davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-16
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. (NJ)

The platinum card ending has been settled on XX/XX/XXXX to the collection agency XXXX has assigned but on XXXX  credit report shows updated on XX/XX/XXXX with balance of {$1500.00}. Are you still going to say that the XXXX is reporting correctly? If you collection agency didnt report to XXXX in timely manner its not my fault. This email is in reference to an ongoing issue. I am very frustrated as I have been going back and forth with your XXXX XXXX and sadly no concrete outcome has been made. Please see the attached documents from both credit bureaus Experian and XXXX  that show XXXX XXXX reporting incorrectly missed payment when there is no balance due. 

I request you to please research the incorrect reporting from XXXX XXXX 's end and help resolve this issue. Unfortunately, reaching out to the credit bureau directly is not solving the issue because I am being told that the discrepancy is from XXXX XXXX end. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX account on Experian shows completely wrong information as these account were opened up on XX/XX/XXXX and charged off on XX/XX/XXXX and as per the details provided by XXXX representative but on the credit report it missing the payment history from XX/XX/XXXX through XX/XX/XXXX, This account was fully paid in XXXX and reported to Experian as paid in full but is still showing negative for the month of XX/XX/XXXX which is an error. 

XXXX : XXXX XXXX Cash card is still showing on XXXX  as charged off but no update on to the payment status being paid in full and after speaking to the XXXX 's representative today they advised me to check directly with XXXX XXXX because only XXXX could send the update as charge paid in full. 

XXXX XXXX XXXX card is still showing on XXXX  as charge off but no update on the payment status and showing the major delinquency in XX/XX/XXXX. 

In summary, I am requesting you to look into the matter on an urgent basis because due to these error reports by XXXX I am hurting both mentally and financially. 
I am requesting you to please assign someone to handle all these issues and send me an update by fixing or removing from the credit report. 

Please feel free to forward this to the correct
Consumer complaint received 2015-08-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

We have been trying to do a short sale on our home for quite awhile now. Originally the short sale was countered by XXXX XXXX XXXX with no requests for contribution and the Investor previously did not asked for a promissory note. The loan servicing was transferred to Seterus and now the Servicer is asking for a promissory note for an additional XXXX which supersede the amount owed on the First Mortgage. The purchase price is XXXX, the balance owed on the First mortgage is XXXX plus late fees and attorney fees. The Servicer/lender has not paid the property 2014 taxes which they are obligated to do as per their servicing agreement and they also refused to pay the FULL back HOA dues. This request for a promissory note seems to be a common thing from Seterus on short sales. Please review their prior closed short sale files for verification.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2020-10-16
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. (NJ)

The platinum card ending has been settled on XX/XX/XXXX to the collection agency XXXX has assigned but on Equifax credit report shows updated on XX/XX/XXXX with balance of {$1500.00}. Are you still going to say that the XXXX is reporting correctly? If you collection agency didnt report to XXXX in timely manner its not my fault. This email is in reference to an ongoing issue. I am very frustrated as I have been going back and forth with your XXXX XXXX and sadly no concrete outcome has been made. Please see the attached documents from both credit bureaus XXXX  and Equifax that show XXXX XXXX reporting incorrectly missed payment when there is no balance due. 

I request you to please research the incorrect reporting from XXXX XXXX 's end and help resolve this issue. Unfortunately, reaching out to the credit bureau directly is not solving the issue because I am being told that the discrepancy is from XXXX XXXX end. 

XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX account on XXXX  shows completely wrong information as these account were opened up on XX/XX/XXXX and charged off on XX/XX/XXXX and as per the details provided by XXXX representative but on the credit report it missing the payment history from XX/XX/XXXX through XX/XX/XXXX, This account was fully paid in XXXX and reported to XXXX  as paid in full but is still showing negative for the month of XX/XX/XXXX which is an error. 

Equifax : XXXX XXXX Cash card is still showing on Equifax as charged off but no update on to the payment status being paid in full and after speaking to the Equifax 's representative today they advised me to check directly with XXXX XXXX because only XXXX could send the update as charge paid in full. 

XXXX XXXX XXXX card is still showing on Equifax as charge off but no update on the payment status and showing the major delinquency in XX/XX/XXXX. 

In summary, I am requesting you to look into the matter on an urgent basis because due to these error reports by XXXX I am hurting both mentally and financially. 
I am requesting you to please assign someone to handle all these issues and send me an update by fixing or removing from the credit report. 

Please feel free to forward this to the correct
Consumer complaint received 2020-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (FL)

The collection agency below was not updating payments submitted directly to XXXX XXXX and reported the account as unpaid. Account was under payment plan with XXXX XXXX directly. 

SEQUIUM ASSET SOLUTIONS INC XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX The report is inaccurate and XXXX  XXXX  has already contact them to resolve the issue and remove the incorrect report.
Consumer complaint received 2024-03-29
Product: Credit 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: U.S. BANCORP (IL)

XXXX XXXX XXXX XXXX XXXX was temporarily living at my house. He obtained my credit card and assumed my identity while I was at work. He used this card to make a {$9900.00} payment to his business, XXXX XXXX, without my consent. XXXX was at no time an authorized user on this card. I have filed a complaint with both the credit card company and the sheriffs office. Police report is attached as is ( current and ongoing ) credit card company correspondence. 

I had attempted to collect on the financial trespass / fraud directly myself, verbally without contract. After a {$3000.00} payment was made by XXXX XXXX to XXXX XXXX XXXX, he left my home. I have had no further contact with him. There has been zero attempt to reconcile this fraud on his part. 

XXXX XXXX  card issuer ELAN Financial Services sent a letter stating that my fraud claim was denied due to the transaction being made by an authorized user, XXXX XXXX. However, upon being questioned over the phone, ELAN has also stated that no user other than myself has been added to this account at any point. No record exists of there ever having been another authorized user than myself. I started an online cardmemberservices profile on XX/XX/2024 to verify, and indeed there has never been any user authorization on this card other than myself. ELANs fraud department stated that because I know the unauthorized individual, I am responsible for the balance even though they admit I did not make the purchase nor the {$3000.00} payment. 

This was a fraudulent transaction made by XXXX XXXX and I am not responsible for the outstanding balance.
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (GA)

My credit card has been used repeatedly without my permission. Fraudulent charges have come up on my account. People call the house claiming to be representatives that are going help resolve the situation but nothing changes and now one account has gone to collection. Ruining my credit, reputation. And way I supplement my income. I am a XXXX XXXX XXXX man that does travel outside of Georgia. I do mot charge XXXX, dinners, travel hotels apartments. I only made a little over {$17000.00}. I have never been to California. I want this fraud to stop and persons caught. I want this account closed. Reissue another card that cant be scammed.
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ZIONS BANCORPORATION (AZ)

XX/XX/XXXX I made one credit card with National Bank of Arizona. I received a credit card ending with XXXX around XX/XX/2020. I start purchases with this credit card. 

On XX/XX/XXXX I made a payment from my business bank with NBAZ of {$1000.00}. statement reads " CREDIT CARD ECS XXXX XXXX CONTROL REF # XXXX {$1000.00} '' On XX/XX/XXXX I noticed that I had 2 accounts for the same credit card, one ends with XXXX XXXX ends with XXXX, that also had the same balance for the same transactions. I brought this up with my banker over email and was told it would be taken care of. 

" Hi XXXX, The card ending XXXX is the control account, which you will not have a card for, they shouldnt have set up your account this way. All balances roll up to the control account. ( This is more for businesses that have several cards for their employees. ) I will have them delete the control account so that you just have the one card, it wont be so confusing then. I will find out when that card is closed. '' The account ending with XXXX was then closed ( I was not told the date nor given a statment or anything by mail ) I must assume it was closed on XX/XX/2020 as this the date I received a statement on my account ending with XXXX stating " TRANSFER BAL FROM CARD XXXX {$1700.00} '' Not only this but I have no record of the {$1000.00} on my credit card payment history ending with XXXX. BECAUSE THEY PUT IT ON MY DUPLICATED ACCOUNT ENDING WITH XXXX AND THEN DELETED IT. 

Thus, I have been double billed XXXX on the account ending with XXXX and paid {$1000.00} on a control account ending with XXXX that should have had the payment transferred to the account ending with XXXX to the account ending with XXXX with my CC account with NBAZ. 

In total I have been cheated {$2800.00} from my CC with NBAZ.
Consumer complaint received 2016-08-12
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (SC)

I signed up for an American Express Platinum card that promised a XXXX point signup bonus when a spending requirement was met. This offer was publicly available on the Internet. After reaching the required spending amount, my points posted. Shortly after this, my reward account was frozen by American Express with no written notice. The only way I found out the account was frozen was by attempting to make a points transfer. After this failed I contacted the company. They stated that the account was frozen pending a review that would be completed in 6-8 weeks. After waiting this period of time, I tried another transfer. This transfer was declined as well due to the account being frozen. I have paid off the balance of this account as well as the {$450.00} annual fee. There was and has been no notification from American Express to me about the freeze of my rewards account or when the freeze will be released. American Express is electing to audit this account, freezing my ability to use my earned reward points. I feel that they hooked people into signing up for the {$450.00} card with an offer and did not deliver what they promised.
Consumer complaint received 2023-03-16
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. (CA)

On XX/XX/22 I sent a dispute letter to EQUIFAX via certified mail and return receipt notifying them that there was a fraudulent account reporting on my credit report and they were to remove it immediately as it was causing me and my reputation severe harm. This account is XXXX XXXX ending in XXXX.EQUIFAX did not comply. I then filed and sent EQUIFAX an FTC Identity Theft Report on this account and attached a copy of my ID, a copy of my social security card and a copy of a bill showing my address. Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, EQUIFAX had 4 business days to remove the fraudulent account from my consumer credit report. They complied this time. It was then REINSERTED and stated that EQUIFAX " verified the account was accurate ''. I then sent EQUIFAX a SECOND FTC Identity Theft report and aforementioned accompanying documents. EQUIFAX continues to report the fraudulent XXXX XXXX account ending in XXXX. In order for EQUIFAX to " verify an account is accurate '', they are to- BY LAW- send me an Affidavit of Verification signed and sworn under oath that the account is in fact accurate. They failed to do so. I have lawfully done everything I needed to exercise my federally protected consumer rights and EQUIFAX continues to violate my rights.
Consumer complaint received 2020-11-26
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$440.00}, {$5800.00}, {$11000.00}, {$690.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account.
Consumer complaint received 2015-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (TN)

This is my third complaint against Seterus, a mortgage company. In XXXX 2015 my XXXX mortgage account was transferred to Seterus " in arrears '' with " funds held in suspense ''. In XX/XX/XXXX XXXX finally admitted in a letter to me and to Seterus that this was their mistake, not mine. My XX/XX/XXXX payment had been misapplied. The attached letter from XXXX received in XX/XX/XXXX further clarifies that my account was current when transferred to Seterus. All mortgage payments to Seterus since XX/XX/XXXX have been made on time or early. After three months since XX/XX/XXXX explained to Seterus that my account was never delinquent, Seterus has failed to acknowledge this, and is still billing me for past due payments! Seterus is a TERRIBLE and INCOMPETENT company. I have never been given a case-worker as I was by XXXX. I have been treated disrespectfully by Seterus phone representatives. I have spent hours making phone calls, writing letters, sending faxes and emails with copies of checks documenting my on-time payments since XX/XX/XXXX! I demand that Seterus bring my account to " current '' status, and repair all damage to my credit rating!
Consumer complaint received 2020-10-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Michael Wayne Investment (VA)

I lost my job in XXXX due to the coronavirus and was not able to get unemployment I been filing and calling and appealing my claim but still no money I lost my house and staying with my parents I told this company that and they have a device on the car to stop it with no payment. Do they stop my car I told them that I finally found a temporary job its temp to hire and it starts this Monday XX/XX/XXXX I sent the email and ask please send a signal to my call so I can go sign my paperwork to start they told me Im behind on my note and that they would not be able to send the signal unless I pay XXXX dollars I cried on the phone begging and pleading eith them I told them I didnt have it that my family has helped me since XXXX I can give them XXXX dollars and with my fist check in XXXX I could pay XXXX every two weeks they told me no and the guy XXXX was very rude abs belittling and I ask to speak to the manager XXXX and he told me she was in a meeting and that the information came from her I cried I said please let me talk to her he told me she would call me after the meeting its now XXXX on Friday XX/XX/XXXX I guess shes still in the meeting this is the worst company to get a car from I will never do business with them again I told them to come get the car I have been through too much this year I lost my XXXX to the XXXX  and I lost my XXXX  to XXXX/ the XXXX  I lost my house my job and now my car
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (AR)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

Equifax conducted an investigation on XXXX XXXX, 2015 on report late payments from a creditor that were incorrect. ( XXXX XXXX XXXX ) - the very next day I received results stating that the historical information was deleted from my profile. To date, the report has not reflected the change.
Consumer complaint received 2016-03-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

MY house was foreclosed and sold and now own supposed to be by XXXX XXXX XXXX, now CARRINGTON PROPERTY SERVICES sent me a letter it is not my property anymore.I have the original DEED OF TRUST, and XXXX XXXX XXXX . 
can not VALIDATE my loan # XXXX.
Consumer complaint received 2015-12-03
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (MD)

I full paid the balance over {$10000.00} to Lowe's/Synchrony Bank last year to close the credit card account. That was the condition to get equity loan from Embrace Home-loan. 
The Lowe's/Synchrony Bank has never mailed the next month statement, and the following statement shows the account is open and there is {$35.00} interest from XXXX balance. 
I had called for the complaint, and the bank said they will review. However, the bank keeps ask me about paying {$35.00} for settlement. Now XXXX XXXX asks me about {$790.00} for settlement, otherwise the company will lawsuit for that.
Consumer complaint received 2020-11-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I have contacted Portfolio Recovery Associates multiple times thru certified mail in seeking a validation not verification of a debt supposedly owned by me on XX/XX/20, XX/XX/20, and XX/XX/20. I have received no validation that the debt they are trying to collect on belongs to me. They are still continually illegally reporting on my credit report since they have failed for 7 months to validate this date. I will be taking them to small claims court if their illegal reporting continues and for defamation as they are continually trying to ruin my credit. Attached are all the letters i have sent to this company and received no validation or response in return. I have the certified letter receipts that I will be bringing with me if i sue this company if we can not get this fixed by this complaint.
Consumer complaint received 2015-11-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (MS)

I am a member of Wells Fargo. I have noticed that on several occasions they would take the money out of my account only to put it back in there the next day. Example if I purchased a room on Tuesday they would take the money out and the next day putt the money back in the account. At first glance I thought that it was the merchant doing this, however, I was completely wrong. They did this with my phone bill and with my hotel purchases. They would take it out and put it right back in the next or same day. My checking account was over drawn in the amount of XXXX. That made my rent late, and my car note late as well. At first glance I thought it was me but it could n't be I only use my card for major purchases. Wells Fargo has taken my whole check saying it was nsf fees but how when I only use it for major purchases and deducte it from my account. I am appalled and vey disatifed. What am I to do?