davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

According to a recent phone call with the collections department of XXXX XXXX XXXX XXXX, my last payment made to them for my previous revolving credit account ending in XXXX was in XXXX of XXXX. XXXX claims that my balance on said account at that time was {$26000.00}. They locked that account for identity fraud in XXXX as someone I don't know called on my behalf. The balance then was less than the limit which was {$23000.00}. They did not allow me to make payments, which were made faithfully since the account was opened, via my online account as it was frozen also. Their claim was I needed to come to the nearest branch in person with two forms of ID to make cash deposits for the payments from that point forward. The nearest branch to me was in XXXX, OH over 3 hours away. They would also no longer provide me with account statements as they were paperless and I could no longer access my account online. I feel that was against the law and I reached out to them about this and was met with no solution or even acknowledgement. I wrote to them as they would no longer communicate with me by phone at that time. I continued to make payments into XXXX but stopped as they refused to give me any kind of account statement or balance. 

My complaint ( s ) are as follows : The refusal to give me an account statement as well as why is the account being continually charged off from XXXX of XXXX until XXXX of XXXX. According to my Experian credit report ( attached ) XXXX has reported the account as 120 days late in XXXX of XXXX and charged off in XXXX of XXXX which conflicts with what they told me on the phone.
Consumer complaint received 2018-12-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

National credit systems. I paid XXXX dollars to them in XX/XX/2015 for XXXX XXXX XXXX. I have the receipts but they are still on my background checks. I have proof with a receipt it was received. When i went to contact the company on my own they keep saying they have been sold and sold and resold again so they cant locate my information. This is destroying my family and my trust in the government. Why was this not reported to my credit when i first made payment. And now national credit systems wants XXXX for something i paid in XX/XX/2015. This is ridiculous. Ive contacted them once before and they still want more money. Why pay more for something ive already paid.
Consumer complaint received 2018-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (MD)

CFPB complaint # XXXX about M & T BANK The following is a continuation on this account with CFPB. 
I, XXXX XXXX received the re-issued check for {$460.00} yesterday, XX/XX/XXXX. 
The M & T check # XXXX was a re-issue of check # XXXX from XX/XX/XXXX. 

What I didn't receive was the escrow from M & T using my money for almost 4 years.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

I reviewed my credit report on XX/XX/XXXX and saw inconsistencies with XXXX XXXX Mortgage Account. I submitted and online dispute with Experian. They deemed that the information should be updated and not deleted. This information was not consistent across the 3 major credit bureaus.
Consumer complaint received 2018-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

I checked my pre-qualified offers on Amex website and got a offer for Amex Gold Card with XXXX rewards points welcome bonus if I spend over {$2000.00} with the card in the first 3 months. I applied for the card after seeing the offer on XX/XX/XXXX, and received the physical card on XX/XX/XXXX. Since I couldn't find information about the welcome bonus on the paperwork and in their app, I contacted customer service to confirm, and was told that my welcome bonus will only be XXXX. I had been transferred to different departments and talked with XXXX different customer service representatives, each of whom gave me a different reason as to why I didn't get the XXXX offer that I saw at time of application. The first CSR told me there wasn't a XXXX offer when I applied, and asked me to provide a screenshot of the offer at application ( which I don't have unfortunately ) ; the second person told me I had an old corporate card that was closed ( which was for one-time use during interview with a company, in order to cover travel expenses ), and therefore my bonus was lowered from XXXX to XXXX ; the third person told me that the bonus offer may change between when I hit the apply button and when the application gets processed. Three people gave totally different reasons, none of which makes sense. I am very disappointed at the lack of transparency and poor customer service.
Consumer complaint received 2018-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

I have attempted to apply for mortgage assistance with Chase several times since my Ch XXXX bankruptcy and each time I applied they gave me the only option to short sale the property or complete a deed in lieu of foreclosure. They had a realtor come look and take pics of the property in preparation of a short sale. I have been in this process since XX/XX/XXXX. I had an offer right away was almost at closing when Chase closed my file reopened the file only for the potential buyer to walk away. We had to start the process all over again with a new potential buyer willing to give fair market asking price of {$85000.00}. Chase continued to have my realtor sign papers and had the documents forwarded to the buyer all the way up until XX/XX/XXXX. Chase failed to request a postponement of the foreclosure date. When I called Chase XX/XX/XXXX they informed me the House was now in active foreclosure and that they tried to request a postponement with XXXX XXXX the investor and their attorney office. I contacted XXXX XXXX Attorneys office and they informed me that Chase did not reach out to them for postponement. Im very upset because I complied with everything Chase was asking of me and to allow my home to be foreclosed on, the potential buyer who was so patient in this drawn out process now has no deal to close on. From the very beginning Chase has not been helpful in this matter at all.
Consumer complaint received 2024-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lloyd & McDaniel, PLC (MI)

I faxed over verification documents to Lloyd and McDaniel, XXXX, and XXXXXXXX XXXX XXXX, all three said they received the document 2 completed full investigation and closed all accounts due to clear identity theft only waiting on sign offs from Lloyd and McDaniel so that the garnishment can be removed from my tax return but this company refuses to comply to answer the phone to return calls all in attempts to collect a false debt
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I was defrauded by a rental car agency in XXXX for an amount of roughly {$750.00} USD. I filed a chargeback with the dispute department of my Citi XXXX XXXX account on XX/XX/XXXX and submitted all relevant proof and documentation on XX/XX/XXXX ( within the timeframe I was given by the credit card company ). The dispute was marked " closed '' before my documentation arrived, and I was told that it was my fault for not submitting documentation on time. This is untrue based on the timeframe guidelines I was given, but the disputes department is refusing to reopen the dispute and assist me further. Thank you for your assistance.
Consumer complaint received 2020-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

This problem relates specifically to the mortgage servicer, Penny Mac, incorrectly and irresponsibly attempting to force place costly private insurance on my already insured home. Lender placed insurance is an unfortunate necessity for loan servicers but it is exceedingly costly and should be more strongly regulated in its application by a lender and the price paid by a consumer. In this case, no insurance is needed and I fear the loan servicer is using this as part of a systemic abuse that places unnecessary costly insurance for financial gain. 

I purchased a home this past XXXX. The home met all insurance requirements to originate the loan. In XXXX, Penny Mac acquired the servicing. XXXX was my first payment to Penny Mac. All payments have been made on time and no issues exist related to financial performance. 

During the loan transfer, the loan servicer incorrectly input the maturity date of my insurance policy. Penny Mac sent a notification in early XXXX indicating they would force place insurance if I did not rectify. I immediately contracted the servicer via secure message indicating their error on their files, stated that I have the necessary coverage, and provided documentation of the insurance policy, coverage amounts and coverage period. This matter should have been resolved then and there. 

Since providing that documentation on XX/XX/2020, I have not received any reply other than " we are reviewing your file ''. I have re-contacted Penny Mac 3 times and have not had this issue cleared. After a recent request for update, their last communication to me on XX/XX/2020 indicated " your loan is with our insurance group being reviewed ''. 

Today, I received a second notice indicating they will force place unnecessary costly insurance on me if I do not respond. I have responded, I have provided the documents required, I have been the person intimating the activity to clear up their mistake. They have ignored my urging, even when indicating I would report this to regulators. 

Therefore, I urge you, the Consumer Financial Protection Bureau, to help me, the consumer who has done what is needed. Please forward this to Penny Mac and compel them to do jobs. 

Thank you.
Consumer complaint received 2018-12-18
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: ENOVA INTERNATIONAL, INC. (WI)

I contacted all three credit bureaus about this account. It has been 30 days now with no response to my request for them to remove this hard inquiry off of my credit reports.This is causing me a great deal of hardship, I am trying to buy a home and this account has made my credit score go down drastically. I have XXXX children and I can't move into a bigger home with a low credit score. The credit bureaus did not follow the FCRA regulations in regard to this matter they were suppose to respond in a timely manner to my request I sent them certified letters through the United States postal service and still nothing!
Consumer complaint received 2022-03-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

Experian refuses to allow you to dispute hard inquiries over the phone unless there's identity theft. I asked about disputing by mail and they told me I would get the same response ( not worth the 30 days ). I was told that I would have to submit the dispute to the inquirer, but that would lead to a more unfair investigation as it's now done by one party instead of two. The FCRA stipulates that a credit bureau has to accept disputes and forward them to relevant creditors. Sending disputes directly to creditors is simply an alternative option granted by the FCRA, not a requirement.
Consumer complaint received 2022-03-07
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: DriveTime (SC)

Company pulled my credit report shows as a new installment or bank account inquiry.. 

From what I see they are trying to open a loan or bank account using my information, which is called fraud! 


Credit reporting agencies should not be allowed to pull my report as it is not needed to report a bad debt, instead now it looks as if I've applied for a loan or bank account.. 

This should be illegal!
Consumer complaint received 2020-12-15
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 would not believe if I have something in my report but when I went through my credit report I found information that is not mine absolutely. I kindly ask you to help me and to remove account that is not mine. I would like to dispute and have it investigated. I believe that I may be a victim of identity theft. Actually I have never incurred debt with these creditors. It could also be possible you are mixing up this account with someone that has a similar name as me. Please delete this account immediately as I need it asap. When you delete this account please inform all credit reporting agencies.
Consumer complaint received 2024-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (TX)

To whom It may concern, I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response immediately Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am a consumer disputing this information that being reported on my credit file. I am overstanding my right as XXXX stared by law XXXX XXXX XXXX. I am demanding you to remove from my credit file immediately. 

XXXX. Remove Middle name is inaccurate ( XXXX ) XXXX. Employer is inaccurate ( XXXX XXXX. )
Consumer complaint received 2021-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners (TX)

XXXX XXXX was hired to collect a debt that is not mine by Pentrick Capital Partners. Neither XXXX XXXX nor Pentrick Capital Partners can prove that this is my debt. I have asked everyone for proof and nothing ... They keep sending me the same bill, but no proof. Please remove ALL collecting debt from my credit bureaus. This case should not be closed just because the collection companies respond. They need to send PROOF, not just a bill. Thank you.
Consumer complaint received 2018-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

In XXXX of this year I purchased a mattress and adjustable base from XXXX. After several requests for a delivery date XXXX XXXX XXXX ignored my requests so I cancelled the order.None the less the XXXX  deleivered the items several days after my cancellation. My son signed for the order, so I immediaetly emailed XXXX XXXX to come and get the items as the order was cancelled. I put the tiems in storage, never opened never touched. Of course my Discover card was charged for the items which I disputed. Long story short I got a refund from U.S.Mattress for the full amount however Discover Card people have not adjusted my account and it shows over {$2000.00} owing which is the items for XXXX. I have been trying to get this nightmare reconciled but the accounting people at XXXX must have been asleep during their classes in XXXX XXXX becasue they refuse to adjust the amount owed. I have sent letters to the corporate offices of XXXX and numerous emails to thier credit card / financial departments but they are incapable of reconciling this matter. I need your help to interced for me. 
Thank you.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Systems International, Inc. (TX)

I called credit systems on XX/XX/XXXX and paid 2 credit items off my credit and they still show it as a collection account owed and will not remove it off of my credit after a phone conversation with them.confirmation number is XXXX for {$25.00} for XXXX XXXX XXXX and {$40.00} for XXXX XXXX.
Consumer complaint received 2020-12-15
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. (KS)

In XX/XX/2020 I was on my mortgage company website and thought i was being billed a late fee but when i called then a rep told me after a escrow analysis my mortgage was going to increase in XX/XX/2020. I informed the rep I could not afford to pay a higher mortgage so the rep offered an extension on my mortgage, he said I could continue paying the original amount of {$1500.00} for 3 more months instead of {$1600.00} as long as I called monthly and processed payments by phone. Later that month I discovered an error that I made, my payment was not honored but I immediately paid once I realized there was an error. Multiple reps promised fee adjustments and also confirmed my payment extension that the first rep promised. By XX/XX/2020 I got a letter stating there was a problem so I called and was told my account was past due. I offered to pay any past-due amount needed so that my credit wouldn't be impacted so that rep told me to pay {$35.00} and assured me that everything else was already taken care of. She said the XXXX was for the XXXX payment being past due and NSF and said all other fees were already removed. She also mentioned for the first time that i was not eligible for the extension that was promised to me in XXXX and told me that going forward I should pay {$1600.00}. I've asked multiple reps to have the negative report removed from my credit file sinceXX/XX/XXXX rep gave me wrong info that lead to full payment not paid which ultimately considered me past due. XXXX doesn't seem to agree with fixing my credit file. Today, XX/XX/XXXX I got an automated call that hung up on me, I called back and a rep told me I need to pay additional fees despite I have not been late or had any declined checks since the one time in XXXX. XXXX is taking advantage of me, they can't explain why I'm still getting billed more fees and won't accept responsibility for giving me wrong info. I've tried to give them several opportunities to keep this right but they ignore me. I would've just paid the {$1600.00} to avoid this terrible situation and try ro refinance later but now my credit score has dropped very low because a rep at XXXX gave me wrong info, this is not fair. I feel like they are picking on me and mistreating me.
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

As I was trying to get the free credit report from transunion, it asked to put my card information to verify my identity. I put my card in and it charged me XXXX. I tried canceling online and it wont let me. I tried calling but wont go through. This is scammy and I want my monthly XXXX I signed up for canceled and reimburse my money.
Consumer complaint received 2021-11-09
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. (LA)

Multiple phone calls 2 loans from XX/XX/XXXX, one for XXXX, another XXXX settled in XX/XX/XXXX with {$0.00} balance. They were off all 3 company reports for few months before reappearing on all except XXXX XXXX. XXXX XXXX eventually came back as well and all 3 are on it ... .. Not only were they already taken care of and closed in XX/XX/XXXX, AND then the IRS withheld my XXXX income tax return of over XXXX to the Dept of Edu . The 2 fed loan are the same 2 as dept Ed. There is not 4 loans. They have been closed with {$0.00} balance even BEFORE my Tax return of over XXXX was withheld and paid to the DOE. 

The 3 XXXX XXXX charges stem from an ambulance ride back in XXXX of XXXX. How they charge u for 3 bills for one ride, who knows. These were covered and paid by XXXX. They were removed and then came back. I've tried multiple times going in circles. It's frustrating when u spend hours and hours to finally get these errors taken care of, only to pop goes the weasle, they're back. Please help. Thanks