davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Waypoint Resource Group, LLC (AZ)

XXXX I received a dispute report review that an account that was already paid for was still showing up on my credit report with XXXX. I submitted to XXXX both bank statement and offer letter that to the settlement was paid for. XXXX does not want to remove this off my report Ive made to attempt two attempts with XXXX to remove it. The company WAYPOINT RESOURCE GROUP has not updated the amount, even though I told them about it.
Consumer complaint received 2022-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. But the issue is that the website never completely lets me finish the account setup with usual errors ( ie " failed security check '' or " site error, try again '' ) on multiple occasions. Contacting IT department of the bureaus lead to nothing as the agent would " open a ticket '' and no resolution was reached. When the site actually does let me make an account, I can't submit any disputes due to further glitches and contacting IT again leads to nowhere. Last option remains to call their representatives and proceed to dispute through that but when I do call, the reps are too lazy to even properly initiate any disputes. FTC and police report numbers are not taken over the phone and are asked to mail instead. Even after mailing the said documentations over and over again via certified mail and having proofs that the bureau received it, the agents keep denying the receipt and keep hindering my attempts to fix any and all attempts to resolve this drastic information leaks on the bureaus end.
Consumer complaint received 2021-06-02
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: EQUIFAX, INC. (TN)

On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). As much as possible I want to avoid this kind of issue from my credit report and so, I want it to be taken care of.
Consumer complaint received 2022-03-02
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. (WI)

I sent in evidence, also an FTC report stating the accounts I am disputing isnt mine. And still XXXX and Transunion are giving me a hard time! This is torture and very depressing.
Consumer complaint received 2022-03-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (AL)

I engaged USBank ( primary mortgage holder ) about getting a HELOC on my primary residence. 

They made the process very easy to do electronically. 

Whenever trying to access the money they put a limiit on how much is accessible ( only 5 % ). They claim I have to go to a local branch but there are no local branches. 

After the second time of being unable to access funds at time of need I told the rep I was going to move to another bank and they agreed that would be best and term fees could be waived. 

After a 20 min call on XX/XX/2022 at XXXX the CSR transferred me to a loan officer who said i have to go to a branch for a fee to be waived.

I feel these practices of making things easily when in their favor but difficult in my favor are unethical.
Consumer complaint received 2021-06-02
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX the contacted by XXXX XXXX for a job in advertising campaign. Received a Check on XX/XX/XXXX and it didn't cleat the bank closed my account.- XXXX Credit Check Deposit ( Mobile ) Reversal XXXX XXXX Credit Monthly Interest Paid XXXX. 
XXXX XXXXredit Check Deposit ( Mobile ) XXXX
Consumer complaint received 2022-07-22
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc. (TX)

I went to XXXX XXXX with an option to stay at the company and debt would be forgiven. I decided to leave and changed home state. I Called family and went back to my home state to wait on bill, till today I have not received a physical bill. I received calls from swift at the beginning before moths from now I started receiving calls from a third party for collection. I stated to each party that I never received bill. About one month ago they put the debt in my credit report but I never refused to pay bill. I have not received the bill in writing. How can I pay this? Than I also see that the bill was increased by {$2000.00} from the original agreement signed at XXXX XXXX XXXX. This is bad business practice and I am not going to pay bill without receiving physical copy- also date is wrong. I went to XXXX school last year in XXXX. Please see attachment.
Consumer complaint received 2021-06-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

file a dispute on XX/XX/2021 with Transunion, XXXX  and XXXX about inaccurate things and unknown things on my credit report. To this date 95 days I have not received a response yet. It has been well over 30 days and I havent received any investigation results. I feel like I am being taken advantage of and being ignored on my disputes. Also, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. If not deleted I will fill for limitation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten in the hands of the wrong person. I DEMAND THESE ITEMS DELETE RIGHT AWAY.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I submitted to Capital One Finance a request to update the Pay Status on or about XXXX. This is separate from a previous dispute regarding the correct payment date. 
1. XXXX updated the report to show XX/XX/XXXX as the correct date. 
2. If the maturity date was XX/XX/XXXX, the item can not be counted as late on XX/XX/XXXX. The date of XX/XX/XXXX would actually be the first late day, as you can not count XX/XX/XXXX as late. From XX/XX/XXXX ( the first late day after maturity date ) to XX/XX/XXXX ( date I paid and effective date ) is 29 days. 
3. 29 days is still not 30 days, therefore the Pay Status needs to be updated to reflect that I was not late. 
4. The delinquent note from XX/XX/XXXX which initiated this dispute, needs to be removed from my report. 
5. XXXX deliberately refuses to correct the PAY STATUS error as I submitted this complaint directly through XXXX.
Consumer complaint received 2022-03-02
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. (CA)

Complaint is about Experian and how EXCRUTIATING ( and to date impossible ) it is to get human help to resolve a critical active fraud situation. 

XX/XX/2022 : received email via credit monitoring service ( NOT Experian ) that fraud activity was taking place - someone actively applying for and obtaining credit fraudulently ( XXXX  XXXX, XXXX XXXX, Bank XXXX XXXX,... ) I am in process of moving residency from USA to XXXX- so on-line and IMMEDIATE access to help is VITAL. 

XX/XX/2022 : Was able to SUCCESSFULLY and EASILY place credit record freezes via on-line with XXXX and XXXX. This helped to get attempted fraud activity somewhat under control. Experian on-line system refused to authenticate me and I could NOT place freeze on credit info NOR a fraud alert (! ). Experian insists I mail in information- which is useless for immediate action. Experian phone lines/trees will only provide automated/useless help, and no ability to access a human agency regardless of any options chosen ( including XXXX ', " # ', ... ). 

XX/XX/2022 : Discovered that I could place a fraud alert via XXXX, which then took XXXX hours to propagate to Experian. 

XX/XX/2022 : On-line Experian still refuses to authenticate and allow freeze to be place. At least the XXXX initiated fraud alert now shows up on Experian. Tried multiple phone numbers for Experian ( XXXX, XXXX,... ) and ALL result in useless automated phone trees with NO ABILITY to transfer to human agency. ( See clark.com too for helpful suggestions on how to contact a human ). 

XX/XX/2022 : Also, as part of XXXX settlement ( XXXX ID XXXX ), tried to activate the free credit XXXX monitoring service implemented through Experian. This refused to authenticate too (! ), and could not be used in an attempt to freeze my credit info - calling XXXX resulted in human contact, but they were unable to help at all and needed me to wait 3 days (!! ) before a manual verification process could be used to activate account. 

Experian in general has set up their phone trees and their web site to STRONGLY PUSH their UNNECESSARY subscription services, and to hinder any possible activities on the part of someone to quickly and effectively clamp down on an active credit fraud situation. Creating an Experian user account on-line does NOTHING to help implement a credit freeze or to initiate a fraud alert rapidly- this can be accomplished WITHOUT creating an Experian user account ; the account appears to be simply another means for Experian to market their IMO unnecessary subscription services. 

I have had to call XXXX XXXXXXXXl XXXX, Bank XXXX XXXX, XXXX ( and likely others soon too ) because of the delay in being able to implement a simple on-line freeze of my credit information on Experian.
Consumer complaint received 2020-07-30
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: Paramount Recovery Systems, L.P. (MS)

In XX/XX/XXXX XXXX XXXX delivered a bed to my home that was already savaged and I returned it the debt was unsettled and its still on my credit after seven years. I have asked three credit beraus to remove it only XXXX did after investigating the others didnt In XX/XX/XXXX my insurance did not pay my physicians and the Debt was bought by Paramount Recovery in XX/XX/XXXX after not reporting to me that this medical bill was out here they then place it on my credit on XX/XX/XXXX I paid the bill on that day because Im in the middle of purchasing a home. I asked the three beraus to remove it because its holding my progress up, XXXX   removed it but the other two did not. I would like to file a suit because I was not given a chance to pay the bill and it is against the law to place any debt on an individual credit if you can not provide documentation that you requested payment in a timely manner
Consumer complaint received 2021-03-10
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: AFNI INC. (GA)

On XX/XX/2019, AFNI added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, AFNI has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2019-10-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ) bureaus. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-07-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (CA)

This is a complaint against SN Serving corporation. 
I was previously serviced by XXXX XXXX XXXXs, During my last few months with American Portfolio i had requested for my PMI to be removed, XXXX XXXX asked me to pay for an appraisal to be done and if my appraisal came back over {$610000.00} i would qualify to have my PMI removed. 
The appraisal was done through XXXX XXXX Mortgages on XXXX, the appraisal came back at {$720000.00}. 

Right when XXXX XXXX were in the process of removing my PMI, my lone was bright by a new serving company SN Serving Corporation. I contact SN Serving by phone and explained the situation, they went on to say that if i can provide the appraisal and a letter from XXXX XXXX stating that PMI can be removed based on current market value then they would honor this and remove the PMI. 

On XXXX i sent SN Serving Corporation the appraisal and letter from my old serving company stating that PMI can be removed bested on current market value and if my appraisal came back over {$610000.00} i would qualify to have it removed. 
Since sending them this information they have been almost impossible to reach, I have since received a letter saying they don't remove PMI basted on current market value, Even though on the phone they said they would if i can provide the appraisal and letters and they also said on XXXX they would re look at this yet still they will not resolve this issue. 

Its not my flute they brought my loan mid process of PMI removal being completed with my older lender, I have been told i qualify to have it removed and it should be granted. 

They have not tried in anyway to resolve this issue which was in the process of happening when they brought my lone, This has been going on for months now and I need this to be resolved. 

I have never heard of any mortgage leaning refusing to remove PMI based on current market value, they need to honor my PMI removal as it was in process when they brought my lone.
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SIMMONS FIRST NATIONAL CORPORATION (TX)

Simmons Bank delays posting of their payments consistently by two days. I have had to call two different times to have late fees waived. They are charging consumers late fees that they may have no idea is on their statements. In both cases the my checking account received the money in time. While they have waived the fee both times, who wants to spend 20 minutes of their evening getting the fee waived
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Hello, On XX/XX/year> I received a call at XXXX from Capital One requesting a payment on an account that has gone past due. I explicitly said I do not consent to further calls, I have XXXX and often times they call in the morning waking me up. I am extremely fatigued and need rest. I am unable to pay due to this and due to taking time off work. However, despite being told to stop calling, Capital One has continued to call over and over again utilizing an automatic dialer. This is a direct violation of my rights under the TCPA and I am now owed a minimum of {$500.00} per violation. The TCPA provides that " It shall be unlawful for any person within the United States, or any person outside the United States if the recipient is within the United States... to make any call ( other than a call made for emergency purposes or made with the prior express consent of the called party ) using any automatic telephone dialing system or an artificial or prerecorded voice... to any telephone number assigned to a ... cellular telephone service... '' Furthermore, I have not provided any form of consent, neither explicit nor implicit, for your company to call my number, let alone for the purposes of solicitation.
Consumer complaint received 2023-04-10
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: FIRST NATIONAL BANK OF OMAHA (IN)

XX/XX/XXXX XXXX, XXXX, XXXX  As part of a scam on me, I was told to purchase gift cards at this store-as I was purchasing " secured funds '' to replenish my bank checking and savings account that hackers from XXXX XXXX sites ( XXXX and XXXX ) had sent through a withdrawal or {$11000.00}. 
This person-XXXX-said he was from the fraud dept at my bank and was authorized to work with me on getting my money back by using my available credit on my credit card. 
On XXXX, XX/XX/XXXX, I went to XXXX and purchased the gift cards as he directed. 
{$7500.00} was authorized by FNBO, but {$7000.00} was denied. 
I called FNBO on XX/XX/XXXX to let them know of the fraud/scam and they said they would investigate. I called again last week to find out what was going on and the gentleman said because I purchased the gift cards, FNBO couldn't honor the claim and on XXXX, XX/XX/XXXX received a letter affirming the same. This morning ( XX/XX/XXXX ), I spoke to a fraud rep and again exressed my concerns about this matter and had filed a police report, a report with the FBI, and my other credit cards used in this scam, honored my fraud claims. I was not offered an appeal, paperwork to support the incident. FNBO does not offer the appeal as a matter of their policy.
Consumer complaint received 2020-07-28
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. (NM)

Around XX/XX/2020 I started a process to refinance my home. I attempted to unfreeze the credit reports for my wife and me. The Equifax website was not functioning and referred me to a phone number. The automated system had me respond to questions that would identify me. At that point the system said they would text me an access code. On three different attempts the text did not arrive for 3 days. Of course, by that time the codes were invalid. 
Finally I reached a live person who told me to fax my request with copies of Driver 's License, Passport and Social Security Card. After a week of no response, I again faxed my request and documents as well as sent them via USPS. After several weeks I finally received notice via USPS that the accounts were unfrozen.

As a result the original mortgage rate offer was withdrawn and closing delayed for over a month. I'm now awaiting a new rate quote hoping that it will be as favorable as the original.
Consumer complaint received 2018-07-16
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 — Problem with personal statement of dispute
Company: Debt Recovery Solutions, LLC (KS)

Today, I checked my Credit Report through " XXXX Credit Scorecard. '' My score shows me receiving a score of XXXX. When I click on " What's Hurting '' my score, it shows that there is a " Presence of derogatory public record or collection. '' Without seeing exactly what that is ... I am pretty sure it was from a company called " Debt Recovery Solutions '' in which I was contacted several years ago on an alleged payment I refused to pay. After dealing with this for two years, the company finally sent me a letter stating, " our office has contacted the major credit reporting agencies and has instructed them to delete any update we have placed on your credit profile. Please accept our apology for this clerical error. If you have any further concerns, please feel free to contact the undersigned directly. '' The Credit Report says that a " paid collection will remain on your credit report for 7-10 years. '' Since there was a mistake made on " Debt Recovery Solutions , LLC ''  and that was later confirmed, why does it still show up on my Credit Report? Could you please help me resolve this as soon as possible?
Consumer complaint received 2018-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Glasser and Glasser, PLC (VA)

Debt was initially legitimate. Debt was paid in XX/XX/2014 to law firm collecting on behalf of debtor, XXXX XXXX XXXX. I don't know what XXXX XXXX XXXX did with the money, or was it misapplied, but now 4 years later I am being repeatedly contacted by Glasser and Glasser, law firm, for same debt. I have disputed, and XXXX XXXX simply sends me evidence of original debt. I had 2 judgments, both were paid in one lump sum to XXXX XXXX XXXX for the benefit of 2 XXXX XXXX accounts. My money was processed by conversation with XXXX XXXX of XXXX XXXX XXXX in XX/XX/2014, at XXXX, to cover both accounts in full. I appreciate your assistance in getting to the bottom of this.
Consumer complaint received 2022-06-15
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: EQUIFAX, INC. (AL)

XXXX XXXX XXXX XXXXacct# XXXX  XXXX XXXX -acct# XXXX XXXX XXXX XXXX-acct# XXXX  Us dept of EDU/XXXX/XXXX-ACCT# XXXX  
* IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT #XXXX, XXXX, XXXX, & XXXX  HAS VIOLATED MY RIGHTS.

* 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY

*15 U.S.C 1681 SECTION 604A SECTION 2:IT ALSO STATES CONSUMER REPORTING AGENCY CANNOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS