davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I originally contacted Experian XX/XX/XXXX via written request to correct and remove old addresses from my report as they undeliverable to me by the U.S. Post office and they are not reportable as per the FCRA since they are in accurate. I provided proof of my identity along with proof of my current address. They removed one old address been then added an even older outdated address from more than 7 years ago. Every time I send a written request to delete an old address they delete it but somehow manage to add an even older outdated address which at this time are addresses from when i lived out of state as a teen. They even added the dates of these next to the addresses on my credit report which are from XXXX & XXXX. Im XXXX   years and they just added these which drops my credit score. Its obvious the Experian credit bureau is causing intentional wreckless damage to my credit bureau on purpose. I'm fighting this every month since the original letter from XXXX. Why would they keep going further and further back from when I was a teen in a different state. There are no accounts or lines of credit associated with these addresses they just added on my credit. There are no creditors adding this information this is Experian intentionally. They are not suppose to be seeking old negative information. They are only suppose to report what is reported not purposely seeking information to add to my credit report.They are in violation of the FCRA for purposely seeking negative outdated information to harm me. For intentionally reporting outdated information.There should never be any retaliation to a consumer when we update our information. This is a violation of the FCRA asoutdated or inaccurate information can not be added or reported. Yout agency need to look into the fraudulent behavior of this credit bureau. I want them to delete old addresses permanently from my credit report and stop researching old addresses. They were in violation of FCRA when they added addresses from XXXX and XXXX to my personal information. This information is way older than what I asked them to delete in the XX/XX/XXXX letter I sent certified. Im including the original letter I sent in XX/XX/XXXX and copies of every credit report since then of them adding old outdated information. The credit reports are from XXXX XXXX showing how Experian is adding outdated info. I just pulled my credit today and it shows previous addresses that were not there before and have not been on my report since I was younger one is from 23 years ago and one is from 14 years ago. I was XXXX and XXXX XXXX XXXX. Again, im XXXX XXXX XXXX. There are no creditors, no debt on my credit report associated with any accounts. Please see the proof.
Consumer complaint received 2020-12-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MS)

On XX/XX/2020, I was contacted by Midland Credit Management, a debt buyer, whose address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA, XXXX about a credit card account that I had not used for 5 years. I never received a validation notice so I asked for a copy of the billing charges, payments and any fees that have been added. I was transferred to a manager who informed me that he could not provide that information to me. I told him that under the FDCPA I was entitled to that information and he wanted to know why I wanted it. I told him because I wanted to look at the dates of the charges, payments, and fees so I could validate the amount he said I owed. He started reading to me information & I again requested an itemized statement of all charges. He said he was looking at my statement and he was telling me what the charges were. I then asked if he was looking at the statement, then why couldnt he send me one? He refused again. He threatened to " take this to the next level '' and I said that I had not received any written notification of the account being placed with him before getting a telephone call just 3 days earlier. He then threatened or implied he was about to sue me so I told him I would have my attorney contact him. The statute of limitations in Mississippi is 3 years on any contract or debt. This was on Monday ... today is two days later..Wednesday, XX/XX/XXXX. Today I received a 2nd day air XXXX envelope with a " pre-legal '' notification with a demand that I pay in full by XX/XX/XXXX or they " XXXX '' proceed with forwarding this account to an attorney. What reeks of hyprocrisy is that this letter states that " These payment opportunities do not alter or amend your validation rights as described in our previous letter to you ''. I never received any notification but I did request a copy of the charges for validation and was turned down. I intend on pursuing FDCPA violations against this company as soon as possible.
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (DC)

I was negatively affected by the XXXX XXXX XXXX. I called American Express as soon as I realized I wouldnt be receiving paychecks regularly. I continued to keep American Express updated and make payments. I was told by several American Express agents that because my account history with them is excellent that if i continued to make payments I would not have negative reporting for my two platinum cards. When I became employed again, I advised American Express that I was never reimbursed for lost wages from the shut down and I had to get a new job. I now have a new job but Id need some time to catch up. I was told that the Amex personal platinum is more time sensitive for credit reporting and the business platinum wont reflect late until at least 60 days late. I paid XXXX in the last mint to avoid negative reporting for the personal platinum card. I can pay the ENTIRE balance of both platinum cards and blue cash everyday in ten business days from today. To my surprise, contrary to what I was told by American Express reps, my card was closed, cancelled and reported to the bureaus as delinquent. With my new job ( security clearance ) this is a huge problem for me. I want to set up an automatic payment for the entire balances, have the accounts reopened ( they should have never been closed ), and my credit reporting of negative deliquent status removed immediately. Im very upset. Ive spent tens of thousands on this card and paid on time prior to the shut down only to be treated like this. I spoke with XXXX in Arizona at headquarters and he promised me Id get a call from the supervisor XXXX yet I have not received a call yet in the promised time. I need this handled immediately. All cards were canceled yet I paid on all cards to avoid this as I was instructed by the reps.
Consumer complaint received 2021-11-01
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: CITIBANK, N.A. (UT)

Dear officer ; I hold a Home Depot Credit Card issued by CITI Credit Cards. 
On XX/XX/2020, I fax a letter disputing a charge to my credit card. I have since requested in writing and on the phone a copy of the purchase voucher/receipt which initiated this charge. Nevertheless, Citi bank 's fraud department has not been able to produce a receipt or ANY other document that will prove that indeed I am responsible for such purchase/transaction. 
In addition, My local Home depot store manager has NO record of this transaction taken place and they are more incline to a system error in their part and advised me to call the Credit card services. 
I have called and faxed them my request in writing ( as they insisted ) and on the phone for HOURS since all this started without ANY result to my request : " Show me a copy of the store receipt or any other document where my signature and credit card was used to support such purchase transaction ''. still no answer to my request. Nevertheless, they insist in the charge and threaten with ruin my perfect credit and name.
Consumer complaint received 2019-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary ATTENTION : XXXX has notified XXXX XXXX XXXX to cease and desist all collection efforts against XXXX XXXX. PLEASE REMOVE THIS ITEM FROM MY CREDIT REPORT
Consumer complaint received 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KS)

In XX/XX/2018, my wife and I filed for bankruptcy Ch-XXXX. I understand that the bankruptcy stays on your credit report for ( 10 ) ten years. ( It should be only ( 7 ) seven years. ) My own opinion. But anyway, our complaint is with the ( 3 ) three Credit Bureaus who is showing our filing of bankruptcy with the notations that saying, " SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED, PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS, TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN, NUMBER ACCOUNTS WITH DELINQUENCY ''. 
ALSO, a high-risk fraud alert was completed saying XXXX and XXXX took place with no explanation.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

A duplicate payment of $ XXXX was made on my Wells Fargo credit card ending in XXXX on XX/XX/23. I called in to have it reversed and the person I talked to said that she made a request to do so but it will take about 11 business days to reverse the payment to a non-Wells Fargo checking account. 

I called in today, XX/XX/23, which is the 11th business day from XX/XX/23 because I still don't see it on my checking account. I was told that it takes 30 days for " research '' to be conducted and another 11 business days for the duplicate payment of $ XXXX to be reversed. This is LONGER than what I was originally told. I asked if there's an escalation process. The representative I talked to transferred me to his next level of support. The next level of support said there was no way to escalate or do a follow-up because there was no contact to talk to in the " research '' department. I asked what was the next line of support I can talk to. She transferred to her " manager. '' That manager hung up the line. 

The $ XXXX that was pulled out of my checking account was supposed to pay for my bills, mortgage, insurance, property taxes ( and checks that now bounced ) that I could not do because Wells Fargo wouldn't give it back to me.
Consumer complaint received 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KS)

In XX/XX/2018, my wife and I filed for bankruptcy ChXXXX. I understand that the bankruptcy stays on your credit report for ( 10 ) ten years. ( It should be only ( 7 ) seven years. ) My own opinion. But anyway, our complaint is with the ( 3 ) three Credit Bureaus who is showing our filing of bankruptcy with the notations that saying, " SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED, PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS, TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN, NUMBER ACCOUNTS WITH DELINQUENCY ''. 
ALSO, a high-risk fraud alert was completed saying XXXX and XXXX took place with no explanation.
Consumer complaint received 2020-11-01
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (MN)

I paid {$220.00} to XXXX XXXX/AmeriNat for a subordination agreement for a forgivable loan ( as long as I stay in my home ) which they have refused to grant.. I need to refinance my first mortgage with cash out to consolidate {$25000.00} in credit card debt.. 
So I need to payoff my first mortgage of {$8800.00} with a refinance and {$25000.00} to consolidate but my problem is thaXXXX XXXX XXXX/AmeriNat will only allow me to refinance the {$8800.00} which does not allow any cash out for me to consolidate my debt of which I wasn't aware of at the time in XXXX 
My Income  from Social Security XXXX is only {$15000.00} per year, my home has over {$80000.00} in equity as of an XXXX appraisal, a credit score in the 700 's with 0 late payments ever and 0 derogatory remarks .. XXXX XXXX was going to loan me the cash to consolidate it all into a single payment but after waiting 4 months for a XXXX XXXX  closing date, XXXX XXXX/AmeriNat destroyed any chance for me to survive.. Banks choose not to be in 3rd position and I don't have {$8800.00} to pay off the First Mortgage with XXXX XXXX.. My days are numbered when It shouldn't have to be.. 
Thank you
Consumer complaint received 2020-08-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (FL)

XXXX : I had scheduled a payment to be transferred to my daughter 's mother for my child support of payment {$280.00} on XX/XX/2020. As of today XX/XX/2020 my recipient has not received the money sent yet the funds have been deducted from my account. I have called Chase numerous times and it has even now been escalated to the executive department, but even then my understanding of that department is to get them ready for inquiry from a government agency as I had already indicated to them that I was going to be submitting my complaint with the CFBP. 

Background : I have been using this method to transfer funds for upwards of five years. I have not had an issue with it ever. Also, this transaction is done twice a month and has been like that ever since I started using Chase 's QuickPay feature. 

Issues : I was never contacted and told that the funds are being held. I got the same payment notification that I normally get when I send funds. No department is/was able to tell me why the funds are being held ; and till this day no one is still able to tell me why the funds are being held or what is the expected date that the funds will be available. All any agent could say is that they funds would be there eventually or that I would receive some notification on it. The denomination is to small to trigger a red flag and the amount is consistently sent to trigger some sort of fraud activity. If it had not been for my XXXX 's XXXX to let me know that the funds have not gone through I would have not know that she never received the funds. Lastly, I had to send another child support payment to cover the transfer that has not gone through ; even though there is no resolution on the pending payment. My daughter 's mother was even lied to as she was told, XX/XX/XXXX, that the funds would be available the next day, XX/XX/XXXX ; of course that never happened and still the funds are pending. 

Ethical Dilemma : Thankfully I am able to cover the transfer that has not gone through. ( The transaction on, XXXX XXXX, went through with no issues. ) It is however very concerning in a time when families are experiencing financial difficulties that a bank is able to hold funds for upwards of 15 days without any explanation. With still no notification that it had even been held. With no customer service rep being able to answer what is going on. This type of confusion causes distrust with banks. When consumers start to feel distrust with banks and stop depositing money with financial institution it can cause a real problem. Families need to feel they can depend on the financial institution to handle their business and keep them fully informed on what is going on. Not to mention that there are families that would not have been able to do what I did and send the money again while the original payment is still pending.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Late 30 Days Past due amount {$840.00} Fraudulent Account : XXXX XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXXXXXX  Open/closed Closed Status Charge off Past due amount {$250.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed closed Status Chargeoff Past due amount {$510.00} Fraudulent Account : XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$290.00} Fraudulent Account : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$1600.00}
Consumer complaint received 2021-04-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Flagstar Bank, N.A. (NC)

I am submitting this complaint because I am being extremely affected by Flagstar Bank. They are being completely unfair and I dont know how to get ahold on them but through this portal. 
I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 
I had my mortgage with XXXX XXXX. 
I am a XXXX XXXX XXXX. 
I had hired a property management company to pay all my payments. 
IN XX/XX/XXXX : XXXX XXXX was brought by Flagstar Mortgage But because I and my property management company did not get appropriate notices, they kept on making payment to XXXX. 
IN XXXX XXXX XXXX : My property management company made mortgage payments to XXXX for XXXX and XX/XX/XXXX and XX/XX/XXXX all on time now XXXX XXXX did forward the payment in XXXX to Flagstaff but did not forward the XXXX and XXXX payments. 
Account information : Flagstar Bank Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$170000.00}. 
This company has been negligent and unfair. They have committed multiple violations to my consumer rights and I need a fair solution. All I want is to get the late payments corrected and the bureaus to get notified to make the change. 

Please see the document attached.
Consumer complaint received 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EOS Holdings, Inc. (MD)

In XXXX, I co-signed for my son for cable tv with XXXX XXXX while he attended University XXXX XXXX. He left school in XX/XX/XXXX and we cancelled the cable account. However, he did not return the cable equipment thinking that the cable company would come and pick it up ( he was XXXX at the time ). XXXX XXXX sent the bills to her campus address and they were not forwarded to our home address. It was turned over to EOS CCA and they contacted me and I immediately paid them in XX/XX/XXXX. The problem is that EOS updates this account every month and it appears to the credit bureaus that is was just recently paid which is adversely affecting my score by 60-70 points. I have contacted XXXX XXXX XXXX ( which has been purchased by XXXX XXXX XXXX and they have no record of my account being delinquent and have told me ( I have spoke to them 4 times ) that the would remove the reference from my report. I have followed up with EOS CCA and asked them to remove the reference since the original creditor agrees it should be removed but they refused. I then asked them to show the date reported as XX/XX/XXXX which would then not adversely affect my score and they refuse to do that as well. I have spoken to them 4 times as well. I don't dispute the reference but I feel the way that they update the account every month is unfair and severely adversely affecting my score forcing me to get higher interest rates than I should be receiving. The rest of my credit is perfect and my revolving accounts are paid in full every month. This type of reporting must also be adversely affecting other people in the same way.
Consumer complaint received 2021-10-10
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. (TX)

I have been disputing an inaccurate account on my credit report with Experian, XXXX, and XXXX, but none of the credit bureaus will fix or delete the account. They all just keep saying it's verified. The problem is with the an account from XXXX XXXX. The payment history is inaccurate on all three credit bureaus. On my Experian report, the account shows as being paid on time during XX/XX/2017, then 90 days late the next month. This is wrong for two reasons : you can't become 90 days late in the span of XXXX XXXX and the account was already charged off during XX/XX/2017, not 90 days late. Experian should know this is wrong, especially after I already disputed it, but they refuse to fix it. On my XXXX report, this account show no late payments prior to XX/XX/2017, but XXXX shows it being 90 days late during that month. This is wrong for two reasons : I can't be 90 days late after making no prior late payments and this 90 day late payment does not match what Experian is showing. The payment history on XXXX is completely inaccurate and they refuse to fix it. On XXXX, this account shows a 30 day late payment during XX/XX/2017, then a 90 day late payment during XX/XX/2017. This is wrong for two reasons : I can't miss two payments during a 30 day timespan and it again does not match what Experian and XXXX are showing. All three credit bureaus have different payment histories! I have disputed with all three credit bureaus about these blatant inaccuracies and they all just keep saying the information is verified. If I remember correctly, the FCRA says credit bureaus are required to remove any information they should know is inaccurate themselves. They don't even need to contact XXXX XXXX to know these payment histories are wrong, but they will not fix it.
Consumer complaint received 2020-12-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CHECK INTO CASH INC. (TX)

I have been receiving calls from XXXX with message from XXXX XXXX. I returned the call today XX/XX/XXXX asked to speak with Mr. XXXX, he was busy so XXXX XXXX continued with the call. He stated that they are confirming a court appearance for me on XX/XX/XXXX regarding charges on claim with Check into Cash. I asked my intent to pay, make payment arrangements etc. I asked if they have sent me a validation or if they could do so as I was not familiar with this creditor/debt. He immediately hung up on me.