davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-16
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: Receivables Performance Management, LLC (MO)

Best Regards : Next, I will share with you a letter that I have sent to the Credit Bureau ( Experian ) and to the Collection Agency " RECEIVABLES PERFORMANCE '', this letter can be consider as a complaint letter and it will provide you with the details of my complaint. 

Credit Reporting Bureau : XXXX Address : XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam. 

The collection account that was recently placed on my credit report on XX/XX/XXXX under the name of RECEIVABLES PERFORMANCE account # XXXX was previously Reported as Fraudulent and Deleted on the credit report of XX/XX/XXXX and your report # XXXX shows these item was deleted from my credit file. Now these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not  reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. 

Thank you.
Consumer complaint received 2019-01-30
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. (CA)

Please know that I was not late on XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Consumer complaint received 2023-08-16
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. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CT)

American Express wont credit me rewards points for charges made from XX/XX/XXXX - XX/XX/2020. I have an American Express XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX I was billed from an merchant. Once I saw the unauthorized charge on the account and did not recognize the charge so I called td bank and they advised it must be fraud. They did not advise me of who the merchant is. They did not tell me who to call. They did not guide me in any way to show me if this was fraud or a dispute. They treated it as fraud and received a sales draft or a representment back stating I authorized this charge and sent me the documentation dated XX/XX/XXXX showing XXXX XXXX is for the taxes I was refunded when I made a purchase in duty free. They claimed I did not submit the form however I did. I was advised to drop the form into the blue box thats in the airport which I did do. XXXX XXXX does not have a phone number that I can call. The number is out of the country and the transaction is still a billing error. By the time I saw the documents I had already received a letter dated XX/XX/XXXX stating they had issued a credit to my account and the dispute was resolved in my favor. XXXX XXXX XXXX  XXXX I started getting collection calls saying I owed this amount. I contacted the bank and they advised they never sent the letter and I told them they did. After them investigating some more they said the letter was sent in error. I have been going back and forth with the fraud/dispute department manager XXXX XXXX who advised I was wrong for claiming fraud and I said no one told me who it could possibly be so if the bank cant tell me who they are then how would I know. She said there was nothing she could do. I was sent to collections. It effected my credit and I was charged interest and late fees. XXXX said the letter was an error. No one caught this error before I was sent into collections. I had to call them to tell them they sent me this letter months ago. I asked XXXX to speak to my daughter and they talked on XX/XX/XXXX. XXXX advised she would submit the escalation and we would have an answer within 7-10 days. No one has called us back. We called two to three times and my daughter left voicemails for her to call back and she has not. Td bank has mishandled this case and incorrectly sent my account to collections and has not been in communication as promised. The transaction is still a billing error since I did everything I was told to do per the merchants terms and conditions and they refuse to take this dispute or credit the account for the error
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

On XX/XX/year> I noticed XXXX XXXX account # XXXX has been reinserted into my credit file. You are required within five ( 5 ) days of a previously deleted item. I did not receive such notification. Please delete this item immediately.
Consumer complaint received 2024-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (SC)

Rushmore Servicing took over servicing my mortgage last year, and they continually fail to apply the additional principal iI pay each month in a timely manner, therefore they hold it in an account and when I catch it, they do not refund the interest they overcharged me. The XX/XX/XXXX payment 's additional principal was not applied until I caught it in XXXX of XXXX. They did not refund the interest they overcharged me. 
In XX/XX/XXXX I sent a check for {$250.00} to pay for the escrow shortage, and they did not apply it till I called them XX/XX/XXXX. They held it in an account and couldn't figure how to apply the entire amount to escrow. That caused me to be charged additional interest as well. I wrote another letter, and they said they corrected but said my next payment is due XXXX. If it were done properly, my next payment is due XXXX. 
I have called at least 6 times and the call center people just can't seem to get it straight.
Consumer complaint received 2023-02-28
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: AMERICAN HONDA FINANCE CORP (FL)

American Honda Finance Corporation still reports delays in payments on cars that I have paid in full, this is due to the fact that during the COVID 19 pandemic, I had a delay with the payment of the bills of my 2 vehicles, however this delay was generated by adjusting to the refinancing policies and payment options that they offered due to the world problem, I adapted to their consideration measures for those of us who were without commercial and productive activity, by phone call we agreed that the payment of the delayed bills would be made at the end of the credit commitment, and indeed we agreed on that, now time later it continues to stain my reports and I appear in 3 credit bureaus with delayed payments, affecting my growth, my reputation, my capacity and credit reports, I have spoken with them on several occasions, telling them that these delays occurred in accordance with the payment policies previously agreed with them, but no, they still have not removed me from the re postage nor do they seem to comply with what was negotiated at the time. Even though the 2 vehicles I bought from them are paid, I have already paid off the total debt, but the stain that occurred during the pandemic and that I had agreed with them as a financial institution continues to appear.
Consumer complaint received 2019-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (MA)

Good Evening Manager/Executive office ; I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I ask that you remove this inaccurate information immediately from my credit report. I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018, 30-days late? - how? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WI)

I bought a house XX/XX/XXXX, my mortgage holder was pacific union financial. First payment was due XX/XX/XXXX which I made with bank check on XX/XX/XXXX which they cashed but never put towards my loan, mortgage was sold to XXXX XXXX XXXX beginning of XXXX and that money still has not been transferred over to them towards XXXX payment. MR Cooper apparently owns pacific union and they acknowledged the issue was correct but still nothing has been resolved..They are past their 60 days grace to transfer funds and they have had the money for almost 90 days. Most consumers don't have an extra {$840.00} sitting around unneeded to write off or be without this long, myself included. I have made XXXX and XXXX payments but are still late because of this missing payment.
Consumer complaint received 2019-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

Dovenmuelhle Mortgage bought my Mortgage from XXXX XXXX. XXXX XXXX. or XXXX, that bought my mortgage from another company ( XXXX XXXX XXXX ). All this happened in less than two months. Dovenmuehle is now sending me certified letters and daily mail saying that I am in default of my loan. ALL the payments were made on time for my loan. I paid XXXX XXXX on XXXX XXXX, XXXX for XXXX as they still owned my loan to the best of my knowledge. On XXXX XXXX I paid my mortgage for XXXX to this other company ( I have bank proof as the payment was made online : XXXX XXXX XXXX XXXX   ). Some time in XXXX I found out the loan was sold once again. The original mail was sent to a very old address and I only got this notice very late as the post office forwarded the mail. Once I figure out the new company I paid them ( XX/XX/XXXX ) through an online account I created. Since then I have made every payment before the XXXX of the month. Yet, after like 15 phone calls where I am assured all is good, I continue to receive very threatening letters. I faxed the information about previous payments and who they were made to them on or around XX/XX/XXXX. I keep calling and calling but nothing gets solved. They still think I own money that the other company ( XXXX XXXX or XXXX. XXXX. XXXX XXXX ) should have paid them as I paid them and on time and proof of those payments was faxed to them. I really need help. I worry so much about bills that were already paid and I did NOT choose this company. I pay all my bills on time and now my credit is ruined because of the lack of organization of this company. I hope you can help me.
Consumer complaint received 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I have repeatedly requested physical documentation for the following accounts, ( 1 ) XXXX XXXX XXXX XXXX, {$950.00}. ( 2 ) XXXX XXXX XXXX, {$260.00}, {$210.00}, {$180.00}, and yet to receive anything outside of the following credit agencies XXXX  and Experian saying that account been verified. However in accordance with the policies of The FCRA if this requested information is not received then the accounts shall be removed. Therefore, I have requested the Method Of Verification and never received anything.
Consumer complaint received 2019-04-10
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. (OR)

Experian is reporting XXXX - XXXX still, they are the only bureau reporting this erroneous account. It is 7 years old and needs to be removed. 
I have current accounts with them and this account you're reporting is not valid or accurate
Consumer complaint received 2019-04-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (NJ)

On or about XX/XX/XXXX, I mailed XXXX XXXX a debt validation letter via priority mail. XXXX XXXX failed to respond and they failed to validate the alleged debt. On or about XX/XX/XXXX, XXXX XXXX  retaliated against me by reported the fraudulent debt to Multiple Credit Reporting Agencies, in violation of the the Fair Credit Reporting Act. On or about XX/XX/XXXX, I disputed the alleged debt and the fraudulent debt was removed from XXXX Credit reporting agency and I am awaiting the results from the other reporting agencies.
Consumer complaint received 2018-12-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (NC)

I have did a dispute in XXXX regarding Discover, and they said it wasn't a mistake. I know I was living in a shared residence with other people sharing a mail box that could have got their hands on sensitive information of mine. 

In addition, I feel like I'm a victim of Identity Fraud, I know that I have to get a special number to file with. I would like this off my credit and I'm tired of arguing about this debt.
Consumer complaint received 2019-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OR)

I discovered that someone tried to authorize a wire from my checking account in the amount of {$17000.00} via email from XXXX. I immediately contacted the fraud department and reported this within hours. I then went into the branch and signed the fraud claim forms within an hour of reporting the fraud via phone. I was told the claim was escalated and would take 2-3 days, I have heard nothing and my funds have not been returned to me. I was instructed to close my checking and savings accounts and withdraw the remaining funds. I lost a day of pay from taking off work to do this. I had to stop all my auto bill pays. I had to deposit cash on to a prepaid debit card so I can pay bills. This has completely disrupted my life as I just moved XXXX weeks ago as well, the timing could not have been worse. I did not authorized this transfer, I do not know what it is for or who has hacked my account. I have no answers and am now without a substantial amount of my hard earned money that I worked for 10 years building equity in my home that I recently sold just to wake up one day and it's gone, Devastating, this is my life savings. My money should be returned while this is being investigated. This is unacceptable.
Consumer complaint received 2019-04-10
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: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I am a victim of credit card fraud and personal loans. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX ny XXXX stole my identification in XXXX to borrow money etc from HSBC. Mr. XXXX stole my previous email address XXXX. my social security number etc.
Consumer complaint received 2019-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

one XXXX XXXX XXXX account is reporting under my transunion and XXXX  credit reporting agencies, this is a fraud or inaccurate information reporting under my name, i had disputed this account and was removed from my credit file, but then after 7 months it reappeared, please i need you help to get to the bottom of this inaccurate reporting. i have attached my police report and the FTC report that shows this account number and the date was opened and the balance. this is not mine, needs to be removed as soon as possible. 
thank you for your cooperation
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc. (RI)

I am writing because XXXX is inaccurately reporting that I have a bankruptcy on my credit record. This has adversely affected me.I have attached a letter from XXXX showing that this false reporting has caused them to change my credit terms.
Consumer complaint received 2019-04-10
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. (CA)

one XXXX XXXX XXXX account is reporting under my XXXX and experian credit reporting agencies, this is a fraud or inaccurate information reporting under my name, i had disputed this account and was removed from my credit file, but then after 7 months it reappeared, please i need you help to get to the bottom of this inaccurate reporting. i have attached my police report and the FTC report that shows this account number and the date was opened and the balance. this is not mine, needs to be removed as soon as possible. 
thank you for your cooperation
Consumer complaint received 2020-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

My name is XXXX XXXX. I had an account for many years. I had a checking and savings account. The bank closed my account for no apparent reason. I had my money from unemployment and my XXXX XXXX that were deposited in the bank. I havent received my money from Chase Bank. I just want my money that I worked for to be returned to me. My email address is XXXX. My cell phone number is XXXX. Please call me on my cell phone. Thank you. I tried to log in to my account, and Chase would not let me go in. I tried using the atm and XXXX number and I cant get my balance
Consumer complaint received 2019-09-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have over 30 hard inquiries on my credit report that I did not apply for. Some one applied for credit without my knowledge. I am outrage and upset because this have dropped my credit tremendously!!!
Consumer complaint received 2019-04-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Kashia Services (AZ)

I'm writing in regards to XXXX XXXX to inform you that this company is taking advantage of military dependents. I took out a payday loan with this company in XX/XX/XXXX in the amount of 970.00 dollars. This company has been taking money out of my account every pay period in the amount of 290 plus a pay period, which is over 580 dollars a month since XX/XX/XXXX. I was never informed that I would need to pay 780 percent interest on a 970 loan, that would amount to over 6500.00 needing to be paid back. 
this is an abusive organization and when I called to complain today XX/XX/XXXX because they said I still owe 1300, but only if I paid today the whole amount. otherwise they said they are going to take out 5 more payments at over 290 a payment. How is this company even allowed to operate and charge people 780 interest? 

They need to be investigated for violation of the military lending act.
Consumer complaint received 2018-09-05
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. (NC)

Please consider this a formal notice and complaint for the harm caused by Equifax, XXXX and XXXX  on my file. I have discussed with a credit reporting attorney and he has clarified to me that all 3 credit reporting agencies have failed to follow the compliance requirements of the Metro-2 format. I am writing this because I have attached a letter that describes the non-compliance that is evidenced by the 3 credit reporting agencies.

AND PLEASE UNDERSTAND THAT I AM ON XXXX AND HAVE A HARD TIME PURSUING THIS!!!!! 

I HAVE CONTACTED A SPECIALIST AND I AM FILING THIS ON MY BEHALF. I DO NOT WANT ANY STALL TACTICS PERIOD!!!