davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-04
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. (TX)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-29
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX {$14000.00} also XXXX XXXX XXXX {$18000.00} also XXXX XXXX XXXX {$16000.00}, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-08-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Revenue Recovery Corporation (TN)

My father was contacted by a debt collector ( Revenue Recovery Corporation ) by phone last week claiming that I owed money to a hospital for my son in an amount under {$100.00}. My father was mailed a letter and he forwarded it to me. There are several issues : Upon receiving the letter, I had to dig through records from XX/XX/XXXX to find an EOB with the amount. I have an XXXX debit card, so all my payments are tracked. I could not find a transaction with that amount. That means that I was never sent a bill in the past year. I was also never contacted by the hospital or debt collector by phone, e-mail, or mail. The letter also states that " Pursuant to your telephone conversation with our representative, you promised to pay $ XXXX on or before XX/XX/XXXX ... .If we are not in receipt of your payment on or before the due date or have not heard from you why, we will proceed with further collection activity. '' So, the hospital has not billed me, but they sent me to a debt collector. The debt collector never contacted me, but spoke with my father who lives in a different state and the debt collector claims that I agreed to pay a certain amount by a certain date.The letter also only has my name, not the name of my son -- who it is supposedly for. There is also no account number for me to reference ( either for the debt collector or the hospital ). They also have given me 4 days to pay before destroying my excellent credit which has no late payments or public records of any kind.
Consumer complaint received 2023-03-22
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: Affirm Holdings, Inc (UT)

I have items on my credit that should either not be there or updated. I have submitted multiple disputes with proof to have these updated and removed but they continue to tell me they will not update it. They make it very difficult to submit supporting documents and on occasion has not allowed me to include these. I have also been notified im no longer allowed to dispute certain items off my credit as they are " duplicates ''. Which is true however of they actually did an investigation they would see where the company and experian is wrong in keeping the debt on my credit.

Affirm- when an account is paid at a 0 balance you should be updating this. I have had 3 accounts that you have done this to and are refusing to update credit reports when the consumers pay them off. This is wrong. If you can report monthly if you received a payment or not you can report when an accout is paid off.
Consumer complaint received 2015-08-24
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (PA)

I took out a XXXX interest credit card through Wells Fargo to purchase an engagement ring for my fiance in XXXX. I paid off the ring and had a zero balance as of XXXX XXXX. I also purchased our wedding bands with this Wells Fargo credit card in XXXX XXXX. I never once missed a payment and over paid the minimum payment every time. As of XXXX XXXX my balance was {$630.00} when I received a bill of {$1300.00}, with a charge of {$720.00} in interest charges. I immediately tried to contact Wells Fargo and when I called the XXXX time was placed on hold for over an hour and then transferred to a woman who would not help me. I tried to call back XXXX more times to get in touch with someone who could help me to sort this out. Finally I went to the Wells Fargo branch on XXXX in XXXX, PA and I was told they have nothing to do with credit card services. The next day I went into the Wells Fargo branch on XXXX and XXXX and again no one could help. I tried to explain both over the phone and in person I could and would pay the balance of {$630.00} off immediately. I had no idea they could or would be able to charge me more in interest than my remaining balance on the credit card. I never received a notice that I was going to be charged interest, if I had been notified I would have immediately paid the balance. After numerous attempts to contact Wells Fargo with no success I had no choice but remit total payment of {$1300.00} ( cc remaining balance - {$630.00} + interest- {$720.00} ). I still can not believe a credit card company could charge more in interest than your balance and not notify you that you are going to be charged. If I had known I would have paid the remaining balance off immediately. It was very frustrating that I could not contact anyone at Wells Fargo to dispute these charges. Again I never missed a payment and overpaid every month. I think Wells Fargo has taken advantage of me and forced me into a {$720.00} interest payment without warning me this was a possibility or that the XXXX interest terms would be ending.
Consumer complaint received 2015-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

OCWEN Loan Servicing company has failed to process sevral items such as receiving hazard insurance documents, processing payments even after confirming that ACH program was set up, and errors shown on escrow account. Customer service was unable to assist with problem after spending hours on the phone. There has not been a single thing that has not had an issue.
Consumer complaint received 2020-09-10
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. (VA)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2016-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (NC)

A leasing agent that I am attempting to use states that there is an outstanding balance showing due through XXXX for an Apartment complex. I have attempted to contact XXXX but no one seems to know what I am speaking of. Apparently the debt is being reported to XXXX but everyone I have spoken to does not know what I am referring to. This is technically not my credit report but it is affecting my ability to rent and I have not way to view the report so I am unable to dispute the charge.
Consumer complaint received 2015-10-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (VA)

I am submitting a complaint against Ocwen for failing to fulfill their commitment to proceed with the short sale of my primary residence. 

I am requesting a short sale of my primary residence. I have XXXX mortgages. The XXXX position mortgage is with XXXX and the XXXX position mortgage is with Ocwen. My representatives for the Short Sale are XXXX XXXX and XXXX XXXX with XXXX XXXX. 

My representatives contacted Ocwen on my behalf to request a short sale. Ocwen initially denied my short sale request. However, after further negotiations, Ocwen verbally indicated they would honor a short sale should we obtain HAFA approval with CitiMortgage. We have since secured HAFA approval with CitiMortgage. However, Ocwen is now denying the short sale.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Attached is a letter including several unrecognized inquiries, that I complained and requested removal to both the Credit Agency and the Companies. 
They accepted removal and the Credit Agency after weeks is not removing them from my Credit file causing financial damage.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Shellpoint Partners, LLC (NY)

XX/XX/24 XXXX XXXX from Shellpoint said that Im not authorized to speak with Shellpoint about the mortgage. However. The firm claims that I am on mortgage and sent paperwork in the mail stating that I was authorized to speak about this mortgage. Its impacted my credit score negatively and I am not on the note. Shellpoint is attempting to foreclose on my property.
Consumer complaint received 2023-03-22
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. (CA)

I believe Account : XXXX has violated my rights. I have attached the proof. Everything that is inaccurate is highlighted. 

They stated that they had done a proper investigation, but how is that possible if the reporting dates are still inaccurate, the balance amounts are inaccurate, payment amounts are inaccurate and the payment history is inaccurate? 

I believe this is grounds for removal for not properly doing an investigation. I do understand the law, and I am aware that my rights were violated under 15 U.S.C 1681 Section 604 A Section 2.
Consumer complaint received 2020-10-31
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: EQUIFAX, INC. (MD)

CFPB ID XXXX RE : XXXX and XXXX These numbers were listed on my Equifax report. I was unable to access the information on my credit report or file. I demand access to this investigation report. I submitted dispute letters on XX/XX/2020 demanding a validation of the alleged debt from Equifax in pursuant 15 USC 1692g. I demand the original copies of the signed credit application from the initial creditor, the exact amount of the alleged debt, a clear and concise explanation of how Equifax calculated what you say is owed, copies of all or any documents that prove that I agreed to pay what you say is owed. cashed checks used for bill payments, and identification of the creditor including the accurate contact information. In pursuant of 15 USC 1692g ( 4 ) I am demanding verification of the debt and copy of such verification to be mailed to the consumer. I am demanding verification of all relevant information and any documents your agency retrieve from the creditor. I demand a copy of your investigation report that was placed in my credit report and credit file in pursuant of 15 US1681d. Disclosure on request of nature and scope of investigation make a complete and accurate disclosure of the nature and scope of the investigation requested. If you fail to properly verify the enclosed requested documents and this alleged debt continues to be furnished on my credit report and credit file. I shall not hesitate to sue you for damages under the Fair Credit Report Act. Unverifiable information must be removed immediately. Also, Equifax, your consumer report agency or bureau decreased my credit score by 70 points as a form of intimidation upon me filing a dispute. No credit bureau or consumer reporting agency shall use any false, deceptive or misleading representation or means in connection with any debt. Consumer reporting agencies such as Equifax, XXXX, XXXX  shall refrain from abuse of powers and threating a consumer credit score. Consumer reporting agencies or bureaus shall refrain from acting aggressively to report information to a consumer 's report and file due a fee and mutual agreement with the creditor. Consumer reporting agencies has cause someone like myself to lose out on an opportunity to purchase a new home due to the fraudulently and criminally acts.
Consumer complaint received 2015-07-29
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NC)

Have had a Citibank credit card and mortgage for years. Have never been late on either. I changed bill pay providers, causing a late credit card payment by one day. I asked if the late fee could be waived. I was rudely told no, appealing XXXX. Was {$35.00} really worth losing a customer with this much business?
Consumer complaint received 2020-09-10
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. (VA)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2018-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

On XX/XX/2018, I paid my minimum balance of {$90.00} on my credit card. At that time, I had a live chat with a representative of that company, I also have a promotional balance of {$920.00} on this account. It is due to expire on XX/XX/2018. I asked if I could pay {$300.00} on that balance, he said yes I could, but then he sent me a message saying they couldnt guarantee that it would be applied correctly. I was appalled by this response. I told him I would not pay online, but that I would pay by mail with a letter attached. Please see following copy of letter : XX/XX/2018 My Best Buy Visa Card XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX : XXXX XXXX XXXX Credit Card No. XXXX XXXX XXXX XXXX PROMOTIONAL BALANCE OF {$920.00} To whom it may concern, Please find enclosed my check number XXXX in the amount of {$300.00}. This {$300.00} is to be applied to the promotional balance of {$920.00} ONLY. 
These funds are in no way to be applied to any other balance, but the promotional balance. 

Again, Check # XXXX in the amount of {$300.00} is to be applied to the promotional balance of {$920.00} ONLY. These funds are not to be applied to any other balance under this credit card number. 
If these funds are applied to the incorrect balance, I will take the matter up with the proper authorities. 

Sincerely, XXXX XXXX XXXX XXXX also made that notation on my check. I repeated this request no less than 3 times in the letter and it is noted on my check twice. They have cashed my check, and nothing was applied to the promotional balance. I feel as if this a scam and that they are trying their best to make me pay interest on a balance that was to be interest free. I sent them another message today and the only response I have received is that they are reviewing. I can not believe that they havent applied this check in the correct manner. Is there anything you can do to assist me? I have a couple of additional payments that need to be applied and I really do not want to have to do this each time I make a payment.
Consumer complaint received 2015-05-12
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (WA)

In regard to my AT & T Universal XXXX Card, I have been denied " calling benefits '' as of XXXX XXXX, 2015. After contacting the company by letter ( regular mail ), by phone conversation, and by XXXX e-mails ( via the company 's secure message service ), I was finally informed in response to the last e-mail that my " calling benefits '' had been discontinued. At XXXX, I took this to mean that the entire " calling benefits '' program had been discontinued. But, apparently that is not the case. A XXXX/XXXX/2015 visit to their website, under " your card 's key features '', show 2 items : 1. Citi Easy Deals ( points ) and 2. " extend the conversation with your calling benefits. Enjoy up to XXXX free phone minutes and XXXX Directory Assistance inquiries- free each month* ''. The * references fine print. So, I 'm thinking my particular calling benefits have been discontinued for some reason buried in the fine print or this is a case of false advertising. Not being an expert in either fine print or false advertising, I need a clear explanation of what is going on.
Consumer complaint received 2016-08-11
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Cohn, Goldberg & Deutsch,LLC (MD)

XXXX XXXX XXXX illegally collected and held protected SSI Funds, with out performing proper account review. Took advantage of a venerable XXXX person by not releasing the funds, and would not provide any documents pertaining to her frozen account. Would not release funds until I advocated for my mother, showing this act violated ( 31 CFR 212.2 ), ( 31 CFR 212.4 ), ( 31 CFR 212.5 ), ( 31 CFR 212.6 ) and ( 31 CFR 212.7 )
Consumer complaint received 2023-03-22
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. (SC)

In accordance with the FCRA, this creditor has violated my rights. Under 15 U.S.C. 1681. Sec. 602 states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( a ) sec. 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-29
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2021 I hired a company XXXX XXXX  to move my stuff. However, they did a poor job, some of my important belongings were left behind. I had to ask my friend to assist. Even myself had to carry few things along with my minor. I disputed the transaction with capital one bank. I have been with this bank for many years they ruled against me. Although I provided a detail information over the phone and in writing per their request. Bank should be on my side. I hired the company for 3 hours they only worked for 1 hour and 45 minutes.
Consumer complaint received 2020-09-10
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: EQUIFAX, INC. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlanticus Services Corporation (CT)

I received a loan through Fortiva for XXXX XXXX XXXX in XXXX. Changed addresses in XXXX and never paid off original loan to Fortiva. Owed balance of XXXX. Never received any communication of this debt. Called Fortiva recently, back in XX/XX/XXXX when I noticed them as charged off as bad debt on my credit report. They informed me that they no longer owned the debt and that it had been sent back to XXXX XXXX XXXX the company that performed the XXXX. I contacted vision group holdings and was told I could settle the debt with debt collection agency XXXX XXXX XXXX XXXX. Called XXXX XXXX and settled debt amount for XXXX dollars on XX/XX/XXXX. XXXX XXXX representative also stated over the phone that they had the wrong address on file and that was the reason I never received any communication about this debt. On XX/XX/XXXX I received an email from Fortiva stating that my debt had now been sold off to another debt collection agency called XXXX XXXX XXXX. I advised Fortiva that I had paid the debt collection agency they originally advised me to contact and that they could not sell my debt off as they had stated originally that they were no longer in charge of that debt. They advised I call XXXX XXXX  which I did and I submitted proof of settlement I had received from XXXX XXXX. XXXX representative said this Was fine and that they would reach out to Fortiva to notify them the debt had been settled. It has now been months and they refuse to report the settled debt to credit bureaus. My credit score even dropped 45 points when they resold the debt to XXXX XXXX. Every time I call Fortiva the representative attempts to get me off the line by giving me the phone number to XXXX XXXX XXXX or XXXX XXXX and they refuse to acknowledge the debt settlement. I call XXXX XXXX XXXX and no one answers the phone. I believe they filed for bankruptcy and may have gone out of business.