davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-24
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. (CA)

i recently found out when i paid for my credit report, that i was a victim of fraud i went to the police station filed a report also filed a idenity report and sent it to EXPERIAN XXXX AND XXXX only XXXX fixed the issues experian and equifax refuse to fix these fraud accounts on my credit report i demand that cfpb stops in and takes control and help fixes these fraud accounts. thank you i have all documents that i have sent them that i will upload.
Consumer complaint received 2021-05-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: eToro USA LLC (CA)

I referred a user with the username XXXX on XX/XX/2021. I was unable to qualify for the referral reward because Etoro blocked my ability to add funds to my account during this time period. In order to receive a referral reward, both the referrer and referee must complete a trade in their account of at least {$100.00}. Since I did not have the ability to add funds to my account during this time period, I was unable to complete the trade requirement. I contacted Etoro to restore my ability to add funds to my account, but they only agreed to do this after the 30 day period that you have to make the trade after your friend joins Etoro.
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

Comenity is the credit card company for XXXX XXXX. They are deceptive and I believe criminal in their actions.. We ordered some furniture from XXXX XXXX in XXXX of XXXX and then when they were unable to deliver it for some time we cancelled the order. I must add we had paperless Comenity Statements. In XXXX they sent us a notice of late payment. So in late XX/XX/XXXX I immediately called the credit card company after receiving the late notice and they were great. I explained the situation and they called XXXX XXXX and then they credited the purchase of {$1200.00} along with ALL the interest and late fees. This left a balance of Then when I looked at the XXXX statement I had an interest charge of {$32.00} on a balance of {$170.00} and a purchase of {$47.00} I later saw that they added {$32.00} interest charge. I was extremely busy so I sent them {$300.00} knowing I would deal with this issue when I had time. Finally in XXXX I spent some time to call them and explain the situation and that there was no way there should be a {$32.00} charge in interest on a {$220.00} balance for one month. They said they would put in a dispute and get back to me. Today I called them and was on the phone for over an hour speaking to one employee and then her supervisor. Speaking to the employee today she claims that the interest rate is 28.99 % EVERY MONTH! I told her she was incorrect and that would be illegal. She stood by that ridiculous statement. I asked to be transferred to her supervisor, which I was. He explained to me they were charging me interest on the revolving balance on the returned items because the return credit was not posted until late in XXXX. My point is that they admitted the charge and interest was not valid and that is why it was ALL refunded XX/XX/XXXX, interest, late fee and purchase price. They did that and then charged the interest the next month AFTER the money was refunded because I had a balance of {$220.00} for one month which triggered the revolving balance interest. Remember the first person told me 28.99 % of XXXX when you remove the {$32.00} interest charge. Poor math for someone working for a bank. However, here 's the real kicker, the supervisor said, " you already paid it so there is nothing we can do '' I did explain that I had been busy and I paid it to buy me some time to get to a point where I had time to deal with trying to recoup my lousy XXXX dollars. IT'S CRIMINAL. They should train their people better and they should take better care of their customers. So for {$32.00} dollars I will spend any free time I have and find forums to post my experience. I hope it was worth it for them and I hope you all take notice and boycott Comenity and XXXX XXXX for their association with Comenity. Please also notice complaints flow in almost daily about them. I have a number of cards and never have issues with anyone else. Please avoid them.
Consumer complaint received 2021-02-04
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: Nelnet, Inc. (FL)

DEPTEDNELNET **** Opened Date XX/XX/2012 Balance {$1600.00} DEPTEDNELNET **** Opened Date XX/XX/2012 Balance {$2000.00} As a consumer, I now have rights that are provided to me to guard me through misinformation being disclosed on this credit report. At this moment I would like to have a previous inquiry for examination before I seek the advice of my attorney for tips on how to deal with inaccurate and unverifiable items that are ongoing to be shown as legitimate. Please don't hesitate to present me along with a copy of the agreement approved or voice chat where I allowed billing me with this account.
Consumer complaint received 2020-11-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

Greetings, I tried to resolve the problem with the credit bureaus but they don't want to investigate about my case. I have a lot of errors on my credit report that are affecting my credit score and I want to resolve that.
Consumer complaint received 2018-12-07
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. (PA)

On XX/XX/XXXX I submitted a dispute to Experian due to the reporting of a 30 day late payment placed on my credit report by XXXX XXXX XXXX XXXX. According to the contract for the installment loan, the payments for the installment loan was due on XX/XX/2018 and XX/XX/2018, that is what was stated in the signed contract agreement. I made payments according to the signed agreement. According to the contracted agreements and the date of the payments I made, there was no 30 day late payments. XXXX is reporting inaccurate information on my credit report. I disputed the claim with Experian, I even uploaded supporting documentation, and Experian within one day later, stated that there were would be no change to my credit report due to XXXX reported that the information was correct, however ; I provided supporting documentation showing that there is no way I could of been 30 days late according to the contract. I even uploaded my bank statements showing the payment made. Experian did not even bother to investigate into the documents I sent. They are reporting false information on my credit report that is hurting my credit score.
Consumer complaint received 2020-09-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (GA)

ON XX/XX/2020, I noticed a debt for {$10000.00} on my credit report for an auto loan. 

After disputing the debt online due to not being given properly dispute information, or validation info XXXX. 

After the debt was still verified by XXXX and listed again on my credit report the next month, I made initial contact with the creditor on XX/XX/2020 requesting to have the debt validated. I had not received an written contact info about the debtor how to dispute it. 

I did not receive a debt validation rights letter at any point in writing after the initial contact from NCB Management on XX/XX/XXXX or XX/XX/2020. Today is XX/XX/2020. 

The creditor has continued collection efforts during this entire period without properly following the FDCPA guidelines and it has adversely affected my credit recently. After suffering multiple violations of my FDCPA rights, this debt needs to be removed immediately. 

All of our calls and interactions were recorded.
Consumer complaint received 2021-01-29
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. (MN)

There is an old unsecured business loan that is showing up on my credit report. It was to XXXX XXXX XXXX. It was purchased by XXXX XXXX XXXX. The debt was settled with XXXX XXXX by myself in 2019. Now there is another amount for {$9200.00} showing up on my credit supposedly originally owed to XXXX XXXX XXXX. I have disputed this debt numerous time through the credit agencies. I have asked for original documentation of the loan, which they can not provide. No documentation has been forthcoming. I just get back a message that the debt has be validated by XXXX XXXX XXXX. Aren't they required to provide the loan contract to me. They can not, because it doesn't exist. It feels like they are in cahoots with XXXX because XXXX is paying them to report old XXXX debt. 

I have just let the reporting sit out there because obviously they can't collect this debt that is not real. But now it is affecting my ability to get a mortgage.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

THIS IS NOT A DUPLICATE/NEXT STEP IS STATE ATTORNEY THIS IS RIDICULOUS!!!!! I am the one filing this dispute what are you all talking about!!!! 
I have attached the errors On XX/XX/2020 I sent in a dispute to Experian for XXXX acct XXXX informing them that the date of last activity was incorrect. Also informtin them that the comments were different for each credit bureau. They then came back to say that the information was verified, then on XX/XX/2020 asked them how they verified this account without any information provided to me as the consumer they gave no reasoning just updated as verified. I don't understand how 3 credit bureaus that is suppose to reporting the same information from the same creditors are all reporting differently, this is showing pure neglect for a consumer and inaccurracies which they refuse to follow the FCRA guidelines on accurate reporting and continue to be in violation. Then on XX/XX/2020 Experian was sent a dispute letter informing them that they have this collection account for XXXX   XXXX on my reporting showing late payments which a collection account should not show being that a collection account is by default derogatory and something needs to be done about this. Attached is showing my proof of dispute letters sent and proof of the inconsistencies and errors being reported.
Consumer complaint received 2022-04-26
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. (MI)

In accordance With the fair credit reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX 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 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been working on my credit for over 6 months and still have unauthorized and unverifiable information on my credit report. This is a violation of my rights and should be removed immediately.
Consumer complaint received 2021-11-10
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Kikoff Inc. (OK)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

KIKOFF LENDING LLC is currently showing XXXX  days late for the month of XX/XX/2021 in XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2021-02-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

I was a victim of Mortg fraud XXXX and settle with Ocwen/PHH in XXXX I am still in the house and been making payments on time and no record of a 2nd mortage. 

10 years later Ocwen sold my 2nd morth $ XXXX to a Mortgage Company the 2nd was written off in XXXX. Now i have to pay is this legal. Ocwen sold this in error this was part of my mortg fraud i did not take out a 2nd mortg it was part of the fraud. 
Banks received money for this and this is not fair to come back after 10 years Please help me
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 — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Hello. My address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, however, the credit reporting agencies have listed this address on my report. I would like this erroneous address to be removed from my report as soon as possible. Thank you
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DigniFi (MI)

In XXXX of XXXX a fraudulent account/loan was opened with my information through DigniFi ( Account # XXXX ). I discovered the fraudulent loan in XXXX of XXXX. I filed a XXXX report and did all the appropriate steps to get the account removed from my credit report. In XX/XX/XXXX I contacted DigniFi to inquire as to what they needed to get the fraudulent report removed from my credit report. They inform me I needed to mail in the required documents, and gave me the address. A few days later I received a mailed letter from the stating the same information i was told with the same mailing address. I then mailed all the required information plus additional information. XXXX weeks later I called from an update. They said they didn't receive the documents and I needed to mail them to the same address but add " Dispute Resolution '' on the documents. I then mailed the documents again. Another XXXX weeks passed and I called back into Dignifi. They say they still didn't receive the documents and I needed to Fax them in to ( XXXX ) XXXX. I then faxed them in and I have the fax cover sheet at proof. XXXX weeks later ( XX/XX/XXXX ) I called and talked to XXXX XXXX. He informed me they STILL haven't received the document and I needed to email them into Dignifi and he wasn't sure why i was told to mail or fax in the documents. I emailed the documents to the address he provided. I called back on XX/XX/XXXX and talked to XXXX XXXX. She they received the documents and were reviewing the case. The review process would take no more than XXXX weeks and they would call me once the review was complete. XX/XX/XXXX, I called back for an update. XXXX XXXX told me the process was STILL under review but it defiantly would be resolved by the end of the day and the loan was going to be labeled as XXXX  and it was going to be removed from my account. She also said once it was completed, she would give me a call to verify it was removed and that they would submit it to the credit companies to have it removed from my credit reports. I called back on XX/XX/XXXX and talked to XXXX. She told me the credit XXXX  report was approved but they still haven't submitted it to credit bureaus. They would be submitting it at the end of the month and after that it would take 30 days for it to update with the credit bureaus. Every time I call into this company, they give me contradicting information and always give me a time line that always comes and passes with no resolution provided.
Consumer complaint received 2021-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica (TX)

On XX/XX/2021, I logged into my direct express account to see that several 6 unauthorized transactions were made totaling XXXX dollars from Supplemental Social Security benefits for my minor. Direct Express took an hour and a half to get in touch where I was not given any guidance on how to resolve this issue and when I could expect any help in getting my money back. These are federal funds issued to those in need. It is absolutely ridiculous that phishing scams are allowed to happen with cards issued by the government.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PNC Bank N.A. (PA)

I was charged late fees for the month of XXXX and XXXX however the bills for XXXX and XXXX were not sent to me because the address was wrong and when I spoke to the cardholder representative they said yes the bills were returned to them. Therefore I had no bill that I could pay an amount for because I never received a bill. I thought that the reason I wasnt getting bills in the first place was because of the Covid situation possibly and I was just waiting for a bill. When I missed a payment in XXXX they reported it to the credit bureau because they have some sort of policy after 33 days they report to the credit bureau. My issue is I never received a bill to pay. When I did get a response from the Card company I spoke to a representative and pay late fees and outstanding bill of {$50.00} and change immediately. I asked the card company if they could delete the mistake due to the wrong address and they told me it wasnt their department and told me goodbye and have a good day! Im looking to solve the situation because my credit score has lost 50 points or more and Ive never missed a payment on any of my cards for the past 30 some years.
Consumer complaint received 2021-10-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

I was seen at XXXX XXXX ( now owned by XXXX XXXX ) clinic on XX/XX/2019. All I received from the visit was a prescription for an antibiotic, and nothing else was rendered from the service. There were no diagnostic tests, no lab work, no useful medical advice given at my visit. Few weeks later I received a surprise bill of XXXX dollars from XXXX XXXX. I paid the unfair, unjust price of XXXX dollars. Then few weeks later I received another bill from the nurse practitioner for XXXX dollars. Her company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, wrongfully, double billed which is affecting my credit history. I disputed the bill with the provider, and then surprisingly they passed the bill to a debt collector. I disputed the bill with the initial debt collecter and they said they will take care of the bill. Then I received a notification from another debt collector ( present debt collector ) for the same bill. I disputed the bill with the present debt collector but they resorted to placing the bill on my credit report. For the extent of the medical service I received, I have become a victim of fraudulent billing, wrongful charges, double billed and an extreme version of price gouging on a service in which I was not notified of the charges at the time of transaction. The debt collector is ARS Account Resolution service.
Consumer complaint received 2021-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TX)

US Bank Home Mortgage falsely claimed the payment on 2018 property taxes and increased my monthly mortgage payment from {$1300.00} to {$4300.00}. 
The research form by XXXX County Tax office shows that US Bank Home Mortgage did not pay for the above property taxes. 
This error needs to be corrected and my monthly mortgage payment must be recalculated accordingly.
Consumer complaint received 2021-01-29
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: M&T BANK CORPORATION (PA)

I have never missed a payment beyond 30 days. However, M & T calls me when my mortgage is not late, after the XXXX of the month. Also, if I am late for that month payment, ( not over 30 days ) I pay the late fee of {$12.00}. 

I had explained to them that I have been out of work for over 2 years. Because of my finanical situation I need to split my payments during the month. Half at the beginning of the month and other half later in the month. 

I have told them this but I still receive hassling phone calls.
Consumer complaint received 2023-03-09
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. (AL)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.