XXXX. They then removed the account with ( XXXX, XXXX, XXXX XXXX ) and it showed deleted on my new report on XX/XX/2019. It has now reappeared on my file BUT Transunion never gave me a 5 day notification, as required by law that they had put it back on my credit report. The other CB 's removed the account.
Consumer complaint received 2022-03-01
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. (MD)

I have provided these companies with the documentation required to have accounts listed in the attached documentation, yet some accounts still remain. Ill, again, attach the documents designated to have the accounts reference removed in hopes they would this time follow the law and have it removed.
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NJ)

I have been receiving a phone call every morning at XXXX XXXX for the past two and a half months, XXXX, XXXX and XXXX. The caller ID says Discover and the number that appears is XXXX. I do not have a Discover card nor have I ever had a Discover card. When I pick up the phone they just hang up so I don't even have a chance to question why they are calling. I called XXXX land line and they said they no longer block calls and my older phones do not have a call block feature. I really need help with this issue. 
Thank you
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I have been trying for 30 days to unfreeze my Equifax file in order to apply for a credit card. It was very easy to unfreeze the XXXX and XXXX but impossible to unfreeze Equifax. I have tried dozens of times on their website and made dozens of calls to Equifax phone centers. I have tried both automated and spoke to several employees on multiple dates. I have faxed the requested identity information twice. I was initially told that the wait time for a response would be 5 to 7 business days and then told 30 days. My first fax was sent on XX/XX/XXXX and the second was XX/XX/XXXX. Equifax refuses to disclose why my file has been restricted.
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (IL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$290.00} XXXX XXXX  XXXX Balance : {$3100.00}
Consumer complaint received 2020-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc. (CA)

PROFESSIONAL CREDIT SE has put a collection on my account on my XXXX credit report. I do not know who this company is. I have never done business with them. They are causing me ongoing damage by falsely claiming I owe them a debt. They say I have a past due amount of {$640.00} past due. I do not have a contract with them on anything and they claim the original creditor is XXXX XXXX XXXX XXXX. I have paid my balance to XXXX XXXX XXXX XXXX. The account # is blocked, I can only see XXXX. This is fraud.
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One Did not handle a Dispute properly And i Revoked my XXXX Dollar liabillity clause and they did nothing come to find out they Closed my account After i made the max payment i can afford and Capital one disregarded My Dispute and Retaliated against me by closing my account on my credit report and They say it was closed at consumer request wich it was not and am requesting compensation for the wrong doing of the dispute and my account reopened like nothing ever happened.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-09-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

A Verification letter was sent to collector by certified mail on XX/XX/2019, letter was delivered on XX/XX/2019. The Collector has updated the information in my credit report with the remark : " Account Information Disputed by Consumer '', but I did not get any letter from the collector or proof regarding this account. I was requesting the account was verified to apply for a settlement in case I am responsible for it. I am working on improving my financial life with the Department of Consumer Affairs City of New York. The collection agency was contacted by phone today ( XX/XX/2019 ) around XXXX XXXX but his agent ( XXXX XXXX XXXX was not able to provide information regarding this account, he said I need to call back on Monday XXXX XX/XX/2019 ) or call the legal firm who is managing my account XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I moved out of state in XXXX from XXXX to XXXX XXXX and notified all of my creditors of my new mailing address. I never received a bill from Kohls to my address in XXXX XXXX for the month of XXXX.I received a call from a Kohls customer care rep on XX/XX/XXXX, indicating that I was a few days late on my account. Due to a recent move and an address change, I had not received my latest bill, and I went over again with the care rep what my new address is. This company still had my old address in their system as XXXX XXXX XXXX, XXXX, XXXX and apparently, the bill had been sent there. I promptly paid the bill for the full amount that was owed and gave the representative my new mailing address once more, for future reference. I had told the representative several times that the bill for the month of XXXX never arrived and XXXX was the last bill I had received from them. Here is the bank information transaction regarding that payment that was made in full for the balance that was due according to the agent I spoke with. 

Account : XXXX - ADVANTAGE CHECKING Date : XX/XX/XXXX Description : Debit Card : KOHL 'S CHARGE PAYME XXXX WI XX/XX/XXXX Amount : ( {$540.00} ) Today, I was reviewing my credit report and I noticed Kohls had flagged me as a 30 day late payment notification on my credit report for the month of XXXX. I immediately contacted Kohls and spoke with a XXXX XXXX, a client representative, at Kohls. After discussing in detail the conversation that took place in XXXX with another representative, we discussed that along with my excellent payment history, and my change of address scenario, XXXX then noted the mailing address had been wrong in their system and was just recently updated in late XXXX, which was why the bill was never received. XXXX removed the late charge from my account and informed me that I would need to go directly to the bureau for the removal of the late flag notification for the month of XX/XX/XXXX. He told me to give a reference number of XXXX, as a record of our conversation in which Kohls had agreed to remove the 30 day negative late from my credit record.
Consumer complaint received 2022-03-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Stage Funding (VA)

We asked for a Modication back on XXXX.this company will not help XXXXS.I am XXXX years old on a wheelchair my husband is XXXX years old.we were told that we could appy for a Modication after my husband had compleded his XXXX bankrutdy.That was compleded on XXXX XXXX.our payments have been paid.Some how there was a balance after the XXXX was compleded.We were working Hud and a lawyer to XXXX to get a Modication.Now XXXX  i treating to foreclose on our home
Consumer complaint received 2022-03-01
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)

I contested the following information included on the attached files with Experian and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Experian has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX