davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-02
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: ALLY FINANCIAL INC. (OH)

Ally Financial submitted a late payment on my credit for XX/XX/XXXX. I spoke with them in XXXX regarding set up automatic payment and due date change. It was not processed and I actually contact them and made a payment. I have been trying to get this late payment removed off my credit since XX/XX/XXXX.
Consumer complaint received 2016-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

EQUIFAX continues to accept inaccurate information from XXXX which results in re-aging of the account keeping it on my Credit Reports since 2006. I have disputed it with them over 12 times and even though they acknowledge my facts nothing ever happens. EQUIFAX shows the item has been on my Report 93 months well over the 7 years allowed by the Fair Credit Reporting Act. XXXX is guilty of Fraud. XXXX & XXXX XXXX have removed XXXX from my Credit report.
Consumer complaint received 2015-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I had a XXXX XXXX XXXX XXXX account that was opened in XX/XX/XXXX and paid in full and closed in XXXX XX/XX/XXXX. This account has always been paid on time. I viewed my Trans Union Credit Report and this account has some negative remarks.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 writteninstructions, 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 2017-01-03
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (NY)

I have talked to American Express customer service six times and their Credit Bureau Agency three times and they still have not removed the late payment status affecting my credit score. I have been in a relationship with American Express for eight years ( longer than any boyfriend I 've had! ) I was assured by XXXX in Customer Service three times over the phone that this late payment would be removed from my account. I had set up an auto pay and there must have been a computer glitch because the payment did not go through. This is XXXX payment over eight years, people! It was quickly rectified and my account has been in excellent standing ever since. 

When the late payment status was not removed, I called customer service again, and asked them to review the phone call with XXXX because they said they would n't remove the late payment. They said they would do so and I would get a phone call from a manager within XXXX to ten days. I never got a call from a manager. I called again and informed them of this and they said lackadaisically that they would listen to the recording " when they got around to it. '' It has been over four months that I 've been trying to get this resolved. 

When I talked to XXXX, he even three way called with their Credit Bureau Agency, so we were all on the same page. Please ask American Express to review this because they told me they would and they have not done so. I expected greater customer service from a prestigious company such as American Express.
Consumer complaint received 2016-09-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANKUNITED, NATIONAL ASSOCIATION (FL)

We submitted a loan modification on behalf of our client on XXXX/XXXX/XXXX. On XXXX XXXX, XXXX we received a letter from Bank United stating that they were unable to offer the borrower another modification because his loan was previously modified. Originally when the borrower first submitted his modification in XX/XX/XXXX Bank United advised the borrower that he did not make enough income and that he needed to make more so the borrower was able to get more hours at work to satisfy this request and now the bank advised that a modification is not even an option. Bank United modified his loan in XX/XX/XXXX and he was struggling to make those payments but continued to make those payments consistently until he noticed in his paperwork that he had a balloon payment due in 5 years. It is my client 's intention to save his home however, the bank is putting him in a no win situation because even though they modified his mortgage last year they gave him a short term balloon payment making it impossible for him to pay back the full amount. For this reason we are seeking assistance with a new modification that would amortize rather provide a balloon payment.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In accordance with the Fair Credit Reporting act # XXXX XXXX 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 15 U.S.C 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,, In accordance with the Fair Credit Reporting act # XXXX XXXX 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 15 U.S.C 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 2022-02-07
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX / XXXX / {$270000.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IN)

Have disputed this account multiple times. XXXX  has deleted it for inaccurate reporting. XXXX  and XXXX  comes back saying account verified. And since that's not what I'm disputing, it tells me they are using EOscar  system and not a full investigation, which is a violation of my rights under FCRA. Screenshots from my report show multiple inaccurate reporting items. Date of last activity, last updated, account type, ect. It's reporting as currently later with XXXX  as if its still open.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CURO Intermediate Holdings (AZ)

I 've been monitoring my credit report and I noticed that things that supposed to be removed or not removed they 're just replaced back on the credit report even though it has been removed remove means taking off just 3 weeks ago things were supposed to be removed off my account and I still see them then I need an accurate credit report I 'm trying to reestablish credit and I need everybody to report accurately so that I can get this cleared up and move on with my life my credit is important to me and I feel like everybody should report and identify XXXX things just not related to me and remove them
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (WA)

I have multiple issues on my Experian Credit report. We have sent 6+ letters asking them to correct issues. They claim that they have verified certain accounts as mine. I have asked for proof of method of verification and who they spoke to 4+ times. This is required under 15 US 1681 6 ( 3 ). The refuse to provide the information claiming my request is frivolous and they will not correct my report. I also have several items not reported and reported incorrectly. As a result I have been denied credit on several occasions
Consumer complaint received 2016-08-06
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (NC)

In the last few days ( XX/XX/XXXX through XX/XX/XXXX ) we have gotten 5 calls from a number identified on the caller id as citibank:XXXX. The caller asks to speak to my father, an elserly gentleman. When pressed as to what the call regards we are told he owes {$500.00}, or the caller hangs up. He owes no such amount nor does he have an account with citibank. I am reporting this because the calls are a nuisance and harassing. We wish to report this phone number as a scam. 
Thank you.
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NM)

EXPERIAN. I DISPUTED BY HAND A DETAILED SUMMARY OF WRONG NEGATIVES ON MY REPORT EXPERIAN ONLY SENT BACK A REPORT NOT INVESTIGATED GIVING EMBEDDED EXCUSES WHY THEY WONT TAKE OFF THIS WRONG INFORMATION. TELLING ME TO BE SPECIFIC. HOW MUCH MORE CAN YOU EXPLAIN BY MARKING ON THEIR PAPER WITH X 'S THIS IS NOT MINE. ADDRESSES INQUIRES, WRONG NEGATIVE ACCOUNTS THAT I MARKED
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2017-02-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC. (NH)

I received a bill from a collection agency ( Wakefield and Associates, in TN. ) stating that I owe a bill from a doctor ( XXXX ) that I have never seen or heard of. I went to the hospital in question ( XXXX, XXXX NH. XXXX ) They have never heard of this doctor and certainly this dr. is not on staff there. In fact there are no doctors notes after checking with their medical records, as well with the the billing dept. They in fact have never had me in collections, and DO NOT USE THE COMPANY Wakefield and Associates for their collections. I have contacted Wakefield and Associates which still insists I owe this money and my credit is in jeopardy. I told them there is no XXXX, at XXXX in XXXX, NH, nor is there any records/notes of me seeing such a provider. I also told them to call the billing dept. at XXXX XXXX 's because I have never been in collections as well as the hospital does not use Wakefield and Assoc. for collections. I am sure this is a scam to collect monies that I do not owe.
Consumer complaint received 2015-06-26
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Kirkland Asset Management LLC (VA)

I received a call from XXXX on Thursday,  XX/XX/2015, around XXXX The representative did not identify their business even after I asked them. The rep stated that they were calling in reference to a claim for an XXXX debt but did not provide me any information concerning this debt. The rep stated that a legal courier would be coming tomorrow, Friday, XX/XX/2015, to deliver certified documents. The rep asked me about doing payment arrangements which I did not do as I had no information concerning this debt.

My mom received a call from XXXX on Thursday, XX/XX/2015 from a rep who left a voicemail message identifying herself as XXXX. She left an ID number on the message.

I looked up this toll free number in Google and found out that it belongs to Kirkland Asset Management.  I would like this business to cease and desist all phone communication with me, family members, friends, and anyone associated with me effective immediately. I believe their communication with me violates the Fair Debt Collection Practices Act. Please investigate this business. 

Thanks
Consumer complaint received 2015-09-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN FIRST FINANCIAL, LTD (NY)

Hi I have an account with Franklin First FinancialIn Late XXXX I Paid two months mortgage payments in advance and I was instructed that to get refunded the additional payment made in error I would have to grant them access to deduct another mortgage payment which in turns means I will be immediately refunded. 
Unfortunately the last response provided from the Mortgage company is that they owe me no funds.
Consumer complaint received 2016-02-02
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (LA)

I have been paying on " XXXX '' for several years, since I had the card. Now that I actually need the service I have been paying for for 4 years, XXXX says Synchrony Bank cancelled the product on my account and also charged me the same day. I DID NOT CANCEL THIS. I feel this is fraudulent business practices on XXXX of XXXX of these businesses.
Consumer complaint received 2022-02-07
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: EQUIFAX, INC. (GA)

I really don't have much to say! I am just extremely frustrated with you all. I have reached out countless of times about the inaccurate item that is being presented on my credit report and I have been ignored. Nevertheless I will seek litigation if this continues. I have provided countless and countless of information proving that the accounts do not belong to me. This item has been destroying me and my family hopes of purchasing our first home. I am a single parent that has been XXXX for years and saving up to provide my family the life I never had! Please remove this inaccurate item or I will seek litigation for each violation immediately!
Consumer complaint received 2020-11-26
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. (IL)

I have on several occasions sent certified letters in XX/XX/2020 til this day XX/XX/2020 which include my ID and SS card. XXXX  has not removed these inquiries for which i have no account and do not recognized. so i call XX/XX/2020 and their customer service would not help and take care of the negative inquiries reporting to your credit report
Consumer complaint received 2019-02-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MA)

Good Evening. Can you help me understand this? I recently noticed a collection accounts on my credit and I immediately called and make the payment to get the item removed from the credit report. So under duress, I went ahead and paid as agreed anyways> PLease ensure that this is removed from all the 3 major credit bureau. Also, there are multiple errors with the way this account is reporting on the 3 credit bureaus. How is it possible that same account is reporting different information.
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

I have been unsuccessful in removing the inquiries on my credit report along with negative accounts that are not mine, or reporting inaccurately. I have been disputing since the beginning of the year and have contacted the creditors whom state that it is up to the credit reporting agencies to correct as they have not deleted any payment history on any of my accounts, along with updating the information requested. I have been getting the run around from all three bureaus whom have deleted 10 years of positive payment history and have completely rendered my way of living. These inquiries are not permissible purpose inquiries and should be remove there are XXXX in total on all XXXX reports. There is a inquiry release letter enclosed that they are refusing to acknowledge.
Consumer complaint received 2016-08-31
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (AZ)

I received a notice from CMRE Financial Services regarding a medical account on XXXX XXXX XXXX. The notice claims that XXXX XXXX attempted to collect an unpaid balance and has since forwarded the account for collections. This is absolutely false. I made payments arrangements with Phx Childrens and have made monthly payments as I agreed to. The collection agency now is demanding payment in full with interest plus additional charges. This is absolutely unacceptable. I have done what I agreed to with Phx Childrens and this account should NEVER have been to collections. PLUS, the amount stated owed is not accurate. I do not owe that amount. That claim is also false!
Consumer complaint received 2016-03-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (WV)

For approximately 1 month I have been receiving phone calls from a company called Convergent Outsourcing ( www.convergentusa.com ). They tell me they are trying to reach XXXX ( XXXX? ) XXXX. I have told them every time that I do not know XXXX XXXX, and that I have had this phone number for 2 1/2 years. Every time I have received a phone call from this company I have told them to take my number out of their system as it is clearly a wrong number, and every time they have told me that they will comply. However, I am still getting phone calls. The most recent time I requested to be taken out of the system was yesterday ( XXXX/XXXX/16 ). After I told the person on the phone to remove me from the system, I went onto their website and filled out a form to request for them to stop calling me. Apparently neither of those methods worked because they called me again today. I called them back and again told them to remove my number from their system.
Consumer complaint received 2015-09-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

An updated Insurance Policy was submitted to Seterus via fax on XXXX/XXXX/2015, fax confirmation hereto attached. On XXXX/XXXX/2015 XXXX XXXX XXXX Seterus confimred a new policy was not received. On XXXX the insurance policy was refaxed, fax confirmation hereto attached. On XXXX/XXXX/2015 a request for an escrow analysis was made with XXXX XXXX. On XXXX/XXXX/2015 a follow up call was made to Seterus for the status in which we were told it would take 7-10 days. On XXXX/XXXX/2015, we called Seterus spoke to XXXX XXXX XXXX Seterus to follow up on the escrow analysis but would not provide any other identification as confirmation of the call such as her full last name, extension or Agent ID ; who stated an escrow analysis was never ordered and she also advised the conversation XXXX XXXX was with their insurance department XXXX not Seterus so it was not processed since XXXX. She stated the turn around will take another 7-10 days. Seterus ' stall tactics of not performing a proper escrow analysis since XXXX XXXX 2015 for over 2 months is putting the borrower at risk of defaulting.
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

On XX/XX/XXXX I got a New car from the Nissan dealership. I had a lease that I turned in at the same time ( did a trade in ). Everything went well and I made my payments like usual. On XX/XX/XXXX I noticed that my credit score went down abruptly, when I Investigated I noticed that I had a late payment with Nissan-XXXX LT which I have financed my cars for the last 6 years. I inquire with them and they explained that the payment was misapplied to the old lease and not to the new one. My credit score went up and I let matters alone. Now XX/XX/XXXX I am trying to re-finance my property and I am unable to do so since a late payment is showing on my credit report. I should not be hit for a mistake I did not commit, I have made all my payments on time and this should not be my responsibility.
Consumer complaint received 2016-03-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (TX)

In 2012 was seen at The XXXX XXXX XXXX XXXX. They took my insurance. I am XXXX insured. They filed my primary insurance and did not file my supplement insurance which also covers any deductible. I wrote them letters and tried calling and they refused to answer. They sold the balance of my account for {$55.00} to a collection agency - CMRE Finance, XXXX XXXX XXXX, XXXX, CA XXXX. When contacted I asked for a copy of the charges. Never received from either agency. They acknowledged the XXXX billed my supplement company, but because it was over a year they would not pay. CMRE Finance filed with the credit bureau 's even though erroneous billing had occurred.