davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OR)

This is my 2nd attempt to rectify a serious error on the part of Experian National Consumers Assistance Center. I have been disputing an entry on my credit report listing a Bankruptcy Chapter XXXX- discharged on XX/XX/XXXX for over a year. 
As proven in the documents I am attaching, there is no way the bankruptcy is validated as the Bankruptcy Courts do not verify them ( see attached letter ), it is not listed on my XXXX XXXX XXXX ( XXXX ) report ( see attached  report ), nor is there a bankruptcy reported on my XXXX report ( see attached report ). To quote the reply by XXXX XXXX Senior Regulatory Affairs Associate from my 1st complaint ( see attached response to my 1st complaint ) Our records indicate that we have contacted the public record vendor to verify the accuracy of the information with which the consumer disagrees. The disputed bankruptcy information was verified as accurately reported and confirmation was mailed to the above-mentioned consumer for review. The only other way it could possibly be reported is through PACER. I have previously requested ( see letter dated XX/XX/XXXX ), and I WILL DO SO AGAIN NOW, Experian provide identifying info of the clerk they spoke to verifying the Bankruptcy as BK Rule 9037 states- " PERSONAL IDENTIFICATION DEFINED AS INDIVIDUALS SOCIAL SECURITY & TAXPAYER IDENTIFICATION NUMBERS, NAMES OF MINOR CHILDREN, LAST FOUR DIGITS OF FINANCIAL ACCOUNT NUMBERS, AND DATE OF BIRTH, BE REDACTED FROM DOCUMENTS FILED WITH THE COURT. '' Therefore obtaining verification through a subscription to PACER or any other agency is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires " you to notify the party who furnished the disputed information '', Experian would also be in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits " unfair or deceptive acts or practices '' by purposely reporting information that they have " assumed '' is verifiable based off circumstance.

Experian has failed numerous times to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. IN ADDITION, Experian has violated the FCR Act Section 623 ( a ) ( 3 ) & /or FDCP Act Section 807 ( 8 ) by not placing a notice of my dispute on my credit report w/in 30 days This is my last attempt for them to rectify this serious and inaccurate reporting error. .My next step will be small claims court where I will be seeking {$1000.00} per violation of 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act.
Consumer complaint received 2018-12-04
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. (NV)

There was nothing to explain further. I have been sending letters to Experian for months now and I have repeated myself over and over again. XXXX XXXX XXXX XXXX doesn't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNT
Consumer complaint received 2019-08-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC (IN)

I closed on my current home XX/XX/2018 with an FHA mortgage through XXXX XXXX XXXX XXXX. At closing, I paid {$3700.00} to the Federal Housing Administration. My mortgage was bought by Roundpoint Mortgage Servicing shortly after closing. I have been paying {$150.00} towards PMI on each monthly bill since I've owned the home ( Nearly {$6000.00} total ). Fast forward to now, I just tried to refinance my FHA mortgage to take advantage of the lower rates ( also through XXXX XXXX, but XXXX XXXX XXXX XXXX was bought by XXXX ). I was unable to refinance for the reason that my FHA loan was never endorsed. I called Roundpoint numerous times, I submitted emails explaining the problem to the emails that they told me to contact ( XXXX and XXXX ). They also told me to contact XXXX XXXX/XXXX who they said they bought the loan from ( I had no idea/was never notified that they ever serviced my loan ... never paid a bill to them ). I contacted them, and they just put a note on my account to back date my PMI. 1 ) that's illegal. 2 ) I still can not refinance my mortgage because it's still not endorsed. So I'm basically being held hostage with these interest rates until I pay off my mortgage completely unless someone does what they were supposed to and gets my loan endorsed. Besides that, where did all that money go? If it didnt pay for mortgage insurance for the past year, it certainly should be coming back to me. I get a different person everytime I call and no one is ever able to fix the problem. I have even had my lender ( XXXX XXXX ) on the line with me to help explain. It's impossible to get anyone to understand or fix the problem.
Consumer complaint received 2020-11-04
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. (GA)

When I opened the XXXX XXXX  account and got a loan with them in XX/XX/XXXX, shortly after, my bank card that they automatically withdraw fees/payment from was compromised. I immediately reached out to them through their app, and updated the payment method. When I saw it did not automatically withdraw on the due date I called them to see why. They told me it had not updated in their system and that they would waive any late fees if I just paid right then. So I paid all of the payments right then. After updating my payment method over the phone with a person, I never had any issues with payments being taken out of my account and was paid in full by XX/XX/XXXX. I recently got a subscription for experian and saw they were reporting I was late more than 30 days almost 6 months in a row. This was impossible! I reached out to them and they would not remove this from my credit report, and said I would have to dispute it. They have still not removed this inaccuracies to this date.
Consumer complaint received 2019-08-09
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Eagle Recovery Associates, Inc. (IL)

On XX/XX/19 around XXXX a collector for Eagle Recovery attempted to call my wife at work. She then called the number back and the company continued to talk to her about a medical debt in my name which I had not given them authorization to talk to her about. She told him that I would not have given them her work number, as I do not know it, and that she was not allowed to receive outside calls at work. He continued to talk to her about my medical debt, some of which was even incurred prior to our marriage. Within a week, I went and made a small payment at their physical location and advised we would make payments as our budget allowed. The collector that had previously called her spoke with me the following day advising that I had not made a large enough payment. I again told them that we would make payments as our budget allows. 

On XX/XX/19 at XXXX XXXX the collector called my wife 's cell phone and left a message to return his call. She returned the call. He did nothing to verify her identity. She told him I hadn't given him authorization to talk to her ( my wife ) and he said he didn't need that. He then said he'd called and left several messages for me, which I recall receiving one message that was left when I was not available to answer the phone. She told him that she is XXXX and has an XXXX  disorder and she couldn't talk to him for medical reasons. He continued to try and keep her on the phone. She again told him he did not have authorization to talk to her about my medical debt. The collector also told her she had agreed to make payments on a specific schedule, which neither of us have agreed to, it was only discussed. She reminded him that the last time I spoke to him about the debt I had advised we would make payments as we are able to. When she continued to try and end the call due to her increasing XXXX and having been advised by her doctor to avoid added XXXX  during her XXXX, he continued to try and speak to her, again without my permission. She ended up disconnecting the call as he stated he would notate their discussion and that we still owe the debt. I am not disputing the debt, I am well aware I owe this money for medical services provided.
Consumer complaint received 2017-09-18
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. (PA)

Hi I have been trying to get this account to update on my credit since XXXX XXXX, this account is keeping my score from updating, and I am trying to purchase a home for my family of XXXX. i paid this joint account XXXX XXXX, XXXX in the amount of {$850.00} as a settled amount to close the account with the company. the full balance on the account was {$1800.00}. They updated the account by subtracting the amount but not closing the account and marking it as settled and closed. All three of the major crediting reporting agency are giving me the same problem, XXXX, Equifax, and XXXX. XXXX  updated it on my wife credit report. All I want to do is repair my credit and buy a home for my family. I have attached a letter that the branch manager gave me as well as my receipt for the transaction.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Financial Assistance Inc (CA)

Financial assistance Inc is reporting. debt on my CR after I disputed the validity of the debt as I do not believe it belongs to me. I never received anything in the mail outlining the debt, whom it may belong to or actually anything at all! The debt says I owe {$10000.00} and was opened on XX/XX/XXXX which is impossible as I did not apply for anything in XXXX. I have disputed the debt with 3 CRA and the dispute remark reflects its resolved as reported by grantor. How can this be? 

also, the same company is reporting a second debt dated opened XX/XX/XXXX for {$1300.00}. Same exact scenario. Disputed and same remark as above. I have no idea what this is for and never received validity nor verification of the debt. 

Also, the debts are reported as paid and then put back on as balance increased about 4 days later so it reflects as a new account on my report making my credit score drop. 

Also I am guessing that XXXX XXXX XXXX is whom the debt is from? But they are reporting account closed XX/XX/XXXX from a credit card with balance {$4600.00} and charged off as bad debt the account was opened XX/XX/XXXX but if it were closed XX/XX/XXXX they just updated the account on CR as of XX/XX/XXXX. 

I have also disputed with XXXX XXXX as I have no knowledge of this debt and never had a response in the mail from them. I have disputed and on my CR it stated that its resolved. I still disagree
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

Purchased two {$100.00} Visa Gift Cards from XXXXXXXX XXXX XXXX. Went to register the gift cards online so i could use at gas stations. Once logging into the website i noticed the balance is zero and the spent activity is around a town ive never been. Im 100 % sure i did not compromised my gift cards as they never left my person/home. After researching i believe the gift cards were stolen, tampered with, and put back on the shelf where i then purchased the cards. The bottom of the packaging has a brownish rubber cement type glue which is think was used by the thief to seal the cards.

I contacted Giftcardmall and theyre asking i wait 90 days for a verdict too see if i even get my money back. 3 months is unreasonably too long to hold my money if i even get it back. 

Purchased from XXXX on XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Gift card packaging says distributed and serviced by Blackhawk Network. 
Back of actual gift card says issued by XXXX, card also lists giftcardmall.com/mygift XXXX for support.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (GA)

My VA loan with Freedom Mortgage Corp was paid in full on XX/XX/2019. This is supported by an Outgoing Wire Detail secured from the closing attorney. The wire detail identifies the receiving bank via routing and account number, the loan account number, and the amount paid. Although the funds are identified in the bank on XX/XX/2019, Freedom Mortgage did not post the payoff until after XX/XX/XXXX. Accordingly, Freedom Mortgage has reported to credit bureaus that my loan is 30 days late and is still not posting as paid off. This has caused my credit score to plummet from XXXX to XXXX. Now my new refinanced mortgage is reporting and Freedom Mortgage is still active, which has doubled the debt balance along with a 30 days late negative entry.

I have called and emailed Freedom Mortgage to resolve, with no results or return communication. I filed complaints with the credit bureaus and was notified today that XXXX has confirmed the reporting is correct and will remain on my record. I have never had a late payment with Freedom Mortgage and this needs to be corrected asap. My annual premiums for autos are coming due in XX/XX/XXXX and the rates are increasing due to this significant drop in credit score. I'm attaching the Wire Transfer of funds that demonstrates the loan payoff off on XX/XX/2019 ... in the amount specified by Freedom Mortgage.
Consumer complaint received 2021-09-13
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. (GA)

This has been an ongoing dispute with Citi. It has almost been two years. Now when I call they tell me we have a no communication with you. That's how they deal with things at Citi. I didn't even bother asking for a higher up due to the fact I have played this song and dance with them for almost two years. I have spent over 50 hours on the phone with them. Nobody knows what to do and they just transfer me from department to department. I was told by 4 supervisors that my account was at XXXX and even after listening to the calls they now say yeah they were misinformed. Really, all 4 who had the same answer? That is what we have dealt with. I have asked for a real person and not an e-mail for the last year and a half. I get nothing just an e-mail saying I am wrong and as far as they were concerned they were done talking about it. Never once Have I talked to a real agent. This is a dispute that we had a balance transfer to a XXXX XXXX for my father. The transfer went through and everything was good. My Dad passed away before the first payment. XXXX tried to get payment from my fathers estate and once they found out they wouldn't get any money they disputed the charge with Citi claiming it was fraud. Never once did anybody from the fraud department at Citi contact me. You would think {$6300.00} would be a concern for fraud. Nope, not only did they send XXXX the {$6300.00} back they sent two checks. This made my account negative {$12000.00}. It took almost 6 months to clear that up. Then we spent 4 months because I had a negative balance for {$6300.00} with Citi and a positive of {$6300.00} with XXXX. Citi told me that once XXXX releases that money back to them my account with be at XXXX again. This is on top of the 4 other times they told me my account was supposed to be at XXXX but all of their supervisors were incorrect. Then in XXXX the check finally went through. At that time Citi closed out my account and when I called to check it said I had XXXX  balance. Then two months later I see my credit score going down. When I go into XXXX XXXX nothing shows so I thought they finally did the right thing. Of course typical Citi they didn't. They keep dinging my credit every month, have a communication block on me. Great company. All I want them to do is do what they said they were going to do for the last two years. Put my account back to XXXX. I was with them 12 years prior to this and never missed a payment. I can not believe this is still going on after two years. XXXX said since they got their money there is nothing more they can do. Citi should have never given them back that money without an investigation first. If they want to go after XXXX be my guest. I have told them I will not be paying this bill. If we need to pursue legal action then please let us know. Our attorney is on our file. We didn't pursue it last time cause they closed the account.
Consumer complaint received 2019-08-12
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: EQUIFAX, INC. (CT)

I have been unsuccessfully attempting to get a fraudulent inquiry removed from my credit report for a year. It started in XX/XX/XXXX when I received a letter from XXXX XXXX XXXX XXXX alerting me that a credit card application in my name had been rejected. I had not applied for a credit card, so I immediately called their fraud department to report this. On XX/XX/XXXX, XXXX XXXX XXXX XXXX   sent me two letters, attached. The first thanks me for notifying them about the fraud. The second states that they will request changes to the inquiries on my credit report.

In XX/XX/XXXX, I received my Equifax credit report and discovered that the hard inquiry described above was still on my report. I filed a dispute ( # XXXX  ), which was rejected. I called Equifax  and spoke to XXXX, who told me to call XXXX XXXX XXXX XXXX. I called them at the number provided, but this number did not really work. It got me to a telephone system that demands an account number to proceed. After about 10 minutes of mashing buttons, I managed to speak to XXXX, who refused to remove this inquiry from my report. I spoke to her supervisor, who told me the same thing. I eventually also spoke to XXXX  from the new accounts department in Maryland, who told me that they could not remove the inquiry, but they would set it to non-display status.

I called Equifax in XX/XX/XXXX to see if anything had been changed on my credit report. I learned from XXXX  ( XXXX ) that it had not, so she filed a new dispute ( # XXXX ). On XX/XX/XXXX, this was rejected and I received a letter, attached, stating again that I must call XXXX XXXX XXXX XXXX.

I put a long-term fraud alert on my Equifax account. I obtained a police report and FTC.gov report, for submission to Equifax in a letter. After that point, every time I have called Equifax, they are surprised to see that the item has not been removed. They then proceed to say they are removing it or filing another dispute " sure to remove it this time, '' but which never does. The most recent disputes were filed on XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX  ). The response to the latter states again that XXXX XXXX XXXX XXXX says this is factual information so they refuse to remove it. The item is still on my credit report.
Consumer complaint received 2019-08-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MN)

XXXX XXXX XXXX incorrectly associated me with a vehicle that is not mine and entered a missed payment of my fathers vehicle ( XXXX XXXX XXXX ) into their system. The missed payment was in XXXX 2018, after I had cancelled my insurance through XXXX XXXX and my father  had cancelled insurance through XXXX XXXX. The Credit Collections for this missed payment of {$100.00} was posted in XXXX 2018 on my credit score. 

I was never notified of this debt, via phone, email, or mail and neither was my father. I just recently found this in reviewing my credit in preparation for buying a house. I have been in contact with XXXX XXXX to remove this from my credit, but I want to ensure that it no longer affects my credit and would like to get this moved forward and removed from my record as quickly as possible.
Consumer complaint received 2018-09-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC (AZ)

On XX/XX/2018 at XXXX we received a call from North Star Location ( XXXX ) stating that the call is intended for XXXX XXXX XXXX and to call back at XXXX. The message states " to reach an operator press XXXX now '' and once this is done the call ends. 

I called the number ( XXXX ) on XX/XX/2018 at XXXX and informed the operator that we have been receiving this call several times and that we need to get our number removed. I explained to the operator that this number is the main hub for our company and that there could be hunderds of numbers that lead over to this. He stated that the message is supposed to give a case number or offer to transfer over. I stated that it does offer to transfer but ends the call when it's selected. He stated if the number calls with all of the information to call back to get our number removed. 

This is impossible to do as the call number does not provide additional information nor can the operator find the name that is given by the calling machine.