davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-16
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. (CA)

I have a closed account with XXXX XXXX XXXX for a auto loan taken out in 2012. I had 1 missed payment and voluntarily returned the car. My report still shows current but is reporting up to 24 missed payments totaling $ 8000+ due now. I believe this debt is a charge off but is reporting monthly to damage my credit history and by therefore keeping me at a higher interest rate. Please help me correct this intentional injustice.
Consumer complaint received 2019-06-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

XXXX XXXX XXXX, Vice President, Head of Customer Relations XXXX XXXX, Senior Vice President, Head of Customer Experience This is in reply to a XX/XX/XXXX letter from XXXX XXXX XXXX, HSBC Vice President, Head of Customer Relations. I have attached a copy of that letter. 

1. The letter stated that the Share the Experience Bonus of {$100.00} was already credited to my account. This is incorrect. The {$100.00} promotional bonus posted on XXXX XXXX, XXXX to my account was, in fact, for a second referral, XXXX XXXX, and she likewise got her bonus already. I have verified this with XXXX XXXX from the HSBC XXXX Branch. 

2. The subject of my complaint has always been the first referral bonus. Contrary to your letter, the referral bonus for the account belonging to XXXX XXXX which was opened on XX/XX/XXXX, has never been paid and is way overdue ( promised within 8 weeks XX/XX/XXXX then ). You have yet to honor the terms of the XXXX promotion. 

3. The above letter stated that within 4 weeks ( by XX/XX/XXXX then ) a credit of {$250.00} will be posted to XXXX XXXX account. To this date, no credit has been posted. 

4. In your letter you included two telephone numbers where Customer Relations ( XXXX XXXX ) could be reached but nobody answers that phone and although the message states that somebody will call back by the end of the next business day, NOBODY calls back. I have called those numbers numerous times, leaving a message at all times but I was never called back. 

5. Also, I have sent emails to the email address you provided in your letter and again NO REPLY. 

I am beyond frustrated dealing with HSBC regarding this matter. Your prompt resolution of this matter is immensely lacking on your part. It has been one promised resolution date after another.
Consumer complaint received 2019-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank. I have several store cards. I have zero negative accounts on my credit and only two late fees reflecting on my credit in the past two years. Synchrony Bank has decreased almost ALL of my credit limits ... causing my credit score to significantly drop. The reason Synchrony  gives me is that there are negative items or late payments on my XXXX ... which is completely not true! I have zero negative accounts and only two late payments in two years. I feel Synchrony is doing the same thing to a lot of customers  in my research. I have tried to rectify this situation with Synchrony Bank and have been unable too do so.
Consumer complaint received 2019-06-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Management Services, Inc. (NE)

I recieved notification from a bankruptcy/fair debt collection agency ( consumer protection ) that I was being sued in civil court. I have not recieved ANY notification of any debt that I had. I also haven't recieved a phone call of said debt ( I still have no idea the dollar amount or the nature of the collection ). I recieved a certified letter on a Saturday ( that I was not present for and my husband with the same last name was not allowed to sign for ). The only thing on the certified notification was the name of the debt collector ( credit management services out of XXXX XXXX, NE ) which was the same name was on the letter as the stated above letter from the fair debt collection consumer protection law firm. This debt has not showed up on my XXXX report or XXXX report. Whatever the debt is I would ( a ) like a certified letter explaining the debt ( b ) if it is a debt I owe like to settle it out of court.
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I made my mortgage payment on time for XX/XX/2019 but Ive been reported to the credit bureau because the company failed to include an {$8.00} increase due to my interest rate fluctuations. However I continue to have this issue often whenever my rate changes. Whenever I make a payment I never state the amount but when asked I always state to make the regular payment which clearly means what ever is due. The last time I had this issue I was told that the system sometimes doesnt have the same account information before if the payment was made on the weekend and my argument was thats a company problem.Carrington Mortgage doesnt allow you to speak to anyone unless you fax which makes it very difficult to resolve a problem immediately. XXXX  XXXX XXXX never treated me like this but this new trade is causing me many unnecessary stress. I pride myself in maintaining a good payment history and credit report. Please help!
Consumer complaint received 2019-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Nationwide Debt Reduction Services, LLC ()

I received information from Nationwide Debt Reduction Services , LLC concerning reducing my credit card balances, ,but i am not sure who these people represent. Are they real or just out to scam me out of my money? I have not contacted them or given them any of my information. Can you help me out?? Date of this pamphlet wasXX/XX/2019., ,credit card debt is {$18000.00}. and settlement is {$8200.00}, ,new proposed program payment would be {$290.00}. thank you.
Consumer complaint received 2019-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (OK)

My Citibank credit card on autopay. Lately noted that the My monthly use was {$77.00} only and card company was charging {$20.00} to {$26.00} as interest per month om balance of XXXX daollars after autopayment. It wrecked up approximately {$2000.00} which is more than 1000 % of capital.. When I called, they said they were taking minimal payment by autopay and minting money by interest ( 1000 % ), which is wrong. I want them to refund the interest and charge the expense in full every month.
Consumer complaint received 2019-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (FL)

I hired Lexington law to remove 2 late payments from XXXX XXXX XXXX off my credit report I was promised that it could be removed and they never were able to remove them from my report I had payed for over a years worth of payments towards the removal with no results from what was initially promised
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Westlake Services, LLC (IN)

Honor finance is a closed account on y credit but still shows on my report and as open the amount I'd XXXX. 
Also XXXX needs removed amount is XXXX
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am writing to file a complaint regarding a debt on my credit report that has not been properly addressed by the credit bureau. 

Despite my requests for deletion and validation, the credit bureau has failed to respond within the required timeframe. 

I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. 
Here is my tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It's been more than 30 days and the credit bureaus failed to send my investigation back. 

However, the credit bureau failed to respond within the required timeframe of 30 days. Despite multiple attempts to follow up with the bureau, I have not received any response to my request. 

I believe that the credit bureau has violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and respond to my dispute. I request that the debt be removed from my credit report immediately. 


According to the law 15 U.S. Code 1681 ; - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2019-06-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NJ)

I had a loan with Ally Financial for a XXXX XXXX prior to my divorce in XXXX. The loan was under my name but paid through my ex husband and my business. However, when we filed for divorced, my ex-husband immediately stopped paying the car loan. Although, through court orders the payments were to continue through out businesses, my ex transferred the business to his partners name. The car was ultimately reprocessed and I filed for bankruptcy chapter XXXX, in XXXX. I have completed and complied with all bankruptcy rules and therefore, my attorney had ad used me that Ally Financial Loan falls under the umbrella of bankruptcy and should not appear in any of my credit reports. I am moving forward in my life with a job as a XXXX XXXX earning over {$100000.00} annual salary. I need to to lease a vehicle for the safety of my XXXX minor children and myself, however, the devastation of being denied due to inaccurate information on my credit report creates difficulty for a professional individual earning a decent salary trying to lease a new vehicle. I am hopeful that this discrepancy will be rectified and removed from my credit report. Any concerns or questions or any pertinent additional documentation may be provided at your request. Thank you. Truly, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

The Annual Credit Report, blocked me from Disputing, Viewing, and Security Freeze on my Annual Credit Report, the individual that I spoke to on the phone at : EXPERIAN HUGE UP THE PHONE ON ME, WHEN I STATED THAT I WANT TO PUT AN SECURITY FREEZE ON MY EXPERIAN CREDIT ACCOUTANT, AND THE CUSTOMER SERVICE PERSON ON XX/XX/2019 STATED THAT HE WAS NOT HELPING ME PUT SECURITY FREEZE ON MY CREDIT REPORT, BECAUSE HIS WIFE STOLE MY IDENTITY. XXXX  BLOCKED ME FROM ACCESSING MY CREDIT REPORT, AFTER I SPOKE WITH EXPERIAN, IT WAS AN DOMINO EFFECT, AND I HAVE BEEN BLOCKED FROM ACCESSING MY OWN CREDIT REPORT WITH XXXX, EXPERIAN, XXXX, BECAUSE : EXPERIAN LOCATED IN XXXX XXXX, CA XXXX, XXXX XXXX XXXX, XXXX XXXX, THREATEN ME AND STATED HE WAS NOT HELPING ME DO NOTHING. EXPERIAN FROM CIC EXPERIAN CONSUMER SE, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX, RAN MY CREDIT REPORT MUTLIPY TIMES IN THE SAME DAY SEVERAL TIMES A DAY. I REQUESTED THAT IT BE REMOVED, AND THE CUSTOMER SERVICE REP STATED HE NOT DOING NOTHING FOR ME. ON XX/XX/2019 MULTIPLY INQUIRIES, XX/XX/2019 MULTIPLY INQUIRIES, XX/XX/2019 MULTIPLY INQUIRIES XX/XX/2019. I REQUESTED SECURITY FREEZE, CUSTOMER SERVICE REP. STATED HE WAS NOT HELPING ME DO NOTHING. I REQUESTED THAT MY MAILING ADDRESS BE UP DATED, THE EXPERIAN CUSTOMER SERVICE REP. STATED HE WAS NOT UP DATING MY ADDRESS, BECAUSE HE WILL NOT HAVE ACCESS TO STEAL FROM ME IF HE UP DATES MY CREDIT REPORT, FROM MY OLD MAILDING ADDRESS : XXXX XXXX, TN XXXX. XXXX, AND XXXX HAS BEEN HOLDING MY CREDIT REPORT FROM ME FOR ABOUT 3 OR 4 YEARS NOW. I REQUEST AN FULL INVESTIGATION INTO THE PROPERTY MANAGER, AND MAINTENACEMEN, ARE ACCESSING MY PERSONAL INFORMATION, OPENING BANK ACCOUNTS, BUYING CARS, AND HOUSES USING MY PERSONAL INFORMATION. I MS. XXXX XXXX XXXX, NEED MY CREDIT FILE CORRECTED IMMEDIATELY, AND I REQUEST ACCESS TO MY OWN CREDIT FILE, BECAUSE I AM TRYING TO MOVE AWAY FROM THESE PEOPLE WHO HAVE STOLEN MY PERSONAL INFORMATION. I DO NOT HAVE ACCESS TO MY OWN CREDIT FILE.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$590.00}
Consumer complaint received 2024-02-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (LA)

I have just contacted the original creditor which is showing a balance close to {$290.00} XXXX IS SHOWING A BALANCE OF {$170.00} THIS IS INCOREECT PLEASE DELETE THIS AND GIVR MR THE CORRECT WHAT IS OWED ON THE ACCOUNT OR DELETE THIS DEBT FROM MY PROFILE
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/2019 XXXX XXXX {$520.00} XX/XX/2019 XXXX XXXX XXXX {$930.00} XX/XX/2019 XXXX XXXXXXXX XXXX {$3700.00} XX/XX/2019 XXXX XXXX XXXX {$350.00}
Consumer complaint received 2019-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Arizona Civil Case # XXXX - Portfolio Recovery Associates through their representing law firm in the State of Arizona, XXXX XXXX, XXXX, has filed a lawsuit against complaint-filing Defendants on XX/XX/2019 in XXXX County Justice Court XXXX XXXX District for a debt that does not belong to Defendants. 

XXXX XXXX, XXXX 's representing attorney proceeded to file an Amended Complaint on XX/XX/2019 with the Court and falsely misrepresented Defendants legal, marital status to the Court and has refused to correct the error. 

Said attorney has attempted to justify the misrepresentation through signed affidavit from Process Server, whose statements concerning marital status of Defendants are false and perjurous. Defendants ' legal marital status is single. 

Said attorney refuses to verify legal marital status with the appropriate State and Federal agencies and, by attempting to obtain a default judgment on complaint, is inviting the Court to participate in fraud and misrepresentation.
Consumer complaint received 2019-06-15
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. (FL)

Equifax has frozen my ability to go online and view my credit report or file a dispute. The site says that my information does not match their records. On XX/XX/2019 they will give me no information over the phone after I give them over 12 pieces of information on my mortgage lender, credit cards, balances, etc. I have sent them a letter with social security and driver 's license copies per their instructions. They say they can not read the copy but it is absolutely clear to me. They will allow me to access my account if I agree to subscribe to their complete XXXX XXXX for {$19.00} per month. This appears to be a crime. I am entitled to this information that is damaging my credit and my family. I have hired a Credit repair Service called XXXX XXXX.They may be punishing me for using this service that challenges inaccurate reports on my credit file. There should be laws to protect consumers from these notorious practices that damage a families financial position.
Consumer complaint received 2016-01-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (GA)

As part of a divorce and bankruptcy proceedings in the Fall of XXXX, i notified XXXX XXXX XXXX that XXXX XXXX needed to be removed from the account before she filed for bankruptcy in XXXX of XXXX. Since i was no longer responsible for this account per the divorce agreement, this account was not included in the bankruptcy. I was sent a form, which my ex husband and i filled out and returned prior to her bankruptcy proceeding. 

Following the discharge of her bankruptcy late last year, I pulled her credit report. i informed my ex husband i was still on the account. During XXXX and XXXX he incurred several late payments, before paying the entire balance in XXXX XXXX The account is still reflected on my credit bureau along with the late payment behavior from my ex husband. 

My ex husband called on this initially in XXXX and was directed to a department that said this would be handled. He was told that it could take 30 days to correct. At this time nothing has been corrected. He called back and was told that they ca n't even transfer him to the correct department due to the fact that the account has been closed for too long. I was directed to address correspondence to this address. 

Barclays responded that there was not an error in reporting. They purposely have ignored court documents specifying i was no longer responsible for the account. This was communicated to them in XXXX, followed up in XXXX and then again in XXXX when i realized it was never corrected. 

i am a single divorced female with children trying to reestablish my credit after bankruptcy ( which was discharged in XXXX XXXX and should be removed from my bureau in XXXX XXXX - 7 years after filing ). The delinquencies from the credit card account i am referencing are leading to higher interest rates and increased auto insurance rates. We followed Barclays request for information and they have intentionally ignored court documents indicating i am no longer responsible for this account. I could have easily included it in the Bankruptcy in XXXX and not been responsible for the account but due to the legal documentation in the divorce papers it was not included. 

if you need divorce documents please contact me.
Consumer complaint received 2019-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I had to change my bank account last year. 

During this period Nationstar had problems changing their internal system over to my new bank account. 

During this time when their billing system was failing, they reported one of my payments late. 

This was a payment of {$1200.00} in XX/XX/2018. 

I've been paying a mortgage on this property for 21 years. 

Only this one payment has been late, due to Nationstar 's billing system problem.
Consumer complaint received 2019-06-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST REPUBLIC BANK (NJ)

the bank advertised they give XXXX bonus for certain activity, I did what they requested and after almost three months, I never see the bonus. 

SO I contact the banker and he said I am eligible for the bonus, just need to wait. 

I wait but never get it, then the bank said because there is one day my min balance is below XXXX. I am so confused, when I opened the account, they told me I just need to make sure my avg balance is XXXX, then they changed the terms during the time I applied, but never notifies me.
Consumer complaint received 2019-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OK)

SATURDAY XX/XX/2019. 

I HAVE REQUESTED MY ANNUAL CREDIT REPORT SEVERAL TIMES AND XXXX   IS THE ONLY AGENCY THAT RESPONDS, ( SO I MUST BE DOING SOMETHING RIGHT ) NOT EQUIFAX AND NOT XXXX 

THE LAST TIME I REQUESTED MY REPORT WAS VIA THE XXXX NUMBER FOR REQUESTING REPORTS ON ( XX/XX/XXXX ). XXXX RESPONDED SAYING THEY HAD ALREADY SENT ME MY YEARLY REPORT AND THAT IS CORRECT, ITS THE OTHER TWO AGENCIES WHO HAVE NEVER REPONDED.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$6500.00} ; XXXX  XXXX Balance : {$4400.00} ; XXXX  XXXX Balance : {$6300.00} ; XXXX  XXXX Balance : {$6300.00} ; XXXX  XXXX Balance : {$0.00}.