davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
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. (NC)

I purchased my new vehicle in XX/XX/XXXX. My first payment was due XX/XX/XXXX and on the XXXX of every month after that. I am a contract worker who is paid in arrears at the end of every month. Because of that, I made my XX/XX/XXXX payment on XX/XX/XXXX. I paid off the entire balance of the loan on XX/XX/XXXX. After my credit report was updated with the loan payoff, I received notice that my account was reported for a 30-day late payment. I called customer service and was told I didn't make my XXXX payment. I explained due to how I am paid, I made my XXXX payment on XX/XX/XXXX, which was not 30 days late - even if you counted actual days. I also explained that I pay other accounts in this manner without issue and had a 100 % on-time history with all my other accounts. He explained he couldn't help me and that I would need to write a letter and send accompanying documents to their Direct Credit Dispute department. This is unsatisfactory to me due to the fact that the company just paid out a large class action settlement to millions of customers in XXXX due to inaccurate reporting and taking an unreasonable amount of time ( sometimes years ) to correct inaccuracies. Without the ability to call or email the department directly, I will be unable to know if my dispute was received or if anyone is working on it. My credit history is too important and costly to just sit around and hope it gets resolved. I am hoping the CFPB can assist me in getting this resolved.
Consumer complaint received 2020-09-15
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. (NY)

The accounts listed here do not belong to me it has been over 120 days and no resolution has been made. This is supporting fraud. I demand that they be removed now because it is stopping me from obtaining gainful employment. If the credit bureaus do not remove these items I will file a lawsuit. Fraudulent accounts are as follows : XXXX XXXX XXXX, XXXX XXXX, {$13000.00} ; XXXX XXXX XXXX, XXXX XXXX {$93.00}.
Consumer complaint received 2023-04-04
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: Bread Financial Holdings, Inc. (AZ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

n accordance with the Fair credit Reporting Act, XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-09-15
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. (GA)

On XX/XX/2020 I XXXX XXXX called XXXX XXXXXXXX to request a 3 month deferment due to COVID - 19 On XX/XX/2020 I checked my Fico Report and discovered that upgrade had reported me XXXX  days late for the month of XXXX and XXXX. I have documentation to support my claim. I never missed a payment and the account is set up for auto draft. 

Thank you .... 
XXXX XXXX
Consumer complaint received 2023-06-14
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. (SC)

I am sending this complaint in response to a notification on my credit report. The accounts reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the accounts on the credit report are incorrect. 
DEPT OF EDXXXX 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 2023-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (CA)

Guild Mortgage company has misplaced, rejected and/or refused to credit my mortgage account payments on a timely basis. In addition, they will not respond to my requests for a full accounting of my loan account and escrow account. They do not provide escrow account information with their statements online as promised and required by regulators. 

I have asked that they terminate my escrow account and they won't respond. I have attempted to resolve this ongoing accounting discrepancy for over three weeks and Guild will not cooperate. They have " call centers '' and remote workers who keep avoiding any type of return call or replies to inquiries. 

Before I file litigation, I am attempting to use the help of regulators to force Guild to provide required customer responses. 

Thank you
Consumer complaint received 2020-09-15
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. (GA)

On XX/XX/2020 I XXXX XXXX called XXXX XXXX. to request a 3 month deferment due to COVID - 19 On XX/XX/2020 I checked my Fico Report and discovered that upgrade had reported me XXXX  days late for the month of XXXX and XXXX. I have documentation to support my claim. I never missed a payment and the account is set up for auto draft. 

Thank you .... 
XXXX XXXX
Consumer complaint received 2018-06-15
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

My friend told me that Citibank had a promotion. If a client opened a new saving account between XX/XX/XXXX and XX/XX/XXXX and maintained a minimum balance of {$25000.00} in the account until XX/XX/XXXX, with a new checking account, the client will earn a {$200.00} bonus. Besides, if the client maintained a minimum balance of {$15000.00} in the checking account until XX/XX/XXXX, the client will earn a {$300.00} bonus. 
I opened a new saving account and new checking account in Citibank 's branch at XXXX XXXX XXXX, XXXX XXXX, NY XXXX on XX/XX/XXXX and maintained {$25000.00} in the saving account and {$15000.00} in the checking account until now. Citibank did give {$300.00} cash reward in my new checking account on XX/XX/XXXX. However, the {$200.00} cash reward I got on XX/XX/XXXX for my new saving account was reversed on XX/XX/XXXX. When opening the two accounts on XX/XX/XXXX, I followed all instructions from the branch 's personal banker XXXX XXXX XXXX. So it was either the branch did something mistakenly when opening my accounts on XX/XX/XXXX, or Citibank wrongly reversed the {$200.00} cash reward from my saving account. I have tried to contact XXXX XXXX many times by emails, phone calls and visits, but she has not respond to me.
Consumer complaint received 2017-11-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services (WA)

I have tried contacting ACS Education about my loan status since I no longer can log into my account for 3 weeks now. I never received an email or phone call about my loan. I looked online and realized a possibility is my loans were bought and transferred to another company. How am I supposed to figure out which company my loans are with if no one will get back to me?
Consumer complaint received 2020-07-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (NC)

On XX/XX/XXXX, I paid my balance in full of {$380.00} to CREDIT MANAGEMENT LP. When I asked if they woulf take it off my credit, they told me they would not and the reason is because they had sent paperwork to a former residence of mine in Virginia. I never received any debt collection paper work or anything along those lines. I found out about the debt after it was reported as a collection on my credit report. I feel its kind of XXXX to have you pay this collection and then it stays for 7 years. Why bother paying it then? I tried to dispute it on all three credit bureaus but they wont budge. Id like to have it removed from my credit report
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have a Bank of america revolving account on my report that does not belong to me neither am i responsible for it. 

i contacted Bank of america on XX/XX/2019 and they couldn't help me.
Consumer complaint received 2022-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau (PA)

This medical debt is not owed I have health insurance and do not owe this bill. I did not sign anything with my signature stating this debt belongs to me. Please remove this from my credit report immediately. This is a medical debt that's not owed when there is health insurance. I signed no papers owning this debt
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The funds totaling {$790.00} were refunded to my account and I received a letter dated XX/XX/XXXX from Capital One stating : " We're happy to tell you that your fraud investigation with Capital One is now resolved. '' Over a month after that communication, they rebilled my account, again, for {$790.00}. Capital One said the dispute/fraud did not fall within the parameters of their contract with Visa and that I had to seek recourse outside of Capital One. Capital One confirmed they have not tired to reach XXXX XXXX to dispute this transaction. Today, XX/XX/XXXX, they tried for the first time but were unsuccessful reaching anyone at XXXX XXXX. 
They agreed they should not have processed the transactions on XX/XX/XXXX when I replied to the text notification from Capital One that these were not valid charges. They have no intention to take any other steps to resolve this issue.
Consumer complaint received 2022-02-02
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: Experian Information Solutions Inc. (FL)

While checking my credit recently, I noticed a few items that doesnt belong to me. The following accounts are fraudulent. 

XXXX XXXX  {$6400.00} XXXX {$750.00} XXXX XXXX {$600.00} Please see attached FTC report submitted by myself.
Consumer complaint received 2021-02-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (TN)

Today, Phoenix Financial Services called my husband of 3 months multiple times to attempt to collect a debt from Me. They verified my identity and information through him and then proceeded to explain the debt in which i owed {$910.00} but that they would settle with him for {$360.00} dollars and and how they would like to resolve the debt. We were not together when the so called debt accrued. They said he was listed as an emergency contact thats how they were able to find him but we were not together so that would be impossible. They have not contacted me even though my information has not changed. What they did was illegal, when my husband pointed that out to him, he argued and said nothing he did was illegal and if i did not pay the debt, he would report me for fraud. This company has illegal contacted my husband who is not listed on any document pertaining to this debt, verified personal information and broke HIPAA release law. They harassed my husband and me until i told my husband to ask them to no longer contact him and we had to hang up because we were being threatened and yelled at. Since their calls are recorded and monitored it should not be hard to hear the man enlisting his threat to report me for fraud because we asked him to not contact my husband but instead only contact me for my debt. 

I have never not responded to their attempts to communicate with me, i sent them an email asking for all information they have saying i owe this debt and have not received it, they have sold my debt now three times and have hit my credit report twice every time effecting it multiple points. They say they have sold my debt but yet the same company contacts me everytime, everytime i explain the situation and how we can resolve it. So this is not a matter of me dodging communicating as i stated Prior they record everything and should have recording of me contacting them as well so that they did not think i was avoiding them. They are illegally finding information about my life and using it to have other people pay my debt for me. This is illegal. We have been harassed and i am tired of it.
Consumer complaint received 2023-04-09
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: DISCOVER BANK (NY)

I've contacted XXXX, XXXX, and XXXX with my second dispute letter because the first one was sent and no fix was adjusted to the error on the hard inquiry hit on my credit report, that isn't an authorized application from myself. My first dispute letter took them over 30 Days to address. This second letter was sent out on XX/XX/XXXX, which states The inquiry was not authorized DISCOVER FINANCIAL SER  Date of inquiry : XX/XX/ Please remove it from my credit report. 

I've requested for this Hard inquiry that is not mine to be removed from my credit report, as fraudulent activity.
Consumer complaint received 2019-10-04
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

There was something ordered on my card from XXXX that was never received. XXXX originally told me on several occasions that they would refund me, then they started saying to dispute it with my bank. Which I did however capital one keeps allowing them to pull payments from my card. They said that they are not able to block them even though I never received an item from this company. I am afraid to pay my card off because they keep charging me. Capital one sent me new cards and told me that they would block them at one point then they went back on there word. they attempted to charge my card on the following dates : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I do not have any of their items. They have said the closed the account due to non-cooperation however they did said we had to do anything. They have no proof they we ever received an item from them. I even have the card locked and the still allow them to try and pull money.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was looking over my report and I discovered some addresses that are not accurate.Please remove the following addresses : XXXX  XXXX XXXX XXXX, XXXX  XXXX, TX XXXX XXXX XXXX XXXX , XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I have noticed a few numbers on my credit file that are not mine : ( 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 2019-04-08
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. (FL)

i checked my credit report and noticed that XXXX  XXXX was reported as closed. My account is still open and in good standing. Why is it reporting closed? I have tried to submit a dispute with XXXX, XXXX  and Transition to get the account status updated to Open.
Consumer complaint received 2019-05-10
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

To Servicing Bank : SELECT PORFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX cc : Consumer Protection Bureau Ref. : Select Portfolio Servicing  Acc # XXXX XXXX XXXX  Loan  MIN  # XXXX Property : XXXX XXXX XXXX XXXX, XXXX Fl XXXX RELEASE ACCOUNT STATEMENT This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 
I am writing because : I has been requesting a complete copy of the Financial Statement of account # XXXX under SPS servicing from 2012 to present. But SPS has refused to disclosed it. 

Pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) Select Portfolio as the servicing bank handling this account, is required to disclose and release the above-referenced and inquired documents. 

Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX
Consumer complaint received 2018-10-21
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. (TX)

XXXX/XXXX IS STILL BEING REPORTED THIS ACCOUNT ISN'T MINE IT WAS OPENED FRAUDULENTLY THE FALLOWING INQUIRIES WHERE NOT AUTHORIZED XXXX/XXXX  Inquiry from XX/XX/XXXX Department & Variety Stores Rise Inquiry from XX/XX/XXXX Finance XXXX/XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX TRANsunion HAS FAILED TO ACT WITH IN FRCA REGULATIONS, I HAVE SUBMITED THE POLICE REPORT AND FTC REPORT. Transunion has 4 business days, per FCRA Section 605B
Consumer complaint received 2020-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (TX)

I have utilized my PayPal account along with it's linked PayPal Cash Card which is issued by MasterCard for more than a decade to be able to track and handle certain types of purchases independently from my main checking account debit card ( through XXXX ). 

On XX/XX/XXXX of 2020, my PayPal Debit Card was charged {$15.00} from XXXX for a XXXX subscription on as it is on a monthly basis. A feature within PayPal called Automatic Top Up handles making sure that sufficient funds are available and transfers the needed funds from your selected checking account ( with a debit card as a backup funding source ). This is handled by putting a hold on the debit card for the funds, then initiating an ACH transfer from the bank, and releasing the hold once the funds are received. During this transaction PayPal 's systems failed ( per their own admission on recorded telephone calls ) and thus the balance of the account went into the negative, putting my account into " collections '' mode, disabling the debit card, and because regular transactions take " 3-5 business days '' to credit -- manually applying the {$15.00} to get the account balance to {$0.00} will not even credit until XX/XX/2020 causing the account to be locked and unusable. 

Attempting to contact customer service automatically transfers my call into their collections department. However, they have no ability to address the situation, and since the account is already ( slowly ) being brought back to a {$0.00} balance stated that the " real  customer service department is not available by phone, and only available through chat paypal.com/help '' and typing 'Agent ' to the bot Attempting to reach someone through that method has been fruitless as it simply states that it will send the conversation ( I had with the bot ) to someone and they will get back to me. This is not acceptable customer service when it comes to my money! Especially after 20 years as a loyal customer.
Consumer complaint received 2019-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION (TN)

My wife has been unemployed for over a year since she was forced to close her business because of the business not generating revenue. We are delinquent on all our bill. 
My income is the only income that we have at this time, my wife is currently seeking employment. Received property foreclosure correspondence XX/XX/2019 with a sale date of XX/XX/2019 per the Tennessee law foreclosure sale date notice is to be received 30 days prior to the property foreclosure sale date. Received correspondence XX/XX/2019 to validate the debt. I didn't receive this notice 60 days prior to the property foreclosure sale date. I've recently submitted request to the mortgage company Regions Mortgage for mortgage assistance.