davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-20
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-04-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tormey Bewley Corporation (AZ)

I was sent a debt collection letter for a medical bill ( for a XXXX procedure ) of {$300.00} plus interest of {$170.00}. ( This is more than 50 % interest ). I want to know if it is legal for the debt collector to add over 50 % interest to the medical bill. They also mention in the letter that there is a judgment involved. I am not aware of any judgment proceedings.
Consumer complaint received 2020-12-17
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: Diversified Adjustment Service, Inc. (TX)

Account was closed and phones returned to XXXX on XX/XX/2017. Within two months of closing account, XXXX claimed phones were never returned and account was not closed. The issue was briefly resolved, then within 6 months statements began showing up again. Then the account showed up on my credit report under collections. The collections would get disputed, removed, then show up again on my credit report under a different company. XXXX refuses to assist, stating the store the phones were returned to did not process the phone return and account closure correctly. To make matters more difficult, the store the phones were returned to is no longer open. The representatives at XXXX can not even locate the store in their database anymore. Now the account is showing up multiple times on my credit report with no help in sight in getting it resolved.
Consumer complaint received 2019-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

we have tried to work with Pennymac since 2013, upon my father in laws death. Pennymac has refused to assist us in this matter and had my husband sign what I believe to be a predatory loan modification and lied about origination dates. We asked that the loan be moved into my husbands name originally and they stated that that could not do that even though probate had closed. I am perplexed as to why they are able to operate like this my husband has been asked to complete several forms and also has to have them all notarized for them to speak with me yet they never seem to have the form available to be viewed or request another one.. My husband is permanently XXXX and we are trying to keep this him. this all stated with a predatory loan for a construction project that has yet to be completed and the company attached the entire bill to our property taxes. I have tried to resolve this many ways and its just wont work I am in need of assistance to resolve this matter, thank you
Consumer complaint received 2019-04-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (MN)

XX/XX/XXXX I called my Caliber Mortgage Company to accept there Loan Modification Trial Payment Plan which my partner and I had applied for. The letter we had received from Caliber Mortgage regarding the Loan Modification three month trial plan said to call to accept the plan if we approved and when we called and said we accepted the plan on XX/XX/XXXX the representative told us we did not need to make any payment until XX/XX/XXXX which was the first of the Trial Payment plan. At this time we were not behind on our mortgage. We would have ordinarily made XXXX and XXXX mortgage payments but she said we didnt have to make a payment until XX/XX/XXXX. In XXXX we got a letter from Caliber Mortgage stating that we were 2 months behind on our mortgage! We were in shock because of what the representative at Caliber Mortgage told us about not making a payment until XX/XX/XXXX! 
We called and talked to Caliber Mortgage several times complaining that this representative told us incorrect information during our XX/XX/XXXX conversation about not making a payment until XX/XX/XXXX and they have not been accountable for this incorrect information told to us!! On XX/XX/XXXX we received a letter from XXXX XXXX XXXX Mortgage stating that the servicing of our mortgage loan was transferred from Caliber Home Loans to new a servicer called XXXX XXXX XXXX XXXX. I have called and talked to XXXX XXXX XXXX to see if they will put the two months we are behind at the end of the Loan after we are done with the three month Trial Plan which we only have one more month left to pay on the three month trial plan. The representatives I have talked to can not tell me if they will do this! I would like to know if Caliber Home Loans has a recording of our conversation with their representative XX/XX/XXXX telling us that we did not have to make a payment until XX/XX/XXXX. Caliber Home Loans representatives in the Modification Department tell me they dont know how far back the recordings are saved. I was told this today XX/XX/XXXX. This has adversely affected my credit score and caused us much duress! We have been current on our payments the past five years having just completed a Chapter XXXX Bankruptcy in XX/XX/XXXX and we were looking forward to improving our credit and now are devastated by the misinformation the Caliber Home Loan representative gave us on XX/XX/XXXX making us two months behind. Can Caliber Home Loans be held accountable for this misinformation?
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Choice Assets LLC. (GA)

Today XX/XX/XXXX I received a call today from First Choice Recovery, a debt collections agncy. Upon questioning the cs agent he got really rude, interrupting me and began threatening me saying he's gon na send officers out wth a letter. He said he was calling about a debt he said I got in XXXX from XXXX. Once I spoke to XXXX XXXX they had no acct for me being delinquent or going into collections, they told me they keep their records once they go into collections. I then called XXXX XXXX at First Choice Recovery back giving him the info XXXX gave to me and told him to send me the documents to validate his call and the said debt. He then told me he would send me the documents at the close of this business day, to which I have not received. I do not have this old debt nor do I claim this debt. I want to file a complaint against this debt collection company. I have worked at a debt collection company and do know that it is against the law to threaten anyone concerning a debt or anything else. Please forward this on to whomever will respond to this complaint. I am available for any information you need. I spoke to XXXX XXXX XXXX him my debit card nfo fearing their threats but after speaking with him I checked this info on the computer and made calls to the company XXXX XXXX and to First Choice. Once learning the truth I then called my bank and told them not to honor that draft due to fraud. I did not make this debt in XXXX, furthermore, the XXXX XXXX told me they did not service Georgia. We have been told many times on the news not to succumb to such tricks and yet I fell for it but rectified it. 

the said debt was back in XXXX from XXXX of which there is no record of me receiving the said funds nor any records of a collections debt from them in their system. I spoke with XXXX of XXXX XXXX XXXX XXXX, XXXX and can't recall the young lady that assisted me, both told me they hve NO RECRD of any debt in my name in their system or in those debts turned over to collections.
Consumer complaint received 2019-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (ID)

I have an an escrow account with my mortgage holder, Specialized Loan Servicing.

They failed to pay my homeowner 's insurance on time, and now my  policy has lapsed. 

According to my escrow account transaction history, SLS withdrew funds from my account on XX/XX/XXXX, but I called my insurance company today ( XX/XX/XXXX ), and they still have not received payment. 

On XX/XX/XXXX, Specialized Loan Servicing sent me an e-mail saying they paid my insurance. Also on XX/XX/XXXX, my insurance company e-mailed me saying that my insurance had not been paid. 

This morning ( XX/XX/XXXX ) I received notice that my policy had lapsed. I tried for two hours to connect with a customer service representative from SLS to work out my problem, but could not get through their automated system, which was only able to repeatedly provide me with my escrow account balance. 

According to my insurance company, SLS received multiple notices describing when my payment would be due, and they still failed to send the payment on time. Once they knew the payment would be late, they apparently did nothing to expedite the process. 

I'm heading into the weekend now with no homeowner 's insurance. If SLS is unable to pay my insurance and taxes on time, then I would like to end my escrow account and minimize my interactions with this company.
Consumer complaint received 2019-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (VA)

When I first acquired my home mortgage through XXXX XXXX XXXX, I set up automatic payment. I always have bills set up this way to ensure nothing is ever missed. When Chase acquired the mortgage and my loan was transferred over, apparently a payment ( although still set up through automatic payment ) was missed. I didn't know about this, nor the transfer. Chase has been charging me interest and has said I'm behind a payment ever since. They contacted me a few years later to notify me of this. As to why I never noticed .... I set everything up on automatic payment for this very reason. During this time, I've gone through a divorce, had major medical issues, started a business on my own ( and have been trying to maintain it ), etc., so I trusted everything on automatic payment to continue as it always has. I've spoken to a number of representatives at Chase and can't seem to make any headway. This seems highly unfair, unjust, and unethical.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Approximately a week ago I filed disputes in regards to aliases and old addresses with the credit bureaus XXXX and TransUnion. I asked them to remove inaccurate information and I provided my California identification which provided my accurate address and correct spelling of my name I said in the dispute please remove all other variations of my name or aliases and please delete all addresses not reflecting on my California license or ID
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (IL)

I have 3 accounts reporting late payments which are inaccurate. Companies are XXXX XXXX XXXX XXXX 1 LATE PAYMENT NORDSTROM/TD BANK USA 2 LATE PAYMENTS XXXX XXXX XXXX 3 LATE PAYMENTS ALSO inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK ( XXXX XXXX ( Finance ) XXXX XXXX XXXXXXXX ( Bank ) XX/XX/2022 2022
Consumer complaint received 2022-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I opened Capital One Credit card XX/XX/200. I have kept the card clean and pay my bill on time. 
Recently when making a payment from my online account. I had a lock on the account and the payment was returned. When XXXX realized the lock I unlocked the account and resubmit the same amount of payment of {$2000.00} and it went through. But before long I noticed that my account has been locked. I called Capital one to unlock my account. I verified all the info they needed but they did not unlock the account. Besides they discriminated me using discriminative language such as this is done just to you. And other talk down language such as it seems you dont understand this complex concept. 
I reported the incident and that my account has not been open to the supervisor. She promised to contact me another time. From that time I called about 5 times and I couldn't speak to the supervisor. She said she can not provide direct line to resolve the issue but she is the only one who can resolve the issue. However, when I call they tell me she is not available and she never tried to reach out again. 
Recently I paid the accout off and requested for them to unlock my account. They have not unclocked the account and they are threatning to close my account. 
I believe this is just the continuation of discrimination, intimidation and put down to close the account that has been and it is in good condition for more than XXXX. I feel that Capital One is overstepping their authority and they are exercising financial abuse to a good customer for no reason at all.
Consumer complaint received 2020-12-17
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: FIFTH THIRD FINANCIAL CORPORATION (IN)

XX/XX/2020 went into fifth third bank at XXXX XXXX  XXXX XXXX XXXX in XXXX ( not my bank ) and received 1 cash advance for XXXX with my XXXX XXXX. My credit card company listed me receiving 2 cash advances. First called bank fraud department who said I must dispute thru credit card company which I did. They closed investigation out even though fifth third sent documentation that only 1 transaction occurred and has batch report proving only one credit card advance for XXXX occured. XXXX  XXXX  says that the bank ran two advances regardless of the proof provided to XXXX  XXXX  of only one. XXXX  XXXX  says only way they will reverse charge is if the bank provides in writing its plan to reimburse me or them credit card company said I needed to take my statement into fifth third which I did XX/XX/XXXX and sat with bank manager for an hour who said she needed to contact their internal department to figure out where that XXXX went since it was not given to me. I call and bank manager doesn't speak to me just tells them to tell me she is still working on it. Fifth third f raud department refuses to launch investigation stating it's their policy that I dispute with credit card company. Credit card company refusing to do anything and closed dispute even though fifth third bank manager called and spoke to XXXX  XXXX  dispute department supervisor and explained it was their fault what can I do?
Consumer complaint received 2022-12-30
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. (IN)

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. 

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-09-28
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. (TX)

In accordance with the fair credit reporting Act XXXX Accounts # # XXXX XXXX XXXX XXXX # XXXX XXXX finance # XXXX XXXX Consumer Violated my rights 15 U.S.C ( 1681 ) SECTION 602 A STATES THAT I HAVE THE RIGHT TO FAIRNESS, Impartiality, and privacy 15 U.S.C 1681 Section 604 A Section 2, A Consumer Reporting agency Can not Furnish A Account without My written instructions
Consumer complaint received 2019-02-07
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. (GA)

I have incorrect 30 day, 90 and 120 day late payment on my XXXX  accounts but have documentation showing current and correct payment amount. I have repeatedly asked XXXX to fix the incorrect information on equifax, XXXX   and XXXX  for XX/XX/2016, XX/XX/2016, and XX/XX/2016. These late marks are hurting my credit report and preventing me from getting a mortgage.
Consumer complaint received 2019-02-07
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. (GA)

I have incorrect 30 day, 90 and 120 day late payment on my XXXX accounts but have documentation showing current and correct payment amount. I have repeatedly asked XXXX to fix the incorrect information on XXXX, XXXX and transunion for XX/XX/2016, XX/XX/2016, and XX/XX/2016. These late marks are hurting my credit report and preventing me from getting a mortgage.
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (TX)

I read on my statement that my interest rates would be increasing ( 24 % ) based on my credit score. My credit score has risen to almost 700 in the past year. I have another AMEX card with a 14 % interest rate with no increase. I tried to contact the company, but they stated that they don't know why this happened and there is nothing they can do about it. 

The terms the credit card company and I have not changed over the last three years. This is an apparent mistake on the credit card company, and they do not want to correct it.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have reviewed my credit report and there are many fraudulent accounts listed on my credit report. I will list the items attached below. 

When you get this complaint that includes my identification and FTC report, please BLOCK and DELETE these fraudulent accounts from my report.
Consumer complaint received 2018-11-28
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. (TX)

I check My Credit back In XX/XX/XXXX, I found a lot of wrong information on credit report, I was victim of ID Theft. Which I informed all 3 credit bureaus of this .. I dispute all the wrong information and they remove some and left some the same .I continue ask to send me signed documents of proof of accounts that showing wrong. Which they never provided me proof of any of the wrong information that showing on my report.. I received new report on XX/XX/XXXX and its still showing incorrect information .The accounts listed below. Which the have account showing 30 das late payments. I was never late on any of these accounts, Please help me get this fixed. I always paid as greed on time on all accounts. 

Showing late on theses dates 1. XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX 2 XXXX XXXX XXXX Acc # XXXX  XX/XX/XXXX 3.XXXX XXXX XXXX Acc # XXXX  XX/XX/XXXX,XX/XX/XXXX 4.XXXX/XXXX/XXXX Acc # XXXX  XX/XX/XXXX,XX/XX/XXXX 5. XXXX XXXX XXXX Acc # XXXX   XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 6.XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX ,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 7.XXXX XXXX Acc # XXXX  XX/XX/XXXX
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Bureaus, Inc. (GA)

The Bureaus INC who had my account with XXXX XXXX was paid off. They are not removing the Debt from my credit reports ; XXXX XXXX or XXXX. I have filed disputes as well. It is showing that 0 % was paid off. Bureaus INC sold the account to XXXX XXXX and I settled the debt with them for {$710.00} and it was drafted from my acct XXXX XX/XX/2020.