davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Risecredit, LLC (CA)

I am a senior citizen and I took out two loans with Rise Credit. The first one I paid off then a few months later I took out another loan. With the most recent loan the contract stipulated that my payments were due every XXXX of every month. During the course of my loan, I missed the XX/XX/XXXXdate and the XX/XX/XXXX due date, this was considered 30 days late. My financial hardship continued and I sought to avoid a 60 day past due status, therefore I was able to gather {$410.00} on XX/XX/XXXX the day my account was due. I knew that a consumer becomes delinquent after missing a single monthly payment. However, delinquency is not generally reported to the major credit bureaus until two consecutive payments have been missed and furthermore reporting to the credit bureaus occurs every due date/billing cycle and characterized as 30-60-90-120 in conjunction with due dates and not the literal days in a calendar. 

That is why I was surprised that when I called to make the {$410.00} on XX/XX/XXXX, the day my payment was due, Rise had already charged-off my account. My delinquency began when I missed the XX/XX/XXXX payment and even I paid on XX/XX/XXXX my account was charged off. Billing cycles by all financial standards as far as credit bureau reporting are concerned are concerned with due dates and a 30-60-90 threshold. 

Upon speaking to Rise to address my concern they stated that their policy is to charge off accounts once they become 60 calendar days past due. I have never in my life knew of a non payday loan, financial institution that allows its installment loans to charge off accounts once it reaches 60 days past due. It seems that Rise has devised a financial model to charge-off accounts prematurely to maximize profits with high interest rates in conjunction with high payments then shortly thereafter selling charged off accounts to collection agencies. 

The contract that I signed does not state anything about their charge-off policy in light of the fact that it is reasonable and overwhelmingly normative in the financial industry to charge off accounts once the reach 120 days past due. Rise deceptively choses to charge off accounts once they reach 60 calendar days, and as a result harms consumers credit who are most vulnerable and attempting to rebuild their credit as I am. I managed to pay {$410.00} on XX/XX/XXXX, all for nothing, all I gained from doing business with Rise is stress. Rise policy is not right, it is abusive, and I am sure other unsophisticated consumers are being harmed due to their intentional crafted financial model that might very well be violating financial statutes. If Rise is allowed to charge off accounts after 60 days past due, why not 30 days past due, what stops others from adopting such policy?
Consumer complaint received 2022-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch (TX)

Second Round Sub LLC is trying to file a lawsuit without properly giving me an option to dispute this alleged debt. I do not owe this company a thing and do not know where this company thinks it can file against me. I have sent them a letter stating that my only income is federally protected ( social security and veteran 's benefits ). I know my information has been found on the dark web, and my identity has been used without my permission.
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/XXXX XXXX reported my student loan account ( s ) Federal and Private, over 30 days past due for my XX/XX/XXXX payment. I received a notification from one of my credit cards and immediately called XXXX to inquiry and dispute. The XXXX representative confirmed that she did not see my XXXX payment paid after 30 days. She advised that I would need to write a letter to have it reviewed. I followed instructions and wrote a detailed letter. XXXX responded by advising there was an error back in XXXX that they would adjust, but nothing for the XXXX reporting. I've worked hard over the past year to keep my account current and that negative mark reported in XXXX dropped my score by 30 points. I need my account payment history reviewed from XX/XX/XXXX through XX/XX/XXXX and updated correctly. 
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Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

I called in on XX/XX/23 to transfer XXXX off my XXXX XXXX to my XXXX XXXX card. I was told that was completed then transferred to a supervisor to close the card. I closed the card with the understanding that the XXXX had been transferred. Later on, I realized the XXXX had not been transferred so I called back and spoke to another supervisor whom stated they would re-instate the account. I looked several hours later and it was still showing as closed. I just got off the phone at around XXXX est with a rude and aggressive employee whom wouldn't transfer me to a supervisor and acted like they knew what happened in those calls. They told me that my account would not be re-instated and that I had to wait for letters. I have a XXXX card with an XXXX limit and there was no reason to deny my request to shift the credit limit. Now American Express closed my card based on a lie that XXXX had been transferred, then lied again when I called back to re-open and now the card is showing as closed and my XXXX line is gone now. I was told a supervisor would call me back, it has been 3 days and still no call. Just like I told the last representative, I knew there would be no call back. American Express lied during the closing, unfairly didn't transfer the XXXX limit to the other card, had another employee lie about me losing the points, another employee whom was a manager tell me it would be re-opened. Please listen to all calls on XX/XX/23.
Consumer complaint received 2020-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc. ()

XXXX XXXX XXXX is trying to collect a debt which is not mine, and which might be obtained under my name fraudulently, as I am not living in the US for 6 years and not using XXXX at all because it is not supported in home country which is XXXX. Also, find attached supporting documentation Creditor : XXXX XXXX Account opened : XX/XX/2019 Balance : XXXX $ Account number : XXXX SIMM account number : XXXX
Consumer complaint received 2023-02-08
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: EQUIFAX, INC. (MD)

My credit file has suffered severe damage due to Equifax negligence, with respect to the FCRA and fdcpa. Equifax Report XXXX date generated XX/XX/2023 Equifax is furnishing two inaccurate and fraudulent tradelines on my credit file. Please see attached FTC report number XXXX for reference. See attached docs as it includes my statement, copy of my ID, the identifying information of the fraudulent inquiries. 

With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX. XXXX ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not transactions made by the consumer. 

As Equifax conducts their investigation, I expect Equifax to block the mentioned account within 4 business days in accordance with the law to cease the damage that has been caused. Upon completion of your investigation please furnish a new copy of my credit file to me at the address identified on my supporting documents.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACS Education Services (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.
Consumer complaint received 2018-07-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST NATIONAL BANK OF OMAHA (SD)

In XX/XX/XXXX I was granted a forbearance from XX/XX/XXXX until XX/XX/XXXX. ( I have copy of agreement ). On XX/XX/XXXX I made my XXXX payment. On XX/XX/XXXX a letter from the bank stating they were returning the mortgage payment. During this time I had been working out some kind of payment arrangement. Our ng this to me no one could give me an exact amount I owed. First National Bank stated I owed {$1900.00} on XX/XX/XXXX, {$1900.00} on XX/XX/XXXX, XX/XX/XXXX {$2200.00}, XX/XX/XXXX {$2800.00}, XX/XX/XXXX, {$2300.00}, XX/XX/XXXX {$3800.00} and {$2300.00} and XX/XX/XXXX {$2600.00}. Each time I emailed or called XXXX. I could not get a straight answer. 
The above is only a few of the different amounts the bank said I owed. 
I have hard copies of everything I listed here and more
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (PA)

I have been charged on numerous occasions for overdraft fees from my checking account, DESPITE the funds being available in an associated savings account, which i requested multiple times be used. I have also been charged overdrafts because of Wells Fargo delay in tracking purchases and deposits which creates the overdraft in the first place by providing inaccurate balances. 

This is not an exhaustive list, but dates and amounts include : XX/XX/XXXX {$190.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$8.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$84.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$68.00} XX/XX/XXXX {$4.00} XX/XX/XXXX {$92.00} XX/XX/XXXX {$90.00} XX/XX/XXXX {$72.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$37.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$5.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$45.00} I consistently reached out to support asking for this to stop and demonstrating adequate funds in my savings account at the time, but instead they chose to continuously steal money from me every time.
Consumer complaint received 2022-08-12
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. (LA)

I XXXX XXXX XXXX, disputed errors with Experian that werent in metro 2 compliance and is in violation of the FCRA also pursuant to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates Experian Never got my express written consent to report anything and now they must correct all the errors disputed in attachment so that they dont violate the FCRA
Consumer complaint received 2018-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2016 30 days late as of XX/XX/2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX is trying to collect on Student loans after XXXX and XXXX XXXX has been granted. I continue to receive harassment by phone calls. I believe that this violates the Consumer Financial Protection Bureau settlement with XXXX. 

Notification to the lenders was provided in XX/XX/XXXX by my Veterans Attorney with a copy of the XXXX determination by a Federal Judge. 

I am XXXX XXXX and receive only Social Security XXXX Benefits and VA Healthcare. 

Accounts with inaccurate reporting are : XXXX reported as late XX/XX/XXXX-XX/XX/XXXX balance {$5900.00} XXXX reported as late XX/XX/XXXX-XX/XX/XXXX balance {$2900.00}
Consumer complaint received 2017-09-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MI)

They never contacted me about anything, by phone, mail, e-mail. Just add a collection to my report on Experian. I try to inquiry but could n't. 
The collection charge off from my credit report was report on XXXX. XXXX, 2017 with the amount {$2500.00}. 
I have no idea how this happen or how i owned that amount to anyone!!!
Consumer complaint received 2018-01-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (IL)

i was fraud alerted by chase bank that money was being transferred in the XXXX via XXXX XXXX online. I immediately contacted chase bank on XX/XX/XXXX at XXXX XXXX united states time XXXX on a recorded line that the transaction did not belong to me and was fraudulent.On XX/XX/XXXX the money was returned to my account at Chase. On XX/XX/XXXX Chase bank took the money back out of my account saying that i authorized the transaction with XXXX XXXX. Both XXXX XXXX and Chase are denying any responsibility. XXXX XXXX on XXXX XXXX, announced that they had a major security breach and I believe i was a victim. There were 3 transactions from the same person and location. I had previously sent money to this person who was related to me. The problem is that the monies were disbursed at a location in XXXX XXXX and my cousin lives in XXXX XXXX which is different region of the country. There was never a control number issued for these transactions which is required to receive the funds. 
I spoke with XXXX XXXX and they could not provide a control number of the transactions Transaction 1 ) XXXX Transaction 2 ) XXXX Transaction 3 ) XXXX totalling XXXX US dollars. I have been blocked by XXXX XXXX for going on line to investigate and Chase has said its my responsiblilty to contact XXXX XXXX. I also contacted XXXX XXXX and they said to call Chase because Chase withdrew the money.
Consumer complaint received 2020-12-08
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. (NV)

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX and Equifax ) via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, XXXX  and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 3 months from my written request and I have not received any responses.
Consumer complaint received 2018-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 60 days late as of XX/XX/2017 90 days late as of XX/XX/2017 120 days late as of XX/XX/2017 150 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Also all 3 credit bureaus have reported different months being late. This is not accurate and a violation of the FCRA
Consumer complaint received 2022-08-12
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. (FL)

I need Experian to investigate and change the information that they have. Experian refused to update their system on the exact amount that I owe this person. Every time I file an investigation to have corrections made. They will decline that investigation without sending it to the merchant. Experian is reporting the wrong information. 

About two years ago, I went on the XXXX search engine, I found this website called XXXX located may be in XXXX. spoke with a salesperson and we spoke about the product that they had. My first purchase from them was on XXXX for a XXXX ' XXXX XXXX XXXX. Once I paid for the purchase of the TV, was {$170.00} Shipping & Handling1 {$190.00} The scheduled Delivery is {$49.00} and the total price for that TV is {$1400.00}. I have been paying {$80.00} monthly for this tv since for the past 24 months. This company is still taking money out of my account. Also sending the Credit bureau Experian faults information about amount owe. Experian refuses to fight it either. I need help and last year I thought I was done paying them. I paid another purchase this time for {$710.00} the total price has been past 12 months I still see they have a balance of {$470.00}. They have this business and stealing money from consumers.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I received a copy of my most recent credit report and found an old account that should no longer be reported. The data furnisher is reporting incorrect information. The date of the last activity on this account is older than 7 years. This account should no longer be reporting on my credit report. The name of the account is : XXXX XXXX XXXX with a reported balance of {$530.00}
Consumer complaint received 2021-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (NC)

Amerihome serviced my mortgage but we refinanced with a new company. Our mortgage with Amerihome was paid in full and closed on XX/XX/2021. They claim, with no documentation, that they mailed our escrow refund on XX/XX/XXXX. We have yet to receive it some almost three weeks later. I called to ask that the check be stopped and reissued and mailed via fed ex. Was told by two different agents that they had to wait 14 business days before they can stop. 14 business days from the XXXX  would be this Thursday the XXXX due to XXXX XXXX holiday. I called today to request the check be XXXX and was told it is now 30 business days from the XXXX before they can stop, reissue and mail. They also will not use XXXX XXXX or wire the money but will use Usps, the alleged organization they used to send the first one. So now it won't be until. XX/XX/XXXX until they address this issue. This is not acceptable. Their agents are rude, give different answers to the same question and are holding my money hostage. There are multiple XXXX  complaints with the same issue. If I was ever late making my mortgage payment to them ( I never was ) rest assured they would have hit me with late fees like crazy. Yet when it's my money they are allowed to hold it and make interest from it. I want my money now!
Consumer complaint received 2018-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Agency of Credit Control (CO)

I have a satisfaction of judgment that was filedXX/XX/XXXX by Agency of Credit Control XXXX XXXX for a paid medical debt. I checked my updated credit report in XXXX of XXXX and it shows that Agency of Credit Control XXXX XXXX re-listed the accounts satisfied in the judgment as paid closed collection accounts, and stated they were closed in XXXX of XXXX ... over a year after they were closed. This caused a 77-point drop in my credit score. I already received a negative hit to my score when I got the judgment. Essentially, I was unduly penalized twice for the same accounts ... once when I got a judgment against me, and again when they re-listed the accounts in XXXX of XXXX. I reached out to the agency, and they said they do not update these records, despite being the agency making the report to the credit bureaus. The representative also stated, despite the debt being paid in full, that " had the matter been resolved with the original creditor back in XXXX, none of this would be an issue now. '' What this person doesn't know, is that I attempted to resolve the debt with the original creditor. They did not wish to negotiate an affordable payment, would not accept my multiple offers for alternative arrangements, and filed a judgment in court. I was charged more than double what I originally owed in medical debt to satisfy attorney and court filing fees for this agency. I have submitted a copy of the satisfaction of judgment, copy of the original court summons, a breakout of the amounts originally owed according to agency of Credit Control, email quoting the amount of my last payment to them with a receipt showing my final payment made, and my email communications with the XXXX regarding the re-listed accounts.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX is still reporting, that I'm paying on that account, I have not paid on this account for XXXX or XXXX years, I am asking that you remove it from my report.