davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-09
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 have disputed an account on my XXXX, Experian and XXXX  report since XX/XX/XXXX. Every time the credot bureus have sent back a dispute results letter stating that the account is valid, I want to know how an account that has been aged since the year XXXX is still reporting on my credit report going into XXXX, this account is past the timely statute of debt collection of 7 years per the Fair Credit Reporting Act, I looked it up and this company is violatiing my rights and my credit report so I want XXXX, experian and XXXX  to delete this account immediately because it is incorrect and inaccurate information that is reporting and the credit bureaus lied about verification because nothig has been sent to me as proof that this account has even been validated, I want it removed immediately please. 
Company Name : XXXX XXXX XXXX XXXX Account # XXXX There is another account that is reporting inaccurately as well and is past the time of debt collection limitations. The statute of limitations on debt in Texas is four years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. This company should not even be reporting on my credit as well, so I want it removed from XXXX, Experian and XXXX  as well or I will have to take this creditor to court. 
Company Name : XXXX XXXX Account # XXXX
Consumer complaint received 2020-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed an account on my XXXX, XXXX and Transunion report since XX/XX/XXXX. Every time the credot bureus have sent back a dispute results letter stating that the account is valid, I want to know how an account that has been aged since the year XXXX is still reporting on my credit report going into XXXX, this account is past the timely statute of debt collection of 7 years per the Fair Credit Reporting Act, I looked it up and this company is violatiing my rights and my credit report so I want XXXX, XXXX  and Transunion to delete this account immediately because it is incorrect and inaccurate information that is reporting and the credit bureaus lied about verification because nothig has been sent to me as proof that this account has even been validated, I want it removed immediately please. 
Company Name : XXXX XXXX XXXX XXXX Account # XXXX There is another account that is reporting inaccurately as well and is past the time of debt collection limitations. The statute of limitations on debt in Texas is four years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. This company should not even be reporting on my credit as well, so I want it removed from XXXX, XXXX  and Transunion as well or I will have to take this creditor to court. 
Company Name : XXXX XXXX Account # XXXX
Consumer complaint received 2021-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

I made an online purchase on XX/XX/2020 by XXXX XXXX in the amount of {$210.00}, using my Chase Sapphire credit card. On XX/XX/2020 I checked the status of the order through the tracking # provided, it came up that the order arrived on XX/XX/2020. Since I received no delivery, I reached out to XXXX on XX/XX/2020 and was told I need to check it with XXXX since they can not follow up past 7 days of delivery date. I tried to reach out to XXXX numerous times by phone and email but I received no response, evidently due to COVID. XXXX refused to credit me for the purchase as well, so I went ahead and disputed the charge with Chase. At that time I was told by Chase rep they will remove the charge and look into it. 2 billing cycles later I see the charge back as a REBILL for the full amount plus interest that I am paying till now. The reasoning they gave is that XXXX received a confirmation from XXXX  that the package was dropped off at the house. I tried numerous times to reach out to Chase and send them numerous letters as requested from them. They are only dragging me around and refuse to give me the credit. 
I believe this is extremely unfair and unjust, the package was a big box that I could not have missed, had it actually arrived, I looked out for it on a daily basis and don't think I could of missed it. I don't think it is my business what happened t the package or if the driver maybe stole it, the fact is, no one rang my bell and I do not feel I need to pay for something I did not receive. I do feel I should receive the full credit for this purchase plus the interest I am paying all these months. 
I have documented proof for all correspondence if needed.
Consumer complaint received 2020-11-12
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. (IL)

I disputed an issue with improper reporting of a credit card account with credit first na account number XXXX that was included in bankruptcy and discharged XX/XX/2018. This account is showing as a recent missed payment and hurt my credit scores now across the board. It should not be a recent missed payment or even showing late now if it was discharged. Experian is not fixing the issue and when i try to dispute it again all i get is you have already disputed this. The dispute should have been done right from them in the first place then.
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (VA)

I placed three XXXX Payments through Barclay 's Credit Card. I've been making utility payment and bill payments through XXXX on many other cards for a year with no fees or problems. 

The payments were made on the following dates, with the corresponding charges, XX/XX/XXXX XXXX Payment for {$410.00} / Fee of {$20.00} XX/XX/XXXX XXXX Payment for {$360.00} / Fee of {$17.00} XX/XX/XXXX XXXX Payment for {$1200.00} / Fee of {$63.00} No where does it state that paying a bill by a service like XXXX cost 5 %, plus they are charging me interest on the cash advance Fee ( they were not cash advances ), all the way up until I pay for them, even though the bill for said interest is not due until XX/XX/XXXX. 

I explained to them that they weren't cash advances and I did not know they would be charged that and they refuse to credit me these charges back.
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (AZ)

I sent a Payoff request to this company via the email XXXX as per that companies instructions. The first request was sent XX/XX/2021, the second was on XX/XX/2021. I still haven't gotten the payoff quote so that I can pay off my mortgage.
Consumer complaint received 2020-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (CA)

I have paid my balance in full to XXXX  XXXX XXXX  and received acknowledgement when I moved out. I had XXXX balance. Hunter Warfield is claiming had a balance and trying to make me settle for 1/2 the amount. They're trying to get me to go to XXXX  and pay.
Consumer complaint received 2020-12-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

It's impossible to reach Experian over the phone. This has been my experience in the past 4 weeks when trying : 1. Being disconnected after a long hold ; 2. Being disconnected when someone who introduced herself as XXXX ( with a heavy XXXX accent ) replied but before I even began explaining what I need ; this was the only time when I was able to reach a human being out of at least XXXX attempts ; 3. Lately there has been no option to reach a person for any reason, there are only a couple of automated options that don't cover my needs. 

Also the options to dispute on line are limited to elements selected by Experian and their responses are extremely vague.
Consumer complaint received 2020-12-09
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. (NJ)

The late payment on my account came from me being a victim of identity thief I have police reports which I sent to the credit borough numerous times still has not been deleted. I am in the process of obtaining a Mortgage and this information is hurting me very bad.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

The late payment on my account came from me being a victim of identity thief I have police reports which I sent to the credit borough numerous times still has not been deleted. I am in the process of obtaining a Mortgage and this information is hurting me very bad.
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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently pulled my credit report and saw a bunch of fraudulent accounts including a school XXXX XXXX that I never attended. The bureaus removed XXXX XXXX but some of the student loans remain.
Consumer complaint received 2020-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MT)

I was notified on XX/XX/2020 by my credit card company ( XXXX XXXX XXXX ) that my credit score plummeted 133 point from XXXX. So I ran my credit reports to see what the issue was. Apparently, I was referred to collections ( Sequium Asset Solutions Inc. ) on XX/XX/2020 by XXXX  XXXX for {$690.00}. I have never done business with either, XXXX  XXXX  or Sequium Asset Solutions, or received any communications. 

I proceeded to call XXXX XXXX  on XX/XX/2020 to see what the issue was. They told me they had no records of me!! Then I called Sequium Asset Solutions on XX/XX/2020 and they had no records of me. 

I spoke with representatives from XXXX, XXXX  and XXXX  to file fraud complaints ( XX/XX/2020 ). To date, XXXX has restored my credit score back to XXXX. I am still waiting for resolutions from the other two credit reporting agencies.
Consumer complaint received 2020-11-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (CA)

On XX/XX/XXXX I attempted to pay my mortgage through Homebridge mortgage website. Their was an issue with the website allowing me to make my payment for XXXX mortgage. I attempted to called IT department but was stuck with Customer service. On XX/XX/XXXX I called in to Homebridge/XXXX and spoke with representative and made my payment over the phone with the company representative and received a confirmation number. 
I noticed at end of day on XX/XX/XXXX the payment still had not been drafted from my account. At XXXX Pacific on XX/XX/XXXX I called and spoke wit Homebridge/XXXX  representative to provided my confirmation and asked about the payment draft. She ( Homebridge rep ) stated that she sees the payment was made however the representative by error did not process the payment correctly. I immediately requested a manager to reconcile the issue and that their error must not result in any late payment reflection on my credit as I am in middle of a new mortgage. She stated shell put a note because she sees I made payment on XX/XX/XXXX, note to manager to call me back and transferred me to credit customer service department where I sat on Hold not resolved.
Consumer complaint received 2020-12-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020 and 60 days late as of XX/XX/2020 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 2020-12-09
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: EQUIFAX, INC. (TX)

I have disputed an account on my Equifax, XXXX  and XXXX  report since XX/XX/XXXX. Every time the credot bureus have sent back a dispute results letter stating that the account is valid, I want to know how an account that has been aged since the year XXXX is still reporting on my credit report going into XXXX, this account is past the timely statute of debt collection of 7 years per the Fair Credit Reporting Act, I looked it up and this company is violatiing my rights and my credit report so I want Equifax, XXXX  and XXXX  to delete this account immediately because it is incorrect and inaccurate information that is reporting and the credit bureaus lied about verification because nothig  has been sent to me as proof that this account has even been validated, I want it removed immediately please. 
Company Name : XXXX XXXX XXXX XXXX Account # XXXX There is another account that is reporting inaccurately as well and is past the time of debt collection limitations. The statute of limitations on debt in Texas is four years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. This company should not even be reporting on my credit as well, so I want it removed from Equifax, XXXX  and XXXX  as well or I will have to take this creditor to court. 
Company Name : XXXX XXXX Account # XXXX
Consumer complaint received 2021-04-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (WI)

I have a loan with XXXX and it is serviced by LoanCare. I went into a COVID19 Forbearance plan starting XX/XX/XXXX. My Forbearance was through XX/XX/XXXX. I was able to start resuming my payments XX/XX/XXXX. I applied for assistance to pay the payments missed during the Forbearance but I was denied XX/XX/XXXX. I appealed the denial and was denied again XX/XX/XXXX. I was required to pay the full amount to reinstate my loan or risk foreclosure. I submitted the final payment today, after struggling to come up with the money and borrowing. Being an FHA loan and a COVID19 Forbearance, I believe LoanCare should not have required me to pay the past due amount in full right away. I had to borrow the money and am now owing others money.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I contacted and disputed inaccurate personal information dealing with name and address and inaccurate employment and phone number And Experian refuse to remove the inaccurate information. I'm here to sure my identity and my sure it is not miss used
Consumer complaint received 2020-12-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (IL)

I originally contracted and booked a trip with XXXX XXXX for XX/XX/XXXX. They debited {$4600.00} from my account on XX/XX/XXXX. On XX/XX/XXXX they informed me they would not be moving forward with my trip and that they would not be refunding my money. 
Per their contract if they did not give notice of 40 day or more the client ( myself ) had the right to request a refund or a future date. I requested a refund of which they declined to give me back my money. This was in XX/XX/XXXX. I at that time disputed the charge with Citi Bank. I was denied my claim because XXXX XXXX said that they were rescheduleling my trip to a future date of XX/XX/XXXX. 

On XX/XX/XXXX from XXXX saying they were NOT going to give me my money back, they were NOT rescheduling my trip and that they were going into bankruptcy. I then went back to Citi to reopen the dispute and appeal as XXXX did NOT do what they promised. 

Citi bank has now for the XXXX time denied my claim even though if the service was for a future date they are suppose to honor it and re open this dispute.
Consumer complaint received 2021-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens XXXX mo XXXX XXXX XXXX XXXX, I presume no proof of the alleged debt, therefore any such debt, in fact exist.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have had my capital one account for two years. I have never been late on the account until XX/XX/2020. I had automatic payments set up for the second day of every month. For XX/XX/2020 the automatic payment was made XX/XX/XXXX and then another payment XX/XX/XXXX. Payment conformation for both payments. I then closed the bank account on file due to current pandemic. Payments were reversed and I was unaware until I received the XXXX monthly statement. I took care of the issue immediately paying over half of the balance as well as updating banking information on file. I contacted capital one directly via phone and email to the CEO of the company. During the first conversation I was told that they didnt see anything on their end of me being late on payment. No late fee, no Delinquent Mark etc. The representative suggested it was a error on the credit bureaus end. I then proceeded to email the CEO. I received a phone call about a week later stating again that there is no late error on their side. They are aware of the payment reversal but there was no late fee or any late marks on the account. I spoke to two different representatives. They both stated that they are unable to fix the 30 day late remark because they do not see it on their end.
Consumer complaint received 2020-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Ths regards XXXX Master credit card XXXX MASTERCARDXXXX  XXXX I am not the owner of the account. I was added as an authorized user. Therefore I am not responsible for the payment on the account
Consumer complaint received 2020-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2020 I noticed fraudelent activity in my business checking account a " restaurant '' was charging multiple times my debit card I reported it with bank of america and the lady on the fraud department told me not to worry obout it that she put a stop on the account and that those transactions were not going to go trough. 
Next day I opened my online banking and not only the transactions from the previous day went trough but Bank of america allowed this company to charge my account with over XXXX transactions for over {$100000.00}. 
Since that day i have been in contact with the bank asking them to please refund me my money. 
The supervisors that I have talked to informed me that bank of america got hacked and agreed that this money has to be reimbursed back to me the have lied to me multiple times giving me a fake reimbursment date and the reps that do not lie can not give me a time frame for my reimbursment. 
I am XXXX  XXXX  XXXX  XXXX  and I have been waiting for over 30 days to be able to use my hard earned money. XXXX XXXX, my family and XXXX XXXX are sufering from this situation the late fees and credit damage, interest payments, foreclosures and default interest rates the Bank is creating by not refunding me my money is going to be in the tens or hundreds of thousands. I am very desperate for this situation. I hope that someone can please help me.
Consumer complaint received 2021-06-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.