davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-07
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. (LA)

All my student loans are discharged ( forgiven ) by the Dept of Education as Im a XXXX   veteran ; however, no one will listen to me or honor the discharge confirmation official letter I received from the governments XXXX  servicer, XXXX, stating the same. 

None of the CR agencies are honoring it and theyre all telling me that my disputes are unfounded and the student loan statuses will remain the same as before. 

This is a broken system!
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MA)

We pay XXXX for our mortgage thru an electronic transfer of funds from XXXX XXXX every month for the last XXXX  years. Our last XXXX payments to XXXX are not being credited to our account. XXXX XXXX  has been wonderful and sent them all the information they have asked for in order to correctly apply the funds. They have provided the account #, the confirmation #, the trace number, date of receipt, and amount of the payments. 

I have spoken to a representative from XXXX XXXX times per week for the last XXXX weeks. During this time, they have repeatedly have told me someone would contact me back once the information was researched. I have never received a call back. I have summited XXXX different forms to " payment research '' with the information requested and every time when I call to check on the process I'm told there is not enough information to continue. 

I have done a joint call with XXXX Bank and XXXX without any resolution. 

Every time I call XXXX I spend a minimum of XXXX on hold no matter the time of the day. This last call I spent over an hour and a half on hold with out resolution.
Consumer complaint received 2019-11-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CO)

In XXXX of this year ( 2019 ) we applied for a personal loan for {$6000.00} through OneMain Financial in XXXX Colorado. They sent a pre-approval email to my husband and I and then stated that I didn't qualify for the loan. I have yet to receive an adverse action for the attempted loan. They then stated that they had to get the title for the vehicle that was used as collateral for the loan so they could sign the title off to my husband and remove me from the loan. The title took a long time to get in and didn't receive the title till XX/XX/XXXX. We went in, signed the title over to my husband and waited for another answer. They told us that the loan had to be sent to the corporate office for the finishing documents and that it would be ready on XX/XX/XXXX. We never received a call and continued to call and inquire about the loan. Each day we called, we were told that the loan officer and the supervisor were busy and would call us back. When they did call us back ( after a few days each week of pestering them for an answer ), we were told that we were waiting for the corporate office. We finally got a hold of them, again, on XX/XX/XXXX and they told us that my husband did not qualify for the loan. When asked why, they told him that they could not give him that answer and he would get an adverse action in the mail.
Consumer complaint received 2017-07-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

My name is XXXX XXXX and i am filing this complaint against Experian XXXX and XXXX credit report agencies who failed to investigate a late payment that was reported by XXXX XXXX in XXXX, with the account # XXXX under the FCRA experian is required to verify all information received from creditor before that information is added to a consumer file. but experian failed to do so on my case since XXXX and never sent me in writing a prove of that late payment from XXXX and still continue to list that false late payment. this morning i check online on my credit report and i saw that same late payment listed, i already sent them a letter in the begining of XXXX to remove this information by certify mail but experian refused to remove it. i called and requested to speak to a manager and got hung up several time ehrn i said i will file a complaint against them with CFPB. Experian is using deceitful manner to run their business XXXX and XXXX did removed it after their received my letter. i called them to make sure it was deleted from my credit report and it was confirm by their representatives that it was done. at my biggest surprised they listed again because i told experian that representatives that XXXX  and XXXX removed that false information why they do not want to do the same. they are horrible companies that need to be closed down
Consumer complaint received 2019-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I REVIEWED MY MOST RECENT CREDIT REPORTS AND THERE SHOWING INCORRECT INFORMATION. I HAVE WRITTEN AND SPOKING WITH THE CREDITORS REGARDING THIS ISSUE WITH NO RESULTS. THE FOLLOWING INFORMATION IS INCORRECT XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The following inquires XXXX XXXX, XXXX XXXX.
Consumer complaint received 2019-11-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MO)

This bill can not be placed into collections. You are attempting to collect a debt that is not owed. I am a veteran and received outside care outside the VA hospital. 100 % of the cost incurred was to be paid for. XXXX XXXX  has paperwork from the VA that reflects this and they have spoke with a claims representative who confirmed that my cost would be paid for and that they never submitted a bill. XXXX XXXX needs to follow the VA process in order to get paid. This is not my debt.
Consumer complaint received 2019-11-07
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. (LA)

All my student loans are discharged ( forgiven ) by the Dept of Education as Im a XXXX  veteran ; however, no one will listen to me or honor the discharge confirmation official letter I received from the governments XXXX  servicer, XXXX, stating the same. 

None of the CR agencies are honoring it and theyre all telling me that my disputes are unfounded and the student loan statuses will remain the same as before. 

This is a broken system!
Consumer complaint received 2019-11-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I am having EXTREME difficulty with Nationstar/Mr. Cooper. I have had nothing but issues with the servicing of my loan since inception in XXXX. 

The most recent have gone unresolved : 1. On XX/XX/XXXX I called to see how much the balance was on my loan. Later that day I sent in a payment of {$190000.00} via certified mail. This payment was received and signed for by an employee of Mr Cooper on XX/XX/XXXX at XXXX am. 

I have called on several occasions and Mr Cooper is refusing to apply the funds to my account. I am not going into foreclosure nor have I ever been late for any payments. My account is actually paid ahead until XX/XX/XXXX. This company is a nightmare. 


They also have misapplied funds to by paying two separate insurance companies XXXX and XXXX. I have yet to receive a response back to this issue. I feel like they are stealing money from me. PLEASE HELP!
Consumer complaint received 2017-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (DE)

XXXX XXXX, XXXX, Georgia has recently changed the functionality of the website used for the TJ Maxx Rewards Visa Credit Card. This morning I went online to pay my bill and discovered that the redesign of the site has made it exceedingly difficult to pay the statement balance that is currently due. 

Instead of displaying the statement balance ; the minimum payment due ; the current balance ; and the available balance, the prominent information consists only of the the last three items ( plus available cash advance value ). The consumer should be able to easily discern, as it was up until now, what the actual statement balance due is, and not be misled into paying more than is technically due on the due date. 

Although XXXX XXXX XXXX design team may believe they improved the user experience by using bigger fonts and adding more negative space to the screen, they have in reality made important information less visible and retrievable only through the use of added clicks which are not so apparent to the average user. 

They need to use more average consumer focus groups when redesigning the tools on the website. I fear the average user will unnecessarily pay more than the balance due amount on the statement because the site now esentially buries that amount. Thank goodness I still get paper statements because even viewing the most recent paper statement was challenging.
Consumer complaint received 2024-03-29
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (MA)

Purchased 5 Vanilla gift cards in XXXX of 2023. Went to use 2 of them, one for {$100.00} and another for {$200.00}. Both cards had a XXXX balance, and using their company website found they had been hacked and used at a XXXX in California. Attempted to go thru their non US based customer service on 4 different occasions and told that I would be contacted by someone and replacement cards were on there way. Have yet to receive any cards.
Consumer complaint received 2019-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (LA)

On XX/XX/2019 I mailed a letter requesting validation which is my legal right according to Fair Debt Collection Practices Act. It has been over thirty days and I have yet to receive an response from the company in regards to Account # XXXX XXXX XXXX # XXXX. The company responded to XXXX  but now to myself as the consumer. This company is not in compliance with The right to dispute the debt and receive validation are part of the consumer 's rights under the United States Federal Fair Debt Collection Practices Act ( FDCPA ) and are set out in 809 of that act, which has been codified in Title 15, Section 1692-1692p of the United States Code. I asked the company to please validate by providing the following. Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent I this company can not respond I will nee this information forwarded to the Attorney Generals office. CC : FTC
Consumer complaint received 2017-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

Applied to XXXX for a credit card so I could trans act business on internet finally was promised a XXXX dollar sign up gift was denied because my bank chase bank is a backer of XXXX XXXX chase has been lowering my credit limit each payment I make so as to keep my account in a maxed out position and chase caused me not to fairly get a XXXX card so that can do commerce on the net I pay my bills even when they raised it to XXXX dollars a month and I have a 100 % payment rate XXXX and chase has conspired to dishonestly and illegally deprive me of credit when I have met all the criterion of a solid credit partner I was originally a XXXX XXXX member then was handed off to XXXX XXXX then a antitrust sent me to chase, this account has been the primary account of my entire life, I have not failed to conduct myself and my banking responsibility I am a Veteran of the XXXX and I think these institutions giving me a steady aggressive hit on my credit report is deplorable as well as a hard credit inquirey I have a home that is worth thousands of dollars and I own many expensive things how is it that I get all this grief for a lousy XXXX dollar credit line that diminishes every month, somebody at chase and XXXX is treating me poorly with zero justifiable cause please help me stop their dishonest business practices against me if you can help anyone it should be me
Consumer complaint received 2021-02-24
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. (WI)

I paid this account back in 2015. It was suppose to be a pay for deletion account off my credit report. Since then, I have disputed and wrote letters to have it removed. The account was paid in full and it still remains on my credit report. Please remove from my credit report
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 — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I thought this was resolved over a year ago. I am in the middle of trying to obtain a mortgage loan for a new house finding out that it was not. I have a letter from XXXX XXXX stating that they added some note to the credit report to advise that I was in a loan modification and was NEVER late and was Never 120 days behind. But the credit report still shows 120 + days late. I was told on numerous occasions that this was to be corrected, but it has not.

I call into their customer service line and wait for them to fill out another form and they will contact me when it gets thru their investigation yet again. I have sent copies of the payments I have the 1st complaint letter in your file that says that they have called me ( no ). I need this corrected asap and no I don't have another 30 days. I have included the letter that was sent to me again the other day.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

As a knowledgeable consumer, I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to formally dispute the handling and reporting of Account # XXXX  XXXX linked to my credit file. 

Upon checking my credit report, I noticed the account mentioned above was marked as closed in XX/XX/XXXX. However, even after receiving confirmation of its deletion on XX/XX/XXXX, I found it was still reported on my credit file beyond the statutory period for such reporting. This overstep violates the timelines outlined by 15 USC 1681c-2. 

This delay and misreporting not only breach the FCRA but also infringe my rights under 15 USC 6802. The account, once closed, should not have been reported or misrepresented in any subsequent credit reporting. This mistake suggests a procedural error causing significant mental and financial distress. 

Moreover, the ongoing reporting of this account infringes my rights under 15 USC 1611. As per 15 USC 1692g ( c ) ( 2 ), I can seek monetary relief for each violation of these laws. It's important to note that such credit reporting inaccuracies can deeply and permanently affect a person 's creditworthiness and financial stability. 

I request compensation for the distress and potential financial impact these violations have caused. According to the FDCPA and FCRA, I can claim statutory damages of up to {$1000.00} per violation, plus any actual damages suffered. 

Please note that if these issues are not promptly resolved, I may be forced to take further legal action to protect my rights and seek all remedies available under the law.
Consumer complaint received 2022-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

Since XX/XX/2002 I have been attempting to get a payment made to my XXXX XXXX XXXX card with Cometity Bank. Because of a missed payment ( my fault ) there phone payment, web site, easy payment and payment center send me to or tell me to use the phone in. NO ONE ANSWERS THE PHONE. HAVE SPENT HOURS OVER THE LAST WEEKS TRYING TO GET THROUGH. No one answers phone XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can't even get in to close the account. Good luck getting a hold of them.
Consumer complaint received 2017-09-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (FL)

On XX/XX/XXXX, I called Caine & Weiner and spoke with XXXX. She informed me that if I were to set up an automatic payment arrangement, I would avoid the account being reported to the credit bureaus. I set up an arrangement that day-confirmation number : XXXX. They collected money via my checking account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; with that last payment being XX/XX/XXXX. 

On XX/XX/XXXX I received a credit monitoring alert that Caine & Weiner had reported my account to the credit bureaus. This had a very negative impact on my score and was the very effect I was trying to and told would be avoided with the automatic payments. 

On XX/XX/XXXX I called Caine & Weiner and spoke with XXXX. He informed me that XXXX did not place the hold on my account that would prevent it from reporting negatively. He stated that it was an error on Caine & Weiner 's behalf and that he would speak with a supervisor to delete the file from my credit report. 

As of XX/XX/XXXX it is still being reported as negative. I have not received any communication from Caine & Weiner regarding this.
Consumer complaint received 2020-11-30
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. (LA)

On XX/XX/2020 I sent a dispute letter for those accounts that I found unknown and inaccurate on my credit report it was almost 30 Days today but I haven't received any response. I was a victim of XXXX  Data Breach. I demand to Remove ASAP those accounts or I will file a litigation.
Consumer complaint received 2019-02-21
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 — Was not notified of investigation status or results
Company: NCC Business Services, Inc. (GA)

I have mailed and called both the credit bureau and these two collection collection agency 's who refuse to now respond to my mail, calls and request for removal of false collection accounts. I have disputed these accounts and they both did not return verification of account to me by mail within 30-45 days as requested and by law the accounts were to be removed but did not. I now request full compensation for their lack of professionalism and me now being denied credit. 

Account 1 listed on XXXX Credit report Debt collector Name XXXX XXXX XXXX Account # XXXX Creditor Name XXXX  XXXX Stated open date XX/XX/2017 Amount stated {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Account 2 Listed on XXXX  Credit report Opened XX/XX/2017 Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX NCC Business Services
Consumer complaint received 2017-10-27
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: FIFTH THIRD FINANCIAL CORPORATION (MA)

I am a victim of negative inquiries. I have XXXX negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following XXXX to be removed from my credit report please : XXXX XXXX, XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX FIFTH THIRD BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX AUTO FINANCE