davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (LA)

We have received mail, email and phone calls to refinance our loan constantly. At one point we were told if we didnt that they would sell our loan so we did it. This is the third time were having to do this. We have called and left messages for two loan officers many many times, weve email the loan officers, we have tried calling the mortgage company customer service and got no response what so ever they have a recording basically saying they are to busy. I email their messaging center and they always respond if you havent received a call in two days let us know and when we do let them know nothing is done they say give another two days. This is absurd we had a natural disaster, hurricane Ida. Weve never been late on our mortgage weve never had a forbearance request at all. It shouldnt be this hard to reach someone. They had a closing officer call us to close on our loan but the hurricane hit and we were without power for over a week and so as she. No one has reached out to us or returned calls. Someone needs to be held accountable!! This is a superb way to treat your veteran customers.
Consumer complaint received 2018-01-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I had my cash back rewards set to automatically redeem at the end of each month and go into my Bank of America savings account. The problem started when I closed this savings account due to high minimum account balances and high fees. 

When I closed my savings account I changed my preferences online so that my credit card rewards were not automatically redeemed each month. I also called the bank to close the savings account and specifically asked if there was anything else I needed to do to make sure the credit card rewards would not be automatically redeemed to a closed account. 

I closed the savings account in XXXX 2017. Each  month since then, my credit card rewards show a XXXX  dollar balance and it says the rewards were redeemed. It does not show which account the money went to. I call BofA and explain the situation. Each time they assure me it will not happen again and that my cash back rewards are not set to automatically redeem. 

The cash back rewards are not insignificant amounts for me. Since XXXX 2017, they have " lost '' a few hundred dollars of my cash back rewards. When I bring it to their attention they " find '' it, but if I am not paying attention and continually following up with them I fear they will not fix the situation.
Consumer complaint received 2022-03-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: International Recovery Associates, Inc. (NY)

I recently found out that I have a medical account in collections which was a surprise to me given I have insurance. I also learned that this debt was having a negative impact on my credit report as I am pursuing homeownership at the moment. I reached out and paid the collection balance in full where i was told that doing so they would remove the account given i was never aware of this debt and had I been it would of never made it to collections. 
That said the account was paid in full a month ago and I was never sent a letter of satisfaction for the account nor was it removed just updated to paid in full.
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NC)

I have reached out to XXXX to discuss inaccurate posted information that has been reported to my credit bureau ( s )  with no actions taken to correct the inaccurate information by XXXX. 

My student loans have been unfairly and inaccurately posted 90 days late to all 3 credit bureaus and XXXX will not remove the incorrect information after numerous phone calls and letters being sent to the XXXX credit department. 

I feel that my loans have been unfairly and inaccurately reported because I was never notified via US Mail nor telephone call by XXXX. My loans have always been in deferment since my departure from University due to health issues related to me being confined to a XXXX and issues surrounding my XXXX XXXX injury. 

XXXX is saying I was 90 days late and the only reason I found out about this information is that I was alerted when my credit score dropped over 390 points one day.  Unbeknownst to me, XXXX is stating that the sent me a message to my inbox on XXXX website. I do not check this website ever, never have. And no one has ever told me that I need to check this website on a monthly basis to check the status of my account with XXXX. 

XXXX unfairly reported me to the 3 major credit bureaus and has ruined my credit to the point I may not be able to move from one apartment to another this summer when my lease is up. My score went from a XXXX to XXXX overnight because of their unfair billing tactics and failure to properly notify me that my loans were no longer in deferment. 

Since the unfair credit reporting incident. I have filed multiple applications with XXXX in order to get my account back into deferred status. This process is lengthy and time-consuming and all computer-based meaning you are unable to speak directly to a human being in regards to the status.You just have to wait. This unfair process caused me to accumulate more late months because their process is slow and unfair. After three months of trying to get my accounts current and back into deferred status, I was denied and I was able to submit an Income-driven repayment plan of which I was ultimately approved for. Monthly payments are now {$0.00} for the next 12 months based on my current income. 

I reached out to XXXX and told them about the inaccurate reporting and they have denied multiple requests to withdrawal their inaccurate and unfair reporting to the credit bureaus and I feel this is completely unfair. 

Please assist me in having XXXX remover the Negative reporting for all of my loans that have been reported to ; XXXX, XXXX, and XXXX. 

Thank You XXXX XXXX
Consumer complaint received 2017-12-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported an unpaid medical debt to the 3 major credit reporting agencies. I recently was denied an extension of credit because of this information. I have contacted this company at multiple addresses since as early as 2016 and they refuse to validate the debt. 

I went to the hospital that allegedly provided services to me and the date of the services allegedly provided was a date that I could not have been provided services as I was in California. 

This company is reporting the false debt under 2 different names.
Consumer complaint received 2018-01-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC (OH)

XX/X/2016 After repeated calls I asked the manager of XXXX XXXX XXXX to not call my work and gave my personal cell phone number. Reminded them that the fair trade commission established the fair debt collection practices act and under this act it states that after I have given them a oral warning not to call my work its consider harassment and if they continue to call my work I can seek legal pursuit after them.I have now documented and my front office has documented several times they have been calling my work number. They do n't seem to understand and continue to harass me and now I might lose my job because of it.
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I never made a payment to  XXXX   XXXX   XXXX . They are a  3rd  party collector who is ballooning a debt that they bought from  XXXX   XXXX . They are also re aging the debt.
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I never made a payment to  XXXX   XXXX   XXXX . They are a 3rd party collector who is ballooning a debt that they bought from  XXXX   XXXX . They are also re aging the debt.
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/XXXX i was apartment searching and i was denied for a property because they told me i had an eviction after trying to explain it was n't me i still got denied they then told me on my XXXX report it was reporting two different but similar names : also address that do not belong to me after getting my credit report i then seen in fact what was told to was true. i then contacted transunion sent proper identification drivers license, social security card to prove in fact that was not me. i was assured that it was removed. Im apartment searching again just out of curiosity i log in an what do i see again that same name and address that i thought were removed around XX/XX/XXXX. This false inaccurate information hurts me from living where i choose to live, and damages my name. i need it off my report for good this time as they promised in XX/XX/XXXX.
Consumer complaint received 2018-01-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

I have been getting harrasing and repeated phone calls from portfolio recovery. They have even gone as far as calling my elderly mother out of state telling her if i dont return there phone calls i would be issued a warrant and arrested.when i returned there call to the phone number provided to my mother and sister and brother which portfolio recovery had called and harrased as well looking for me they pretended to be with a department of justice and they were issueing a warrant for my arest if i didnt make a payment. I requested the information for which the debt pertained to they told me they couldnt tell me. I have asked them to stop harrasing me several times there taticks are rude and un called for.i have a recording of a voicemail left from portfolio recovery that contained a conversation that the representivies were having admitting to theft the representive was unaware he didnt hang up the phone and left the msg on my voicemail. I have some credit card debt ive told them as soon as i could pay any of it i would at my earliest convience. The calls still keep coming ive talked to supervisors in portfolio recovery and they are just as rude and degrading they make you feel like my debt is a drown on them personally and they are just all out disrespectful. They call all hours of the day and even got calls as late as XXXX.
Consumer complaint received 2017-12-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

My husband and I requested a deferment through XXXX XXXX and they told us what we needed to pay and when in order to obtain the deferment on the payment. They sent us an agreement which we signed and mailed back. We have paid exactly what they told us to and when to pay it and now they have reported lates on our credit and stated that they did not receive the signed agreement back within 10 days so the deal is null and void. This is NOT acceptable. We mailed the agreement back and its not my fault if they did n't get it. We paid the terms as agreed as we were instructed. They need to honor the agreement, reverse the additional late fees, etc. and correct the negative reporting to the credit agencies. I could see it if we did NOT pay the agreement as required but we did. This is the holiday season and I am sure the post office is buried and the signed and executed letter is either lost or delayed due to the volume of mail that goes on at this time.
Consumer complaint received 2017-07-11
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Selene Finance LP (CA)

I, XXXX XXXX, ( XXXX ) XXXX, have a complaint on record with C.F.P.B., on Selene Finance, LP. THIS IS NOT A DUPLICATE. This SEPARATE COMPLAINT involves Selene Finance letter dated XXXX XXXX, 2017, addressed to C.F.P.B. the second page under " Enclosures '' fraudulently states the following : " Note '', " Deed of Trust '', " Notice of Assignment, Sale or Transfer of Servicing Rights ''. All of which DOES NOT EXISTS. <P/>Please create a separate complaint against Selene Finance & research specialist- XXXX XXXX . <P/>Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (DC)

Store credit card : Macy 's. I was late making a payment of {$1600.00} to may my Macy 's card account. Macy 's rightfully charged an interest fee of {$18.00}. That payment arrived a few days late, but I was not aware that it was late. Macy 's charged another {$18.00} late fee. I can understand that. However, I have been regularly logging into my Macy 's account to ensure that no payments are due, and each time my online account reports " Statement Balance : {$0.00} '' and " Statement Past Due Amount : {$0.00} '' This made sense to me since I had not used the card since the last payment in XX/XX/XXXX. When I called the Macy 's Customer Service number ( XXXX ), I was told that, once your account goes delinquent, information in your online account is restricted, and the balance due is no longer reported. Had I called the customer service number and requested that balance, then the balance due would have been accurately reported. Had Macy 's simply stated that balance is unavailable online, I would have known to call. To state that current and past due balances are {$0.00} is factually untrue and misleading. This matter has gone way out of hand due to the lack of candor Macy 's demonstrated in the reporting of my account. I believe this to be an action in bad faith on the part of Macy 's. In 2019, it is more common to go online for account information than it is to make a telephone inquiry. Macy 's set a trap for its loyal patrons by tricking them into believing their accounts are current. Today I made a payment in full for the {$99.00} Macy 's states is past due. I also added an additional late fee ( in good faith on my part ) of {$18.00}. I ask that you challenge Macy 's on this unfair business practice.
Consumer complaint received 2017-12-29
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Consultants, Inc. (VT)

We have received multiple telephone calls from a company called " Diversified Consultants, Inc. '' Their number is XXXX. They have called several times and just hung up when we answer the phone. I just called their number and spoke with a " XXXX XXXX. '' XXXX said he was calling for XXXX XXXX and that we were " headed to court. '' I told this XXXX we did not subscribe to XXXX, or rather tried to, but he continuously spoke over me, and refused to listen to me at all. We subscribe to XXXX and have for some time.
Consumer complaint received 2020-10-20
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: EQUIFAX, INC. (WA)

An outstanding balance of {$1100.00}, as reported by XXXX XXXX, has remained on my credit report since XXXX. I have previously disputed this information with Equifax and XXXX, at least twice and, they continue to report. I do not have an outstanding balance. I have done business with XXXX XXXX since that time and, my account was always current and in good standing. Even if there was an outstanding balance from XXXX, it would have been included in a Chapter XXXX bankruptcy discharged in XX/XX/XXXX. Moreover, the reporting has continued far in excess of the seven year timeline as determined by the Fair Credit Act and Federal Trade Commission. Finally, each time I have disputed, the credit reporting agency updates the actual date on file to reflect the same date in which I disputed ; thus, the appearance of the outstanding balance more recent than actual.
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have, in the past, reported to Equifax and the other two Reporting agencies, that they have listed an address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ) which is not mine and never has been, but they continue to list that address as a past address. 

Equifax also lists two mortgages, we only have one for {$250000.00} with XXXX XXXX.
Consumer complaint received 2018-02-15
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. (MT)

On XX/XX/XXXX, I wrote to TransUnion challenging the reporting and compliance of an account on my credit report ; to-wit : XXXX/XXXX. Said account is reporting with incorrect/missing information.

On XX/XX/XXXX I received correspondence from TransUnion, dated XX/XX/XXXX, indicating that the results were " verified and updated ''. No documentation was attached to evidence said reporting.

On my credit report of XX/XX/XXXX, the XXXX/XXXX  account is still reporting with incorrect/missing information.

On XX/XX/XXXX, the Federal Trade Commission issued an Advisory Opinion that evidences TransUnion is in direct violation of Section 609 because it is not providing accurate or clear disclosure of all information in my credit file.
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX XXXX I called in to make my car payment via phone due to having to update my banking information Checkings Account Number and  Routing .... I was speaking with a rep that was not to fluent in English and continuously kept asking her to repeat my account number back to be to ensure accuracy ; however, she would not she just kept stating she had to correct number due to her frustration. 

In turn, I was docked for being late 2 months in a row due to the bank account number not being found upon the company processing the payment ; however, I was not notified until calling in to process another payment. 

I have disputed this information via the CRAs and with the XXXX Executive Relations Department ; however, they are stating that I am responsible for the information the rep inserted even though I clearly asked her multiple time to repeat the account information back to me after multiple attempts. 

I have been a XXXX customer for almost 3 years with no lates until experiencing this issue and everytime I try to resolve the issue I am informed they will no longer investigate because the information is correct even though the error was simply due to an error with the customer service rep.
Consumer complaint received 2017-09-29
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. (CA)

on XX/XX/XXXX my collection account agency submitted an account deletion to EQUIFAX on XX/XX/XXXX it was deleted. On XX/XX/XXXX Equifax decided to reinsert the collection account back on my credit report. I contacted Equifax and they say it is reporting correctly i have the collection agency contact EQUIFAX and EQUIFAX still refuse to delete account.Out of the 3 credit bureaus EQUIFAX is far the worst one.
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MI)

I had a previous mortgage with Wells Fargo. So naturally when I applied for another mortgage, I went to them first. During the Preapproval process I was told my income had been verified, so I didnt need to send in tax returns. 

Once Id chosen a house and provided the team with the purchase agreement the service went downhill. There was little to no follow up. My processor XXXX  was very bad at communicating. I sent her income forms and she didnt turn them into the underwriting team and when she came back with decisions, I could never get the appropriate information from her. 

I, an XXXX XXXX  XXXX, would call her time after time and she wouldnt answer, but always answered for my XXXX XXXX  realtor. Shed promise to follow up and never did. Id even try emailing her boss XXXX, and she never once followed up. 

I never got a final decision on my loan and after spending {$1000.00} for the appraisal and inspection, I had to go to another bank, who financed me with no problem.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$820.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$820.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I've reported unauthorized fraudulent accounts to identitytheft.gov. Associated banks, unable to provide records, confirmed the report 's validity and pledged immediate removal. 
Accounts to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX