davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (GA)

I have my mortgage moved to Forbearance with Loancare ( XXXX  ). In XX/XX/2022, I signed an agreement with my loan service providing to modify my loan and payment in which my new monthly payment was suppose to be a {$790.00} XXXX. I start my payment on the new loan modification in XX/XX/2022. My XX/XX/2022 statement from Loancare ( XXXX  ), I received a bill in which my payment was increased to {$1100.00}, I called the Loancare ( XXXX  ) to express my concerns and requested to speak with someone regarding my account. And, I informed Loancare ( XXXX ) I had just recently had my payment modified and it must have been some kind mistake with this payment amount and that I would only be sending {$900.00} for my XXXX payment until I spoke with some regarding my account. I was then told the increase was due to the shortage in my escrow account. Well, I told the Loancare ( XXXX  ) representative this should have bee taken into account when you all drafted the modification agreement and I don't expect any change to my escrow account for at least XXXX month or why did they add over {$6000.00} to my principal loan amount. I was told they would spend my account to the loss mitigation department. I did not hear them or receive any correspondence. I received my XXXX statement in which I was not billed for XXXX for the {$1100.00} plus late fees. In spite of the fact I paid {$900.00} with cover my principal and interest and previous estimate escrow amount. Not sure if I am late if I cover the principal and interest on the loan??? And, the Loancare ( XXXX  ) has reported to the XXXX XXXX my account as being late. Therefore, I have paid the {$1400.00} to keep from damaging my credit score and from accumulating late fee in effort of my loan service provider to force my property into foreclosure. I call the Loancare ( XXXX  ) customer service line again and has not spoken to any representative willing to assist me with this matter. But, they were will to take my additional payment over the phone without a fee. My next step is going to be reaching out to them certified mail. Because, if they are going to continue to bill me at the higher mortgage amount then I need them to remove the additional {$6000.00} added to my principal balance for the loan modification.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-07-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (KY)

I got the American express prepaid card I bought it on the XXXX of XX/XX/2021 it sais {$1.00} to load monthly service fee of {$6.00} monthly the first charge on the card is XXXX i try to speak with customer service they keep intentionally hanging up on me
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

BETWEEN XX/XX/XXXX I HAVE REACHED OUT TO TRANSUNION, XXXX   AND XXXX TO TRY AND HAVE MY PERSONAL INFORMATION UPDATED SUCH AS MISSPELLING OF MY NAME, OLD ADDRESSES, INACCURATE PHONE NUMBERS, ACCOUNTS THAT SHOULD NOT BE SHOWING AS OPENED ON MY ACCOUNT AND I HAVE ALSO ADVISED THEM OF HARD INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. ALTHOUGH EXPERIAN DID WORK A LITTLE WITH ME, THESE ITEMS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS GETTING RIDICULOUS.
Consumer complaint received 2018-12-19
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. (SC)

I have a couple hard inquires on my credit report that I have not inquired about and I am not sure who did. The first is labled " XXXX & XXXX XXXX '' dating back to XX/XX/XXXX. The second is labled " XXXX '' dated XX/XX/XXXX. The last is labled " trans union '' dated XX/XX/XXXX. I have no knowledge of any of these inquires and would like these removed from all of my credit reports.
Consumer complaint received 2022-10-06
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. (PA)

Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the one going through it, unfortunately I was robbed at XXXX  while picking my dog up from XXXX and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my attackers face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, 2022 I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-10-06
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. (IN)

I have been disputing for the removal of the disputed account from my Credit file. Although I truly appreciate the removal of one of the disputed account from my Credit File, there is still an account that is still reporting on my Credit File. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB Complaint to help establish a legal recourse. My information has been exposed in the XXXX data breach. The following accounts are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Under the Fair Credit reporting act section 605b, the Credit Reporting agencies are required to remove the disputed accounts and information that resulted due to Identity theft from my Credit File as soon as possible. Once again, I am submitting this CFPB Complaint requesting the removal of the account : 1. XXXX XXXX XXXX XXXX Date OpenedXX/XX/XXXX Balance : {$0.00} from my Credit File.
Consumer complaint received 2023-01-12
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)

EXPERIAN CONTINUES TO NOT GIVE ME ANY PROPER METHOD OF VERIFICATION ACCORDING TO SECTION 611 AFTER PERFORMING A RREINVESTIGATION THIS WILL BE USED AS PROOF OF WILLFUL NON-COMPLAINCE AND INCASE OF PROOCEEDING TO LITIGATION. 

ATTACHED>>>>LETTER FROM XXXX XXXX  STATING THEY DO NOT BY LAW HAVE A COPY OF ORIGINAL CONTRACT WITH MY SIGNATURE MAKING ME OWNER OF THIS FRAUDULENT DEBT OR ACCOUNT>>>>ALSO ATTACHED POLICE REPORT AND FTC IDENTITY THEFT REPORT.
Consumer complaint received 2022-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.
Consumer complaint received 2019-07-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HYUNDAI CAPITAL AMERICA (KS)

I got a letter from XXXX XXXX telling me that I owe a balance with Kia Motors. I was very confused because this car was totaled out due to an accident and the loan had gap insurance. 
I reached out to XXXX XXXX, to see if they could prove me information on the account but they couldn't. All I was told by XXXX XXXX that he wanted XXXX a month for the payment plan and if I didn't agree to that then they were going to garnish my account on Thursday of this week. I can't afford that, I'm on social security and XXXX. XXXX XXXX was cruel and very mean. I hung upon him. I called my daughter and asked her to find out what was going on with this debt. She tried to contact them and got XXXX XXXX and he told her that she had to pay XXXX per month for the payment plan or they were going to just start garnishing her too. 

I just got the notification, how did I get sue on this account. The abuse I'm getting from this collector is ridiculous, over a XXXX debt, that I was told by the insurance company was paid off.
Consumer complaint received 2018-05-21
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX, XXXX XXXX XXXX etc are continuous reporting the same bill multiple times on all of my credit reports. The same bills show up 5 times or more. For example, XXXX USD shows up 9 times its one bill not 9 of the same bill. This is killing my credit score in all 3 bureaus. Some bills are very very old and should not even be there anymore and some should just not be there period. I have tried to reach out to fix these issues and nothing has been done. I also just had an issue with a breach in that someone in XXXX  attempted to withdraw XXXX dollars from my checking account! I live in XXXX and have never been to XXXX  ... .and I have now filed a police report for that. Please make them fix this! I will also retain an attorney to help in the above situations and am preparing for bankruptcy.
Consumer complaint received 2022-10-06
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX SELF-REPORTED XXXX Balance : {$35.00} ; XXXX SELF-REPORTED XXXX Balance : {$20.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-04-03
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. (NY)

i have sent several letters over the past 2 years to have information deleted form my report with all three credit agencies -- - -- XXXX XXXX XXXXXXXX -- - no data reported for year XXXX, then XXXX account in collections -- -XXXX XXXX XXXXXXXX -- - no data reported for year XXXX, then XXXX account in collections account are listed as closed -- - but have negative impact on score -ACCOUNTS NEED TO BE REMOVED DELETED IMMEDATELY HARD INQQUIEERES THAT I DID NOT APPROVE OR REQUEST
Consumer complaint received 2019-07-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SRA Associates, Inc. (KS)

I got a letter from SRA Associates telling me that I owe a balance with XXXX XXXX. I was very confused because this car was totaled out due to an accident and the loan had gap insurance. 
I reached out to SRA Associates, to see if they could prove me information on the account but they couldn't. All I was told by XXXX XXXX that he wanted XXXX a month for the payment plan and if I didn't agree to that then they were going to garnish my account on Thursday of this week. I can't afford that, I'm on social security and XXXX. XXXX XXXX was cruel and very mean. I hung upon him. I called my daughter and asked her to find out what was going on with this debt. She tried to contact them and got XXXX XXXX and he told her that she had to pay XXXX per month for the payment plan or they were going to just start garnishing her too. 

I just got the notification, how did I get sue on this account. The abuse I'm getting from this collector is ridiculous, over a XXXX debt, that I was told by the insurance company was paid off.
Consumer complaint received 2019-07-24
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. (CA)

On XX/XX/XXXX I sent a letter to Santander Consumer USA to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Santander Consumer USA to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX  & XXXX  as of XX/XX/XXXX.
Consumer complaint received 2017-03-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

Original balance {$1500.00}. After receiving a settlement offer letter from Portfolio Recovery Associates, I decided to pay the single payment plan of {$1000.00} that was offered in the letter. The letter also stated that once paid, the account would be considered " Settled in Full ''. I sent a cashier 's check for the {$1000.00}, as well as a letter back to them stating that I have paid what they offered. However, they have not made my account as settled in full like they said they would. They only deducted the {$1000.00} from original balance, saying that I still owe {$470.00} on my credit report. I have copies of their letter, my letter, and the cashier 's check. I do n't know what to do.
Consumer complaint received 2018-05-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I had 2 bank accounts with Bank of America. I had my single account for more than 20 yrs. The 2nd one was opened jointly with and for my son in XX/XX/XXXX. In XX/XX/XXXX, my son 's bank card was lost and someone deposited checks into his account in a different state. I am now in XXXX/XXXX  for fraud. However, I did nothing fraudulent and never have with my bank account.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (MI)

XXXX XX/XX/XXXX unannounced, my AMEX was shutdown. Upon calling I was informed due to AMEX policy is because of an extra payment has not cleared. On XXXX XX/XX/XXXX for XXXX ( XXXX ) Required payment cleared, and made an extra payment online XXXX XX/XX/XXXX for XXXX ( XXXX ). in the process it was explained in a earlier complaint to AMEX that I didn't believe AUTO PAY took so I tried again for XXXX and unknown to me the original payment of XXXX cleared. 

Since the XXXX with no notification AMEX shut my card off and even after explaining the issue, rudely on the phone it was explained the XXXX has to run denied three times before they can open my card back. In my conversation with American Express, they have been extremely inflexible even after establishing this was an accident and both, XXXX ( XXXX ) where set-up as a extra payment. 

XXXX, I contacted American Express and now they changed the statues to pause. They want me to pay XXXX to unpause the account.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

X/XX/17  : C apital One credit card email states someone tried to access accoun t. Spok  XXXX  with Capital One representative and online access wa s disabled. Was directed  to re-enroll the card and access   to credit card would be restored.
 X/XX/17  :   Have not received a statement and billing is due soon. Attempt to re-enroll in online services but only brings back error messages.  Two phone calls are placed ( one for 4 mins, and one for 84 mins ).   End result is there is an error on their end and it would tak e two weeks to fix.        X/XX/17  : No state ment received.  Again attempt to re-enroll online to access my account. Again same error message is received. ( 4 ) calls are made to Capital One to resolve this 5 mins, 6 mins, and 70 mins. Again no resolution, no stateme nts provided and the bill paid over they phone not knowing what I am paying for.       X/XX/17  : No  statement provide and bill was due. Again, attempt to log on only to be stoppe  d. Two phone calls are made 12 mins and 85 mins. No resolution had. No statement provided.
Today as it stands : There has been ( 3 ) billing cycles without a billing statement. While I can access their credit tracker I ca n't access my actual account. Because of this lack of information I have h  ad to report all transactions since   XX/XX/XXXX  as  fraud. I can not verify the balance and I do not have access to my account online to verify charges. I have been more than patient and done my do diligence trying to resolve this issue. My account has been in good standings ( no late payments, balances in full, no delinquencies ) through this painful process. This is beyond repair. It should be noted that o n  XX/XX/XXXX  I request a paper statement as those were not being provided as well. You would think once they shut yo ur online access down that they would provide those. That is unfortunately not the case. I was told it would be anoth er 1-3 months before that change would take effect. I can not wait 4-6 months total to see what is being ch arged to my account. This is completely unacceptable and I believe there are legal ramifications for my time and charges. Call records and case numbers are assigned to account. The company has plenty of documentation to confirm this case.       Sincerely,  XXXX   XXXX