davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-13
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)

This is the third time I have requested Notice for Proof of Claim for Accounts XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX. This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

This account was paid off in full in the month of XX/XX/XXXX somehow XXXX XXXXXXXX XXXX took the payment back after XXXX confirmed and accepted payment. It was after I was locked out of the XXXX app that I realized there was something wrong I was further denied access to the checking and savings accounts along with making in person payments at the sister branches in which payment would be made through due to this credit union not having any local branches in my area and the blocked access to the accounts and use of the payment options through the sister branches I had no way of fixing this issue as the address on the back of the credit card is incomplete/not the correct one to send payment to once something like this happens. It was not until XXXX that I discovered/received a letter stating that the account was charged off. I did NOT receive any 1099 form reflecting the charged off amount, but yet I was told that the other accounts would remain open until XX/XX/XXXX, then closed and at that point I can reapply for membership but not guaranteed to get XXXX due to previous history. I was sent an email on how to make payment for the full balance which I remitted a Cashier 's check to XXXX in the full amount due. XXXX received the payment accepted the payment cashed the check and still reported/updated this account as being accurate Charged OFF unpaid. So basically, we have an issue where XXXX Wrote Off the {$1900.00} and received certified payment of {$1900.00}. as of XX/XX/XXXX which they continued to report inaccurate information at this point XXXX has written off this debt as a loss and then collected full amount due while failing to provide the XXXX credit bureaus with true, accurate and correct information.
Consumer complaint received 2018-02-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

from XX/XX/14 i had a XXXXXXXX XXXX and XXXX from there i was unable to work and lost everything. There are multiple accounts from this day forward basically all medical with XXXX The hospitals took care of my bills through community care and charity as I was sick multiple times after. I do not have the funds to pay these amounts and would ask that they be reconsidered or removed based on financial status, sickness and inability to pay.
Consumer complaint received 2018-02-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

payments were missed and put on credit report. 

every time i missed a payment i was in hospital sick and unable to work in the moment - I have XXXX XXXX that puts me in the hospital a lot where i get sick easy and spend time in there. Asked to be fixed cleared on report due to inability to pay and wasnt fixed saying it was accurate.
Consumer complaint received 2021-12-03
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRY COMPLETELY FROM MY CREDIT REPORT. 
XXXX of inquiry XX/XX/2020
Consumer complaint received 2018-04-01
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. (FL)

I have sent a certified letter to TransUnion, XXXX, and XXXX disputing a negative item that they are reporting on my credit report from XXXX XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX XXXX XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which TransUnion, XXXX, and XXXX failed to do.
Consumer complaint received 2018-04-01
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. (FL)

I have sent a certified letter to TransUnion, XXXX, and XXXX disputing a negative item that they are reporting on my credit report from XXXX XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX XXXX XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which TransUnion, XXXX, and XXXX failed to do, only sent me a letter saying the account was verified.
Consumer complaint received 2022-05-02
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX digits of XXXX XXXX To whom it may concern, Im writing this letter to dispute the following accounts : XXXX XXXX XXXX This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, but I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above-referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N.Y. XXXX
Consumer complaint received 2022-01-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

This loan was transferred from XXXX XXXX XXXX XXXX XXXX ( XXXX ) to Specialized Loan Servicing ( SLS ) effective XX/XX/XXXX. The onboarding process has been a series of errors with no resolution. 

XX/XX/XXXX : Made XX/XX/XXXX payment to XXXX via automated phone system. 
XX/XX/XXXX : Received notice of servicing transfer from XXXX effective XX/XX/XXXX. 
XX/XX/XXXX : Called SLS to make payment for XX/XX/XXXX. They said the account was still onboarding from XXXX so they could not accept a payment yet. 
XX/XX/XXXX : First monthly statement from XXXX. XXXX was full of errors. Monthly payment amount was incorrect. Also showed a past due amount even though we were up to date with all payments to XXXX through XX/XX/XXXX. 
XX/XX/XXXX : Called SLS to discuss statement errors and make XX/XX/XXXX & XX/XX/XXXX payments. The two customer service reps I spoke to could not explain why XX/XX/XXXX XXXX payment was not applied. They could not explain why our monthly payment amount was incorrect. They kept putting me on hold, but each time they said they could not correct the account. While on the call, I emailed SLS a bank statement as proof of XX/XX/XXXX payment to XXXX. Then I made payment with the customer service rep for XX/XX/XXXX & XX/XX/XXXX. The customer service rep said she submitted requests to have our account researched and corrected. The call lasted over 90 minutes. 
XX/XX/XXXX : Called SLS to follow up. They said the proof of XX/XX/XXXX payment to XXXX was noted in our account and that the Cashier Dept. was still working on updating and correcting our account to reflect all payments received. 
XX/XX/XXXX : Monthly statement ( received on XX/XX/XXXX ) showed a past due amount even though we had paid our account up to date through XX/XX/XXXX. 
XX/XX/XXXX : Called SLS again to follow up. Transferred to Escalation Dept. The rep said the errors have been corrected in their system. The rep said a request will be sent to correct the account by applying the payments to show we have paid through XX/XX/XXXX. She said I can check back again after 5 business days. I requested contact info to complain about this process. She gave me a SLS XXXX XXXX XXXX in XXXX, CO. 

It is unacceptable for it to take so long for our account to be corrected. We are very concerned that XXXX will incorrectly report negative info to the credit bureaus and damage our credit rating.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

I notice that Experian credit bureau is reporting inaccurate personal and public information on my credit report. I have sent several notices requesting them ( Experian ) to validate this inaccurate information, where it came from, who's their point of contact, and what document proof they have to support this inaccurate information that they're reporting on my credit report. Experian has not been able to or just flat out refuses to send me any supporting documents that validates this inaccurate information that they're falsely reporting that is a valuation to my rights. I have sent supporting document to Experian from the reporting agencies that Experian claimed verified this inaccurate public information stating they did not and do not verify and personal or public information nor do they report any information to the credit bureaus.
Consumer complaint received 2022-09-15
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 an account without my written instructions.

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 2021-11-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2014, I XXXX XXXX was engaged in a specific extension of credit with Capital One Bank. Capital One would send me statements stating that I owed a debt which included phone calls and emails that stated that this was an attempt to collect a debt and any information would be used for that purpose. This is a violation according to15 U.S. Code 1692d ( 2 ), ( 5 ) - Harassment or abuse. A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. I also submitted and affidavit of truth to Capital One in which they did not respond. Capital One then caused adverse action by closing my account yet requesting me to pay the alleged debt.
Consumer complaint received 2020-09-13
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Hanna Holdings Inc (VA)

I submitted an application for a rental property in XXXX, VA and was denied for " Lack of sufficient relevant real estate account information ''. Attached to my application was a statement showing where I paid a mortgage to XXXX XXXX XXXX XXXX. The rental application further indicated that XXXX continue to pay taxes on the property known as XXXX XXXX XXXX XXXX, VA XXXX ; refuting that there is a lack of relevant real estate account ( s ) if properly researched by XXXX XXXX beyond a credit report and based on the information and attached documents on rental application.
Consumer complaint received 2018-02-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

On XX/XX/2017, I sold Bitcoin for the amount of {$5900.00} to be paid by wire transfer to my bank account. It has been 55 days and after filing a ticket with their support team and multiple attempts to reach them for a resolution, there is no sign that this deposit is forthcoming.
Consumer complaint received 2023-04-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2022-05-02
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. (NJ)

I recently came home from XXXX  after doing XXXX years and checked my credit report. I have accounts that were created while I was incarcerated. I did not have the ability to apply for anything while incarcerated because I did not have access to anything to do so. 
The following accounts should not be on my credit report. 
XXXX XXXX XXXX  - XXXX XXXX  XXXX - XXXX The following inquiries cant be mines : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  They should block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, I've read that by law 15 USC 1681 Sec. 604 A Sec. 2 : A consumer reporting agency can not furnish a account without my written instructions.

So I don't know how this got on my report...

These accounts are hurting me in a very bad way cuz I can not get any loans or any thing due to fraudulent accounts.
Consumer complaint received 2018-02-20
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. (VA)

ON MY EXPERIAN CREDIT REPORT THE ACCOUNT FOR XXXX ACCOUNT NUMBER XXXX THIS ACCOUNT WAS OPEN INXX/XX/XXXX AND I STOPPED MAKING MY CABLE PAYMENT TO THEM IN XX/XX/ DUE TO THE FACT THAT I HAVE MOVED AND I WAS UNABLE TO GET XXXX ON WERE I LIVED. THIS ACCOUNT IS REPORTING UNDER MY BANKRUPTCY AND DISCHARGE ON MY EXPERIAN CREDIT REPORT. THE ISSUE I AM HAVING IS IT REPORTING THE WRONG DATE AND YEAR WHEN I BECAME LATE. IT SHOWING XX/XX/ IT SHOULD SHOW XX/XX/XXXXON MY EXPERIAN CREDIT REPORT IS SHOW SHOW FIRST REPORT XX/XX/ NOT XX/XX/
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (HI)

Receiving multiple calls a day, today I received 7 calls from commenity bank, if I dont answer their call they use a private number to call me right after. Ive been receiving these calls every single day from Monday - Friday back to back or spaced out.
Consumer complaint received 2020-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NJ)

I have written Synchrony Bank in regards to a Sams Club Business Credit Card that was opened by someone using my personal information on XX/XX/2020 I recently discovered that is account was opened when i checked my XXXX  credit report and seen several inquiries from Synchrony Bank XXXX Sams BRC I called the bank and spoken to several departments before I was transferred to the fraud department and was advised that a Sams Club Business Credit Card ending in XXXX was open and active and I was listed as a personal guarantor. 
At that time I requested that the account be immediately shut down and the bank launch a fraud investigation. Rest Assure that I did not open a Sams Club Business Credit Card Account.
Consumer complaint received 2018-02-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

We asked for proof of debt from XXXX XXXX XXXXXXXX which was never delivered. On XX/XX/XXXX their company ( from number XXXX which I verified was Portfolio Recovery ) called at nearly XXXX XXXX. I have screenshots and can provide phone records.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

I am writing to express my frustration and disappointment as it has come to my attention that, despite previous communication, I have not received the requested Affidavit of Truth from this company. This matter is of utmost importance, and the failure to provide this document is causing undue inconvenience.

Unauthorized Reporting of Personal Data, your prompt attention to this matter and request a thorough investigation into the unauthorized reporting of my data. Additionally, I request that all inaccuracies be promptly corrected and that I am provided with a written explanation of the actions taken to rectify this situation. 

If this matter is not resolved satisfactorily within 30 days from the date of this statement, I reserve the right to pursue legal action to protect my rights under the FCRA. I hope it does not come to that, and your bureau takes the necessary steps to rectify this situation promptly. 

I appreciate your immediate attention to this matter and look forward to a swift resolution.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

When I signed up for the Amex XXXX credit card on XX/XX/XXXX, I saw online that there was a XXXX point promotion online. After I signed up for it, I saw that I was going to receive XXXX points because the person on the phone said that was the promotion attached to it. However, because I was under the pretense that it was XXXX bonus points ( as advertised in numerous places online ), I went ahead and called Amex on XX/XX/XXXX, and someone on the phone confirmed that I would be receiving XXXX points. However, I saw on XX/XX/XXXX that only XXXX points were deposited to my account. I tried calling, and they did not confirm the phone call on XX/XX/XXXX. I am upset because now there have been two false promises- one for the XXXX point initial offer, and the second being that they would honor that enrollment bonus on the phone call on XX/XX/XXXX. Now they are not honoring that phone call, and are not acknowledging the phone call where someone confirmed that I would be receiving those points.
Consumer complaint received 2022-01-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc. (PA)

Six months ago, AR Resources posted a negative mark on my credit report due to a debt owed to XXXX University. According to my credit reports, the outstanding debt is for {$2500.00}, however, my outstanding debt was {$1900.00} which I have paidon XX/XX/2022. I have attached a copy of my financial statement which includes the debt owed and the payment posting.
Consumer complaint received 2020-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

I refinanced my home and the new servicer ( Amerihome ) has failed to pay insurance via escrow as it is supposed to. I'm going to be dealing with a cancellation in a few days if they don't take care of the problem, but their customer service is functionally unreachable ( it disconnects me after I called and spent half an hour on hold ). 

I don't believe I have any right to change servicers, but these guys are wildly incompetent/failing to provide essential customer service.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Acct number 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 XXXX XXXX  Acct number XXXX