davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
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. (OH)

XXXX is reporting a loan as delinquent ( seriously delinquent of more than 120 days ) from the pandemic pause period. As a XXXX  worker with federal student loans, I followed studentaid.gov and watched that there was no action needed to pause loan payments. I have previously disputed the errors XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX along with a few other dates, they updated some months as current but not all. 
I called XXXX and was on hold for over 2.5 hours. When I got an agent they told me that loan was brand new to them in XXXX. Then said o wait no its not. Then said yes it was covered then no it wasn't. They told me they would get me to the department I needed to further discuss this issue. Then she came back on the phone and told me she talked to them and the report would stand. I said no I would like to speak to them. They were already told potentially erroneous information by the XXXX agent. 
Frankly I am not wanting XXXX to even service my loans, I don't feel I can trust them. 

I want the 4 late payments on my credit report removed, as a XXXX  worker in the global pandemic, I am not sure how working 80 hours per week, and catching XXXX  and being down and out form XXXX to XXXX and then returning to work is an offense to have 4 late payment notifications when we weren't supposed to owe during the pandemic.
Consumer complaint received 2017-06-07
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. (VA)

XXXX   XXXX   XXXX  showing late payments on  XXXX  of my accounts when in fact we have never been late and have paid extra each month. We have bank statements faxed to them to prove it. We also have monthly statements from  XXXX   XXXX   XXXX  showing no lates during the period in ques tion (   XXXX ,  XXXX ,  XXXX  of  XXXX  ). They are using voodoo math and tricks just like  XXXX   XXXX   XXXX  did. ( see FTC vs  XXXX   XXXX   XXXX   ).  They admitted their mistake on the phone. I want the CFPB to investigate  XXXX   XXXX   XXXX  on their business practices on how they report on all their customers to the    XXXX    Credit  reporting agencies. I feel I 'm not the only  one  they have hurt. Their mistake cost me  XXXX  points on my credit score.   Contract monthly payments are  XXXX . We pay  XXXX  month  to help pay the loan off faster. They told me they REMOVED a  XXXX   XXXX  payment since we were paying extra and that caused a " cascading effect ''. You ca n't " remove '' a payment a customer has already paid.
Consumer complaint received 2017-06-07
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. (VA)

XXXX   XXXX   XXXX  showing late payments on  XXXX  of my accounts when in fact we have never been late and have paid extra each month. We have bank statements faxed to them to prove it. We also have monthly statements from  XXXX   XXXX   XXXX  showing no lates during the period in questi on (   XXXX ,  XXXX ,  XXXX  of  XXXX  ). They are using voodoo math and tricks just like  XXXX   XXXX   XXXX  did. ( see FTC vs  XXXX   XXXX   XXXX   ). Th ey admitted their mistake on the phone. I want the CFPB to investigate  XXXX   XXXX   XXXX  on their business practices on how they report on all their customers to the    XXXX    Credit  reporting agencies. I feel I 'm not the only  XXXX  they have hurt. Their mistake cost me  XXXX  points on  my credit score.    Contract monthly payments are  XXXX . We pay  XXXX /month to help pay the loan off faster. They told me they REMOVED a  XXXX   XXXX  payment since we were paying extra and that caused a " cascading effect ''. You ca n't " remove '' a payment a customer has already paid.
Consumer complaint received 2021-08-24
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. (OH)

I have paid off my credit card with XXXX XXXX XXXX and they agreed to delete it off of my credit report and they are still reporting it and have not removed it. This account has been on my credit since XX/XX/2016 and I would like it deleted as it was paid and the company agreed to delete it, Instead they marked it as a paid charge off.
Consumer complaint received 2021-11-18
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)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} MID FL XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$85.00}
Consumer complaint received 2019-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Received paperless Capital One credit card email statement for XX/XX/2019. Went to online account portal on XX/XX/XXXX to get balance, paid off the balance electronically which posted to Capital One card account on XX/XX/XXXX. Received new electronic statement For XX/XX/XXXX thru XX/XX/XXXX. 

Only charge for this billing cycle is interest charge of {$28.00} on a balance subject to interest of {$1100.00} XXXX at 25.74 % ). 

Doing the math indicated I am being charged for interest from XX/XX/XXXX thru XX/XX/XXXX. 

I was refused correction/refund of interest charged after balance was paid as well as explanation after walking thru the calculation.
Consumer complaint received 2021-11-18
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: General Motors Financial Company, Inc. (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2021-08-24
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. (MD)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children. I don't have a home, a car, no credit because of this problem. Please I ask that these fraudulent reports be removed.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

I have been a XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to request you be willing to make a " goodwill '' adjustment to your reporting to the XXXX credit agencies XXXX, Experian, and XXXX. I was going through my credit report today and noticed that your company report me late on XX/XX/XXXX. As you can tell, I have had an exceptional payment history and have not had a single missed payment on any of my XXXX XXXX accounts since this time. Because of my otherwise exceptional payment history over the years, I would like you to please consider removing the negative payments from my credit report. At the time of the late payments, I was out of work due to an unforeseen medical issue, and immediately brought my accounts up to date the following month although I was still out of work for most of the time. I say that not to justify why the payment was late, but rather to show that the late payments are not a good indicator of my actual historical creditworthiness. I hope that XXXX XXXX is willing to work with me on erasing these marks from my credit reports. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove that late payment from my credit report. I hope you'll approve my request so I can get closer to my financial goal this year. My wife and I are currently in the process of buying our first home, and these late payments are the only detrimental items currently reflected on my credit report. I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I have sent disputes and debt validation letters to all three credit bureaus. I have also sent letters to Nissan Motor Acceptance in regards to a debt owed with the balance of {$9700.00}. I have sent letter in XX/XX/XXXX and XX/XX/XXXX. I have even disputed this matter on the XXXX website. The date last reported is inaccurate across all three credit bureaus. According to 15 U.S. Code 1679c. I have the right to dispute inaccuracies on the credit rmy credit report.
Consumer complaint received 2021-11-18
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: World Acceptance Corporation (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2022-03-25
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. (TN)

In Accordance with Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( F ) - Reporting information during Covid-19 Pandemic ( ii ) ( I ) states if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current.
Consumer complaint received 2021-11-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (CA)

Robinhood is an outfit that does business on line and if you need assistance it will be by automatically generated website. 
For the past couple of weeks I am trying to get in touch with them to get my money and was not able to. 
The text below is exactly what I sent to Robinhood I don't understand what you mean by issues resolved. 

I have provided you all you asked for and still my account is restricted. 

You have locked my account and my money and there is no real way to get in touch with you. An outfit without a customer support phone number is not what I will consider and I got fooled. 

Instead of sending automated emails, why not solving the issues. 

What else do you need to reactivate. 

All that was asked was provided. Please tell me what is it that you are waiting for to resolve this and a way that I can provide it to you without having to go the account page because it is restricted.
Consumer complaint received 2022-12-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (DC)

My mortgage company is Lakeview Loan Servicing , LLC and working with this mortgage company has been a nightmare. It's impossible to speak with a representative, my account is constantly wrong, and when I report these issues to XXXX, they report my account to the Credit agencies. My credit is not high enough to switch to another provider. 

My calls with XXXX began in XX/XX/XXXX as I noticed my mortgage payments had quadrupled. I was able to speak with a XXXX Representative in XXXX, who instructed me to contact my countys City Government and request a corrected tax bill. Upon sending the tax bill to XXXX, I could then request an escrow analysis ( theres a credit on our tax account ). Upon updating the escrow, this would change our mortgage statement. I complied and was successful in getting a corrected tax bill from my City Government. 

I sent emails to XXXX from XXXX - XX/XX/XXXX as well as several letters via the XXXX Postal Service in XX/XX/XXXX to request corrections, so that I could make payments. I have not received any response from XXXX, other than auto-generated emails and incorrect statements, and letters indicating that I moved ( which is odd, as my address has been the same since XXXX ). 

XXXX has not been responsive in updating my escrow account or my mortgage statements. This is the second time we experienced this issue. The last time was in XXXX. I have called several times only to be on hold for 30 minutes to an hour. I have been transferred only for my call to be dropped or just to be on hold again. 

XXXX sent someone to my home. However, I did not receive a call or anything to indicate when someone would come to my home. I work outside of my home, and normally, companies provide a window when a representative would visit. 

A corrected tax bill from my countys CFO - Tax and Revenue office was submitted to XXXX and I requested that XXXX contact my countys government office ( this information was included ), to get a refund for the escrow. 

I asked that XXXX credit my account and issue a corrected mortgage statement. I sent proof of a corrected tax bill from my Countys office of tax and revenue. I sent instructions on how XXXX should request the refund. I also requested removal of all late fees as well as negative comments on my credit report. Instead, I received an email stating that my address changed ( although I have lived in my home since XXXX ). If they can send the statements to my home, why would it be assumed that my address is different? Working with XXXX has been a nightmare that I wouldnt wish on anyone. I am reporting their practices, because it has been very difficult to communicate with them, receive help, and get answers.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (TN)

Credit Karma froze my account for no reason. When I called to find out why they just kept sending me to other people. I asked names and they refused to give them. I begged to talk to XXXX and he told me it would be unfroze when the special teams decided to an hung up on me. Nobody will tell me anything and their just keeping my money. I asked to close it out an they told me no! The dates were XXXX-24 thru XXXX24. In two days I've spoken to XXXX representatives and XXXX supervisors who all either transferred me or hung up on me.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BMO Bank, N.A. (PA)

I received a statement in the mail for a savings account with BMO Harris Bank. I never opened such an account, or I have no recollection of ever opening an account with this bag. I called the number listed at XXXX XXXX XXXX. The representative asked for my account number name and address, which was printed on the statement, so I had no problem, giving it to them. He then asked me to confirm my Social Security number, which he read to me. I confirmed, which I probably should not have. He then asked for my to confirm my date of birth, which he gave to me, and I refuse to confirm he was very rude and hung up on me. I called back twice and asked for the fraud department and I was never transferred over to them. I dont know if this was a fraud or just horrible customer service but I need some help.
Consumer complaint received 2024-03-30
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (NJ)

XXXX XX/XX/year>, I used PayPal Credit to purchase an XXXX purchase for a XXXXXXXX XXXX XXXX Mascot headdress. {$850.00} was charged to the online credit account. Prior to the purchase, I corresponded via XXXX 's messaging system with the online store proprietor on what I wanted and expected. See all attached documentation. To summarize, I did not get an XXXXXXXX XXXX XXXX Headdress. I received an ugly and ridiculous green monster head that did not function as expected. I tried to resolve this with the merchant but she was more interested in keeping my money than making me happy. I eventually opened a case with PayPal to dispute/mediate the matter. I supplied PayPal with all of the messages between myself and the merchant. PayPal resolved the case in favor of the merchant because they claim they asked me for additional information and I never replied. I never received a request for additional info. I couldn't give them additional info anyway since I gave them EVERYTHING they needed to make an informed decision including pictures. I was not happy about the decision and PayPal suggested that I dispute it with PayPal Credit which issues the credit line. I initiated the dispute with them and sent them the same exact information. PayPal Credit did a temp reverse charge and the merchant reached out to me and threatened me and my family. I filed a police report to reflect this. The XXXX 's husband/brother actually was stupid enough to leave text messages. Case # XXXX. The investigating Officer even said I should get my money back once he saw the sub standard and defective headdress I received. 
Please refer me to a consumer attorney if we can not resolve this quickly.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Omega RMS, LLC (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, MO XXXX XXXX, 2022 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.In addition, please remove all non-account holding inquiries over 30 days old.Also, please add a promotional suppression to my credit file.Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Consumer complaint received 2015-12-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MO)

This is yet another complaint against Ocwen, XXXX XXXX XXXX XXXX and the law firm of XXXX XXXX XXXX. Because of Ocwen 's unwillingness to settle this issue and demand a refund from my XXXX. for money Ocwen illegally paid my XXXX. XXXX XXXX XXXX XXXX. from a bogus and possible illegal invoice from XXXX XXXX XXXX XXXX. - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. has foreclosed on my condo. The sale of which is to take place on XXXX XXXX, 2016. This needs to be stopped. My lawsuit against Ocwen, XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX has not even been tried yet. Again, I believe that they are all in collusion together. I also believe that XXXX & XXXX XXXX be miss reprsenting the XXXX. This has got to be stopped.