davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-07
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: Experian Information Solutions Inc. (CA)

Experian and XXXX are reporting wrong type of BK # XXXX on my credit report ... Back in 2009 I did file for chapter XXXX which was discharged and statute of limitations for this type of BK is 7 years.This BK aka public  record should not be on my credit report because 1 ) it is a chapter XXXX not a XXXX 2 ) it has been 10 years since filing date, both Experian and XXXX have different dates both of which are incorrect. 

3 ) I attempted to dispute this with Experian over the phone - agent was very rude and refused to take my information keep directing me to their website which would not let me access my own report. When asked for supervisor I was put on hold for 28 minutes after which my call got disconnected on purpose. I then wrote two letters with no response from Experian .... I called today they claim not to have any record of me sending the dispute but I do have a copy of the certified mail sent to them on XX/XX/XXXX and XX/XX/XXXX. 

XXXX  website is non responsive and does not allow for disputes to be filed, I disputed over the phone mailed and faxed in supporting documentation with them returning saying that creditor - the court has verified the accuracy. I contacted the court who stated they do NOT report or verify with bureaus. 
I contacted XXXX XXXX now, who stated they do NOT have public record reported on my credit file to any of the bureaus at all.. then who are they verifying this info with then.. this is a lie after lie and a violation of F.C.R.A I prepared my complaint to FTC as well as Attorney Generals office if this BK is not removed from my credit report immediately and accordingly
Consumer complaint received 2017-08-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (CA)

My name is XXXX and I have been dealing with Roundpoint Mortgage for about 1 year to try to obtain a loan modification and have constantly gotten the run around. My loan has been transferred 3 different time to 3 different investors. Based on my income I know I do qualify for a modification If I was given the chance. I believe my lender has violated my homeowner bill of rights.
Consumer complaint received 2016-04-26
Product: Credit card — 
Issue: Delinquent account — 
Company: Blitt and Gaines, P.C. (IL)

I have a consumer debt with XXXX XXXX that is being collected by Biltt and Gaines, P.C. Biltt and Gaines currently has a summons for me to return to court on XXXX XXXX, 2016 to pursue the action of garnishing my wages. I 'm currently unemployed and receive XXXX from the state of Illinois. Somehow they have managed to identify my employer XXXX while I do XXXX to this company I do not get paid nor am I employed by them. They have been calling the company to seek wage garnishments and have been told on numerous occasions that I am not an employee.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Basically The Problem Is I Have XXXX XXXX Account. I Frequently Use It With XXXX. My Credit History Is Not Reporting XXXX XXXX On Any Of The Bureau 's, Every Credit Company That Has Statement Dates So On And So Forth Needs To Be Reported Immediately, This Is Something That Needs To Be Shown And Not Hidden. Please Thank You, It'll Be Greatly Appreciated. Failure To Report My Statements Is A Very Serious Problem
Consumer complaint received 2018-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (VA)

I've asked wells fargo to stop the refund of {$720.00} from leaving the account, yet they've said that it was already processed on XX/XX/18 and that it can't be reversed whatsoever due to their system limitations. 

I'm frustrated that they're ignoring this issue.
Consumer complaint received 2016-05-09
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Capio Partners, LLC (CA)

In XXXX 2014 I went to XXXX XXXX Hospital after receiving an XXXX. I did not have my insurance card on me at the time but I called in the following week with the information. I was insured and have been insured for the last 10 years with XXXX XXXX. 

I later learned XXXX XXXX hospital sent my bill of {$2600.00} to Capio Partners which is a debt collection agency. I have made multiple attempts to contact Capio partners with my insurance information and contacted health net to see why the debt is in collections. All attempts were unsuccessful and all parties have failed to resolve the issue. 

Although my plan has changed with health net we were still covered at the time of the incident. I will leave information for the debt collector and for my insurance. 

CAPIO XXXX, TX XXXX XXXX XXXX XXXX XXXX Subscriber # XXXX
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc. (CA)

I had a secured credit card with SELF XXXX XXXX They have closed my account and my balance was paid off, now they are holding my security deposit and refuse to send it back to me, I have verified everything with the documents they requested, i have contacted them over 15 times and keep being told its being reviewed, Well they closed my account and now i have a zero balance and they will not release my money, Ive verified my idenety 4 time, verified my payment method, when i paid my bill... there is nothing else possable i can give to prove my anything, i just want my refund which is around 1000 dollars after my balance was paid.
Consumer complaint received 2022-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have been requesting proof that the debt is mine I been provided with a letter to a XXXX XXXX here is case law and proof that I have been in prison since XXXX so who ever u was communicating with was obviously not me and that was public record a proper investigation would have should that I was in prison the time u supposedly was mailing me letters and thats clearly indication of your un ethical practice and a letter telling me u will not conduct any more investigation when I am clearly showing u that its obvious u did not communicate with me In XXXX
Consumer complaint received 2015-10-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

I am consistently encountering website errors, extremely slow page load times, and unsecure connection warnings from different browsers when attempting to make online payments towards my XXXX loan. Slow page loading prevents me from being able to manage my loan online or access the online payment center, even after returning to a loading page over an hour later. My internet connection is working and all my browsers ( XXXX ) open up other student loan websites, like XXXX XXXX XXXX, just fine. I do not want my payments being made over the phone or via mail so a working website is absolutely critical. I would like to attach a few screenshots of tonight 's payment attempt. Hopefully, you can get this New Jersey company to work on their poorly run website because customer service seems to be unreachable via phone. How does one expect to receive timely payments and high customer satisfaction from borrowers with these sort of problems?
Consumer complaint received 2021-07-08
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX  CARD Account Number : XXXX This is not mine. 2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX  Account Number : XXXX-XXXXXXXX  This is not mine. 4. Identity Theft XXXX  Date of inquiry :XX/XX/XXXXThis is not mine. 5. Identity Theft XXXX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 7. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 9. Identity Theft 01 XXXX XXXX XXXX  Account Number : XXXX This is not mine. 10. Identity Theft 08 XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2019-03-07
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. (MO)

On XX/XX/2019 I was charged {$430.00} for tires in which I did not receive. In fact, I purchased new tires and had them put on by a lower priced competitor the following day. I explained this to Citibank and they opened a dispute. Today, XX/XX/2019, I was told by Citibank that the merchant, to whom I did not get the tires from but was charged, turned in paperwork which shows I did get said tires. I told them I do not have this merchandise in which I was charged and can prove that I bought tires from another merchant. This is fraud! Citibank did not even want the paperwork to prove my statement. Their customer service was rude and insinuated I would be the responsible party for the fraudulent charge! I plan on taking this issue up with the appropriate representing attorney against Citibank and merchant who charged my card without me receiving merchandise. I should have used my American Express card. This would not have happened!
Consumer complaint received 2019-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AZ)

I opened my HomeDepot card last year in XXXX while doing some updates to my home. The next month I went online to pay the total balance. Iogged in and I paid the total balance off and believed I was good to go. WRONG last month XX/XX/2019 I received an email alerting me of a delinquency and drop in my credit score. Come to find that HomeDepot Credit Card was stating I owed over {$130.00} I got on the phone and called to find out what was going on. Apparently they charged me a late fee of {$27.00} and another late fee and another late fee total amount due was {$130.00}. I spoke to an agent and they had no concern for the issue they said no sorry you didn't pay on time and you did not make a payment in XXXX, XXXX or XXXX. I must have talked to 6 different people and One agent waived one fee. They offered no solution no explanation as to why it was not on the statement the day I paid it in full. Crickets is all i heard NO one had the answer. I pay my bills on time, early when possible I had a great credit score and now my credit score has dropped over 100 points. That is so wrong. I paid the balance off. If there was a late fee I should have been able to pay it. If the system didn't show me how am i suppose to know that there is an outstanding fee. Per the CARD act credit card companies can not charge you more than 3 % of the minimum amount due. I had a XXXX balance. Again how is it possible that I now owe {$130.00}. I hold both Citi Bank and Home Depot responsible. This is not honest way of doing business.
Consumer complaint received 2019-03-07
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: AMERICAN EXPRESS COMPANY (WI)

These 3 hard inquiries are on my credit report and I vehemently deny ever applying for these cards. I am despartely trying hard to repair my credit and none of these companies will work with me. With regards to the XXXX credit, I have used XXXX for over 10 years and have never tried for credit at XXXX. They will not help me remove this. 


AMERICAN EXPRESS Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX PO BOX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2018-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good morning, I am writing because the short sale to close my mortgage still appears on my Credit Report. On XXXX XXXX, XXXX, my ex-husband and I opened an account with XXXX XXXX. In XXXX, we could not pay our mortgage. We ended up closing the account due to a short sale. This account has since been paid and closed. 

It is now XXXX and I am still waiting for this information to be removed from my Credit Report. I have been working hard and have impeccable credit, however, this short sale/adverse mortgage is still showing up as 'delinquent account ' or 'delinquent activity. ' It continues to negatively affect my credit score. 

I would like to please request that this old information be removed from my Credit Report. I've waited 8 years, finally got divorced, and am eager to move on with my life and be able to purchase a home for myself. 

Thank you so much for your help.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Basically The Problem Is I Have XXXX XXXX Account. I Frequently Use It With XXXX. My Credit History Is Not Reporting XXXX XXXX On Any Of The Bureau 's, Every Credit Company That Has Statement Dates So On And So Forth Needs To Be Reported Immediately, This Is Something That Needs To Be Shown And Not Hidden. Please Thank You, It'll Be Greatly Appreciated. Failure To Report My Statements Is A Very Serious Problem
Consumer complaint received 2021-07-08
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 — Investigation took more than 30 days
Company: Consumer Adjustment Company Incorporated (CA)

I filed a dispute in regards to the inaccurate items on my credit report. It has been well over 30 days, and I havent received any investigation results.
Consumer complaint received 2018-02-06
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. (CO)

XXXX/XXXX XXXX sold my mortgage to XXXX XXXX on XX/XX/XXXX. As I was being notified about the sale in XX/XX/XXXX, I was confused about the process and was unsure who to pay. I take my credit very seriously and have not missed a payment the entire time I've had my loan with XXXX/XXXX XXXX, but was confused as to whom to pay for what month. I immediately paid when I discovered the issue. XXXX XXXX was paid for both XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC (TX)

Debt collector is trying to collect {$4800.00} in fees for an apartment I had rented. The apartment ended up being roach infested in covered in XXXX. I gave management several chances to correct the issues and gave them chances to let me out of my lease and refund my money. They insisted all they would do was take 60 days of rent paid and no fees. So I paid 2 months rent and broke the lease. After they went back on what they said and charged {$4800.00} in fees. Now the credit collector has attached this to mine and my XXXX XXXX XXXX daughters credit reports, ruining our credit. I legally broke the lease due to health hazards and even paid what the property was asking, even though legally I didn't have to. I should not be lied to and charged fees, I've already lost thousands because of the property.
Consumer complaint received 2018-06-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (IL)

we get calls randomly from Harris and Harris saying they are a debt collection agency and want me to call them at such and such number ... ... ... ..We have no outstanding debt and so I know its a robo call or something. We used to get them a year ago also.
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

HSBC Bank knew I had problems with XXXX  XXXX and had a XXXX XXXX. They were suppose help me to make sure I did not get L/C and fees during XXXX and XXXX However on XX/XX/XXXX they charged me {$28.00} for being late with my credit card payment. I even called them numerous times in XXXX and they advised I would not get charged a late fee. This was for Card number XXXX. The card had since been replaced because of fraudulent charges. I had advised I had no income to pay the full balance of {$2000.00}. Nonetheless they still charged me {$28.00}. Moreover they also charge me a finance charge of {$1.00}
Consumer complaint received 2022-03-31
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: Experian Information Solutions Inc. (NV)

The credit bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
they did not do this Also, they have violated my rights even more In accordance with the Fair Credit reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, and date last reported is not accurate. Payment history is also showing inaccurate reporting on all 3 credit Bureaus. This grounds for Removal They Also Violated the law because according to 15 U.S.C 1681 Section 602 A. States I Have the Right To privacy! 5 U.S.C 1681 Section 604 A Section : States a Consumer reporting Agency Can not a account without my written instructions I did not grant anybody written instructions
Consumer complaint received 2021-07-08
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: EQUIFAX, INC. (NV)

I sent a FTC report to equifax and XXXX regarding fraudulent items on my credit report. 
To this day over 20 days later I have not received a response yet about my dispute. I feel like I'm being taken advantage of and being ignored of my dispute. I demand these item to be deleted immediately or I will file for litigation due to the stress you have cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Since XX/XX/XXXX And More reported update With the XXXX XXXX XXXX XXXX I have phoned each incident To FTC and IRS and the 3 credit reporting bureaus All police reports copies of Wrong placed bills in my name All my properties were stolen XX/XX/XXXX And still in court trying to get corrected It is affecting my right to purchase a home Effecting my work employability And effecting my name- incorrectly Fraudulent use of my name Bank Accts etc .... 
Fraud and crime noted thru Police depts and state officials ( I also have a Bankruptcy which should have been cleared and removed XX/XX/XXXX And should no longer be visible thru my credit report Sta. U.
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

My wife and I have a joint Chase Sapphire Credit Card. Chase permits me to have online visibility to the balance and transactions on the card via online banking. I asked that Chase also permit my wife to see the balance and transactions on the card, since she is a joint account holder. Chase says that their systems permit only one person to have access to the balance and transactional data via their online banking system. 

My wife and I also have joint XXXX brokerage accounts with XXXX for our XXXX children. XXXX permits me to have online visibility to the balance and transactions on the account via their online system. I called today to ask that XXXX provide access to the balance and transaction information to my wife through their online XXXX account system. XXXX says that their systems permit only one person to have access to balance and transactional data via their online XXXX account systems. 

My wife and I believe that both of us should be knowledgeable and have visibility into the family finances. I think that it is crazy that joint account holders can not have online access via their own credentials into the accounts.