davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-17
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: EQUIFAX, INC. (KS)

I have submitted in writing to XXXX XXXX XXXX in XX/XX/XXXX. Regarding XXXX XXXX XXXX conducted unauthorized hard credit inquiry without my consent in any form and without having my social security number for internet service that was set up in XX/XX/XXXX. As of XX/XX/XXXX XXXX XXXX XXXX has emailed stating they would submit a request to Equifax to remove the credit inquiry and states process would take upto 45 days to complete As now XX/XX/XXXX nothing has been resolved. 

I contacted Equifax on numerous occasions including XX/XX/XXXX 21 min call, XX/XX/XXXX 17 min & 22min call, Representative states I need to submit a letter in writing to Equifax to open a dispute for issue i am calling regarding XXXX XXXX XXXX.With the following information : Full name, phone #, Current address, specific info disputting and two forms of verification from https : //help.equifax.com/s/article/What-documentation-should-I-send-in-to-validate-my-ID-or-address Equifax Representatives also states on several occasions we do not have enough information on file to access your file I asked on several occasions what do you mean you dont have enough information on file Considering I was able to get my Equifax credit report through XXXX? 
All the representatives spoke to keep repeating the same thing except the last agent on XX/XX/XXXX he stated i need to send two forms of acceptable verification. 

XX/XX/XXXX I sent a letter enclosed with dispute and two forms of acceptable copies of verification as stated on https : //help.equifax.com/s/article/What-documentation-should-I-send-in-to-validate-my-ID-or-address I sent in a copy of driver 's license and a copy of my Utility bill with the correct address for internet Documents were received by Equifax on XX/XX/XXXX via USPS with tracking XXXX XX/XX/XXXX 1hr, 39mins. XXXX CST I spoke to an Equifax customer service representative and an Equifax XXXX Consumer Care supervisor ( i believe her name was XXXX ) who states my document have received and reviewed. But then once again Equifax representatives states We dont have enough information on file After they have asked for my name, address, and social security number verbally over the phone which was the identical information that was presented on my Equifax
Consumer complaint received 2021-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (PA)

Convergent OutsourcingXXXX has contacted me via USPS for a debt that does not belong to me. They told me that I owed this particular debt to a XXXX which is not true. How can these people be permitted to operate and send these bogus letters to people? When I called them they continued to state that I owed in excess of {$700.00} for a bill not paid. Clearly a huge mistake. While I was speaking to them I looked them up and realized that they are not a valid company. I also confirmed with XXXX that this charge is not valid.
Consumer complaint received 2019-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

To Whom It May Concern, The reason for my dispute is PORTFOLIO RECOVERY ASSOCIATES LLC was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with thisrequirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY ASSOCIATES LLC this account was already disputed with another collections agency that in turn sold it to PORTFOLIO, THEN failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PORTFOLIO RECOVERY ASSOCIATES LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PORTFOLIO RECOVERY ASSOCIATES LLCis held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PORTFOLIO RECOVERY ASSOCIATES LLC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.PORTFOLIO RECOVERY ASSOCIATES LLC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION (DE)

Initially, I received a text on my XXXX from a company named PENFED Credit Union, that I've applied for a cc but they can't check my credit history because my files are locked. ( Thank goodness I had all three locked and frozen ). A couple of weeks later I get a letter in the mail from PENMED Credit Union, dated XX/XX/2023, thanking me for my recent credit application. But upon attempting to access my credit information, they received a notification that my credit information is locked. In order for them to perform their credit review processes, they will need access to this information. And then they asked me to go to XXXX and unlock it. That is when I called my ID protection through XXXX. XXXX directed me to their resolution center XXXX. It is now under investigation with XXXX. 

While on the phone with XXXX  restoration specialist, she called PenFed to report. Pen Fed has written a report and sent it to their security department.
Consumer complaint received 2019-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

Loancare aquired my loan and from the beginning they said that my aut payments would not change but that was a lie. They cancelled my auto pay without a call or letter, I called them they said my auto pay was voided and now I am behind. So I started sending checks, then XXXX they out of the blue cashed the check as well as took an auto payment that they said they cancelled. I called them and they said they do not see an auto payment, but I have proof from my bank.
Consumer complaint received 2019-09-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A. (IL)

Citibank shared my information without my authorization. When I brought this to their attention I was told they can share information with whomever they believe to be. I was told they do not need to verify any account information prior to sharing information about an account. When I challeged this concept was once hung upon by a " manager ''. when I called back I was unable to relay my concern as a different manager would not communicate with me, stating that everything I had to say was a personal attack. I was unable to present my concern without first making payment. I am gravely concerned Citi bank has shared my information with others and I will not be able to discuss this without having to make a payment. The best I was able to achieve was a possible manager call back in no less than 15 days. This is unacceptable. I need your help to resolve this unauthorized information sharing.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

I have a credit card opened ( Vervant PCB ) since XX/XX/XXXX and every month I make my payments on time but on my Experian credit report it show my account but says " No payment has been reported to this account ''. Also I'm unable to see my resolved disputes as well! I've spoken to the dispute department 3 weeks ago and was told that my credit card payments are being reported every month and I also get email alerts that tell me my disputes are ready but this wasn't their issue I had to speak with the membership department to file a case for technical issues. 
I spoke to the membership department and filed 2 cases for both issues # XXXX & # XXXX which these issues were supposed to be resolved and fixed within 72 hours. It's almost a month and Experian still won't fix my issue. I spoke to several supervisors and was promised this would be fixed! The last supervisor I spoke to was extremely nasty and refused to help me her name is XXXX on XX/XX/XXXX. I asked for a refund because I pay a membership fee every month of {$24.00} and I expressed how important it was for me to have accurate information because i pay a credit repair company every month to help repair my credit and this is getting in the way of my progress. My credit repair specialist was disputing XXXX  XXXX credit card for months thinking the consumer wasn't reporting my account when the whole time it's a Experian issue. Can you please help me?
Consumer complaint received 2019-09-17
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: Experian Information Solutions Inc. (OH)

Unauthorized accounts on my credit report by all three Credit Bureaus ( XXXX, XXXX, Experian ) XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2019-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Unauthorized accounts on my credit report by all three Credit Bureaus ( XXXX, TransUnion, XXXX  ) XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2019-09-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

Synchrony is charging incredible interest rates and late charges without a grace period. Late charges on a {$500.00} balance is {$39.00}, therefore it nearly equals my minimum payment due. This late fee is then added to the overall balance owned and interest is compounded daily. A few late payments within a 12 month period adds to the balance owned. My question is this. Why are they adding fees to the actual balance? This seems very unfair and it is designed for Synchrony to generate additional interest income and fees that I consider predatory and unfair lending practices.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2019-09-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Clearview Resolution Services (CA)

Some one called my by the name XXXX XXXX and he kept saying there was a complaint with his client, but never revealed their name, and told me I had 48 hours to respond or they will pursue a lawsuit. This was on Tuesday XX/XX/XXXX. Then he called back yesterday ( XX/XX/XXXX ) and said he will treat this as none responsive. And i called the XXXX X XXXX and the recording said this is Clear View Resolutions, but the man said a different company and it sound like his voice was reading from something while telling me about the procedures. I have talked to an Attorney and he said they suppose to tell me who they are calling for and how much debt it was. So he also told me i shouldn't call back until he gives more info. It sound like a Scam, but he shouldn't be calling me and harassing me.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have provided the reports with all FTC violation on these accounts 4 months later they have done nothing to resolve the breach that XXXX has known and claimed that was their fault please correct my credit so I can go back to my daily life as a hard-working agent that is just providing food for my family
Consumer complaint received 2017-12-22
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (GA)

I consolidated all my Federal Student Loans with XXXX XXXX as my servicer in XX/XX/XXXX but Navient/XXXX  started billing me for the reference loan. I have been writing them disputing the loan and telling them it was included with all my loans in XX/XX/XXXX. They also have been reporting this loan on my credit bureaus, XXXX  and XXXX. They also have it reported as a defaulted loan. I filed Bankruptcy in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and each time I listed this loan. 
I wrote Federal Student Aid and the Ombudsman Group to assist with resolution. Ombudsman has been working to solve the error made but XXXX but it is still on my credit reports and listed as a defaulted loan. This is the information who is helping with this issue for months. 
FSA Ombudsman Group Case # XXXX Inference : Federal Student Aid Federal Family Education Stafford Subsidize XXXX XXXX XXXX XXXXt phone # XXXX XXXX XXXX Please assist with XXXX  fraudulent information being reported to credit agencies and they are trying to collect monies from me that I do not owe them. 

This is what XXXX is reporting to credit agencies that is incorrect information because I have included this loan into XX/XX/XXXX consolidation and filed it in all my Bankruptcy Cases. 
XXXX : opened XX/XX/XXXX Original Creditor : Navient XXXX XXXX XXXX DBTCA ELT High Balance : {$2100.00} Thank you for your attention in this matter. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-26
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. (IL)

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX {$88.00} XXXX XXXX XXXX XXXX - Comed XX/XX/XXXX {$860.00} XXXX XXXX XXXX Closed Credit Card Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Credit Card Opened XX/XX/XXXX XXXX Illinois University XXXX XXXX Opened XX/XX/XXXX ( Been Reporting for over 18 years ) XXXX/XXXX Other Opened XX/XX/XXXX XXXX/XXXX  Other Opened XX/XX/XXXX XXXX XXXX XXXX  Credit Card Opened XX/XX/XXXX XXXX/XXXX Other Opened XX/XX/XXXX Discharged Chapter XXXX Bankruptcy Reference # XXXX Individual Responsibility XXXX XXXX XXXX Credit Card Opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-09-13
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: JPMORGAN CHASE & CO. (FL)

I bought a pairs of shoes with my Chase freedom credit card to a company called XXXX XXXX for the amount of {$750.00} dollars on XX/XX/2019, when I receive the shoes one of then wasn't what I order and I call the company to claim my what I ordered and they tell me that they were gon na open an investigation, after that I try to get in contact with them calling more than XXXX times and they don't answer to me, so I decide to call chase and open the dispute, after that I receive a credit on my account for the amount of {$350.00} but still XXXX dollars pending to be refunded, I've been calling chase every day in order to get that money back and provide proof that I returned the item plus pictures of what I receive and return label, and they said that is not enough and that there is nothing they can do, so I don't know what to do in order to get back the {$390.00} dollars that I paid for something that I didn't receive.
Consumer complaint received 2023-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (MD)

XX/XX/2023, I was able to access my banking accounts which consist of a checking, savings and credit card with USBank. This morning on XX/XX/XXXX, I woke up and remembered I needed to pay a bill. I got on their app on my smartphone and the sign-in page said " Stumped, please check back later. '' I got on the laptop and signed into my account, it said my credentials failed, so I reset my password. I typed in my customer ID and the last XXXX digits of my SSN. Their site said they're stumped again because they can not find my profile or account! I never got a warning about my accounts disappearing from USBank in email, phone call or postal mail. Nothing. No warning. The last email XX/XX/2023 from USBank was about changes to their digital services agreement. No explanation where my profile or account went.
Consumer complaint received 2018-10-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (CA)

The original debt was with XXXX XXXX XXXX more than 10 years ago. Per FCRA and FDCPA any debt older than 7 years is released per statue of limitations. XXXX XXXX XXXX to keep harassing me has sold the debt to multiple parties such as XXXX XXXX XXXX, XXXX and now Radius Global Solution LLC fromerly XXXX XXXX XXXX. Every time they sell the debt to another collection agency, I write the collection agency and XXXX XXXX to inform them that if they keeps harassing me I will sue them. They stop harassing me for a while but then they sell the debt to another collection agency to circumvent the statue of limitation who tries to collect the debt and harass me after more than 7 years and against the law. This practice of XXXX XXXX is in violation of the law and OCC regulations. 

Current Holder : Radius Global Solutions Reference # XXXX for amount of {$3700.00} when original principal debt was {$460.00} XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2024-02-08
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: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2019-09-13
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)

This company I took at XXXX loan with and I have paid them back XXXX starting in XXXX. They said I had a payment that did not go thru and I requested the information with no response from them and then they reported 30days late dinging my credit. I also already res submitted. This is not even an installment loan this is loan shark loan. I asked them for statement and they did not respond nor have they ever sent me a statement. and pay off and they never responded to that either. The biggest joke of all is that I tried looking up and on my credit report are reporting that I owe them XXXX after paying XXXX on XXXX loan. This complaint is going to CA DOJ as well and this predatory loan I am XXXX  they are just stealing money and ruining credit. I have filed complaint /dispute with Experian as well. I belive this is XXXX going by a different name.This is a scam loan and they never report correctly.
Consumer complaint received 2019-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (GA)

I'm working with Roundpoint Mortgage. I pay {$3300.00} per month. I made the prepayment of {$15000.00} ( {$4000.00} once and then {$10000.00} ). I was hoping the payment to automatically reflect that but it didnt and when i called i was told that i need to apply for a mortgage recast. I mailed in form the customer service rep told me to mail in and even emailed the same form on the XXXX of this month. I called again after mailing it out and spoke to the same rep who told me that she'll mail out another application after they receive my form. I asked her to email that to me to expedite the process to which she told me they dont email it out. I was surprised as to why would they not email it to me and why only mail it? It clearly looks like they are tyring to delay the recast process so that they dont reduce my payment even though I've prepaid {$14000.00} towards my principal. 

So i followed up today on this and asked the agent when are they going to mail me that application? He confirmed that they have received the form i sent in last week and said they have assigned a rep for this and that they are not going to mail out the application. This is not what i was told last week. Then this rep transfers me to 6 different people and everyone looks like is trying to give me a run around just to prolong the recast process so that the ROUNDPOINT Mortgage doesnt reduce my payment even though they have received {$14000.00} in prepayment towards the principal.