davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-15
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (LA)

n XX/XX/XXXX I received an ALERT from Experian. I immediately signed on to my account to verify information from the alert, There was a collection from XXXX XXXX for a XXXX account from XX/XX/XXXX.I contacted XXXX at that time to ask why hadn't I received a notice from them before reporting to the Credit Bureaus. Upon talking to XXXX the XXXX XXXX. I learned a letter was mailed out, so I asked what address did she mail it to, at that point she gave me the wrong address so then I told her I would contact XXXX for further investigation and I mentioned to her I would dispute this account due to those reasons. Well XXXX decided to report my account AGAIN days later and added the comment that I disputed it which was UNTRUE as of today I have NOT disputed anything.I also mentioned to her there are Rules and Rights before taking matters into your own hands. In XX/XX/XXXX I had 2 XXXX, 2 cell phones and 2 watches. Due to the High Prices XXXX was charging I was able to get a lower price at XXXX XXXX XXXX. I upgraded my devices when I did the switch. Being in a contract with XXXX  for 2 years those devices should have been paid off actually. On XX/XX/XXXX I contacted XXXX to update my email and mailing address, Just in case I did have a balance and they could forward me the balance. According to what is was if I was able to pay out right I would have if not I could have made payment arrangements.Anything to save the headache of damaging my credit. after contacting XXXX  I was notified no one had updated my information inXX/XX/XXXX, In other words I have to pay for their mistakes. There is something suspicious about the whole situation Ms XXXX the collections supervisor from XXXX has been constantly contacting me trying to get me to go to XXXX and update my information so that it can look as if they already had my updated information, when I asked her what address did she send my final bill to AGAIN that was the wrong address so in other words I never received a final bill from XXXX. So I assumed I was paid up, now that it was a my Statue Of Limitations they decided to send it to a collection agency. I even asked XXXX from XXXX to REMOVE this off my credit report and XXXX the collection agency to remove this from my credit report and own up to their mistakes. I will accept their apology work out a payment plan from her on out and move forward. But this has to be in an email to me and removed first. I did mention I would report this to CFPB and my Local Attorney general 's Office if not resolved in 30 days. Attached is where Experian and Convergent is ALERTING on this account constantly meaning 2 times in the SAME month which is ILLEGAL and needs to be investigated every time there is a reporting my score drops before XXXX  my score was XXXX XXXX now I'm at a XXXX XXXX.
Consumer complaint received 2020-02-15
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: Convergent Resources, Inc. (FL)

I sent an email to convergent outsourcing but recieved no response. I paid the account off last year and it was updated to paid with XXXX balance. The problem is the date of first delequincy is completely wrong by almost 2 years. Convergent outsourcing has date as XX/XX/XXXX when in fact it should be XX/XX/XXXX. I will submit to cfpb the proff of this.
Consumer complaint received 2020-02-15
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. (GA)

My identity was stolen, I don't know how but checking my credit there since to be a number of accounts in my credit report that do not belong to me, most recently inquiries in my credit by XXXX  XXXX, and a XXXX 's card that was clone I did filled out a polices report but I don't have it right now, lead me to believe someone has been using my name to open accounts fraudulently without my knowledge, please remove the accounts listed from my credit.
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX  partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-09-19
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Cadence Bank (AR)

I had XXXX XXXX dollars taken from my savings account front my bank and I didnt receive a bank statement for almost 4 months notifying me of the withdrawal after contacting them they said my son withdrew the money witch was impossible because he didnt know about the account or know the account number it was bankcorp south in XXXX ar.XXXX they also know that my son didnt take the money out of my account and whenever its brought up they play like it really happened? and are very defensive and it good liars
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I have contacted XXXX multiple times within the last seven or so years pertaining to my inability to make any transfers. Being that I have been a XXXX member for twelve or so years, I was confused and until tonight XX/XX/19 I never received any information pertaining to why. I applied for a loan and I was denied, one of the reasons for denial was unacceptable banking behavior. XXXX has repeatedly told me to call back in ten days and the report will generate with answers and every time I call back during said timeframe its either not generated or closed out. In the near future, Im applying for a mortgage and this marking on my credit file is hindering. Its been way over seven years and I never was contacted about fraud activity nor participated in any fraudulent activity.
Consumer complaint received 2019-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

On multiple occasions I have attempted to dispute fraudulent charges and transactions on my account ( s ), I spoke with a representative from my financial Institution on Thursday XX/XX/2019. I advised them of the following situation, which permits my ability to file as a victim of identity theft, I advised them that on XX/XX/2019- I made a purchase on my account, that was the last purchase that I authorized on that account, Since then I have not made any purchases on that account, Aside from ATM withdrawals, and managing the settings and preferences on that account, the following transactions are the said unauthorized transactions. Date varies as well as transaction amountsXX/XX/2019- {$8.00} XX/XX/2019- {$9.00} XX/XX/2019- {$10.00} XX/XX/2019 - {$39.00} XX/XX/2019 - {$20.00} XX/XX/2019 - {$160.00} XX/XX/2019 - {$30.00} XX/XX/2019 - {$86.00} XX/XX/2019 - {$99.00} XX/XX/2019 - {$58.00} XX/XX/2019 - {$120.00}XX/XX/XXXXXX/XX/2019- {$5.00}XX/XX/2019- {$27.00} XX/XX/2019- {$16.00} XX/XX/2019- {$22.00} XX/XX/2019- {$18.00} XX/XX/2019- {$24.00} XX/XX/2019- {$17.00} XX/XX/2019- {$11.00} XX/XX/2019- {$2.00} XX/XX/2019- {$1.00} XX/XX/2019- {$8.00} XX/XX/2019- {$1.00} XX/XX/2019- {$12.00} XX/XX/2019- {$12.00} XX/XX/2019- {$6.00} XX/XX/2019- {$80.00} XX/XX/2019- {$16.00} XX/XX/2019- {$8.00} XX/XX/2019- {$18.00} XX/XX/2019 - {$2.00} XX/XX/2019 - {$12.00} XX/XX/2019 - {$4.00} XX/XX/2019 - {$6.00} XX/XX/2019 - {$21.00} XX/XX/2019- {$6.00} XX/XX/2019 - {$10.00} XX/XX/2019 - {$10.00}
Consumer complaint received 2019-04-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services (CA)

I have contacted this company through the credit bureaus multiple times to have this unverifiable account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted XXXX multiple times within the last seven or so years pertaining to my inability to make any transfers. Being that I have been a XXXX member for twelve or so years, I was confused and until tonight XX/XX/19 I never received any information pertaining to why. I applied for a loan and I was denied, one of the reasons for denial was unacceptable banking behavior. XXXX has repeatedly told me to call back in ten days and the report will generate with answers and every time I call back during said timeframe its either not generated or closed out. In the near future, Im applying for a mortgage and this marking on my credit file is hindering. Its been way over seven years and I never was contacted about fraud activity nor participated in any fraudulent activity.
Consumer complaint received 2019-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a business credit card with a promotional 0 % interest rate for 9 months. Card was issued on XX/XX/2019 and email indicated the promotional rate of 0 % was good for 9 months. There was no fine print in the email confirmation I received indicating their terms would require the total outstanding balance of the 8th monthly statement would have to be paid to avoid incurring interest charges. I should have had until the due date of that 9th statement ( XX/XX/2019 ) before any interest was charged. 

However, with the 9th statement on XX/XX/2019 ( less than 9 months from when the card was opened ), the company charged me interest on the ending statement balance. When I called, they advised me that the fine print of the promotional literature I should have received in the mail indicated I had to pay off that balance on or before the due date from the 8th statement, not the 9th ( meaning pay it off by XX/XX/2019 ) which is actually less than 9 months, and that there was no additional grace period. 

I called to get the issue resolved, and the company did agree to credit back the interest charge, but would not correct the grace period end date. 

I've dealt with 0 % interest offers from a number of other credit card companies, and they always offer that interest rate through the due date for the payment due associated with the 9th statement, not the 8th statement.
Consumer complaint received 2019-04-11
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: Specialized Loan Servicing Holdings LLC (TN)

XXXX19 Currently my SLS account report history on XXXX and XXXX still shows negative payment which recently caused a bank lender to refuse to accept a new personal loan. 

SLS currently shows : 5 times over 30 days late 5 times over 60 days late 6 times from 90-120 days late I have discussed with my lender on many occasions several to please update this as it is seriously limiting my financial ability to remodel my home and other investments. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-02-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Maury Cobb, Attorney at Law, LLC (GA)

I had service with XXXX  but was unable to keep it due to lack of funds. In XXXX I was able to start paying down my balance which was {$240.00}. I paid {$48.00} to XXXX with the understanding that I would pay each month thereafter until the bill was paid in full. I then paid on XX/XX/XXXX another {$50.00} leaving a balance of {$150.00}. On XX/XX/XXXX I got a letter from an attorney, Mr Cobb stating that I had 30 days to dispute or pay a discounted amount by XX/XX/XXXX. Then upon checking me credit reports I find that a collection agency named XXXX XXXX XXXX in Alabama on behalf of XXXX advised the three credit bureaus that I have a collection account for {$150.00} which has negatively affected and impacted my credit reports. I was never told by XXXX that my account was being handled by a collection agency and they XXXX continued to accept my payments in XXXX and XXXX instead of letting me know that my account was being handled by any collection agencies. The attorney 's letter, Mr. Cobb, I received was the first time I found out that anyone was trying to collect from me since I was paying XXXX myself. I never got a letter from the XXXX XXXX XXXX  nor XXXX  stating that they would be placing this info on my credit reports as even the attorney 's letter gave me time to dispute or pay and them within a certain time period. Of course if I didn't do anything within 30 days I would expect it to go on my credit reports. However, like I said I have paid XXXX  and I had a right to know their intentions of putting it on my credit report before they did it and before sending it out to collections since I was already paying my account down myself. My intentions were to pay it off so I could resume service with XXXX as soon as my balance was paid. They neglected to notify me that even though my account was closed and they were in fact accepting payments from me that they had in fact sent my account out to bill collectors as if I were not making any payments to them and then it was placed on my credit reports making it look like I had owed XXXX  monies that XXXX  could couldn't collect from me and that simply is just not true.
Consumer complaint received 2019-02-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Opened new account in XX/XX/XXXX, deposited XXXX, withdrew XXXX, the next day there was a hold on the remaining XXXX, when asked, I was told my account was closed, no one would tell me why, I moved from the address I gave them, when I called they kept insisting on mailing the balance to this address, well I was told they did and the check was sent back to them, then I was told they would send the check to the bank, this never happened It's been like 3 months and I still haven't got my money
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following accounts have violated my rights : 1. XXXX XXXX Account Number : XXXX 2. XXXX Account Number : XXXX 3. XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

Loan Care, LLC currently services my lender XXXX XXXX in regards to my mortgage escrow account. I asked for an escrow analysis statement to be issued on XX/XX/XXXX Reference Number :  XXXX. I needed this analysis as I received a property tax break for XXXX so there was a surplus of escrow. Loan Care had a copy of my tax bill which amounted to {$610.00}. The projected amount for my taxes was {$2800.00}. So as you can see this was a justifiable reason to ask for an updated escrow analysis. 

The ticket was never resolved and I was never provided the escrow analysis. I called Loan Care back on XX/XX/XXXX explained what information I needed and why. I was told to open a second ticket, Reference Number : XXXX. The ticket was closed with no comments or resolutions provided. Loan Care also removed my previous escrow analysis document from my account. Very suspicious. Since having the XX/XX/XXXX ticket closed I have made endless attempts to call Loan Care and inquire why they will not provide the escrow analysis. I filed complaints, been told my tickets are being escalated, however each time I call I am not allowed to speak with anyone from the escrow department and each supervisor I speak to has a different story to tell. 
My last conversations were on XX/XX/XXXX with XXXX ( agent ID XXXX ) she lied and told me she opened an " escalated ticket '' for me and assured me I would receive a call back the same day. I called back on Monday, XX/XX/XXXX I was told no one named XXXX worked there and transferred to another supervisor XXXX ( agent ID XXXX ), She opened another ticket on my behalf and provided me an actual ticket number XXXX. She assured me I have a right to ask for the escrow analysis and she did not understand why they would not provide one. 3 days have passed and no one has bothered to call or respond. I have been asking for this analysis since XXXX and it is now the end of XXXX and Loan Care continues to refuse to provide one. 

Based on my research I have every right to request a new analysis to be made, however, Loan Care is refusing to provide one. I feel my legal rights under RESPA have been violated. Loan Care has no right to keep that money in my escrow. I believe they are refusing the issue the analysis because if they do, they are legally required to refund me the surplus amount. They, of course, do not want to do that, so they are just refusing the run the analysis. 

I am aware that allegedly NC switched their timeline for the required annual escrow analysis to XXXX, however, I should not have to wait that long, I prefer to have my analysis ran at the beginning of the year as it more aligns with when property taxes are paid out. I would really appreciate your assistance in enforcing Loan Care to follow the law. Happy to provide more details if needed.
Consumer complaint received 2023-01-04
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. (NJ)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OR)

I have a mortgage loan from XXXX, that was reaffirmed years ago and is being paid as agreed for many years now with no lates, however Experian reported that it was not reaffirmed and was not being paid as agreed ( they reported no pmts in over seven years ) which is not true, so I disputed the account with Experian. The problem is that Experian corrected the dispute by completely deleting the account from my file, instead of posting the correct paid as agreed! It damages my credit to not show satisfactory accounts! Unfortunately on Experian web site there is no way to dispute an account that has been deleted, and there is no way to add satisfactory accounts either! I believe it is on purpose that they make it hard for consumers to add satisfactory accounts, as it would be simple for a consumer to enter the account name and number to their form ( so the credit reporting company can confirm it ) if only they had a place to do it, which they knowingly dont. Since our credit reports are so important, and impact our financial lives so much, consumers should have a simple process to correct untrue, fraudulent, erroneous and or missing information on our credit reports!