davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (HI)

I paid off my US Bank Credit Card in full, paid it early and paid it on time. They proceeded to charge me interest and fees because they claim that my payment was 2 days late. It was not 2 days late, the minimum payment was 7 days early ( XX/XX/2019 ), then I made an extra payment to pay off the balance in full ( XX/XX/2019 ). 

On XX/XX/2019, I was notified by my credit monitoring company that US Bank reported me 30 days late and it lowered my score by 100 points. I was shocked to see that there was a balance and a payment due, I never received a statement, email or phone call. I was notified by XXXX. 

I called US Bank and the first representative realized there was a mistake in the way I was billed, so I was transferred to her supervisor - XXXX. XXXX was wiling to remove all the fees, and take my account back to {$0.00} balance, but she refused to admit the bank did any wrong doing and she refused to correct the inaccurate 30 day late that reported on my credit report. She claims that my payment was 2 days late, even though I showed proof that I made 2 payments that month, the minimum and an extra payment. She said that I was charged a late fee, which incurred interest. That is just blatant lies and seriously borderline fraud. 

I'm attaching my statement. My payments are due on the XXXX of the month. I made the payment due on XX/XX/2019 on XX/XX/2019, I then made an extra payment on XX/XX/2019 to pay off the entire balance, so I didn't owe anything. 

Just when I think I'm out of debt and my credit is improving, the Bank pulls a stunt like this. This is by far the most fraudulent thing I've seen by a big bank! 

I have never once been late and I've had this card for over 5 years!!!
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (NM)

On XX/XX/XXXX we were alerted to a change in our credit report via XXXX XXXX. This change was from our current mortgage lender Select Portfolio Services. This change was a remark added to the report that said " Loan mod non government ''. SPS bought our mortgage from XXXX XXXX XXXX in XXXX of XXXX. In XXXX we did a loan modification through XXXX XXXX XXXX, which XXXX XXXX XXXX had already reported to the credit bureaus. I contacted SPS on XX/XX/XXXX at XXXX XXXX MDT and spoke with XXXX XXXX. XXXX stated that after an audit of our account they found the modification from XXXX XXXX XXXX and that they are '' required to report any and all changes to the credit bureau even if the modification was not done with us. '' I have filed disputes with XXXX, XXXX, and XXXX to have the incorrect remark removed. This remark makes it look as though we have a new modification with SPS which is not the case, and an old modification with a different lender is now being reported again by the new lender as a new modification. There has been no modification with SPS and we need to have this remark removed from not only my credit report but also from my husband 's credit report.
Consumer complaint received 2023-03-31
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. (NV)

U have three accounts reported to idintay theft and the credit bureau of Experien refused to remove or take the id theft report and gave them the id report but refused to investigate the mater and after two thirty days waiting they brushed me off and the report stay the same.
Consumer complaint received 2018-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (SC)

There is a collection account that is inaccurately reporting on my credit reports from XXXX XXXX. I have sent letters asking them to verify and validate the collection account as it is not mine and I have never ever did business with them. I am claiming it to be identity theft and someone is using my information for this claim.
Consumer complaint received 2018-06-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Telerecovery Corporation (LA)

I noticed on my credit report that Telerecovery placed a medical debt on my credit report. I never received communication from them to try and dispute the validity of that. It was just placed on my report. I asked who the debt was from and they said XXXX XXXX. I told the agent that this could not be right as I have have health insurance. I stated that the amount could not be right. I pulled my credit once again and the company didn't even update the fact I was disputing the debt. I check the Lousiana Secretary of State to determine if this company is even registered in the state and they were not found. I want this account removed from my credit report
Consumer complaint received 2018-08-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (VA)

XX/XX/XXXX I requested a modification from Owen on my mortgage due to miss-payments based on illness XX/XX/XXXX Letter of Default date from Owen ( {$1300.00} ) was created and sent to me XX/XX/XXXX Modification on Owen sight read denied. 

XX/XX/XXXX Spoke with Relationship Manager, XXXX XXXX and requested a repayment plan to catch up arrears and it was also denied. 

While I have been trying to work out a repayment plan with Owen, they continue to engage in " Dual Tracking '' in an attempt to take my home. '' Home value : {$310000.00} ( BASED ON NEXT DOOR SALE OF XX/XX/XXXX Amount owed : {$90000.00} Amount pass due : $ {$1300.00} XXXX XXXX XXXX no XXXX XXXX XXXX
Consumer complaint received 2019-07-23
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. (MI)

I have submitted several dispute letters about an unverified account on my credit report. I have asked for verification for this account to no avail.
Consumer complaint received 2019-07-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Westwood Legal (IN)

XXXX is the phone number to call and you can not leave a message. I do t know who they are or what they want. I told them to stop calling my work. They say in a voice mail they are suspending my bank accounts and taking tax returns. They do not identify who they are. When I asked when called my work they dont say are. They do not say they are a debt collector. They constantly call my phone.
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (FL)

Mortgage Company Ditech which held 2 mortgages for properties that I owned reported each and every payment LATE. The mortgages were auto debited from my bank account on the XXXX of every month for 16 years! This year I discovered all payments had been reported late, credit bureau investigated and repaired false info. DITECH STILL reported the last 2 payments as LATE. I have exemplary credit and this is preventing me from obtaining a loan that I need. I called Ditech in the beginning of the loan ( 2004 and was told that there was no issue thought the listed on my invoice that each last payment was late. It is very unfortunate that they would take advantage of the consumer like this. No late fees, no late payments were ever made. Loans are paid off but now last 2 payments still appear as chronically late on my credit report.
Consumer complaint received 2023-03-31
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC (MO)

XX/XX/2023 went to pay my payment she had the door lock came and unlocked the door and slammed a paper on the door was really rood about everything and than she made the comment problem can't pay it anyway cause your on ssi this was at check into cash in XXXX mo XXXX
Consumer complaint received 2019-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion deleted obsolete re-aged accounts and I received an alert from XXXX XXXX. I logged on to XXXX XXXX and was astounded that the obsolete re-aged accounts that were deleted, 10 of the accounts reappeared on my TransUnion credit report.
Consumer complaint received 2019-07-20
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 (GA)

This account was included in bankruptcy in 2017 and was also paid off. There were no late payments on this account which is being reported. I requested in writing the that they provide specific information pertaining to this account. The only response I received was from the credit reporting agencies stating that all information has been verified. I'm requesting that the late payments and negative items be removed from my report. These credit reporting agencies continue to fail on fallow the proper procedures and fallowing though with there disputes that we send in. This affects all those that obtain credit, good or bad. This shows incompetence and is unfair to all consumers. These credit reporting agencies should be held accountable for there actions.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is creating undue stress, and I implore you to quickly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2019-07-20
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. (TN)

I has been over 6 months that I have submitted documentation to Equifax  to have inaccurate information removed from my credit. I have repeatedly filed a complaint with this company. The inaccurate still remains on my credit. I have been hesitant to apply for a car and a place to stay because equifax is a major person in credit. On XX/XX/2019 I was approved for a place but I was considered a high risk due to equifax inaccurate reporting. I called and spoke with an Agent and her supervisort ( Agent number who could not verify me because I have 2 credit reports in my maiden name and married name. Equifax   keeps telling me its one account but I can not verify myself. equifax   continue to mail me two in different names. 


I have contacted this office and found and nothing has been done issues on my credit report I was told should have been off a long time ago
Consumer complaint received 2019-07-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Greentree & Associates (GA)

repeated letters to collect a debt that was written off by the company and no longer exists on my credit report. Debt is over 10 years old. Company keeps sending me info about their chapter XXXX problems. I have wrote to them XX/XX/2019 telling them to stop and they responded with a an auto reply that day saying they received it. Then one week later with an email saying they would be in touch with an answer. Then on XX/XX/2019 I got another letter about chapter XXXX. I don't see how that is of any interest to me. I don't need any further info or contact from this predatory lender.
Consumer complaint received 2019-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (PA)

I changed my phone number because of harassing robo calls and telemarketing calls. when I log into my TD Bank account online it sends a code to my phone, well naturally I couldn't do thid once I changed the number, so I first tried to fix the problem by calling TD Bank 's customer service number XXXX XXXX XXXX ( please call this number yourself and experience waiting on hold for 30 minutes plus ) after holding for 41 minutes these idiots tell me I have to go into the branch to do this. so Thursday I take off a 1/2 day off to go into the TD Bank at XXXX and XXXX XXXX in XXXX Pa, I went to an XXXX XXXX XXXX and she asked for my id and td bank card, so I gave them to her. now this was about XXXX Thursday XX/XX/19 and still today the XXXX site still doesn't have the new number displayed its still showing the old number, so I still cant log into my account. I want TD Bank 's XXXX FINED. and I want to be compensated for my time. the worthless site needs to be revamped, it doesn't make sense that a customer has to go through this. and you get one of their sorry XXXX apathetic apologies when you complain to them.
Consumer complaint received 2019-07-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC (GA)

repeated letters to collect a debt that was written off by the company and no longer exists on my credit report. Debt is over 10 years old. Company keeps sending me info about their chapter XXXX problems. I have wrote to them XX/XX/2019 telling them to stop and they responded with a an auto reply that day saying they received it. Then one week later with an email saying they would be in touch with an answer. Then on XX/XX/2019 I got another letter about chapter XXXX. I don't see how that is of any interest to me. I don't need any further info or contact from this predatory lender.
Consumer complaint received 2018-06-26
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. (IN)

My name is XXXX XXXX and I am a member of the XXXX XXXX XXXXXXXX. Between XXXX and XXXX my identity was compromised and several accounts were fraudulently opened in my name. I have included the accounts below as well as attached the identity report from the Fair Trade Commission. I am requesting that Equifax immediately remove the following accounts below as they are impacting my credit negatively. 

. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX ( XXXX XXXX & XXXX ). XXXX XXXX XXXX
Consumer complaint received 2017-07-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION (AZ)

BB & T Bank, DBA XXXX XXXX XXXX has been collecting {$500.00} per month from me for the past two years on a simple interest loan. After payments totaling approximately {$12000.00}, my balance has only decreased {$300.00}. I am unable to get any reasonable explanation. This appears predatory. There are numerous consumer complaint websites that report the same idetical problem. Here is one ( I can provide many more ) XXXX XXXX XXXX XXXX XXXX ( copy and paste into browser ) It is alos intersting to note that 27 or 28 consumber reviews on the Better Business Burea website are negative : XXXX XXXX XXXXXXXXXXXX XXXX ( copy and past into browser ). My biggest fear is that BB & T ( XXXX XXXX XXXX ) will just continue to give me phony and nonsensical responses. Because of the large number of identical complaints on the web, I am assuming their business model involves stringing customers along until eventually they have no option to default ( cars CAN NOT BE REFINANCED DUE TO THE NEGATIVE EQUITY CAUSED BY THE BALANCE NEVER DECLINING! ). By the time the consumer defaults and the car is repossessed and sold, BB & T has made it 's money. Strange way to do business. I personally was victimized again when I went to purchase a new car to get out of this loan. I was offered a 2.9 % interest rate. The only way I could have refinance is to have come up with {$12000.00} to cover the negative equity.
Consumer complaint received 2019-07-20
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 (AZ)

XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX I asked discover bank to return the money to my bank account they wont do it I did not submit these payments I also called XX/XX/XXXX to get them to file a dispute and they are not helping at all. Discover told me to tell my bank to file a charge back but XX/XX/XXXX wont process a charge back dispute I've also called parent company ofXX/XX/XXXX XX/XX/XXXX and they aren't helping either. I need my money back and they wont help me please help me.
Consumer complaint received 2016-06-15
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have Bank of America borrower protection plan. I 'm XXXX. Not able to pay mortgage. But the plan never triggered and now they are foreclosing. I do n't understand. The plan states it will make the payments when I 'm XXXX. Yet, they have proceeding to foreclose after sending in all claim paperwork?
Consumer complaint received 2019-07-20
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. (TN)

I has been over 6 months that I have submitted documentation to Equifax to have inaccurate information removed from my credit. I have repeatedly filed a complaint with this company. The inaccurate still remains on my credit. I have been hesitant to apply for a car and a place to stay because equifax is a major person in credit. On XX/XX/2019 I was approved for a place but I was considered a high risk due to equifax inaccurate reporting. I called and spoke with an Agent and her supervisort ( Agent number who could not verify me because I have 2 credit reports in my maiden name and married name. Equifax keeps telling me its one account but I can not verify myself. equifax continue to mail me two in different names. 


I have contacted this office and found and nothing has been done issues on my credit report I was told should have been off a long time ago
Consumer complaint received 2019-07-20
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. (NC)

Equifax announced the cyber security incident one of the largest in the history unauthorized data breach occurred from mid XX/XX/XXXX-JXX/XX/XXXX the incident was discovered by Equifax XX/XX/XXXX my data was breached from mid XXXX XXXX- XX/XX/XXXX. And I want to be compensated the amount of ( {$25000.00} )
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have disputed this bankruptcy with each bureau which has used some type of excuse or explanation to go around removing this inaccurate information from my credit report, disregarding the fact that I documentation from the Bankruptcy Court stating they didnt verify this court record with any third party.

My letter of verification comes from the court directly listed.

Your information is coming from a third party and not the actual court listed. No re investigation is needed due to you fail to provide accurate information from the source listed in the last 30days. 


Also there is no way I can be a resident residing at XXXX XXXX in XXXX, Tn you stated as verified in XXXX XXXX and filing a bankruptcy in XXXX, Tn in XXXX XXXX .you must be a resident of the city. so your information is mismatched .my last 4 of ssn could be the same of a similar individual because you did not use my full social as you stated. 
Please stop stalling to remove this bankruptcy before attorney XXXX XXXX is notified to file a lawsuit against all credit bureaus and third parties for listing information the court states on letterhead they have not verified
Consumer complaint received 2019-07-20
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. (CA)

TransUnion has failed to delete the collection account from XXXX   XXXX. We have no business with them nor did we owe them money. Our busines was with XXXX and we have no delinquencies with them nor have we ever had in the past. The XXXX XXXX account needs to be deleted by TransUnion now!!! We have been trying to work with them through their dispute process however they have failed to review and remove the negative rating.
Consumer complaint received 2019-07-20
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)

My identity was stolen. I have already reported the information to the police but the credit bureaus are still reporting the information ; in violation of FCRA SS 605B of US Code. I have sent them the information, the police report. copies of, my identification and also utility bills. 

They have removed some of the fraudulent accounts but still several remain. 

This has been going on for over a year. It is causing me significant damages as I am unable to get a new job or apply for credit. They are violating the law and damaging my reputation. 

I have wasted dozens upon dozens of hours trying to get the situation rectified but it seems they only care about the money being paid to them by the creditors and not the law or my rights.