davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (OR)

On XX/XX/XXXX an approved charge was made to my account in the amount of {$2500.00} USD. Subsequently, I paid my credit card balance in full on XX/XX/XXXX in the amount of {$3000.00} USD. The merchant later refunded my initial purchase of {$2500.00} USD on XX/XX/XXXX leaving my account with a large credit balance of {$2500.00} USD. 
After speaking with multiple representatives via phone and chat, I understand a technical glitch exists in their system that does not permit me to be issued a refund check for the overpayment ( credit balance ) because of a payment installment program I have for unrelated merchandise that will complete sometime in XX/XX/XXXX. Although the payment installment plan allows for an early payoff, Goldman Sachs can not process this because of the existing overpayment. I was informed that my only solution was to allow the installment plan to complete naturally in XX/XX/XXXX and then request a refund check for any remaining amount. 
Although I understand the technical limitations involved, neither reason should prohibit the exercising of my rights guaranteed by the FTC : promptly credit or refund overpayments and other amounts owed to your account when your account is owed more than XXXX XXXX. If you prefer a refund, it must be sent within seven business days after the creditor receives your written request. 
Today, XX/XX/XXXX I send a certified letter requesting this refund check be processed.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

The Courthouse stated that they did not report to XXXX  nor Equifax that a bankruptcy had been filed in my name. This information that is being reported inaccurately on my XXXX  and Equifax is in severe violation of the FCRA which states that my privacy is being violated and it also states that a bankruptcy should not be reported beyond 10 years. It does NOT state that it has to remain on the report for 10 years, which is what I am being told by each rep that I speak with.
Consumer complaint received 2021-06-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Express Recovery Services, Inc. (CO)

I went to the emergency room at XXXX XXXX XXXX in XXXX, Wy ( I dont know the dates of service as I have not been told ) At the hospital they never asked me for any demographic information or to verify my information. The only thing they asked for was my name and date of birth. Then back in XX/XX/2020 I received a call from a debt collector at Express Recovery Services. I told them I never received a bill from the hospital and I didnt not know what the bill was for. I then updated my address and gave them my insurance information. From that day I have not received any calls or letters. I reviewed my credit report and they are reporting to my credit. I called them on XXXX stating I have not received any calls or letters. They argued that they are sending letters and there is nothing they can do. They also never notified me that my insurance denied and I never received a letter. I called the hospital and they said due to the time of night there was no one there to get your information and there is nothing we can do I am disputing this debt and report on my credit as I was wrongfully sent to collections and I was not sent any letter and only received one call where they did not even verify the balance or what the service was for. I have absolutely no documentation as I have not been sent one bill or notice.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-11-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: First Technology Federal Credit Union (NC)

We applied for a loan several years ago with First Tech Federal Credit union for a XXXX XXXXXXXX XXXX. With that loan we elected to purchase and pay for gap insurance. This past month we decided to refinance our loan. A few weeks later, our son rolled and totaled our truck. We were told by a representative from First Tech last week that we had gap insurance. However, when XXXX cut the check for the pay out, there was a $ XXXX gap which First Tech is refusing to pay out because they said that when the vehicle was refinanced a week ago, the gap insurance was not renewed with the new loan. They are not honoring the years of gap insurance that was paid.
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 information incorrect
Company: Mr. Cooper Group Inc. (DC)

I monitor my credit on a weekly basis to weed out fraud or anything unusual happening to my account. Back in XXXX I got a ding on my account saying that a merchent pulled my credit report. I then got in contact with XXXX. I spoke with a representative from XXXX and then I let them know that I wasn't aware of the merchant who pulled my credit. They then told me to file a complaint with the FTC. I did so along submitting the FTC documents and writing a letter to XXXX. Maybe 30 days later I had still seen that the merchants information was on my credit report. Then I also go another ding on my account about another account that was in XXXX. I called XXXX again and I explained to them that this account had been closed since XXXX. They then told me that I had to contact the company which I did and I spoke with a representative at the company. They then told me they had spoken with XXXX to have this account reflect as being paid off. However, nothing has changed on the credit report. I called XXXX again and I sent a written document along with a copy of the actual report. And again it's still on my credit report - nothing has changed. 3 weeks ago I did a dispute of 3 items on my credit report and I noticed a change on my credit score. I had called yesterday and last week requesting that these items be removed. It shows " Closed '' but not removed from my credit report. I've seen a lot of derogitory accounts on my credit report that I would like to have removed.
Consumer complaint received 2021-11-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (ID)

They charge daily interest and there is no early payoff. So paying small payments prior to payment due dates should lower amount owed and interest calculated. however I paid {$200.00} couple days ago only applied {$180.00} to balance no explanation. Week before made 2- {$40.00} only owed balance owed by {$28.00}.

Today paid a {$12.00} only adjusted balance by less than a dollar.

They already charge an outrageous interest rate but if they are not applying the full payment to they are charging me interest on money paid that is fraud and wrong!!

they have not responded to 2 of my information requests.

below is pulled directly from a test I did to see if I was being screwed no payments affected any interest. That is wrong! 
Date Description Reference # Amount XXXX Payment XXXX {$75.00} XXXX Payment XXXX {$20.00} XXXX Payment XXXX {$20.00} XXXX Payment XXXX {$20.00} XXXX Payment XXXX {$20.00} XXXX Payment XXXX {$20.00} Interest Charged Date Description Amount XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00}
Consumer complaint received 2020-07-28
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. (AZ)

I've tried writing them to correct the errors on my report or remove the inaccurate tradeline if they're unable to truly validate the information. I have copies of FCRA violations going back almost a year. And all I get from the CRA is Verified as Accurate, and their letters saying they will not investigate this anymore. But clearly anyone can see from the reports pulled from XXXX XXXX XXXX, XXXX, XXXX XXXX, AND the Credit bureau itself ALL have incoherent information. I even sent them copies and ask how did they verify, and I got their same response, Verified as accurate, or meets FCRA requirements. I don't think the FCRA allows blatant account errors across all 3 bureaus, considering they ARE contacting the source, they should get the same info right? I have files for proof of the violations, and proof they've dismissed them for months.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc. (MN)

American account can you view the file and confirm to me that is in fact your reporting? And also to the best of your knowledge is this reporting correct? It shows a open date of XX/XX/XXXX when you first reported And then looks like in XX/XX/XXXX All of a sudden it gets removed becomes a new account and nobody knows anything about it. This is im verifiable information and it Hass to be removed and also violations of the FCRA again one of you need to pick who wants to remove it Explain please
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 — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Lenders are showing charge-off of accounts that were closed XXXX. XXXX XXXXXXXX XXXX original charge-off XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. XXXX XXXX original charge-off XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. Bank of America original charge XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. XXXX XXXX original charge-off XX/XX/XXXX. They are all more than 12-24 months old and must be moved from my credit as they are destroying my credit score.
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 information incorrect
Company: Experian Information Solutions Inc. (GA)

On XXXX XXXX, reported to the three major credit bureaus, i.e. XXXX, Experian and XXXX, that I have paid my debt in full and consequently have a balance of {$0.00} Unfortunately the three credit bureaus have not honored their obligation commensurate with their exalted position, i.e. to promptly update my consumer credit report. 

This is adversely impacting my credit score as it misrepresents my credit utilization which is a major factor of the credit score.
Consumer complaint received 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (OH)

I have been attempting to get the PMI on my mortgage removed with Rocket Mortgage. Their website states that when my Loan to Value reaches 80 %, which it did when I made my XX/XX/2021 payment, I was to contact them to have it removed. I have called 3 times and have been given different answers as to why they wont remove it. Most recently was my call yesterday when I was told they run behind therefor I am to continue paying the PMI through XX/XX/2021 and then they will reimburse me. Each time I call I get a different excuse as to why they cant remove my PMI.
Consumer complaint received 2021-05-09
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: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

I filed a complaint against HSBC on XX/XX/2021 for non-receipt of redeemed points. They responded in letter form with false information. I sent an email to HSBC on XX/XX/2021 informing them of their false information and never received a response. My email response is attached to this complaint. Therefore, I'm filing a new complaint for their fraudulent actions.
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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX XXXX, reported to the three major credit bureaus, i.e. XXXX, XXXX and TransUnion, that I have paid my debt in full and consequently have a balance of {$0.00} Unfortunately the three credit bureaus have not honored their obligation commensurate with their exalted position, i.e. to promptly update my consumer credit report. 

This is adversely impacting my credit score as it misrepresents my credit utilization which is a major factor of the credit score.
Consumer complaint received 2021-04-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TX)

On XX/XX/XXXX, I received my XXXX from US Bank Home Mortgage, for account number XXXX, which stated on the annual tax and interest statement the escrow overage of {$2400.00} was disbursed. When I did not receive this disbursement by XX/XX/XXXX, I contacted customer service at XXXX. I explained that I had not received this disbursement and was concerned. I was told I would be issued another check within XXXX business days. I asked if the check was cashed by an unauthorized party and was told they was no way of knowing. 

On XX/XX/XXXX, I did not receive a re-issued check for my XXXX escrow overage and contacted customer service. At this time I was told a letter was sent to me explaining the original check was cashed I would not receive another check. I explained that I never received the original disbursement and needed to speak to the fraud department. I was left on hold for a half an hour before the call was disconnected. I have never received any correspondence in reference to this matter. I recalled customer service and was told there is no fraud department for the escrow disbursement, but a work order would be initiated and my overage of escrow check would be re-issued on Friday XX/XX/XXXX and would be received in XXXX business days. 

On XX/XX/XXXX, I still did not received my escrow overage disbursement check and called customer service. I was again told that a check would not be issued because the original was cashed. I again explained that I have not received or cashed this check. I also, explained that I have received no correspondence about this fraudulent activity and requested US Bank Home Mortgage submit written correspondence about this matter to me.
Consumer complaint received 2020-07-29
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: American Accounts & Advisers, Inc. (MN)

XXXX  these people are saying its you who removed the account and then added it back on this is a violation of the The FCRA the law is clear anytime you remove an account and then re add it back to the report you must and shall send written Notification of the reinsertion within five business days this account can no longer report Im sorry I have sent you both physical and factual proof that the account was removed and then Reinsert therefore you have to remove it. I mean the information is there and clear both of you explain what the XXXX do you think new collection verses removed come on man there it is in XXXX black and white quit with your XXXX you guys needs to figure out who is going to be the one to delete it YOUR COMPLAINT XXXX no Im not happy I need to know who removed American account from the file? I need physical proof if youre on able to provide that information you need to remove that from the collection account this is considered on verifiable I need to know which one of you removed immediately View full complaint Sent to company STATUS Sent to company on XX/XX/2020 We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company responded STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response As a rule we send deletion requests to XXXX  credit bureau when an account is paid. We do not show a removal and a re-report of an account for XXXX XXXX.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CT)

On XX/XX/2021, I made a payment to a XXXX XXXX account that was XXXX less the amount due as they did not provide an accurate snapshot of my past due balance. They denied my claim. Furthermore, on XX/XX/2021 I went into a payment agreement which shut off the account however made the payments much more affordable. I have made those payments on time, yet they are still reporting my account as past due for the XXXX and XXXX which has significantly reduced my credit score. I have called and been put on hold and have not gotten any help. I would like this to be investigated as I believe I am getting taken advantage of.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are inquiries on my report that I am unfamiliar with. I was able to call XXXX to have these removed within 24-72 hours, but when I called XXXX I was given a laundry list of tasks that need to be completed in order for this to be possible. Pursuant to U.S. Code 1681, this is neither fair ( reasonable ) nor equitable. 

I have attached a list of the inquiries in question.
Consumer complaint received 2021-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I have a victim of Identity fraud I've provided all documentation at the police reports. i.e. Identity fraud packet from the federal trade commission and documentation that's been notarized. Navient and XXXX refuse to validate the debt they will not send me anything with my name on it with my signature saying that. 

I signed the promissory note it's been going on since XXXX is XXXX this is fraud experience is helping them commit fraud Navient won't dismiss the debt but yet still they won't validate the debt which is of a violation of the fair reporting at the committing fraud I'm taking legal action.
Consumer complaint received 2021-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (NC)

This debt was scheduled to be removed with the credit bureaus by XX/XX/XXXX. I disputed this on XX/XX/XXXX and the credit bureaus never removed it. I am asking that you help me investigate why the credit bureaus didn't remove this from my credit reports.
Consumer complaint received 2021-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

This debt was scheduled to be removed with the credit bureaus by XX/XX/XXXX. I disputed this on XX/XX/XXXX and the credit bureaus never removed it. I am asking that you help me investigate why the credit bureaus didn't remove this from my credit reports.
Consumer complaint received 2019-03-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Finance Company, LLC (NE)

Contentatal Finance in charge of XXXX credit cards robot called me 28 times within two days. I attempted to contact their customer service number to let them know this was not alright. When I called their customer service number I received the recorded message during business hours that no one was able to take my phone call and then the call disconnected. I finally called the bank who issued the card, XXXX BXXXX in XXXX XXXX XXXX Utah. They said they would send an email to Contental Finance to have them call me. I expressed to XXXX XXXX how much I did not like their parents practices. No company should be allowed to harass someone like this.
Consumer complaint received 2022-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I contacted this company Portfolio XXXX XXXX to provide me with a signed contract to validate their claim no one ever responded. I sent out a letter on XX/XX/2022 I ended up sending another letter on XX/XX/2022 Certified mail. I have all my documents!!!