davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-09
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. (AR)

I began working on my credit a couple of years ago at which time I had to go through debt and sort it out. So one of the things I was able to get off the report was a XXXX XXXX do that was very old and not accurate. Somehow after having a clear report for at least a year it shows up under the name XXXX for the same debt. It is a closed account but has been taking care of a couple of times. I would just like to have it removed.
Consumer complaint received 2019-04-09
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: AMERICAN EXPRESS COMPANY (CA)

AMERICN EXPRESS have a new system in place with fraud reporting/Dispute reporting ... they put you on a blackilist so the system does not let you process the dispyte and they put you on an extra long hold because they recognize your cell phone number and do not let you report the dispute
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$690.00} ; XXXX XXXX XXXXXXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ;
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-04-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (FL)

In XX/XX/XXXX I purchased a new home. The escrow amount for taxes only included the land for the XX/XX/XXXX assessment. In XX/XX/XXXX the tax assessment included the value of the house that was built on the land and the land itself. This caused the tax bill to go from {$900.00} to {$9000.00}. This was fine I anticipated that the tax bill would jump, but I was given incorrect information by Cornerstone Home Lending, Inc. I  spoke to a customer service representative in XX/XX/XXXX and explained to the rep that the tax assessment in XX/XX/XXXX only included the value of the land and not the value of the land and the house, and therefore the tax bill would be significantly higher in XX/XX/XXXX. Because of this I requested that we recalculate the amount I was paying into escrow to ensure that we would have enough at the end of the year. The customer service rep ensured me that the escrow amount I was paying was enough and would be enough to cover the taxes at year end. This was incorrect and a very consequential error. My mortgage doubled in XX/XX/XXXX and this could have easily been avoided if the customer service rep would have either given me correct information or recalculated the escrow payments as I requested.
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I leased a vehicle from XXXX. 
After returning the car to the dealership I was waiting for a final bill. 
I would call them periodically to find out whats going on and they told me that the dealer hasnt docked my car which i think means the dealer hasnt returned it to the leasing lender. 
About 3 months later I was billed and paid the bill right away. 
XXXX has reported a late payment on my credit report. ( Less then {$10.00} ) This late payment affected my score drastically as it lowered it by more then 50 points. 
I have disputed the late payment with the credit Bureaus and the late payment was removed but showed up again a month later as if the lenders system pushes it back in there automatically. 
This has been done twice. 
I spoke to XXXX XXXX over the phone multiple times this past year. 
They have mailed back and forth with their credit department and I was told the credit department has removed the late payment from my report. 
For some reason this late payment still shows up on my credit report.
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (ID)

I have disputed the late payments on XXXX XXXX XXXX   XXXX for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2021-02-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (CA)

It has come to my attention that payday loans and installment loans are prohibited in my state ( California ). Therefore, the loan contract that I have with Better Day Loans, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing to repay the principal balance of the loan. However, a breakdown will be provided of what has been paid on the loans to XXXX XXXX. 

Currently, I have received {$2400.00} installment loan effective XX/XX/2020. I had paid 7 payments in the amount of {$290.00} and 1 payment for {$370.00} totaling {$2400.00}. My loan should be voided as I have paid the principal amount back in full. I have also several loans before this and have a made an overpayment that should be due back to me for {$750.00} XX/XX/2020 received a loan for {$2400.00}. Payments made to this loan {$2400.00} XXXX XXXX received a loan for {$1100.00}. Payments made to this loan {$1400.00} XX/XX/2020 received a loan for {$1500.00}. Payments made to this loan {$1700.00} XX/XX/2020 received a loan for {$1500.00}. Payments made to this loan {$1600.00}
Consumer complaint received 2019-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TN)

OnXX/XX/XXXX,2019 I was notified that I had a new debt collector on my credit report at the time I immediately contact the company which was close at the time. I had no clue who this company was and why it came on my credit report. After doing research I figured out It was a company called XXXX XXXX XXXX and that someone had stolen my identity and utilized it to obtain a apartment in which Im guessing they was evicted from. I notify the apartment complex in which they didnt care at all. I also on Monday afternoon contacted Pro Collect Debt Agency in which I was put on hold twice before speaking to someone also the phone was disconnected in my face for no apparent reason. Upon finally getting in touch with someone who introduced himself as Mr. XXXX located in XXXX TEXAS  THAT WORKS FOR PRO COLLECT DEBT AGENCY who didnt seem to have a supervisor he claim he was the highest rank in charge. However he was so impatient, rude and extremely unprofessional with me and didnt care at all that my identity had been stolen or compromised and that they had made a mistake on their end. He didnt want to explain the fraud process to me kept putting my on hold for no reason and was not understanding or pleasent at all. Im already frustrated with this process dealing with Identity Theft this is overwhelming not knowing answers etc. To get treated like he treated me Is unacceptable.
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I have repeatedly tried to dispute these accounts and when asked the credit reporting agencies to produce the Method Of Verification to support their findings, I never recieved any sort of physical documentation from either the credit reporting agencies inwhom is reporting these unauthorized accounts, nor the creditors themselves. I'm now demanding that these accounts be deleted immediately. ( 1 ) XXXX XXXX {$0.00}, ( 2 ) XXXX XXXX XXXX {$760.00}, {$510.00}, {$53.00}, ( 3 ) XXXX XXXX XXXX XXXX  {$760.00}, {$53.00}, please remove these accounts immediately.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AZ)

In XXXX of 2012 we filed for Chapter XXXX Bankruptcy case, after 4 years of this intensive process, our BK was successfully discharged. As a result, the Bankruptcy judge approved a Stipulation with new terms and conditions including a reduction on the balance on the mortgages we had with creditors at the time ( XXXX  ). 
We've been contacting this particular Servicing company over the phone and requesting to adjust and correct the total balance from this loan as it still reflects the original Pre-Bankruptcy balance in our account. 
We are now trying to refinance that specific loan, however Rushmore Loan Management Services the holder of the note explicitly declined to comply with the order from the judge in Bankruptcy court. 
We provided a formal request and the proper documentation to fix this error in their books with negative results from Rushmore. 
We are including all the documentation we presented to Rushmore, including : -Our formal request -Copy of the Stipulation approved by the BK judge -Final Decree showing our BK case was successfully discharged -Included you will also find Rushmore 's negative response to our request. 

Needless to say, this is preventing us from refinancing this loan and creating an enormous amount of stress in our family. 

We thank you in advance your help and support to our request for assistance. 

Respectfully XXXX & XXXX XXXX
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (FL)

Every year I get harassing XXXX letter in the mail about the XXXX insurance. I uploaded the proof of insurance on Monday XX/XX/XXXX, but continue to get harassing XXXX letters saying I need to purchase insurance at my own expense.
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (TX)

I have been using this card for years with no problem. Normally, when I make a payment, it is credited immediately if not immediately within a few minutes, and if not within a few minutes within a few hours. Recently, I made a payment in the credit card company didn't credit my account. The next day, I called and they said there was a hold on the payment. They couldn't tell me why. I have called three times now and talked to three separate people and they all see the payment has been received and they can't release the hold. Furthermore, they can not contact anyone within their company that can release the hold. The funds were taken from my checking account the following day after I made the payment, so there's no concern from the credit card company 's perspective that there are insufficient funds in my account to cover the payment. They've already received the funds, and the funds have already been removed from my checking account, and still, they will not credit my credit card balance. This has resulted in 2 automatic monthly charges to my credit card to be bounced.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SANTANDER HOLDINGS USA, INC. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2022-09-08
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. (SC)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXXBalance : {$260.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXXBalance XXXX {$1100.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXBalance : {$380.00} XXXX XXXX XXXX  XXXXBalance : {$0.00} XXXX  XXXXBalance XXXX {$74.00}
Consumer complaint received 2017-11-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

I have XXXX savings accounts with USAA. In XXXX and XXXX of XXXX, they debited my accounts in error. It took several phone calls & several hours on hold, but on XXXX XXXX, XXXX, a USAA rep told me that my accounts would be credited back for the unauthorized debits with effective dates retroactive to the dates the errors occurred & that the interest earned on both accounts would be corrected to reflect the correct balances for XXXX and XXXX without their errors. I was told the corrections would take 3-5 business days. Finally, the errors were reversed ... but using the date XXXX XXXX, XXXX, not the dates the errors occurred. The interest was not recalculated. 
I have, again, spent hours on the phone trying to get my accounts corrected to show the proper interest I was due. ( XXXX XXXX, XXXX, was my last phone call concerning this. ) My accounts have not been adjusted for the correct interest earned as of today, XXXX XXXX, XXXX. 
The amounts involved are minimal, but it is my money, not theirs! I wonder how may other accounts have had errors with USAA cumulatively earning many dollars in ill-gotten profits from this practice. 
I do not have the capability of attaching documents to this complaint.
Consumer complaint received 2018-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (MA)

On XX/XX/2018, I received a letter dated XX/XX/2018, alerting me that I owed a debt to " XXXX XXXX XXXX XXXX XXXX. ", a company I had never heard of before. At the top of the page was an original creditor and debt description, for an old XXXX account that had been paid in full at least a month ago- long enough for my XXXX report to mark it as paid. This debt collection agency, Dynamic Recovery Solutions, sent me this collection notice with nothing but a XXXX XXXX address on the outside of the letter, and a XXXX XXXX address in the letter. I worry it may actually be fraudulent. This debt was settled, paid in full, to the original creditor directly. I should not still be receiving debt collection notices.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (CA)

Someone sent me money through Chime in XX/XX/2022 I just wanted to withdraw funds but XXXX XXXX created an account for me and sent me a debit card I never activated. I tried to get out the funds this week and then a couple days ago get a letter that they closed my account. They are also refusing to give me my money back. I wrote them and they said Your account has been closed by Chime and is not eligible for a refund.
Consumer complaint received 2022-11-30
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance : {$1000.00}
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (AZ)

Account was brought to attention XX/XX/XXXX called XXXX XXXX XXXX got told they can bring down the total amount from XXXX down to XXXX which would make the account paid in full which I agreed upon XX/XX/XXXX called back spoke with XXXX the whole time paid the balance which we agreed on the XXXX a few days past by I go check my account still shows I owe XXXX $ which was not part of the agreement the account should be paid in full
Consumer complaint received 2022-06-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I was threatened that I would be sued for something I had no Acknowledgment of. someone stole my information I shouldnt be faulted for someone else doing they told me I would have to pay XXXX XXXX dollars but was later told that I would have to pay XXXX this was not me
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I really need assistance with making sure the bureaus delete this fraudulent account and it stays deleted. Last much I reviewed my credit report online as i do every month and I noticed a new account XXXX XXXX XXXX for {$1900.00} which turned out to be a XXXX collection, I was immediately alarmed because I have not been to the emergency room or hospital in years nor have i visited a doctor. I called the company thinking surely they have me confused with another because I have a very common name but more alarming still it was my information! I went to the police station right away to report this fraudulent use of my information and disputed the account with all 3 credit bureaus as fraud. So far the account remains, I will attach a copy of the police report. Please help.