davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-19
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-10-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MN)

I called the US Department of Education at XXXX. The recording said XXXX XXXX executive order is suspending all payments at until XX/XX/2020, However, I have negative remarks on my credit regarding this. It is very disturbing because I was trying to resolved this through the Income Base Repayment Program because I am unemployed. This program update the credit as payment in good standing. Also, if payments are suspended why I am being punish if they are not accepting payments.
Consumer complaint received 2022-04-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Better Mortgage, Inc. (WA)

Records show my XXXX XXXX bankruptcy with a date of XX/XX/XXXX and its impacting my credit. Ive applied for several loans, credit cards and a refinance of my home and not letting me get these lans because of it. Its almost XXXX  years ago and it has an adverse effect to my credit score. It keeps popping up on my credit report as a negative. 
I also a XXXX XXXX  dated for XX/XX/XXXX thats negatively effecting my credit. Its also popping up as a negative on loan applications. The loan agencies Ive connected with all say the 2 issues above are connected somehow. 
Can you please help me with this matter? 
Im attaching the bankruptcy discharge, XXXX XXXX showing a zero balance. Please help me resolve these issues.
Consumer complaint received 2020-10-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I called the US Department of Education at XXXX. The recording said XXXX XXXX executive order is suspending all payments at until XX/XX/2020, However, I have negative remarks on my credit regarding this. It is very disturbing because I was trying to resolved this through the Income Base Repayment Program because I am unemployed. This program update the credit as payment in good standing. Also, if payments are suspended why I am being punish if they are not accepting payments.
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The account in discussion is Capital One/Saks the issue at hand is a late reporting in XX/XX/2020, Back in XXXX I was sick with XXXX I tried calling to defer the payment and could not reach anybody atCapital One/Saks. When I was well enough to work I did make the payment immediately.
Consumer complaint received 2022-04-06
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: Experian Information Solutions Inc. (TX)

Hi, My name is XXXX XXXX please see all enclosed documentation that all 3 bureaus failed to respond to and on. Enclosed is FTC complaints and reports regarding delinquent accounts posted to my credit report along with no response that has been included within 30 days.
Consumer complaint received 2022-02-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

Accounts Reason This collection is not my account. 

XXXX XXXX XXXX  This collection is not my account. 

XXXXXXXX XXXX XXXX XXXXXXXX I never made a late payment on this account, please correct. 

XXXX XXXX XXXX XXXX  I never made a late payment on this account, please correct. 

XXXX XXXX XXXX XXXX XXXX I never made a late payment on this account, please correct. 

XXXX XXXX XXXX XXXX  I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Consumer complaint received 2019-11-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (CT)

There are two medical bills from XXXX Hospital, one from XX/XX/XXXX and one from XX/XX/XXXX that is now in the hands of Eastern Account Systems a collection agency. This hospital either failed to submit to the insurance companies or is trying to get paid twice for the same bill. I never received a bill from the hospital for services stated above only an invoice from the Collection Agency dated XX/XX/XXXX. My insurance companies of XXXX and XXXX would of covered the services on the dates mentioned above. Now I have a Collection Account on my credit reports from the shady Eastern Account Systems. I was forced to hire a Financial Consultant to assist me with this scam company. They refused to work with him stating they " are not authorized '' to speak with a third party. Who gives them such authorization? It cant be me since technically its not my account and they are not even authorized to speak with me since there is a cease and desist order! All this company did was send me a shady so called " invoice '' that looks made up and is not even verifiable.
Consumer complaint received 2020-10-12
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. (AL)

XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Hi there, I was one of the ~150 million affected by the XXXX breach. This was my experience trying to clean up the mess for myself. 

1. I was not personally informed that I was affected by the breach, despite the urgency and danger of the situation. 
2. XXXX XXXX language is vague and misleading. Something along the lines of " you may have been affected by the breach ''. They need to own up to it and say yes, go protect yourself, or no, you 're fine. 
3. When trying to fix the problem at both XXXX and TransUnion, their credit monitoring product is pushed. The bureaus are making money off of this breach because people are ( rightfully ) scared 3. I tried to place a credit freeze at all three agencies online. At the end of the process every single one said " we are unable to process this request '', or something similar. 
5. I have a {$10.00} charge from XXXX on my bank account for the freeze despite the request not going through. 
6. I tried to do the freeze via the automated phone systems at all three bureaus with the same results. None of them went through, and XXXX XXXX line is truly awful. There are silences of 45 seconds between questions and confirmations, and the next step. 
7. I spent my morning gathering the documentation needed to mail in the freeze requests. I spent my lunch break going to the post office and spent {$40.00} on postage for certified mail, money order fees and the fees for XXXX and TransUnion to freeze my credit.
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX reported a charge off account when payment was made before the normal 120 days of charge off.
I submitted details of payments and a bank statement for payment that was not credited and resulted in the charge off XXXX XXXX refuse to recognize their mistake.
Consumer complaint received 2022-04-06
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. (MS)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions
Consumer complaint received 2020-10-12
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)

XXXX XXXX I signed with debthelpers in XXXX at which time XXXX XXXX   agreed to the payment contract terms. Payment is made every month on the XXXX, due to the 30 day rotation for the month of XXXX the payment was received XX/XX/XXXX although the month close XX/XX/XXXX. XXXX proceeded to report an increase to my balance of {$13.00} and a late payment, there fore diminishing my credit score. Prior to signing with debthelpers all my payments had been on time and paid in full now my credit is showing a derogatory credit history for XXXX. I have tried calling several times, sat online with the online help and nobody has offered a resolve, I have worked at being pro-active to find I am being challenged by the reps specifically a gentlemen by the name of XXXX XXXX. I have asked to have the billing date changed to avoid further issue and all I am told is they can't do that I have to go back to XXXX and ask them to adjust the contract ( already agreed by Citi ) and there are approximately eight credit accounts on the same contract with XXXX, no other creditor has an issue. I have spoke with XXXX XXXX, XXXX XXXX, XXXX, XXXX, a XXXX and at through the online chat 6 other individuals. I have used the automated phone system and been hung up on by it at least 12 different times saying " do to unforeseen circumstances there is no-one to answer the call '' disconnect.
Consumer complaint received 2020-10-12
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 XXXX I signed with XXXX  in XXXX at which time XXXX XXXX  agreed to the payment contract terms. Payment is made every month on the XXXX, due to the 30 day rotation for the month of XXXX the payment was received XX/XX/XXXX although the month close XX/XX/XXXX. XXXX proceeded to report an increase to my balance of {$13.00} and a late payment, there fore diminishing my credit score. Prior to signing with XXXX  all my payments had been on time and paid in full now my credit is showing a derogatory credit history for XXXX. I have tried calling several times, sat online with the online help and nobody has offered a resolve, I have worked at being pro-active to find I am being challenged by the reps specifically a gentlemen by the name of XXXX XXXX. I have asked to have the billing date changed to avoid further issue and all I am told is they can't do that I have to go back to debthelps and ask them to adjust the contract ( already agreed by XXXX ) and there are approximately eight credit accounts on the same contract with XXXX, no other creditor has an issue. I have spoke with XXXX  XXXX, XXXX XXXX, XXXX, XXXX, a XXXX and at through the online chat 6 other individuals. I have used the automated phone system and been hung up on by it at least 12 different times saying " do to unforeseen circumstances there is no-one to answer the call '' disconnect.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021 requested to update Automatic Transfer Authorization on my existing loan with Wells Fargo. I received the form from Wells Fargo on this date. I faxed the form in on XX/XX/2021 and received verification that the form was received. I understand that it may take one billing cycle for this change to happen. It is now XX/XX/2021 and Wells Fargo still hasn't updated the account. 

I called Wells on XX/XX/2021 and Wells informed me " there is no way we can check to see if we received the fax you just have to fax it again ''. I informed them I have the confirmation that the fax went through but Wells Fargo 's response was just to resend it again. Wells Fargo assured me that once received it would be processed in 1-2 business days.

I submitted the required form and Wells fargo is not honoring their own form and informing me they cant even verify if they ever received it or not.
Consumer complaint received 2024-05-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Opened a new credit card account XXXX, XXXX  with Bank of America ( hereafter referred to as BA ) and immediately set up auto-pay. A few months went by using the BA card and noticed a late payment fee and then another. Tried to call the BA many times and couldnt get through to anyone due to new automated phone system. Suddenly received notice from a credit monitoring service of a change of my credit report due to late payments to the BA credit card. I contacted BA online chat to verify auto pay and they said it failed the first time, so we set it up. The chat agent agreed to try to reverse the late charges. Note I still never received any email, text, phone call or USPS mail from BA to warn me of any late payment or that they would hurt my credit reports. After finding out my credit score has been reduced from XXXX to XXXX, I chatted and called BA several more times to request correction. One phone rep in XXXX basically said tough luck and it was my fault because auto pay takes several months to activate. I explained to her I should have been told about that and she insisted it was still all my fault. I asked to speak to a supervisor and she refused, citing the back office said it's all my fault. I ended to call to accept the next phone rep calling me and she seemed happy ; the next rep said he would send letters to the credit reporting agencies to try to fix the issue and send me a copy. The copy I received essentially said BA refuses to correct the problem based on their investigation. 

I am XXXX, honorably served in the military, am now a XXXX veteran and have never experienced anything like this with the dozens of other financial accounts Ive dealt with and have been a BA customer for XXXX years. I have worked hard to be as responsible as possible for many decades to achieve an XXXX XXXX and BA basically screwed me over and damaged an important part of my life, a great credit score.
Consumer complaint received 2024-04-29
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Diversified Adjustment Service, Inc. (CA)

Diversified Adjustment sent harassing letter alleging a false debt. I let them know that no debt existed and demanded they validate it. In addition, I gave my USPS mailing address as the means to contact me about it.

https : //www.diversifiedadjustment.com Diversified Adjustment made no communication regarding their intent to harass me and list a false or alleged debt, no validation causing intentional and undue emotional distress.

Upon removal within 48 hours, they may send a discounted payment to my mailing address for {$470.00}.

Diversified Adjustment sent this and/or similar info to credit agency or agencies : Collection AgencyDIVERSIFIED ADJUSTMENTS Original Creditor NameXXXX XXXX Date AssignedXX/XX/XXXX Original Amount Owed {$310.00} Amount {$310.00} Status DateXX/XX/XXXX StatusUNPAID CommentsXXXX Balance DateXX/XX/XXXX Account Designator CodeINDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor ClassificationXXXX  Last Payment Date Date of First DelinquencyXX/XX/XXXX ContactDIVERSIFIED ADJUSTMENTS XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX
Consumer complaint received 2020-10-23
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. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX # XXXX. The dates were XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX the dates were XXXX 2020 my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.
Consumer complaint received 2017-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

After a declined charge attempt for {$3.00} on my citibank mastercard on Thursday XX/XX/XXXX, I went online to look at the status of the account and saw that it had been closed. The account, which I 've had for about 20 years has always been in good standing with on-time monthly payments. The last ( minimum due ) payment was made on Thursday XX/XX/XXXX for {$360.00}. The balance after that payment was {$13000.00}. I called customer service and was automatically routed to the recovery department. After authorizing them to remove a " Cease and Desist '' order to communicate with me, They claim to have received a letter on XX/XX/XXXX ( from a firm that I employ to do all my bookkeeping and tax work ) requesting a " cease and desist '' of all communication between Citibank and me, and to close the account. Inexplicably, the account was closed on XX/XX/XXXX, ( the day following the last payment ) 6 months after this letter is alleged to have arrived The firm in question, XXXX XXXX XXXX has flatly denied ever sending any such letter, reminding me that they are not authorized to speak to Citibank or make any changes to the account. The Citibank rep was not able to produce a copy of the letter or to provide a name of an individual who authored it. They referred me the collection agency Citibank has engaged to work out a payment plan. Again, the account has never been in arrears and timely monthly payments have been made and posted to the account each month. The Citibank rep confirmed the balance on the account is now {$17000.00}. I have not made any charges since the last payment was made. The credit limit on the card is {$17000.00}. I, nor anyone on my behalf ever authorized or requested a cease and desist of communication or that the account be closed. I am in the process of obtaining digital copies of all recent statements and payment activity.
Consumer complaint received 2019-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (FL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

My homeowner mortgage is with Shellpoint Mortgage Servicing. Prior to XX/XX/2020, I have been receiving my monthly statements from Shellpoint by U.S. Mail. I have been paying my monthly mortgage to Shellpoint by U.S. Mail as well.

Suddenly and without notice, Shellpoint stopped mailing my monthly mortgage statements. Each time I called and spoke with a representative ( including supervisors ) about the problem, they never indicated that Shellpoint has done away with mailing monthly mortgage statements. Each time I inquired about the reason why I am not receiving my monthly statements via U.S. Mail, Shellpoint has not been forthcoming in explaining.

My complaint is about the fact Shellpoint stopped mailing monthly statements without prior notification. My guess is, going forward, Shellpoint wants every transaction executed online instead via U.S. Mail. If this is the case, they should notify their customers in advance and not deceive them.