davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-11
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. (NJ)

Since XX/XX/XXXX ; I have been proactively trying to get inaccurate, non-compliant accounts to be updated correctly on my credit report by submitting the appropriate requests and supporting documentation from the creditors/collectors showing the account status is to be updated to paid and the comments showing either paid in full or paid and settled for less than full amount. The bureaus and creditors/collections agencies just point blame and constantly send me back and forth for resolution. The creditors and collections agencies did supply me with supporting documentation since XX/XX/XXXX showing the accounts were to be updated to accurately reflect the correct status yet the bureaus continue to fail and report inaccurately and non-compliantly. I have been trying to amicably resolve this and have since been denied a mortgage due to the negligence of both parties. XXXX XXXX, XXXX & Equifax continue to be negligent and I am seeking the accurate updates per the supporting documentation to be completed immediately. Thank you,
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Since XX/XX/XXXX ; I have been proactively trying to get inaccurate, non-compliant accounts to be updated correctly on my credit report by submitting the appropriate requests and supporting documentation from the creditors/collectors showing the account status is to be updated to paid and the comments showing either paid in full or paid and settled for less than full amount. 

The bureaus and creditors/collections agencies just point blame and constantly send me back and forth for resolution. The creditors and collections agencies did supply me with supporting documentation since XX/XX/XXXX showing the accounts were to be updated to accurately reflect the correct status yet the bureaus continue to fail and report inaccurately and non-compliantly. I have been trying to amicably resolve this and have since been denied a mortgage due to the negligence of both parties. 

XXXX XXXX, Experian & XXXX continue to be negligent and I am seeking the accurate updates per the supporting documentation to be completed immediately. 

Thank you,
Consumer complaint received 2019-09-11
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: AMERICAN EXPRESS COMPANY (NY)

I disputed an entry to my credit report from AMERICAN EXPRESS to XXXX ( XX/XX/XXXX ). They reported me DECEASED ( BOTH AMEX AND XXXX ), and sent my information to an agency called XXXX which notified me I was dead. I immediately called them and reported I was not deceased and they would report this to AMERICAN EXPRESS ( XX/XX/XXXX ). I tried to contact AMERICAN EXPRESS on numerous occasions, by telephone and via internet, and could get nowhere since they said my account was closed.. I was contacted by XXXX XXXX , XXXX . ( and was successful in negotiating a settlement with them for NO LATE FEES, and only monies owed to AMEX ). The amount paid was {$1600.00} against an AMEX LATE FEE BALANCE OF {$3200.00} Terms of the settlement with XXXX was ( 1 ) remove the DECEASED from the credit report ; ( 2 )  REINSTATEMENT of the long-standing account at AMEX ( XX/XX/XXXX year opened ), and ( 3 ) no income to me on a 1099 at year end since this was AMEX error. XXXX   concluded their report with no change, XXXX took the payment, and our credit report still remains DECEASED with a charge off of {$3200.00} to AMERICAN EXPRESS
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc. (OH)

Hard Credit Inquiry on XX/XX/2019 from XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2018-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Please be advised that I contact Capital One I formi g my acct not being reported in the month of XX/XX/2018. my Capital one acct ending in XXXX has not been report correctly by XXXX since XX/XX/2018.. This is cause my credit score to be lower. And my credit limit has been increased by XXXX.
Consumer complaint received 2018-12-21
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 (VA)

My complaint is with Capital One Bank. I'm continuing to receive fraudulent charges on my account. Since XX/XX/2018, I have received 6 new accounts with 6 new credit cards issued because of this. I'm a victim of data breach by Capital One. The fraudulent charges are from subscription services that were never authorized. Capital One states that Visa/Mastercard has an agreement with merchants for subscription services to continue to give updated card information. What about the agreement with Capital One and Visa/ Mastercard , with protecting the consumer? My account has been compromise 5 times, with 6 new credit cards giving to me in 3 weeks. I'm also concern about my credit due to this. Capital One has refunded the charges and sent letters to me on all the accounts that the dispute is resolved, and it won't happen again. However, it continues to happen. It is giving me anxiety, stress, discomfort and it is time consuming to have this continue to be unresolved. It isn't my job to contact the merchant, if the charge is fraud. It is Capital One 's job to contact the merchant. With it happening 5 times and 6 new credit cards, issued to me by Capital One in 3 weeks, it should be flagged for a fraud investigator to look into this matter, personally. On XX/XX/2018, I spotted another fraud charge, and I had Capital One fraud department contact the merchant with me on the phone. After questioning the merchant with a Capital One Fraud Investigator on the phone, It was told to me by the merchant, that Capital One, never called them or sent them a letter to find out why the merchant charged my credit card account. Capital One 's fraud department isn't doing any investigation on fraudulent activities, they are sending out letters that the problem is resolved, in reality it keeps occurring. All consumers need to be aware, I was told that when a credit card is sent by mail from Capital One, the activation only protects the chip. If someone gets your mail, they can use the account number, expiration number and the security card, without the card being activated, a few times they sent a credit card to me and it stated no activation is required the account is ready to use, which I kept the letter the credit card was sent with, why send cards out this way if fraud is reported on them, this is a problem by Capital One Bank. It would only be fair for Capital One to provide credit protection by all 3 credit bureaus due to this mishap on their part. I want to be assure this doesn't effect my credit, this doesn't happen again, and my account is personally handled. Seriously, as a consumer I have broken all records, receiving 6 credit cards in 3 weeks, wow. If this continues, the media will be involved. Consumer accounts compromised - DATA BREACH BY CAPITAL ONE BANK.
Consumer complaint received 2023-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sentry Credit, Inc. (WA)

The balance in question was paid in full, and on time, The company is saying, I have an outstanding balance of XXXX from XXXXXXXX XXXX in XXXX Washington. The property owners are XXXX XXXX. I just received notification from a collection agency saying that it is unpaid. I paid that amount on XX/XX/XXXX by check to the property manager. The check has cleared. I have spoken with them previously about this and I assumed it was resolved. I have requested a copy of the canceled check from my bank.
Consumer complaint received 2023-03-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (AZ)

commencing on or around XX/XX/XXXX, i fell victim to a multi-layered scam operation orchestrated by XXXX XXXX  ( the fraudsters or company ), with the design, development, manufacturing, promoting, marketing, distrubuting, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX which were transferred from my wallet utilizing your services
Consumer complaint received 2018-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

THE ACCOUNT WAS OPENED XX/XX/2018 AMOUNT OWED THATS REPORTING ON MY CREDIT REPORT XXXX I FILED A DISPUTE THROUGH THE CREDIT BUREAUS FOR IDENTY THEFT I WAS UNAWARE THAT THIS ACCT WAS OPEN I DID NOT OPEN THIS ACCOUNT OR GIVE ANYONE PERMISSION TO OPEN ACCOUNT IT IS CABLE BILL ACCT BUT THEY GAVE TO A COLLECTION AGENCY BY THE NAME OF SOUTHWEST CREDIT SYSTEM ORGINAL COMPANY IS XXXX
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # 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
Consumer complaint received 2020-08-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

Good morning, I applied for a HELOC loan with US Bank. When I applied for the loan, US bank asked me to send my credit cards debt by the time. I sent the information to them. My balance on XXXX   credit card was {$9000.00}. When they approved the loan they send me the check playable to chase. Since the loan approval took more than a month, I paid to chase credit card in that time the amount of {$1300.00}. When I went to the bank with the check I got from US Bank they didn't accept the check because the balance was lower ( {$7700.00} ) than the check amount ( {$9000.00} ). I called US Bank and they send me another check for the right amount of {$7700.00}. I paid off the balance to this credit card. 

The issue is I'm paying to US Bank the amount of {$9000.00} + interest ; but the real money I got from the bank was {$7700.00}. Meaning I'm paying {$1300.00} dollars I never received. For any reason US Bank put the original check amount on my loan. 

I started to call the Bank, I don't remember how many times and how many hours explaining the Reps about the issue but they never solved it. So I started to send emails with unsuccessfully results. I got all emails related to this issue, the copy of the check provided by XXXX, etc. 

Since there is no US Bank branch in XXXX, it is impossible to solve any issue by phone or email. 

I really appreciate your help. 

XXXX XXXX
Consumer complaint received 2019-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

Nationstar Mortgage ( dba ) Mr Cooper -- the company holding our mortgage -- increased our escrow payment amount required for XX/XX/XXXX by $ XXXX/month ( $ XXXX/year ) 62 % [ from {$500.00} to $ XXXX/month ].  Our tax and insurance increase for the same tax period was {$340.00} ( ~2 % ) for the year which works out to an increase in monthly expenses of {$29.00} ( property tax increase $ XXXX/year ; property insurance increase $ XXXX/year ). 
We had been using excess cash to pay down our mortgage by increasing principal payments. We had asked the mortgage co. on XX/XX/XXXX ( XXXX : customer service @ XXXX ) to refund us the 3.625 % ( interest rate on mortgage ) we would have saved on that amount durning that time period. We were told they do not pay interest on escrow accounts. We find this sharp increase to be unethical and unsettling if not illegal.
Consumer complaint received 2022-03-01
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. (TX)

When I complain and make requests for the permissible permission used to access my credit report on XX/XX/2017 from XXXX XXXX XXXX XXXX ( COAF ) and Experian, XXXX automatically labels without even reading This complaint appears to be about the same issues as your earlier complaint. XXXX is Experians client and neither have yet to supply the permissible permission to have accessed my credit report on XX/XX/2017. XXXX  is wrong, doesnt even read the complaints, and wipes their hands clean of this because they are trying to shield themselves from the wrongdoing and liability associated with unlawfully accessing a citizens credit report without permissible permission. Is XXXX a company in XXXX?
Consumer complaint received 2021-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP (TX)

The Company Rausch Sturm LLP has sent numerous letters in an attempt to collect a debt that as a consumer I do not owe. several times they have brokenthe law under 15 U.S.C 1692d.

Their Phone number comes up different everytime they contact me but the one that I have for them is XXXX. This has been a nightmare and I would like for them to stop or my next step will be to call the FTC
Consumer complaint received 2021-07-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Management Recovery Corp. (NMRC) (TN)

On XX/XX/2021, I was contacted by someone who appeared to be posing as a county clerk official and stating that I was going to be sued. They would not disclose any information regarding the " summons '' after I asked questions pertaining to the validity of this debt, but they provided me with an " affidavit '' number and a number to call the law office that was handling the lawsuit. Upon calling the number I was given, I was greeted with threatening language by someone named XXXX after trying to figure out what was going on. My first ever interaction with this company today, the representative hung up on me so that I could not ask any more questions. When I called back, I tried to get more information from them but was met with more threatening language that resulted in me feeling coerced to give up credit card information without the alleged debt being verified. This company claimed that they were a law office filing a lawsuit on behalf of the alleged creditor and I was going to be served at home, employers would be notified, all of my wages/assets would be seized, and I haven't even been able to verify debt. The information the representative had predates the contract in question by 2 years and I was not provided with written correspondence regarding these claims. After today 's antics I am certain that FDCPA rights are being violated. I did not sign a contract with National Management Recovery Corporation and they should be investigated for their collection tactics.
Consumer complaint received 2023-03-10
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX  {$400.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$650.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$2000.00}
Consumer complaint received 2020-02-05
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: Experian Information Solutions Inc. (FL)

I have tried to resolve this issue with the debt collector because this is not my account. I have been a victim of identity thief. I have asked that several times to investigate this item. The item listed below is the account that is not mines : XXXX XXXX {$140.00}
Consumer complaint received 2019-09-11
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. (KY)

Filed chapter XXXX XX/XX/XXXX, XX/XX/XXXX, discharged received. XXXX received a copy of credit report from my financial institution. Report revealed auto financing company failed to report auto payments post-reaffirmation payments. I contacted finance company who stated under FRCA, they have the right not to report payments for clients who file bankruptcy. 

I contacted the attorney, who sent correspondence to auto finance company. XXXX, auto finance company submitted similar information given to me verbally to attorney.
Consumer complaint received 2023-03-10
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: Specialized Collection Systems, Inc. (TX)

I am a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2018-05-22
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)

The company was having issues with their system so all payments had to be mailed in and they said that they would not count any payments as late because of their system issues. There is now a late payment on my report and its stopping me from buying a home. This is not fair and is in violation of my rights as a consumer. I did what they said and this is not fair that they did not keep their word.
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX Accounts listed below has violated my rights. 
15 U.S.C 1681 Section 604 A states I have the right to privacy 15 U.S.C 1681 Section 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of Education XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2019-09-11
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LOAN SIMPLE INC. (CO)

There are two separate concerns with the sale of our home. 1 ) It was never disclosed that the real estate agent and the lender for the buyers, where related at the time of signing of our real estate contract back on XX/XX/2019. 2. ) We than received notice from our realtor XXXX XXXX with XXXX XXXX-XXXX XXXX XXXX that the appraisal came in at {$440000.00}. I requested to see a copy of the appraisal and was told they would email it to us after we signed the agreement to amend/extend contract as we were under duress to get the contract sign as we were closing on Tuesday ( 9/3 ) and this was a Thursday night with 15 minutes to spare and it being a holiday weekend. ( Monday was XXXX XXXX ). The counter offer of the property was never sent to the appraiser, so the appraiser based his findings off the original offer which was {$20000.00} less than the contract price. So the appraisal of the property came in at {$440000.00}. The amendment to contract for a sell price based off the appraisal was sent to us Thu, XX/XX/2019 XXXX XXXX  and the appraisal was sent to us at Thu, XX/XX/2019 XXXX XXXX, which is when I saw the contract to sell price was wrong. It was showing a sell price of {$430000.00} not {$450000.00}. I then said we wanted to cancel our amend/extend contract and wanted a reconsideration of value done of the appraisal. The appraiser said he never received the counter offer and that he would email the lender ( Loan Simple ) XXXX XXXX XXXX NMLS:XXXX  to get the correct contract and send them a reconsider form to his appraisal since he didn't have a signed contract. They refused and said that we had already signed the amendment/extend form and would sue us for specific performance if we didn't close. I feel that we were fraudulently mistreated by the Buyers broker and lender. I believe the lender and him acted together. We ended up losing {$10000.00} after all is said and done. We contacted an attorney and he said we had a good case but would spend {$5000.00} chasing {$10000.00} which we are unable to spend at this time since we are in the process of building our future home. Please investigate this matter in fear of this happening to future clients.