davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-13
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)

On XX/XX/XXXX I received an alert from XXXX that my Transunion score had dropped by 50 POINTS!!!! Needless to say I was floores. I've worked VERY hard on getting my scores above 700 and havent been late on ANY payments. There was literally NO changes to anything. I called TransUnion and they couldnt tell me why it dropped. I called all my current creditors and there were no recent delinquent information ( in YEARS ) ... I also recently paid several accounts off. I did have an old XXXX account that was charged off ( years ago ) and Ive been paying them regularly and my score has went up A LOT since then. I even called them and they said they had t reported anything new either. I understand utilization and applying for new cards can make a score go down a bit ... but 50 POINTSSSS! and nobody can tell me why. Ive looked at my report ... NO new negative info. This makes me think all this stuff is a scam ... Im disappointed because Ive worked very hard on my scores and for it to be taken away is very disheartening. I pay on time for years and my score goes up MAYBE 10 points and then nobody can even tell my why my score dropped 50!!!!
Consumer complaint received 2018-07-03
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 (KS)

After only nine months, Capitol One ended my 0 % interest promotion which was supposed to be for 12 months. I called 2 separate times and talked to agents in the XXXX XXXX to get it corrected. They told me many false and conflicting statements. Basically tried to brush me off. When I requested a customer agreement, which I received via online document, it had no verbage or statements about my 0 % interest promotion for 1 year, which they told me it would definitely have. But I read through it several times and it made no mention of it. 
On my second call I explained how the customer agreement was missing that important information and the representative XXXX from XXXX told me it should be there and that was the only written documentation I was ever going to get from Capitol One regarding my cardholder agreement. He told me his system showed 8 months ws the agreement, but he could not produce any written documentation to me what he claims he was seeing. He offered me no other recourse.
Consumer complaint received 2022-07-05
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

After Hurricane Ida, my wife and I were offered to defer our mortgage payments by Carrington, as our house was destroyed in the storm. Carrington then reported that 3 payments were then late and our credit has been decimated by it. We have paid everything else on time and don't think it's fair our credit rating is so bad now through the mistakes made by the mortgage company.
Consumer complaint received 2020-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (KS)

This is regarding billing dispute XXXX. 

I withdrew this dispute with Citibank. I decided to withdraw all my disputes with XXXX and XXXX through Citibank 's online dispute summary in order to work out a resolution directly with the merchant. The merchant offered to pay for all of our food, including our dogs, on our next visit due to how poorly that had transacted business with us over the last couple of years. Numerous complaints were done within the store, over the phone, through corporate 's website, through a XXXX  report with the corporate office ( no one answered it ). 

The problem is despite withdrawing the dispute and having verification that it has been withdrawn, I recently looked at our transaction history only to find that Citibank issued a credit for the dispute of $ XXXX on XX/XX/2020 that dates back to the original transaction date and amount of the dispute. They have not rebilled for the item. Instead, they deducted it again. I am totally confused. I alerted Citibank 's billing disputes department about it earlier in the day in writing. 

I am attaching all the pertinent documents for your records, including the disputes e-mails to billing on all three disputes that I withdrew, a screen print of the recent credit for dispute, a copy of the withdrawals on all three disputes, a copy of the comped receipt signed by the store manager XXXX, and the e-mail correspondence between the store and myself. 

My concern is they are going to resend another dispute to this merchant for a dispute that has already been resolved and dates back at least a half of a year.
Consumer complaint received 2019-01-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CHECK INTO CASH INC. (MO)

I am sure that I have already paid this debt. I had gone to exhaustive measures to pay all the loans I had ever taken out several years ago and have not taken any loans out for many years. 
They say this debt was from XX/XX/2012. I know that a few years ago, after XX/XX/2012 but I'm not sure what year I paid everything because I had the money to and I knew I probably wouldn't get another chance. Since then I've had continuous phone calls and debt collections activities target me because of what I believe to be what is called " Zombie Debt. '' These collectors will send phony letters or even try and collect on legitimate past debts that has already been paid. I called a lawyer and they told me to come here but that the CFPB has been gutted by Trump. 
If you know of a good lawyer then email me their info because I would rather pay thousands to a lawyer now to make this stop than keep paying these XXXX every time they want to exploit me.
Consumer complaint received 2020-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

in Fall, XXXX, I was mailed an offer by Chase. It said I would receive a {$300.00} bonus for opening up a checking account with them, and meeting other criteria, by XX/XX/XXXX. The offer also included an additional {$300.00} bonus, for {$600.00} total, if I also opened a savings account and met other criteria. 

I created both the checking and savings accounts with Chase on XX/XX/XXXX, immediately funding both of them with a total of {$15000.00} in deposits, per the required criteria. I also set up direct deposit from my employer to the checking account, and direct deposits were made to the checking account on XX/XX/XXXX and XX/XX/XXXX. 

Per the offer ( see attachment ), the first {$300.00} bonus should have been deposited into my account within 10 business days of XX/XX/XXXX, but wasn't. I called Chase 's customer service line about the omission, as well as returning to the branch where I set the accounts up to follow-up, but Chase is refusing to pay me the bonus. 

Per the offer, the bonuses are not available to checking & savings customers who have closed those accounts within the last 90 days, but Chase is explaining that they are refusing to pay me the first bonus because I closed checking & savings accounts with them within THE LAST TWO YEARS. They have also indicated that they will not deposit the second {$300.00} bonus when it is due this week ( XX/XX/XXXX ) for the same reason. I have no idea why they are trying to renege on their offer, but I certainly would not have set the accounts if this alleged two-year-rule were included in the offer, rather than the 90-day-rule which was included.
Consumer complaint received 2020-02-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NC)

I have Power of Attorney for my Father on this account. In year of XXXX it was documented a mortgage loan of XXXX was not taken out by my Parents. How it was done we don't know. Their signature is up on the contract but it's impossible for them to say it was a mortgage loan because the land and house was paid for by parents. XXXX XXXX  is the company who said they owe {$53.00} for mortgage which they never financed that amount for them to borrowed or given for anything. I see also this account was given to them by XXXX XXXX  .Then XXXX XXXX  in XXXX turned this loan over to Ocwen Mortgage XXXX and in XXXX, the month of XXXX, Ocwen turned this loan over to PHH Mortgage. I have been Informing them that this could no way be my parents loans legally. No money was borrowed against this property or was used as collateral for any purpose. I believe this loan was fraudulent from the beginning. My parents were not aware of these situations going on. My mom passed in XXXX and my dad which Is XXXX years old with health issues he don't need this burden. I want our property back from their clutches and payments that were paid over the years.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My problem pertains to a 90 day late error on my XXXX loans. There is no late history, I pay the account on time and am never late. The error does not show a 30, 60 late prior to the 90 day late. I have called XXXX and explained the error, and they have promised to remove it because it is an obvious error. However the problem persists and worse yet gets duplicated across all my loans. The same 90 day late annotation. I have been treated very kindly by XXXX but the problem has been addressed and found to be an error by various agents but never corrected when they say it will. I am asking for help to see this small matter resolved.
Consumer complaint received 2020-02-13
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. (NC)

Experian refuses to remove information that was shown and proven as identity fraud. I have called and faxed over the supporting information. 

XXXX XXXX XXXX, was a fraudulent debt under the name XXXX that was already removed, in which they sold the debt and renamed it. I called and advised this and they have ignored my request and proof which can be seen in previous reports from 2018. 

XXXX  XXXX XXXX  was an account fraudulently opened I have a security warning on all my credit reports requesting the companies call and verify that it is me they are speaking with as my identity was stolen and was reported to all credit bureau 's. 

XXXX XXXX Was a debt that was belong to my previous Land lord in which I provided proof via text in which he admitted that he did not switch the electricity out of my name once I moved There are also double inquiries on my report which should only appear once I have contacted them about this and they have yet to be rectified
Consumer complaint received 2020-02-13
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. (FL)

My problem pertains to a 90 day late error on my XXXX loans. There is no late history, I pay the account on time and am never late. The error does not show a 30, 60 late prior to the 90 day late. I have called XXXX   and explained the error, and they have promised to remove it because it is an obvious error. However the problem persists and worse yet gets duplicated across all my loans. The same 90 day late annotation. I have been treated very kindly by XXXX  but the problem has been addressed and found to be an error by various agents but never corrected when they say it will. I am asking for help to see this small matter resolved.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My problem pertains to a 90 day late error on my XXXX loans. There is no late history, I pay the account on time and am never late. The error does not show a 30, 60 late prior to the 90 day late. I have called XXXX and explained the error, and they have promised to remove it because it is an obvious error. However the problem persists and worse yet gets duplicated across all my loans. The same 90 day late annotation. I have been treated very kindly by XXXX but the problem has been addressed and found to be an error by various agents but never corrected when they say it will. I am asking for help to see this small matter resolved.
Consumer complaint received 2020-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Service Company, INC (TX)

I received notification in 2018 that I owed {$120.00} to the XXXX XXXX XXXX  XXXX XXXX office. I stopped by and paid this amount in FULL at that office. Apparently the office sold the account to a bill collector. After it was disputed and found to be paid by the first debt collector, it was sold to another. 

As a result, I keep getting NEW bills for the same item that has already been paid. This is credit dispute XXXX and I am so very tired of having to deal with this. I have sent a letter to the newest company who was sold this false account ( Credit Service Company , Inc ) and have not receive any reply. 

I am hoping that you can find a remedy for this issue and stop this endless harassment for a bill already paid. 

Thank you.
Consumer complaint received 2020-02-13
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: SYNCHRONY FINANCIAL (NH)

SYNCB/PPC ( PayPal ) reported someone else 's account information to the credit bureaus under my name for an address I have never lived at. The account was opened on XX/XX/XXXX. My account was opened in XXXX and is in good standing. The other account from XX/XX/XXXX that I did not open up is not in good standing and has dropped my credit score over 100 points. I sent SYNCB/PPC a letter on XX/XX/XXXX and have not heard anything yet. I sent the letter so that they would have to sign for it and send a green card back to me, which I have received. It was signed for on XX/XX/XXXX. I just don't know how and when they plan on notifying me to let me know this has been corrected. XXXX  said there is nothing they can do until PayPal reports the correct information to them. The XX/XX/XXXX account that is not mine was opened on XXXX, reported on XXXX, High Credit of {$900.00}, Past Due Amount of {$180.00}, Account Type : Credit Card, 120 days past due, account closed by credit grantor. I got my credit reports the end of XX/XX/XXXX so of course none of this was on them, nonetheless this is not my PayPal account information. Also concerning the address in MS , linked to this account, how could I be living in 2 places at the same time. Not only have I not lived at that address, I have never given that as an address to PayPal.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

My problem pertains to a 90 day late error on my Navient loans. There is no late history, I pay the account on time and am never late. The error does not show a 30, 60 late prior to the 90 day late. I have called Navient and explained the error, and they have promised to remove it because it is an obvious error. However the problem persists and worse yet gets duplicated across all my loans. The same 90 day late annotation. I have been treated very kindly by Navient but the problem has been addressed and found to be an error by various agents but never corrected when they say it will. I am asking for help to see this small matter resolved.
Consumer complaint received 2021-04-14
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 — Investigation took more than 30 days
Company: Prosper Marketplace, Inc. (AL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (CA)

Southwest Credit Systems has fraudulently flagged my credit report with a collection notice related to XXXX XXXX. I have never had an account with XXXX XXXX. I have informed Southwest Credit and they refuse to remove the collection notice.
Consumer complaint received 2020-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been a customer with Capital One Visa for over 18 years. Never have I been late on a payment. I submitted a credit line increase request on XX/XX/XXXX. Capital One declined my increase, stated credit score was too low, BUT the letter ( attached ) shows they used a credit score from  XX/XX/XXXX, over 60 days old. My credit score was 100+ points higher on XX/XX/XXXX. 

I called Capital One. They told me to resubmit my request. I resubmitted my Credit Line increase request on XX/XX/XXXX. Capital One again declined my request, AND as shown in the second attached letter, Capital One again used the same OUTDATED information from XX/XX/XXXX. 

I submitted a third request on XX/XX/XXXX. Request was denied again, but AGAIN, as shown in the third attachment, Capital One still used information from XX/XX/XXXX. Why is Capital One refusing to use current information to make a decision?? Why is Capital One purposefully using a credit score that is over 90 days old? 

Furthermore, I find it infuriating that after 18 years of being a faithful, loyal customer, Capital One can not even give me the basic courtesy of processing my Credit Line Increase request by using CURRENT credit report information. 

Again, my score in XXXX, XXXX and XX/XX/XXXX is over 100+ points higher than the information/score Capital One is  using from XX/XX/XXXX. I feel it is unfair and DISHONEST for Capital One to use outdated information from XX/XX/XXXX to review a Credit Line Increase requested on XX/XX/XXXX.

I would encourage anyone reading this post to thing long and hard before becoming a Capital One customer. If they will treat a loyal customer of 18+ years like this, imagine how they will treat a brand new customer.
Consumer complaint received 2018-07-03
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)

Ive notified Experian via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. With each request, Experian only sent me a credit report stating that the accounts were verified. The FCRA says that Experian has to provide me with the information used to verify the account in question. FCRA says its required by law to verify through physical verification of the original signed consumer contract, any and all accounts thats listed on my credit report. Ive demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported. Experian has continuously ignored my requests & has continued to report the unverified negative information on my credit report. FCRA states that unverifiable accounts must be removed and if the company is unable to provide me a copy of verifiable proof, they must remove the account.
Consumer complaint received 2020-02-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc. (MD)

After viewing my credit file, I noticed I had a collection account. XX/XX/2019 I sent the collection agency a validation letter asking for proof. Under the FDCPA, if the collection agency doesnt validate then they no longer can collect payment and is required to removed the debt. Being as though I never received any letters or notices from this collection agency prior to this collection on my file is weird to me. Also, the CA did not satisfy proof of this alleged debt, therefore I am making a complaint with CFPB.
Consumer complaint received 2020-02-13
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. (MA)

I have presented Experian with the request for support to have the incorrect information that appears on my consumer report corrected and for the removal of the items that I have listed pertain to identity theft and the misuse of my information. 
I have not received an appropriate response from the part of Experian and in my last attempt to commission support I have been left on the phone for one and a half hours and then the call was simply ended without appropriate resolution.

I am a person with a XXXX  and the continuous disregard of my concerns and poor communication is not the experience that myself or any concerned consumer should have when documenting that they have been a victim of identity theft.
Consumer complaint received 2018-09-07
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. (PA)

I received a copy of my credit report and am disputing some items that need to be deleted. I have attached the disputed items on the attached copy. The reasons why these items should be deleted are indicated below : A. XXXX XXXX ..*********XXXX B. XXXX / XXXX XXXX *****XXXX C. XXXX XXXX /XXXX XXXX XXXX *****XXXX  D. XXXX XXXX   ******XXXX 1. Debt ( s ) has been satisfied 2. Statue of limitations 2012 one ( A ), ( C ) & ( D ) Pursuant to FCRA 611 ( a ) 15 USC 1681i ( a )