davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-08
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. (FL)

Equifax is not properly looking at the information on my report and is not making XXXX XXXX XXXX  XXXX properly and correctly provide sufficient information. This negative reporting is affecting my report tremendously! I have disputed and reached out to Equifax several times to fix this issue and they have not been any help. This account is reporting on my report twice, this account was paid in full and closed, YET Equifax is allowing XXXX XXXX XXXX XXXX report an account that was paid in closed 5 years ago STILL report on my report monthly!!!! This account was never 120 days late. Equfax has not been helpful when I requested a re-investigation they are not re-investigating they are only going by the outcome from 5 years ago and it is not fair. This information on my report is not correct and its affecting my report! They are refusing to take the time and do the work. 

I took out a loan with XXXX XXXX some years back on a car that I had already owned! A XXXX XXXX XXXX which was {$5000.00}. The loan was paid in full and I received proof of payment and the title. The problem is XXXX XXXX is damaging my credit report with all three credit bureaus as if I took out two separate loans with them and I only had one EVER! One account is showing under account number XXXX and the other is showing under XXXX. They are reporting one correct in good standing no late payments, then the other they are reporting 120 days late WHICH NEVER happened this error is under account number XXXX. 

I have disputed this several times and XXXX XXXX XXXX  XXXX is refusing to view their records to see their mistake to correct it, they are only seeing that I did have a loan and reporting it as accurate. I have reached out to XXXX XXXX by phone and certified mail to correct this. When I called I was informed by the rep with XXXX XXXX that my account was never 120 late, which I knew. She provided me with their reporting department address. I sent them certified letter with proof with no response! I even emailed and to the CEO and still no response!
Consumer complaint received 2021-09-22
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: Convergent Resources, Inc. (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2019-10-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (IL)

On XX/XX/19 I was checking my email and immediately saw a email from PNC bank saying that my account was over-drafted in the amount of XXXX cents at XXXX XXXX this morning. So I immediately transferred the funds into my account from my reserves because I have the virtual wallet. Then I went on to realize that I was charged a overdraft fee of XXXX. So immediately I contacted my bank when they opened to see if they would wave the overdraft fee. Mind you that I shouldnt have even been charged a fee because I have overdraft protection and any other time PNC takes the money from my other accounts. There was XXXX in my reserve. But on midnight XX/XX/19 everything went hay wire and then Im told that my fee cant be reversed because I have a bad banking history. Really!!! Which I do not by the way and this was not even my fault!!! Then Im told I have to wait 2 days to talk to someone to resolve this issue!!!! Insane!!!!!!!
Consumer complaint received 2019-08-28
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. (AL)

XXXX ; Experian and XXXX  are incorrectly reporting me as an Authorized User on the XXXX XXXX - account number XXXX. ( Please see page 6 of my credit report attached. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the ( 3 ) bureaus to fix this issue but I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2022-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

I had a student loan years ago, currently serviced by XXXX XXXX, i filed XXXX on XX/XX/XXXX to pay the debt in full for XXXX account {$12000.00} and {$1100.00}, they never applied the funds. I also let them know that they never actually loaned me any money, instead they created a promissory note off my signature and pretended to loan me the money that was created which is fraud and they failed to report this income and instead collected XXXX,, I further filed a XXXX for each account which cancels the debt on XX/XX/XXXX, the still failed to acknowledge that i owe them nothing, i further sent them XXXX promissory notes on XX/XX/XXXX which were received and are legal tender, they have not been returned and therefore according to law they are accepted and these debts are XXXX under the postal rule and the law.. I called them today XX/XX/XXXX and requested a FULL accounting and ledger of how the " loan '' came to be, also requested a XXXX due to them evading taxes, and making money off my signature.. 

this debt is paid in full and or cancelled out it needs to be updated
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My complaints is with XXXX. In XX/XX/2022 my credit score was up to XXXX. As of today it XXXX. It's dropped tthat far. All credit cards and loans are paid off. They will not give me viable explanation as to why. See attached docs The one from XXXX XXXX was reported as paid off, yet they still show it open.
Consumer complaint received 2019-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (WI)

E check deposit was approved by Ally Bank for XXXX dollars After three days check was return deposit. After deposit I suspected fraud. I contact Allybank onXX/XX/XXXX . I was assured by customer service that check was honorable. On Tuesday XX/XX/XXXX I moved funds out of acoount to pay for so called loan insurance OnXX/XX/XXXX check was returned by bank on XX/XX/2019 Ally bank absorbed direct deposit check from  my pension . Account still XXXX dollars overdrawn. XX/XX/2019 I spoke AllyBank operation was told I was responsible entire overdraft. How does a consumer verify checks it banking institution cant. I was told in a matter of fact way and a cold way that ther is no way out. Its no wonder consumer hate banks. I have already in formed bank of  my refusal to accept full penalty. I change to another bank. I will not fund  Allybank account anymore. I was scam just like they were. Im already embarassed and humiliated I wont take anymore0
Consumer complaint received 2023-04-09
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: SYNCHRONY FINANCIAL (FL)

I am filing this complaint against SYNCB/Rooms To Go for inaccurately reporting a late payment on my credit report. I have never been late on any payment for this account, and I believe this inaccurate information is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( A ) ( 1 ). This section states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have already disputed this inaccurate late payment with the credit bureaus, but the issue remains unresolved. As a result, I am seeking assistance from the CFPB to address this matter and ensure that SYNCB/Rooms To Go corrects the error and updates the information with the credit bureaus. 

The inaccurate late payment appears on my credit report as follows : Account : SYNCB/Rooms To Go Date of Reported Late Payment : XX/XX/2017 I kindly request that the CFPB investigate this matter and facilitate communication with SYNCB/Rooms To Go to resolve this issue promptly. I am committed to protecting my credit and ensuring the accuracy of my credit report, as mandated by the FCRA. 

Thank you for your assistance in this matter. 
XXXX XXXX XXXX
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (NY)

I am a consumer by law, This has not been submitted in error. 
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NM)

I had received a " robo '' call at the end of XXXX and was asked to review my current loan. I firmly rejected that because I was not interested and was in a hurry to get on my way to a family event. My current service with Rocket Mortgage has been very good until that phone call. 

On XX/XX/XXXX I received an email that thanked me for applying for a home mortgage. On XX/XX/XXXX I talked to XXXX to complain that I had not applied for a loan and that I was enraged about being rejected for a loan for which I had not applied. She assured me that my XXXX XXXX was not affected and that the response was marked inappropriately as a denial. She apologized. I asked for a letter confirming that error and stating that I did not apply for a loan. 

I have now received a letter that says the same thing the email did -- I have been denied a loan. Indeed this is a hard time for mortgages, but I seem to be caught up in a telephone marketing snafu. I think these phone contacts are marked denial because of quotas that the callers must make. I want my XXXX XXXX protected and do not want to be placed in this position again.
Consumer complaint received 2024-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (CA)

To whom it may concern : This medical debt from Central Portfolio Control IncXXXX XXXX XXXX in the amount of XXXX account number ( XXXX ) does not belong to me. I am requesting it be removed from my credit report immediately.
Consumer complaint received 2015-11-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (OH)

I bought my house XX/XX/XXXX from a guy in foreclosure and brought him current. Have been paying on the mortgage as agreed ever since. Recently US Bank acquired my loan from XXXX XXXX. US Bank is n't communicating with me as set out in the CFPD mortgage rules. 

This spring my insurance agent and I contacted US Bank about modifying my insurance policy to a home owner 's policy. XX/XX/XXXX I wrote to make sure they were using that policy rather than a forced-place insurance policy. And I also instructed them that, CFPD mortgage rules, they were required to remove any forced placed insurance fees and refund any charges to my escrow account. 

I sent them a certified letter with another copy of my insurance document for my house covered by the mortgage, which showed ample coverage for their Loan # XXXX. 

It 's well past the time they should have responded back that they received my letter and that the issue has been resolved.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (FL)

For the past few months in 2024 Ive been disputing this debt on my credit report. Lvnvd fund ( the creditor ) has been harassing me and reporting false information on my profile. I sent a certified letter to them and another company that had said they work for them. And still they keep harassing me and refusing to send me a validation request that I sent to them about a month ago still no response with the information i requested
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

I've been trying to pay off this capital one MasterCard for three months .it is less than XXXX dollars. Their system is very flaky and doesn't allow me to bank transfer unless I have an account with them. I have sent them payment with payment coupon in the mail two months ago for the balance. This same thing happened about 4 years ago. It took them a few months to find the check. They refuse to admit it's possible they could lose it and continue to give me harassing phone calls and emails daily. I told them I would only send another check directly to the CEO with certified mail so they will have no reason to blame me for losing it. They are refusing to take a payment and continue to charge more fees and interest.
Consumer complaint received 2019-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: ECMC GROUP, INC. (FL)

I was shocked when I reviewed my credit report and found 120 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (SC)

This is my second complaint about the same issue. When I originally reviewed my report, I found 9 inquiries that I did not recognized and by the time I was able to file the complaint, it increased to 24. Today I found 32 total inquiries that were not done by me on my report. I have no knowledge of them at all. This has got to stop!!! This is affecting my credit score drastically. My original complaint has already been closed by Equifax and none, I mean not one of my issues were addressed at all. I am a living human being, I have right under 15 U S C 1681. The three credit bureaus are governed by this code but yet they are not abiding by it. They have violated my rights numerous times and the CFPB is letting them get away with it. I demand the accounts listed below, be removed from my credit report. According to 15 U S C 1681, I have the right to privacy and I did not give Equifax, XXXX nor XXXX, written permission to furnish these accounts. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Credit Recovery, Inc. (LA)

In accordance with the credit report XXXX, XXXX XXXX XXXX Account number XXXX has violated my right. 


15. U.S.C 1681 section 602 A. states I have the right to privacy.

15. U.S.C 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish my account without my written instructions
Consumer complaint received 2018-06-02
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: ENCORE CAPITAL GROUP INC. (AR)

This issue involves XXXX XXXX XXXX XXXX XXXX. There is an account for {$840.00} XXXX XXXX started reporting, then XXXX XXXX is reporting the same account as a collection. 

I never heard of either company until I checked my credit. It's stopping me from buying a digital label printer. In my line of work I need to upgrade my printer, it costs {$13000.00} and I want to finance it. But these accounts are costing me business. 

I wrote both XXXX XXXX & XXXX XXXX to let them know they are reporting this information on the wrong person and please delete from my credit report. I have no middle name and this individual appears to have one. Plus, there are 2 different addresses on my credit report that I have never lived, nor do I know the occupants at those addresses. 

XXXX XXXX sent a letter and said, " We are in receipt of your recent correspondence regarding an account with XXXX XXXX XXXX. Please be advised that we were unable to locate an account with the information that was provided. '' The information I provided XXXX XXXX regarding this issue, is what XXXX XXXX reported on my credit ... Yet they have no information on what was provided. 

How does that happen? 

XXXX XXXX replied and provided a statement for {$840.00}. The statement is addressed to a place I've never lived. The only reason they have my address is because I wrote to state my address to quickly resolve this matter. Where I receive mail, I have been doing so, since the age of XXXX. 

How does that happen? 

I wrote XXXX XXXX back explaining they are reporting on the wrong person. That letter was dated XX/XX/XXXX and I have yet to hear anything from him relating to this subject. Furthermore, I included two invoices showing my legal address back in XX/XX/XXXX & XX/XX/XXXX. 

I don't know what else to do ....
Consumer complaint received 2019-10-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (OR)

On XX/XX/XXXX, I received a Collections Notice from Convergent Outsourcing dated XX/XX/XXXX, to pay {$210.00} within 30 days or be reported as delinquent to the credit bureaus ( copy attached ). This was the result of my complaint about XXXX 's billing practices that I had filed with the FCC on XX/XX/XXXX.

On XX/XX/XXXX, I called Convergent Outsourcing and told the account representative XXXX that I had been in the process of disputing XXXX 's actions with the FCC. She told me she would put the Collections Notice " In Dispute ''. This will give me extra time to settle this matter I had complained about the fact that XXXX had suddenly stopped billing me in XX/XX/XXXX. 
From XX/XX/XXXXuntil XX/XX/XXXX, I had received bills by mail. After that, I received a monthly SMS text bill through XX/XX/XXXX. As of XX/XX/XXXX, I did not receive any bills. In XX/XX/XXXX, I called XXXX and talked to XXXX, who told me that I would be billed by email. 
My inbox remained empty. On XX/XX/XXXX, I paid XXXX {$69.00}. On XX/XX/XXXX, I started getting loud, abusive robocalls from XXXX dunning me for money. They were also hijacking my voicemails, then they cancelled my phone service. 

After the FCC served XXXX with my complaint, Mr. XXXX emailed me and asked to talk to me. I made a Call Report, attached. 

I have documented the communications between XXXX and myself in the attachments file. 
1 ) Collections Notice 2 ) Call Report XX/XX/XXXX 3 ) XXXX letter 4 ) My rebuttal, 1st letter 5 ) Call Report XX/XX/XXXX 6 ) XXXX letter, p. 1 7 )  XXXX letter, p2 8 ) My rebuttal, 2nd letter
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

What have you done to my credit report??? Why there is late payment marked on it? I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it?
Consumer complaint received 2019-05-25
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: Experian Information Solutions Inc. (TX)

My wife and I requested our annual credit reports from Experian, XXXX, and XXXX and received them this month ( XXXX ). The XXXX  and XXXX reports are easily legible with black type on a white background ; however, Experian uses a color-block payment history legend that is illegible for those individuals who have various degrees of color XXXX. As a result of this condition I am unable to visualize white lettering on a pale yellow background which Experian utilizes for the following payment history designations : Current/Terms of Agreement Met Account 30 days past due Account 60 days past due Account 90 days past due Account 120 days past due Account 150 day past due. 

The payment history legend utilized by Experian appears to be designed to confuse the consumer. Using a black type against a white background as used by XXXX and XXXX  would improve comparability between the credit reporting agencies and ultimately be of great benefit to the consumer.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am upset, sad, distress on what is happening to my credit report. Some of my accounts has a late payment remark. I did not incur any late payments. Ive made every payment paid on time. Can you guys double check those account and make a necessary action about it.
Consumer complaint received 2019-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been fighting ID THEFT for sometime now and have several fraud accounts reporting on my credit report. I have sent supporting documents showing this fraud. I have sent notarized documents as well as FTC complaint forms, yet to no avail.