davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Hi Team ; I'm not sure what's going on with this XXXX XXXX account number. It just doesn't make sense at all. I personally went to XXXX XXXX because i saw a charge-off account on my credit for {$280.00}, and when i talked to a representative there, she said that it was transferred to XXXX XXXX XXXX XXXX. However, when i check all my 3 bureaus ' credit reports, it's not reporting as such. NOt only that, my the balance that's on my credit report is completely incorrect - instead of {$280.00} charge off balance, the rep said it's now $ XXXX. How is that even possible. For the last 6-9 months, i been trying deliberately to resolve the issue, but the credit bureau and XXXX XXXX continue to reply back as reporting as accurate. How is that possible? If the account is reporting incomplete, misleading, incorrect information including the balance and they failed to report who is the company that they transferred to. This is illegally reporting and it's unverifiable account. It's my understanding under the provisions of frca, that the furnisher and the credit reporting agencies need to ensure that the account is reporting 100 % accurate - well,, this is inaccurate this is in violation of the consumer laws. 

Again, here is the list of errors with this account for your summary : This account has the wrong balance This creditor does not own this account This account was sold but still reports a balance Doesnt show transferred/sold but does not say paid and doesnt have a balance Each bureau reports a different date of last activity Account has been re-aged Account disputed and nothing was sent to me to legally verify this account this is the confirmation of payment : CONFIRMATION OR ID NUMBER : XXXX XXXX XXXX XXXX XXXX {$200.00}
Consumer complaint received 2022-06-19
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now. 
nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Weinberg Mediation Group LLC (PA)

Weinberg Mediation Group began calling me several weeks ago regarding a XXXX  XXXX   card debt. Twice I answered the phone and talked to a representative, I told them I was going to contact XXXX  XXXX to validate that the debt. The first time the lady was very polite and said that was fine. 

The second time I spoke with a gentleman who was beyond rude. He told me that there was already a garnishment of my wages pending. I asked him how that was if I hadn't been sued and a judgement entered. He told me there was already a judgement against me. This was false information. I then told him the same thing. That I was going to talk to XXXX  XXXX to verify information and would contact their office back. I also requested that they validate that they own the debt. The guy told me that they could not mail me anything. He told me to call total and that " eventually '' I would get routed back to Weinberg Mediation. 

Not even 1 week later Weinberg Mediation called my parents house ( who live 100+ miles from me ) and left the following message on their home phone voice mail " This is a final courtesy call from the Weinberg Mediation Group before  reporting that you've been uncooperative in the investigation against you. If we do not hear from either yourself or your legal representation today we will be left with no recourse other than to report your non-compliance in this issue to the proper jurisdiction. Our office number is XXXX. Again that's XXXX. Thank you. Good Day. '' My mother called the number back and they gave her details on my debt even though she never identified herself as my mother. She told them I didn't live there and they have the wrong address. They told her it was about a debt and that I needed to call them back. 

They have my home address and my home phone number. They KNOW how to get a hold of me, I've answered my phone when they call, outside of the times I'm at work. 

I believe they should be held accountable for continuing to call outside parties when they have my contact information and were just in touch with me a few days prior.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-05
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. (AR)

XXXX XXXX  sent me an email that looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items form my report.
Consumer complaint received 2018-05-17
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. (TN)

Our lease was up with XXXX XXXX and we were finishing the final stages. According to the reports XXXX XXXX sent me personally : on XX/XX/XXXX we paid a payment of XXXX which XXXX told us was left owed as a deficit. That shows on the statement as bringing it to XXXX balance. On XX/XX/XXXX the bike was returned and it shows XXXX balance. It does not show a balance again until XX/XX/XXXX. Thats when I was sent a letter regarding an amount of XXXX and given till XXXX to review and call in and it has no actual due date. It also states on the letter that it had already been reported to our credit bureaus. On XX/XX/XXXX the bike was sold for more than assumed and it cancelled some of that balance leaving XXXX. And this is the first date this amount was shown. On XX/XX/XXXX my credit was reported 30 days past due with a past due balance of XXXX ( not even a balance on the statement ) which is only 10 days from the day the charges were added. It dropped my credit score 114 points XXXX says our account remained open and thats why it was reported past due, there was no balance to pay or report until XX/XX/XXXX and reported it over 30 days late 10 days later. Customer Service continues to tell me they will show the account paid/closed. That does not take this fraudulent past due report off and it will remain for 7 years. I have made that clear to her and explained that is not how credit works. She has ignored my requests for a credit contact and gives me the run around with reporting it PAID/ CLOSED. It is paid and closed I also want that incorrect past due off my credit. As of XX/XX/XXXX there was XXXX balance again. I have filed with the XXXX also and they responded with the exact statement aboce, which says I was never 30 days late but that is what was put on my credit report. It has dropped my credit 114 points and will affect us buying a house if not removed!
Consumer complaint received 2018-05-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hello, I was scammed {$200.00} on XX/XX/2018. I sent the recipient {$200.00} from my Bank of America account to his XXXX XXXX account using the XXXX payment. 

I filed a fraud report though bank of america and they said they have contacted XXXX XXXX and that XXXX XXXX has rejected my claim account. 

The XXXX transfer confirmation number is # XXXX to XXXX XXXX The recipient called me from ( XXXX ) XXXX, he has blocked my phone number when I tried to call him back. 

The recipient also emailed me from XXXX Any help you could provide to get my money back would be greatly appreciated.
Consumer complaint received 2018-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CO)

We had to file a chapter XXXX in XXXX due to unemployment. After filing the chapter XXXX, both my husband and I found steady employment. Since the filing, our mortgage was sold from XXXX to Rushmore Loan Management Services. We received the notification from XXXX about the sale, but never anything from Rushmore. I sent in the first payment to Rushmore, from the information received by XXXX. I never received anything from Rushmore after that payment was made. I ceased payments, and sent a letter requesting to know if they still service my mortgage. No response from Rushmore. XX/XX/XXXX we receive a notification of foreclosure from them. I contacted my attorney for the chapter XXXX, who in turn contacted Rushmore 's attorney. A stipulation was agreed upon and filed XX/XX/XXXX. Since the stipulation, we have been making the monthly payments. On XX/XX/XXXX, we received a notification of default. Rushmore was claiming that no payment had been made since the stipulation. I sent copies of my cancelled checks to my attorney, who forwarded them on to their attorney. Today, XX/XX/XXXX I received notification from my attorney that Rushmore is still claiming that we are in default, after seeing the cancelled checks. They are now looking for an ungodly figure to be paid by Friday, XX/XX/XXXX. XXXX, or they will file the notice of default. They have been strong-arming even though they are in the wrong, just to get more money. I feel this is a very fraudulent act on their part and need to be put out of business. We are not the only ones who have been affected by Rushmore this way. I have attached a copy of the stipulation, XXXX XXXX XXXX   complaints and reviews, the notice of default, and emails from my attorney.
Consumer complaint received 2022-03-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

I was approved by Paramount Residential Mortgage Group to purchase a rental property, I have enough funds to close the deal including reserves, I have a XXXX credit score and no debt except the mortgage on my own home. I have held the same job for 19 years. I was denied at the last minute claiming that they were unable to verify my income. That is false. I provided 2 years of XXXX 's, paystubs. I provided my employers name, phone number, address of the business, and email address. They did not contact or verify my employment with my employer. The seller refuses to give me an extension of time, as he has a backup offer, and my {$5000.00} escrow deposit is at risk. Please see attached documents. Thank you. XXXX XXXX.
Consumer complaint received 2018-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

I went to Kohl 's in XXXX Montana on XX/XX/XXXX. I selected 7 mens shirts for purchase. When I reached the register I was asked to open a Kohl 's charge card and I declined multiple times. The cashier then stated she would give me a 25 % discount on my purchase if I applied. I asked what if I am not approved? Her reply was she would still give me 25 % discount. She advised me my total was {$330.00}. I discussed with her that 25 % would be a large savings on such a large amount and I felt it was worth applying to receive 25 % off my large purchase. After applying, I was not approved and the woman told me I saved {$12.00} by applying. I told her no.. you stated 25 % discount on my entire purchase. She then stated some brand-name shirts I was purchasing were excluded. I told her, wait that is not what you told me to get me to apply for your store card. She then refered to corporate policy was the problem and it was not her fault. I asked for the manager and I started to both the cashier and assistant manager that I was promised a 25 % discount on my purchase regardless of the approval for the card. I also stated that the exclusions were not disclosed to me.. in fact the cashier was very misleading, persistent and insistent I apply to receive such a large discount savings. The assistant manager was very dismissive of my complaint. I asked to speak to the store director and was told she was in but unavailable. I was told the store directors name was XXXX and provided a phone number I was told was her direct line and even if she didn't answer I could leave a voicemail. I left the store after completing my purchase. I then attempted to call the number I was given and it was the stores general number. There was no access to XXXX or any voicemail. I proceeded to contact Kohl 's XXXX number without ever being able to speak to someone about my complaint. I then proceeded to email Kohl 's cares store feedback on XX/XX/XXXX and received an automatic reply with a case # XXXX. This email said they will contact me in 48hrs but occasionally it may take a little longer. I emailed again on XX/XX/XXXX without any reply as of XX/XX/XXXX. Disclosure is a very important part of doing business and Kohl 's was deceptive, did not disclose any terms and simply dismissed my concern. It was quite disappointing and upsetting to experience. Also being highly embarrassed by having the Kohl 's employees discuss my credit denial publicly in front of the employees and customers during this incident was totally unprofessional as well.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (SD)

I have a Home Depot Consumer Credit card. I had a promotional balance with terms of 12 months no interest if paid in 12 months. The original transaction amount was {$450.00}. I did not payoff the purchase in the 12 months and the promotion expired. I received my statement the next month and it shows the interest charge calculation. Home Depot calculated the interest for this purchase on a {$500.00} instead of {$450.00}. I called Home Depot customer service on XX/XX/18 for explanation as to why my interest was not calculated daily off of the actual transaction amount and how was this increased difference calculated for my original transaction amount. After 30 minutes and holding while the contact spoke to her supervisor I was told that's just how we do it because of averages. I could tell the contact was unable to explain their calculations. I have no issues in understanding my deferred interest was accruing within that 12 month period. I do have an issue that the interest was accruing off a dollar amount higher than what I paid at the store.
Consumer complaint received 2022-03-05
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. (NJ)

I called, emailed and sent letters out to the credit bureau disputing these fraudulent activities and nothing has been removed. I asked them to remove because it's fraudulent activity that was never authorized by me. Nothing has been done. 

Equifax is reporting XX/XX/XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX. Never authorized by me. 

XXXX is reporting XXXX XX/XX/XXXX XXXX/XXXX/XXXX and XX/XX/XXXX NEVER authorized by me
Consumer complaint received 2015-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CO)

I 've contacted Equifax for an error in my credit report. There is an account that does n't belong to me, and I have explained to them I dont recognize this debt or owe any money to this creditor. If valid it would have been paid. have become a responsible consumer and this is an unfamiliar debt to me. Moreover, this debt appears to be past the Statute of Limitations. However, they insist in keeping in it there. I contacted XXXX for this exact same error also, and they concluded the account is not mine, and removed it from credit report. How is it possible, XXXX credit agency has determined there is indeed incorrect information, verified the account and removed them, and the other company just neglects all this? Please assist in contacting Equifax and getting this sorted out.
Consumer complaint received 2018-12-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

-Refuse to modify or consider me for a loan modification. 
-Claim that XXXX XXXX  is the owner of the Note but XXXX XXXX  Denied ownership. 
-Mr. Cooper Claim they have the right to forclose but have not shown proof of that right. 
-A ledger from inception of the loan have not been provided as requested
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

My personal credit card ( ending XXXX ) with XXXX XXXX has a regular balance of {$40.00} ( see attached document from XXXX 's myaccount access.com ). 

XXXX XXXX " criminally, willfully & fraudulently '' reported my balance of my personal credit card ( ending XXXX ) {$710.00}, to all credit reporting agencies in particular Experian and XXXX. Thus, my FICO score " dropped '' by at least 20 points. This is NOT a isolated incident by XXXX XXXX- there are many willful and criminally motivated FCRA violations. 
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Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

My personal credit card ( ending XXXX ) with XXXX XXXX has a regular balance of {$40.00} ( see attached document from XXXX 's myaccount access.com ). 

XXXX XXXX " criminally, willfully & fraudulently '' reported my balance of my personal credit card ( ending XXXX ) {$710.00}, to all credit reporting agencies in particular XXXX and Equifax. Thus, my FICO score " dropped '' by at least XXXX points. This is NOT a isolated incident by XXXX XXXX- there are many willful and criminally motivated FCRA violations. 
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