davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-26
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 XXXX divorced XXXX XXXX  in XX/XX/2017 we had a joint account at XXXX XXXX, Which was closed for non payment from my husband, not paying it was my wedding ring,. So in our divorce my ex wanted the bill to be all his to the judge signed to him even though it was closed, I am XXXX and could pay it anyways and the judge says I shouldnt have to. So I am having problems with experia and XXXX now transition took it off right away no problem. I need your help.
Consumer complaint received 2018-05-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank called and informed me they wanted to close my account due to too many claimsand too many debit card replacements. After contacting them to dispute this I was screamed at and was treated to several abusive tirades
Consumer complaint received 2018-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (IL)

My account was stolen on or around this XX/XX/2018 -current I have been reaching out to XXXX  to get this matter resolved there were foreign tranactions on my account that have not been refunded back to me that I didn't authorize I faxed and mailed all the documentation XXXX asked me to return yet each time I am on the phone with a customer service agent they say they either have the fax /mail or don't have it one rep said they had the documents and they are being reviewed the other rep said they didn't have the documents each time I call there is a different answer
Consumer complaint received 2019-07-26
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. (DC)

after reviewing my credit report with Experian, there are 14 Inquiries showing on my credit report. I only recognize 3 Inquiries that I actually gave consent to pull my report and that's XXXX XXXX on XX/XX/2019 XXXX  on XXXX XXXX, and XXXX on XX/XX/2019 XXXX
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX has listed me as an authorize signer on a credit card which I never signed authorization for or gave permission to report on my credit report. I have made investiagations with Experian to have removed from my credit as the balance keeps increasing and causing my credit score to decrease. I want XXXX XXXX deleted off of my credit report and Experian has stated they are not able to. However I report this investiagation to the other credit bureau agencies and they have deleted Experian is the only company. I have sent an investigation almost every month since XX/XX/2017 and they still have yet to remove from my credit.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I am disputing the XXXX XXXX XXXX account on my credit report as fraudulently opened without my authorization. I have no knowledge of or association with this account. Please investigate this matter immediately and remove this fraudulent account from my credit report. Thank you for your prompt attention to this issue.
Consumer complaint received 2019-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

XXXX dollars was withdrawn from my acct which my card was lost/stolen and it wasent me it was fraud and they said the denied my claim of grounds cause my pin was used .. anybody could of seen me use my pin n waited for for the right chance to do what they did to me.
Consumer complaint received 2019-07-26
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CMRE Financial Services, Inc. (CA)

I have received multiple calls on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 at my employers from the number I've identified, the company is CMRE Financial Services. According to the Fair DEBT Collection Practices Act it is illegal to attempt to contact me through my employer. Along with these calls there is a recorded robo message that clearly indicates they are attempting to collect a debt from someone with my name and the robo message can be heard by any person who answers the phone, therefore this immensely puts my employment at risk and is defamation of my character and name and breaks the law in relaying private information.
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (VA)

As has happened many times before when requesting all three credit reports through XXXX XXXX XXXX, I might get one or two reports before the process goes off the rails. Today a report was received only from the first one I picked, XXXX. When it came to the next report, the URL XXXX XXXX XXXX showed ERR_CACHE_MISS. Going back to the first website failed to return me to where I could pick another reporting agency, it sent me back to where I had to put in all my information again. After doing that : XXXX results : We're sorry, for your protection we are unable to deliver an XXXX  Free Annual Credit Report over the Internet.

Experian results : A condition exists that prevents Experian from being able to accept your request at this time.

It's pretty clear that the latter two companies already registered my request for the reports even though they failed to actually provide those results.
Consumer complaint received 2018-07-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

About six months ago, my credit rating experienced a sharp drop even though I had made no purchases, opened no new accounts, or taken any other applicable action for many months prior to that unexpected and unjustified reduction. 
I contacted each of the three major credit companies and received a response from only Equifax. But their response did not address my question at all ; they merely sent me a copy of my credit file ( many many pages of past accounts ). My review confirmed that there was no obvious justification for a reduction I went back to Equifax three times since then, explaining that I didn't want anything more than an explanation of why my credit rating had been reduced ; but all I received each time was a two-page letter that said the results of their Reinvestigation was : " Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute '' all of which, each time, completely unresponsive to my request. 
It seems absolutely ridiculous that the formulation of a credit rating should be based on such obscure criteria that the public can never figure out why a reduction or increase has taken place. I believe it is critical that whenever a change is made to a person 's credit rating, the credit bureau should be required to notify the person affected exactly why the change took place - especially these days when so much of what happens in a person 's life depends on his or her credit rating. The current system is almost as bad as if a doctor refused to tell a patient what exactly made him sick, even though the doctor knows full well exactly what the cause was ( How can a patient possibly avoid the same problem unless made aware of what caused the sickness? ). 
In any event, I would definitely like a simple answer to my very simple question : What caused the reduction in my credit rating??? Thank you
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (OH)

I made final payment of loan XX/XX/XXXX in the amount of {$560.00}. Westlake Financial is not reporting information. From XX/XX/XXXX to XX/XX/XXXX {$18000.00} in payments were made to my loan. I overpaid my loan by {$640.00}. They even sent me a refund check. My reports are still showing account is open with a balance of {$17000.00}, last updated XX/XX/XXXX.
Consumer complaint received 2019-07-26
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)

XXXX ; Experian and XXXX are reporting incorrectly a collection with CXXXX XXXX XXXX XXXX XXXX partial account number XXXX for {$200.00}. ( Please see pages 25 and 26 of the attached credit report. ) This collection item was deleted from my credit report however, now it has re-appeared from the same collection agency, XXXX, and they have now generated a new account number and re-aged this collection. By doing this, they are in violation of the Fair Credit Reporting Act. I have contacted the ( 3 ) bureaus to have these line items removed however, I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.
Consumer complaint received 2018-05-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: LPSG (LA)

Today, while I was at work, I was contacted by telephone by someone saying I would be served papers for an upcoming court date and that I needed to call the attorney assigned to the case. They gave me the name and number of the attorney. XXXXXXXX XXXX XXXX at XXXX. I called the number and the person I talked to said that the company they work for, LP services group, was  suing me for a debt fromXX/XX/2012 for the amount and interest adding up to over {$4000.00} and that my wages would be garnished about {$400.00} a paycheck. I told them I hadn't been notified about this by phone or by mail and he gave me the address that they said they sent it to which is an old address. Once I told him it was an old address and that I didn't know what he was talking about, he offered to call LP services group and ask if they would work with me so we could settle this out of court. He came back on the line with someone from LPSG and she basically told me everything the first person told me exept this time if I wanted to set up a payment arrangement for {$1000.00} over the next couple months, they would stop the court action against me. I asked if she could send me some info on the debt like who I owe and from when and she said she couldn't do anything until aftershe took my payment info. When I told her I wasn't comfortable just paying over the phone without any details she said she wouldn't be able to stop the legal action. She said once we set up the payment arrangement, she would email me a copy and I would sign it electronically and send it back and then she could stop the legal action. After that she could send me any information I wanted. I gave them my card number and she emailed me the arrangement but I didn't sign it or email it back. After doing some research, I don't understand why they would be suing me if it's past the statute of limitations. The other credit card I took out about the same time is in collections as well and the first thing that company says when they call me is I can't be sued for the debt because it's too old. I feel a bit intimidated and like I was scared into giving them my card number. I just feel like if I ask for something showing the details of the debt, that they should give it to me so I can go over it before making a payment. I haven't paid them anything yet but I feel like what their doing is illegal. The last time I delt with something like this it was a scam from a fake company that somehow obtained my personal info. This feels the same way they do business. Any insight on this matter would be greatly appreciated.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX Balance : {$930.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX XXXX : {$450.00}
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX has failed to provide me with the original contracts from the following companies listed on this report below. They have failed to remove inaccurate information on my report such as address and phone numbers that I am not associated with. They tell me my accounts were verified however they never even sent me confirmation of the verification. These XXXX accounts is listed on XXXX XXXXXXXX XXXX  Account # XXXX This account is reporting closed but status is stating 120 days late XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  XXXX account # XXXX XXXX is reporting an address of XXXX XXXX XXXX XXXX that is not my address My updated address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX Reporting wrong balance and late payment
Consumer complaint received 2019-07-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Dedicated Financial Partnerships (MD)

Beginning on XX/XX/XXXX Dynamic dedicated Financial Partners began to call me 5-10 times a day. I never answer number I do not know. they never left a message. At XXXX n XX/XX/XXXX I answered the phone and told them not to call me again. At XXXX they called back using a un-available number and at XXXX XX/XX/XXXX they began to call every 10 minutes even after being informed under the Fair Credit protection act to cease and desist, and even so far as calling them on their own number and speaking to " Supervisors '' and the " President " of the company and informing them that I had every intention of hiring a lawyer and sue them as well as laughing at my threat to file this report. To date they are still calling 5-10 times a day.
Consumer complaint received 2019-07-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SOUTHWEST COLLECTION SERVICES INC. (CA)

XXXX XXXX P.O box XXXX XXXX, CA keeps harassing me over a debt that is almost 7 years old from the XXXX XXXX a company that has went out of business they adding interest the debt and they are a 3rd party collection agency. Under the F.D.C.P.A federal Department of Collection Practice Association and Federal Trade Commision laws I have repeatedly asked for verification of the debt to prove I owe it. I even tried to settle a debt I don't owe but was not able to reach an agreement with the company. I do not owe this debt. At first it was only on my XXXX credit report but as of XX/XX/2019 it appeared on my XXXX credit report with a outrageous amount {$430.00}. It just keeps going on up. I know this this against all laws and seeking information on how to personally sue this company.for malpractice and harassment.
Consumer complaint received 2019-07-26
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. (MD)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2022-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (FL)

I have a debt reporting across all 3 bureaus under the name of L J Ross Associates IN under the Account # XXXX. I have done no business with L J Ross as well as I informed them that my identity was stolen a few years ago in which required me to have setup fraud alerts across all 3 of my credit bureaus. It is illegal for L J Ross to spam me with letters, phone calls, and even send representatives to my doorstep. I need the CFPBs help in stopping this illegal activity right this instant or I will pursue legal counsel.
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

I received an email from experience. It stated my credit score could be increased by looking into my monthly payments paid on a regular basis.

I signed in. The program looked at my payment statuses and pretended like it had increased my credit score. Searching my credit score on credit car a, it did not change. 
Without my knowledge or consent my credit card was charged {$21.00}. 
I did not like it but accepted the fact that I got screwed. Then again the next month I was charged {$21.00} again. I did not know why. It turns out that was signed up for some unknown to me program. 
I logged into the acct to cancel as their phone message stated I could do. There is no way of doing so plus they blocked any online chat. 
On the phone the auto response stated they did not have enough information on me to continue any further. 
I see this as a deliberate fraud from the very beginning and believe I deserve my money back and experience does not deserve to be in the credit reporting business. 
Please take action.
Consumer complaint received 2019-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I applied for a modification and was approved. I made the payments as instructed and and agreed upon. I was not late and XXXX transferred servicing to ocwen and then to phh mortgage both companies refuse to honor my modification that was in place. I paid the modified amount for 10 months and have the receipt. I am under a confidential settlement agreement from court action settled in 2017, which clearly states both parties will bear their own cost of litigation, I am being charged for attorneys fees and foreclosure fees which is a direct breach of the settlement. The bill I received from PHH Mortgage Corporation contains erroneous charges as well as no payments applied. I requested by phone and in writing a validation of debt and correction to no avail. It is my understanding that any company claiming to service a loan where a modification is in place is required to honor the modification or they may not service the loan even if they do not offer that specific product. I have asked phh mortgage To produce any and all documents showing they have to be right to service and or foreclose on said note. I need to be sure of several things before making any arrangements with anyone regarding payment such as the right to foreclose, and is phh the correct entity to make payments to, as well as being billed the correct amount. I was offered and accepted a modification from XXXX  and I expect it to be honored. I have made several attempts by phone to speak with my single point of contact to no avail. I am being told my account has been referred to an attorney for foreclosure rather than getting my payments applied and correcting the errors in the account. I have spent hours on hold to speak with single point of contact and have never been able to speak with him. Please help phh respond and correct. Thank you for your attention regarding this matter. Sincerely XXXX XXXX.
Consumer complaint received 2019-07-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: KEYCORP (IL)

This past month I noticed that my credit score had decreased significantly via XXXX XXXX   ( it was XXXX in XXXX and is now XXXX. I looked into this further today via my credit report and saw that I had a private loan from XXXX XXXX that was past due. 

I called XXXX XXXX and learned that my loan went from from XXXX XXXX ( servicer ; XXXX ) to Key Bank ( lender ; XXXX ) to collections. The initial person I spoke with from XXXX XXXX said it was over 120 past due ( started in XX/XX/2019 ). He said I could call Key Bank and it would either be handled as a rehabilitated loan or as a default ( paid off so that it no longer affects my credit ). 

Then I called Key Bank and they said I could pay the full balance ( {$21000.00} ) or {$14000.00} as a settlement, or that I could make monthly payments until I could pay off the balance. I told the represenatative I did not have the money to do this and inquired about other options and he said there was nothing they could do. 

I then called back to inquire about the forebearance/deferment status of my loan considering I had just XXXX  as a XXXX XXXX XXXX XXXX in XX/XX/2019. The woman told me to call back XXXX XXXX to ask these questions. 

I called XXXX XXXX and spoke with XXXX who looked into this to tell me that the XXXX XXXX  was not updated by my school ( XXXX University ) about my student status ( forebearance/deferrment as I was a XXXX XXXX XXXX until end of XX/XX/2019 ) until XXXX ( a month after graduation ). 

XXXX XXXX is going to contact Keybank to see if the loan can be reinstated and backdated ( loan and credit ). They told me to check back in 1 to 2 weeks. 

I feel this is unfair as I didnt receive any letters or call notifications ( my parents contact address and phone was in their records ). In addition, my school didnt update the XXXX XXXX regarding my status and in XXXX ( when the loan was expected to start receiving payments from me ) I was defending my XXXX dissertation.