davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-10
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (MA)

I was reported 30 days late in XX/XX/XXXX for a credit card account with COMENITYCB/XXXX. I submitted a dispute to XXXX on XX/XX/2019. The XXXX update shows me 30 days late in XX/XX/XXXX and XX/XX/XXXX of XXXX. COMENITY is reporting that the monthly payment due in XX/XX/XXXX was {$240.00}, however, the online payment portal showing payment due shows {$140.00}. I raised this issue in XX/XX/2019 with a phone representative, who explained that I was formerly in the Hardship Program paying $ XXXX monthly, yet upon completion of the Hardship Program in XXXX the online portal system had not yet been updated, and that I had missed a payment forfeiting the benefit of the Hardship Program. I was told that if I missed a payment then the full higher payment would be due, calculated to be the higher amount prior to the Hardship Program. HOWEVER, when I called Comenity to complain, the phone representative explained that if the Collection Representative who calls is not an employee within the Hardship Department they will not be able to read the consumers account correctly to advise them on the correct payment to be made. When the Collection Representative called me in XXXX and XXXX seeking payment they asked me to pay the amount posted in the online system. One also noted that I made a double payment in XX/XX/XXXX and did not understand why their computer system identified my name to be called. Also in XX/XX/XXXX the payment payment says the minimum due is {$240.00} by XX/XX/XXXX. Yet the online PDF paper statement says the minimum due is {$530.00} by XX/XX/XXXX. The portal has never reflected the amount {$530.00}. This is a miscommunication to me as the consumer. The payment portal should accurately reflect the minimum due for XXXX, which is {$530.00}. Consumers should be able to rely on the information in the payment portal and not have to double check by launching a PDF to confirm the accurate amount. Therefore, I think it is unfair to consumers for Comenity to have an expectation that consumers pay an amount that is different than what is posted in the payment portal. It is an unfair business practice for Comenity to list an amount due in the payment portal, yet print a different amount in the Statement that Collections Representatives have not been trained to discuss with Consumers.
Consumer complaint received 2019-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I wasnt sure which options to choose. Long story short, I was in a XXXX XXXX on XX/XX/XXXX. I was in a XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. My wife wasnt able to pay my XX/XX/XXXX payment on my Capital One card, due to not being an authorized user. My wallet/card was also lost during the wreck. Also, the wrong payment amount is showing on the credit report, and it didnt update. We will be moving in XXXX, and we are trying to do anything to fix our credit before then. Both issues are negatively affecting my credit report.
Consumer complaint received 2019-08-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

This year in 2019 during the months of XXXX, XXXX, and XXXX I have been in constant contact with Experian Consumer Reporting Agency in regards to several accounts appearing on my credit file that was established without my knowledge or consent or due to identity theft. One account in particular, which still remains on my credit report is XXXX XXXX XXXX. Experian continues to violate my rights as a consumer as well as the Fair Credit Reporting Act by reporting this account without providing 100 % Accurate Verification and blocking the account within 4 business days of notification. In addition, this account has been blocked and removed by both XXXX and XXXX consumer reporting agencies. I expect Experian to adhere to the FCRA by immediately removing this account from my personal credit file.
Consumer complaint received 2019-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

Ok back on XX/XX/2019, i receieve a message or text from jcp card service asking me about a purchase that was made a ( alert ) so i quickly call them up to let them know that it was not me! so they say let close your card and i say ok let 's close my account completely and stop this order from shipping they say ok done! so they open a faud investigation. the next dayXX/XX/2019 i get a message or text telling me the item has ship! i call back right way, and ask where did you let this ship, i was told that you could stop it but you didn't. so they could not answer me so they but me with the fruad unit again so i ask why has this going this far, this should have stop case over! as where has this item been ship to, could not tell me ok! look up the tracking information and find out the item is beening ship to me! still know help from JCP and they investigtion unit! so i call XXXX   XX/XX/19 and spoke with someone that in charge i explain everything to them and ask them to make sure the driver does'nt stop and give this to anyone on the road or drop it off on my door and leave it, to please deliver it to me on my hand. than i XX/XX/19 call the sheriff 's department and they quickly send a deputy to my home, Deputy took my statement and waited for the XXXX  to come, deputy was present went the deliver was make and i open item up in front of the deputy and it was the item in question! XX/XX/19 return item to XXXX in person, spoke with a XXXX XXXX assistant store manager, in which she sign for the return in question, now they say i have never return the item i have been going back forward with JCP credit card servics since this issure and still saying no item return!! but i did speak with one of the operator from card service and she did confirm that the item was return, So why is JCP card services keep going around in circle, i just receive a letter telling me item has not been return.This is very tiring, i have submit the proud to them numerour of time over and over again. PLEASE HELP ME!!! one more thing i also told them to check they security cameras or surveillance cameras and you will see me thier with the Assistant store Manager : XXXX XXXX. Very convenient for them that this store manager has been move to other store!!!! not soon after this happen! 
other thing i also told them that my credit report and score is excellent, that it make no sense for me to do anything like this!!! i just goe a new letter from synchrony bank tell ing me that the item has not be return.if i have any question i could call open a new re -- evaluate again and again here we go again back and forward. i have spoken to a attorney and was told once they ruin my credit than we have a case. so htet advise me to file complain with you and the FTC which im doing now!! SO PLEASE HELP!!!!
Consumer complaint received 2022-09-18
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. (OH)

Fraudulent inquiries are on my credit report. Please have all fraudulent inquiries removed. 

Inquiry details XXXX XXXX  XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX
Consumer complaint received 2023-03-28
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. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$610.00}.
Consumer complaint received 2021-01-29
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. (TX)

I reported and disputed this erroneous and predatory loan to all credit reporting agencies, every agency EXCEPT Experian complied. 
The retention- non deletion of this listing RAC  has continued to damage me and my only other recourse is a lawsuit. 
I would like this matter to be settled now but have no issue with taking it to court under XXXX statutes. 
I am asking that you intervene now as my last avenue prior to a lawsuit.
Consumer complaint received 2021-02-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

I've been contacting XXXX XXXX XXXX XXXX  for almost a year now submitted documents they are for they said they didn't get them I fax them mail I know my mom had insurance on the house that if anything happen to her on my father that it would be paid off and these people are fighting me them loan is in my mom 's name and a half the money
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AR Resources, Inc. (NC)

I had a billing with XXXX XXXXXXXX XXXX for {$970.00} that I thought would be paid by insurance. It was not and they turned it over to a collection an agency AR Resources. In XX/XX/2020 I came into my money, so I paid it off. It's still showing on my report as unpaid and it's been paid since XX/XX/2020.
Consumer complaint received 2022-09-18
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. (OH)

Fraudulent inquiries are on my credit report. Please have all fraudulent inquiries removed. 

Inquiry details XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Cornerstone Holdings, Inc. (AK)

I checked my credit reports and contacted the people it said I owed the Debt to. Several of the companies no longer exist. The ones that still existed I paid the debt and it was thousands less than what was shown on my credit report. 
I had an attorney contact Cornerstone credit about the ones the company no longer existed on. Cornerstone credit said adding 15 % interest to medical debt a month was allowed. So debt that was XXXX dollars as now several thousands of dollars. When asked if they would make a deal, they refused even though they knew that several thousands of dollars is all interest, for a company who probably took a deal as it was being bought out by another company. 
I recently have been divorced I guess several of the medical bills went to my ex-husband 's address. I did not know I owed them until I had seen them hit my collections. I contacted both of the debtors because it was only 2 new debts that I had missed. I paid off one debtor and it should show as paid at the end of the week. ( XXXX hope. ) The 2nd debtor says they do not show I owe them anything, nor would they because they sell their debts to Cornerstone. I have tried to make payments to a specific account before to cornerstone and they just add it to whichever one they feel like so they can restart a 6-year-old account to a company that no longer exists. I called the other debtors who say I have paid all my back bills and their affiliates in full. 
The Attorney and my divorce Judge have told me not to contact Cornerstone because of the stuff they have been doing but I would like to pay off the recent bill so it is not on there when the others one fall off nor do I want it to start collecting the 15 % interest. 
Is it allowed for the original debtor to refuse you to pay off your back debt? 
If I want to make a payment to a collections agency on that specific account are they allowed to put it towards whichever account they wish? 
Is the collection agency allowed to keep stuff on my credit they can not prove I owe? ( I can not find the information or the bill and when the attorney asked them to send me the proof of the debt, they only send me their debt bill on not the original. They said this would a breach of confidentiality. ) With the above explanation, How is it a breach of confidentiality for a debtee to know who is claiming the debtee owes them ( the debtor ) money? How am I to know it is not fraud?
Consumer complaint received 2020-06-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TN)

Received a letter from the foreclosure attorney with a sale date for XX/XX/2020 for my property. Received mortgage assistance modification from PHH mortgage, made 3 Trial payments and is still making monthly mortgage payments. I resubmitted request for mortgage assistance with PHH mortgage for the fixed rate and 30 year mortgage term. I don't understand how I was sent a property foreclosure sale notice with a sale date XXXX XXXX and I called today and was told the new sale date is XXXX XXXX. I'm currently making monthly mortgage payments. PHH mortgage doesn't want to work with me to save my home. I need help to keep my home.
Consumer complaint received 2021-05-04
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 have security alert on my Experian since XX/XX/XXXX. 

XXXX pulled hard inquiry on my credit without authorization or approval. on XX/XX/XXXX XX/XX/XXXX I first call Experian IDworks asking about credit restoration service. My information was one of 100 million records experian leaked on line and this service was provided to me as compensation. They said I need to contact Exprian.com to get help on hard inquiry. 

XX/XX/XXXX Experian.com said they can not handle hard inquiry even if it is inaccurate. they told me I should place fraud alert. I told them I already have fraud alert. they told me to call XXXX XXXX XX/XX/XXXX XXXX XXXX  said they do not have record of me applying for credit, and since they don't have record they can not dispute it. 

No one want to take the action and Experian is not being responsible for inaccurate information on their own reporting. 

What is the point of fraud alert, and " premium '' paid membership if they don't do anything?

I want this incorrect information removed from my account.
Consumer complaint received 2021-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (AZ)

XXXX XXXX has repeatedly called me thru a pre-recorded phone call to my cellphone asking me to pay a past due amount on a membership that I requested to cancel numerous times already. I called in to cancel and they told me that it would be done. It was not completed. I called in again to cancel and they told me that I had to send an email to request cancellation, so I sent the email on XX/XX/2021. Then I received another pre-recorded phone call regarding a past due amount on Monday, XX/XX/2021. I called the number that was given to me during the message and asked again why I was being charged when I made numerous attempts to cancel this account. The gentlemen told me that they can not cancel the account while there is a balance because cancellations take effect 30 days after the request. I explained to him that the first time that I requested to cancel this account was well past 30 days ago. He stated I had to pay the balance and that the account will not be closed. They already took a {$84.00} payment from my account on XX/XX/2021 and they are still looking for more money. I have not used this membership and will not use it while there is a serious pandemic occurring. I explained this to the rep. I refuse to pay for a membership that I have not used and continue to request that it be canceled. Please assist.
Consumer complaint received 2017-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have reached out to all three credit reporting agencies ; TransUnion, XXXX, and XXXX. As per clause : Credit Reporting agencies must provide the processing time frame in which they compute the data they received from a creditor. However, TransUnion refuses to comply and trys to say 30 days which is required by a creditor not a credit reporting agency such as TransUnion. I want them to provide the time frame in which the compute the data to a users report public like required by law. I can not find it anywhere on their website and when I asked them via XXXX they told me : Hello, Due to the number of subscribers that report information to TransUnion, there is no one answer to this question. We would not provide the specifics of any creditor or proprietary information about how we do business with them. If you are referring to a dispute response, We process those requests within 30 days as required under the Fair Credit Reporting Act ( FCRA ). 

Please let us know if you need anything else. 

-XXXX  As shown above, within 30 days, is required by a creditor not a credit reporting agency.
Consumer complaint received 2017-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (OR)

everbank claims my escrow account is XXXX short for this coming year.
they are proposing  to raise my escrow by XXXX per month and an additional XXXX
on addition to the XXXX.
THIS IS NOT NECESSARY.   SOLUTION:
simply increase monthly excrow to XXXX
this will ;eave more than enough to pay taxes in XX/XX/XXXX
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (NC)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

A state tax lien was placed on my credit reports for all 3 CRAs. The Lien does not meet the new reporting guidelines ( does not contain SSN or birthdate ) So I would like it removed from XXXX, Experian and XXXX. I am in the process of filing amended returns on all of these as the original return was calculated incorrectly.
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.