davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

I received a letter from an attorney 's office saying they took over my XXXX account so I faxed in the letter asking for them to remove the XXXX account off my credit report since the account is no longer with XXXX and the new creditor is not reporting it at this time. They updated the balance and still have it showing from XXXX even when I submitted documentation. XXXX can not report an account they no longer have. Equifax is the only credit bureau who does n't do what they are suppose to do. Even with My XXXX XXXX account they have never been able to validate the account only the original creditor who is not reporting. By law the collection agency has to have documented proof. Equifax needs to remove this account off my credit report like the other CB. I 'm going to start notifying the press and whoever else that will listen because apparently they do n't know the laws for reporting and validating.
Consumer complaint received 2017-05-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (TX)

I was askin g for Loan Modification and Ocwen was always sending me Pay off Qoutes. I enclosed under your discretion that the L oan I originated from them since  XXXX   XXXX ,   XXXX   was {$140000.00}. From that date up to present is 149 months, multiple by {$1100.00} every month that I paid them for mortgage every month. I paid the bank so when multiple by 149 months ; I already paid them {$170.00},  XXXX   XXXX  dollars all in all up to this date. Attache d is Ocwens p ay off valid through  XXXX   XXXX . Please analyze the following invalid descriptions on Ocwens Pay off Quotes such as Suspense Credit of {$2400.00}, Escrow Advance of {$6300.00}, these are not  valid Ocwen 's Description expenses. In each Descriptions one by one and the total of amount due is {$130000.00} they want me to pay in total based Ocwens claim. Ocwens Pay off Quote should be corrected in the right way. Ocwen is doing business with their mortgagor like me were faulty and unlawful. I want Ocwen to remove descriptions that are not legal. Ocwen is obliging added invalid fees for me  to pay them more that are not lawful.
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (FL)

I have attempted to submit a complaint with Experian but, they keep telling me they can not release my information and I can not get a representative on the phone. There are several names connected to my social security number that are not mine. My name is XXXX XXXX XXXX. After going to a closing for a recently purchased property they presented me with at least XXXX names connected with my SSN that I had no idea were there. I recently pulled my annual credit report and this information was not disclosed on it. The names listed are any variation of Love XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. My name is XXXX XXXX XXXX. I am sure Experian is the problem but, can not even submit my complaint. Furthermore, I now have to have the documentation from the credit reporting agency that says I am who I say I am before I can get these false names removed from my XXXX account and my XXXX account.
Consumer complaint received 2017-05-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP (PA)

The company sent me a letter that they purchased my debt account from the original company and that they were handling it and that I had 30 days to pay I contacted them told them that I was currently unemployed and that I had no income and here it is one month later and I 'm receiving paperwork to go to civil court over a debt I can not pay because I own nothing and I have no income how can they do this when I tried to explain if I had employment I would be happy to set up a plan but I do n't so how can I pay if I have no money and I live with someone else?
Consumer complaint received 2016-06-04
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (CA)

I have a XXXX XXXX credit card with US Bank. I have been discriminated against. I do n't know why. Around last year, they ended one of the perks that was promised when I signed up for the credit card - it was the book one night get one night free. As compensation for discontinuing this perk, they were crediting account holders with free nights. I thought this was applicable to all account holders so I contacted them to ask why I was n't credited with free nights. They denied giving me any free nights. They provided no reason as to why I was denied. I know for a fact that they compensated other account holders. It 's an arbitrary and discriminatory system as to who they chose to give the free nights to. This should n't be the case since their removal of the perk affected all account holders equally. Unfortunately, I was one of the ones who they felt did n't merit fair and equal compensation. 

I 've been a loyal card holder that has never been late with my payments. I do n't know why I was singled out and discriminated against.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

My wife and I religiously follow the recommendation to check your free credit report regularly. We both get our reports from each agency on a staggered basis so we get a report for  one  of us every two months. For the fourth year in a row now, neither  one  of us has been able to get our report on line from Equifax. Every time we go through the on line request procedure, at the end, we get a message that says, Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. You are then told that you need to fill out a form and send it, and  two  supporting ID documents to them by mail. It has become obvious that they do not want to give out the reports on line. We never have a problem with the other two agencies, so I have come to the above conclusion. When you try to phone in to complain, you are put through phone tree  XXXX , to no avail. This is an abuse of consumer rights. In addition to the wasted time, more paper is consumed in printing and mailing the report. Additionally, our identity is put at risk by having the report, and our documents sent by regular, unsecured mail. Please take action to put a stop to this abuse. Thank You.
Consumer complaint received 2016-10-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp (NY)

Lender is not licensed to do business in the State of New York as required by New York Banking Law Article IX and is charging interest and other fees not permitted under N.Y. Banking Law Article IX and is attempting to use a rent-a-bank ( XXXX ) in an attempt to give its loans an appearance of legitimacy.
Consumer complaint received 2017-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (TX)

I decided to try XXXX services for my wife and I so I purchased phones for both of us. After a day or two of trial we felt unsatisfied so we headed back to the store and we returned all items. We got charged with restocking fees and taxes. Later on I got a bill in the mail in which I was being charged {$1200.00} for the returned items. After several attempts of arguing for about XXXX months about whether I owed XXXX or not I was dismissed of such charges, but a month after I was charged by a collecting company called ERC for {$61.00}. I asked them to explain such charges weather if they were fees or taxes and they we unable to disclose information. Therefore, I asked them to send me a bill in the mail with details about the charges, as well as a dispute package and they told me they would send me a bill. About the dispute part, they said that I needed to call XXXX to discuss the charges with them but XXXX said that I had to discuss this with the collecting company. I never received a detailed statement neither a chanse to defend my self about such charges, I checked my credit score and found a red flag in it because of this. 

I am now hoping you may help me with this case. 

Thanks :
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

This is just an FYI regarding notice we receive from Citibank and my reaponse. 
Hello, I am ok for you not issuing another card, but forfeiting the rewards I acquired from the previous spending before it was closed and 2 weeks before in cashing the reward is suspicious. We can actually almost payoff our citi card with our cash reward of XXXX $ and now we still have a balance because you would not give us the cash reward?? If this is you, for sure you will be upset too because you've been taken advantage! I understand if we are not paying our dues in the card but we are and my score is actually better than the previous year. This is just upsetting. You dont help customers but letting people go more in debt. I hope you learn what customer service is. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (FL)

I can not open with ANY BANK everyone denies me and I have no idea why I've asked and no one wants to tell me what the issue is! I had an identity theft problem and I can only thing I c think of that as being why I havent deposited or less done anything to cause this to happeb
Consumer complaint received 2022-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (IL)

Back in XXXX of 2020 I had my son via csection I went back to work early even after my doctor advised staying out longer to heal and I declined due to bills needing to be paid on time. I had a great paying job and never had issues with paying anything on time until XXXX of 2020 ; a terrible pandemic happened. A week into returning to work I received a phone call with having a 6 week old stating my job was being shutdown due to 5 people contracting COVID and I was exposed to those people so the entire restaurant had to be shutdown until further notice. I still kept on with paying my bills on time without any income coming in being grateful for the savings account I had. Time ran its course and I couldnt return to work until mid XXXX when I received a phone call stating I am able to return to work ; because of this in return bills started piling up. I contacted the leasing manager for Maple Leaf Apartments ( XXXX XXXX ) via phone call which they state all calls are monitored and recorded of my then apartment complex letting him know Ive exhausted all my resources and I asked would there be any penalties for breaking my lease to move in with family to get back on my feet with an infant and daycare also being shut down due to COVID at this point all my bills were current. Rent wasnt late, never have been. I reached out before it got bad for me financially because I still had to provide for my infant. I was verbally told by XXXX XXXX that there were no penalties and that our rent was paid for that month and we would be free to go. I asked several time and he assured me that there were no penalties for having to break my lease during such a terrifying time. Apparently that was false because a debt collection hit my credit which I wasnt notified about til XXXX of 2020 by IQ Data International and that was by me using XXXX to find out where this was coming from. They have called several times aggressively after I was trying to find out information on why I was being told I have to pay {$3000.00} without an explanation Ive tried to get them to explain to me what was going on because I was extremely confused which has gotten me nowhere. After every call they never sent out a letter to me within 30 days or even at all. I have a video still of that specific apartment with the date to prove there was absolutely nothing wrong with the property and I still have no answers after speaking with them just trying to force me to pay and be extremely rude with inaccuracies regarding the property that I only lived in for 6 months. Please help me. Ive tried to upload the video for proof of the property being in perfect shape but the video is a little over 2 minutes long so the file is too big. If there is another way to send over this video because it is important I have no problem doing so.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of XXXX XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshots attached :
Consumer complaint received 2020-08-31
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. (GA)

EQUIFAX HAS VIOLATED MY RIGHTS UNDER THE FCRA AND I WANT THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE PROVIDED A COPY OF MY IDENTITY THEFT AFFIDAVIT, REQUEST TO BLOCK FRAUDULENT ITEMS, AND A COPY OF MY POLICE REPORT, FILED WITH THE XXXX POLICE DEPARTMENT, AS A VICTIM OF IDENTITY THEFT. THESE FRAUDULENT ACCOUNTS HAVE ALREADY BEEN REMOVED BY XXXX XXXX.
Consumer complaint received 2021-01-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

I sent a debt validation letter to Transworld Systems , Inc requesting to verify two debts in the amounts of {$450.00} and {$63.00} that do not belong to me on XX/XX/2020 and the company has failed to validate my debt. Instead they sent a list of my medical records on XX/XX/2020 which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information.
Consumer complaint received 2016-07-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This complaint is against Trans Union. 
I have contact Trans Union in number of occasions of an abnormality with my credit report. 
I am enrolled with a credit monitoring with TransUnion, named " True Credit. '' Whenever there is a change, new account, major derogatory listed, account information posted on my credit report. I will get a notification. When I opened several new accounts in the past, for whatever reason - they will never show up on my TransUnion credit report - however I will get a notification that it did. So, a few months ago, I requested my credit report from TransUnion and a huge envelope arrived - with XXXX credit 'profiles ' attached to my social security number. I spoke with an FCRA attorney, the term is called " split '' profile. Meaning, I will see XXXX credit report, creditors will see another ( or in my case XXXX ). For a number a months I have disputed this requesting TransUnion to fix this - however, I will get the same automated response by them sending me a new report with no new information updated. Additionally, I have attached my reports with the " You have been on our files since : '' circled XXXX/XXXX/XXXX - I was a minor at the time, XXXX years old! 
XXXX/XXXX/XXXX XXXX/XXXX/XXXX Each report has its own information. 
This irregularity has caused me not to be granted credit - not able to see what is going on with my credit report and dispute its inaccurate information. I would like to add, whenever creditors pull my credit report - it appears to them that I have filed bankruptcy, which is not true. I believe that Trans Union has committed and violated federal laws - and concealing what is actually on my credit report.
Consumer complaint received 2015-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I paid my balance in full to reflect on my credit report through ADS XXXX XXXX XXXX , XXXX XXXXthe original creditor was XXXX XXXX orignal creditor acct # XXXX, when I went to apply for a home loan the mortgage company pulled my credit and it does not show as being paid in full and still shows a monthly payment and shows as delinquet and was not deleted as promised by the creditor upon payment. XXXX has already deleted this off of my credit report and I would like to request that XXXX and Transunion does the same.
Consumer complaint received 2017-05-23
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 — Investigation took more than 30 days
Company: Selene Finance LP (CA)

I requested from  " Selene Finance '' num erous times for reinstatement so I could issue a cashier check to reinstating my loan. It 's my belief that  Selene Finance purpo sely abandon their policy. On  XX/X/2016    at  XXXX    XXXX   for  20 min/ 47sec I  spoke with  XXXX   XXXX   a  employee with Sel ene Finance she was baffled and in shocked as to why I was not issued an reinstatement letter. She reor dered the reinstatement letter  ( th is makes my fourth request ) which was cancelled for a second time.  XXXX  also confirmed the following :  1.  On  XX/XX/XXXX  I ordered a payo ff 2.  On  XXXX   XXXX ,  2016 I  requested a reinstatement statem ent 3.  On  XXXX   XXXX  , 2016 I sp oke with  XXXX   XXXX  and in his notes I re-ordered a reinstatement statement but it was never order.    4. O n  XXXX   XXXX ,  2016 I pa id  XXXX  as of  XXXX   XXXX ,  2016 a partia l payment ( unapplied ) {$7100.00} was in SUSPENSE Currently I owed {$5900.00 } 5.  On  XXXX   XXXX ,    2016  I spoke with  XXXX   XXXX  she was highly perplexed as to why I did not received a reinstatement statement ( prior to making a payment, stating its their policy that a reinstatement statement must go out to the borrower to assure the borrower of the reinstatement balance owed.    6.  She confirmed on  XXXX   XXXX  , 2016     XXXX   XXXX  deleted the reinstatement request.    7.   XXXX   XXXX  re-ordered the reinstatement statement and schedules a follow up call on  XXXX  at  XXXX . Unfortunately we have not spoken again.     I was charged  XXXX  late fees  XXXX  for  XXXX   2016 an d  XXXX     2016.     Selene Finance cla im I owed over {$6000.00} in fees that carried over fro m   XXXX   XXXX   XXXX  . Un true.   They have submitted to the credit bureaus that I have been 60 days late, for  XXXX  &  XXXX   2016.
Consumer complaint received 2017-05-01
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I noticed the mortgage statements I receive from the alleged mortgage servicer,  Select Portfolio Servicing, states on the bottom of the letter " This is an attempt to collect a deb. All information obtained will be used for that Purpose. I made payments with this   servicer not knowing if they were a debt collector or mortgage servicer.     On    XXXX   XXXX   XXXX   I  sent a lett er to Select P  ortfolio Services to verify who the v erify the allege creditor and asked for name, phone, and address. In response on  XXXX   XXXX   XXXX , they have returned a letter stating tha t   XXXX   XXXX   XXXX   XXXX   is referred as the " investor '', " creditor '', and/or " note holder '' of the account. They r efuse to give me contact information because its proprietary information. I do not recognize    XXXX   XXXX   XXXX    as a creditor.     On  XXXX   XXXX   XXXX , I have sent a letter to  Select Portfolio Servicing Inc ( SPS ) t o validate and verify the debt. My first problem was identifying  SPS. T he letters I receive from this company states they are a Mortgag e Service c ollecting for a loan but on the bottom of the letter it states it is an attempt to collect a debt. I tried to speak with a representative, a recording played stating this is a debt collector attempting to collect to collect a debt. When i spoke with the representative I never received a clear answer as to if they were a debt collector or mortgage servicer.     I want to verify who was the original creditor and who is collecting on the debt.  SPS  claimed  XXXX   XXXX  is creditor but   XXXX   XXXX   is the noteholder/investor. They never provided name, address, or phone number of any of these alleged creditors. I personally calle d   XXXX   XXXX   XXXX   XXXX  ,   t hey claim to have no information of this debt. I emailed  XXXX   XXXX  regarding this debt. In response they stated that loan information I have given them was for  XXXX   XXXX  and are not in business. I discovered a letter  XXXX   XXXX   XXXX  from  XXXX , the original servicer, the release of deed to secure debt stating the debt is paid in full and release of lien. But I never received notice from the original creditor th at SPS or   XXXX   XXXX   XXXX   XXXX   is going to collect any debt for them or on their  behalf. There is no evidence that I owe any loan or debt to    XXXX   XXXX  .
Consumer complaint received 2019-05-10
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)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter to XXXX regarding an inaccuracy on my credit report, account number XXXX. They received and signed for the letter on XXXX XXXX, 2016 ( I attached the return receipt ). They violated federal law by not placing " notice of dispute '' on my account within 30 days of my dispute ( I attached my credit report as well, please see pages XXXX & XXXX for the reporting from XXXX XXXX ).