davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I received the response in regards to the inquiries The creditors have been contacted and notified prior to the initial complaint. The creditors noted, and they stated that they have no evidence that I initiated these inquiries, either written or otherwise, and could not provide me with a permissible purpose. As these inquiries are both unauthorized and unsubstantiated, I request they be deleted from my credit report. Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically, per section 604 ( a ) ( 3 ) ( f ), a consumer reporting agency may only furnish a report I initiated. No evidence supports I initiated this request, I request these inquiries be removed from my credit report as per section 611 ( 5 ) ( a ) ( i  ). *XXXX  / XX/XX/2020 *
Consumer complaint received 2015-05-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (TX)

I bought an online subscription to XXXX for approximately {$120.00} dollars. I had signed up with my personal email account which I had a non-subscription account with the same website for previously. In XXXX 's system my subscription was then associated with the former/old username not my new username/account. 

When I contacted XXXX Customer Support they were to contact me back in 48 hours and did not. I then called their Customer Service and was told I would not be issued a refund and that this problem was " impossible. '' I then indicated that I would dispute the transaction with my credit card company, American Express. 

I opened the credit dispute with American Express eventually providing them with the Customer Support attempts at contact I had with XXXX and a Screen shot of my account from XXXX. This screen shot showed that I could not check my messages as my paid subscription was not recognized and for which American Express had record of withdrawal from my account for the transaction. I then called several separate divisions of American Express Customer Service and told them that was all the information that I had and that they could either be diligent & vigilant in attending to this matter and getting me my money that I was defrauded back or not. I was also told that I could not further escalate my concerns when multiple managers in their Customer Service divisions lied and told me they could not put me in contact with the corporate office. I then found their corporate office number online and called the following day. 

I received a call back and explained the issue and again stipulated that American Express should follow through on my legitimate transaction dispute and resolve the matter in a timely fashion. I received a call back a few days subsequent to that call from another person in their corporate office. I missed this call due to work and when I called back I left a voicemail explaining my reason for calling and requesting callback. Yesterday marked a full calendar week and several business days between their last call back and my last request for a call back. I left a voicemail largely stipulating the same information as my XXXX voicemail and this has not been returned.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I tried to open a XXXX XXXX XXXX with Capital One and at first, they said there was a fraud alert. After wasting about 45 minutes with the company, they said I could not open an account with them, and only cited that I had closed an account with them in XXXX. They said I would not be able to open an account with them, and that was the only reason. This doesn't make sense to me Can you please look into this matter for a full and more clear explanation. Thank you!
Consumer complaint received 2021-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NC)

On XX/XX/XXXX I received an escrow analysis for my mortgage. This was the end of the first year of the mortgage, of which I have never missed a payment. The escrow analysis stated a new payment of {$1400.00}, which was {$210.00} less than my previous payment amount ( XX/XX/XXXX - XXXX XXXX  ). The letter also stated there was an escrow surplus of {$2200.00} which was due to me via check. I called the company TWICE to confirm the amounts were correct and both times the amounts were confirmed by different individuals. The individuals confirmed I would receive the check within 30 days of the letter. I never received the check but I was automatically charged the lower amount ( {$1400.00} ). After not receiving the check, I called the company again and they said the check was being put in the mail that day. I still never received the check or any clarifying information about what was happening. I waited approximately 60 days and called the company again ( on XX/XX/XXXX ), this time speaking with the manager. The manager explained that the analysis was incorrect and the letter provided an incorrect payment amount and incorrect escrow surplus. I was extremely frustrated because the company led me to believe that I could rely on this escrow surplus. But I was also frustrated because the manager said she was not sure how this would impact me. I wasnt sure if it would impact my credit, disrupt my mortgage, cause me to owe money next year, etc. I did nothing to have my payment changed. It was incorrectly changed by the company despite my efforts to ensure it was correct. I told the manager that this was wrong and that I was going to have to file a complaint with the CFPB. She begged me not to do so and asked that I give her 24-48 hours to get this fixed. She guaranteed a personal call back within 48 hours and promised that she would make it right. However, it has now been almost 2 weeks since that promise and I have not heard from her or the company at all. I called her direct line many times, called the general line and spoke with other individuals, but can not get her on the phone. All I know is they completed a new escrow analysis and they are changing my payment again. I have not received written notice of the new escrow analysis. I received a check this weekend for {$480.00} with the memo Surplus Refund Check. This is not the amount I was told I would receive. I feel misled and I am worried that Ive been harmed by BSI Financials faulty processes and poor communication. I have no other choice but to file a complaint here because I do not feel that BSI Financial is protecting me, considering me, or trying to do right by me. BSI Financial was not the company that I originally get my mortgage from. BSI Financial purchased my mortgage from another company. I am very upset with their performance and I wish they did not own my mortgage. I do not feel like they are focused on providing a good service to me.
Consumer complaint received 2018-05-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (SC)

I submitted a request for loss mitigation to review for options. I want to keep my home. I send Wells Fargo Home Mortgage an complete application on XX/XX/XXXX. I called to check the status of my case on XX/XX/XXXX. I spoke with XXXX # XXXX at Well Fargo Home Mortgage. He informed that they did not open a review. He stated there is a Sale Date on my home for XX/XX/XXXX.
Consumer complaint received 2017-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NC)

In XXXX of XXXX, Ditech made an error and suddenly added escrow to my mortgage. I have had this mortgage for close to 12 years and have never escrowed my taxes or insurance and have always paid them independent of my mortgage. Ditech continued to charge me late fees and penalties for said escrow error they imposed on my account-additionally, they reported me to the credit bureau as having late mortgage payments which caused my credit score to drop and began sending me letters regarding financial hardship. 

I made a call to Ditech after finally realizing the error they made and that they were not taking initiative to remedy it on XXXX XXXX, XXXX and spoke to " XXXX ''. She stated she saw where they made the error and would send a code to have it taken care of. 

I followed up with a detailed letter on XXXX XXXX, XXXX, which I faxed to Ditech 's customer service department. I had also been filling out customer service requests and reporting the error through their website. I did not receive a response to any of my complaints or requests to be contacted. 

I have had to call Ditech multiple times to simply get them to remove the escrow and late fees as well as negative credit reporting. 

On one occasion, I called and spoke to a manager, XXXX, who assured me they had taken care of the problem and great news that I had overpaid and would be soon getting back a refund. Upon receiving the refund, I was then told that there was now a back due escrow balance for the same amount they refunded me! 

As of today, XXXX XXXX, XXXX, they have still not resolved the problem after telling me it was resolved. They are now holding my mortgage payments in " Funds in Suspense '' and not applying them to my mortgage and reporting that I have not paid for the months of XXXX and XXXX I feel that I should not have to fight for months to get an error caused by the mortgage company resolved. They continue making error after error and are causing me a lot of stress and time in having to constantly check behind everything they do. I wonder if anyone else has had the same issue and what benefit would it have for the mortgage company to do this?
Consumer complaint received 2021-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc. (CA)

I received a letter from the XXXX XXXX XXXX XXXX XXXX. This letter said I owed a debt and so I called the office to figure out what this was about. I recieved this letter XX/XX/2021 First I spoke to a XXXX ( something like that ) and told him that the debt wasn't mine on XX/XX/2021. I needed proof so I could look at it. XXXX asked me a bunch of times if I was an attorney and than transferred me to the voice mail of Mr. XXXX. On the message to Mr. XXXX, I told him that it wasn't me and that I would like proof of debt so I could clear it up. He has not responded. 
I received a call from an " attorney '' named XXXX on XX/XX/2021. I told him that I would like proof about the debt since it wasn't me. I am not from the State of Utah so I asked MrXXXX XXXX if he could supply me with proof. He than told me that he couldn't give me legal advice, he said this a bunch of times. After not supplying me with any information, Mr. XXXX " attorney '' told me that he was going to take me to court. 

I believe the tactics used by the XXXX XXXX XXXX XXXX XXXX XXXX, is meant to oppress and take advantage of people just to make money. I would look into this office and make sure their so called " attorneys '' are actually that.
Consumer complaint received 2017-10-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

To whom it may concern, Portfolio Recovery Associates are attempting to collect a debt that was sold to them from the original company, XXXX XXXX. Portfolio Recovery Associates are not licensed to operate/collect in the state in which I reside. Two of my accounts have been sold to them from XXXX XXXX. One in the amount of {$1400.00} and another in the amount of {$1600.00} both sold to Portfolio on or around XXXX XXXX.
Consumer complaint received 2017-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

Care Credit Synchrony Bank - can not make payment through automated system-rarely been able to bee advised in writing they have removed fees and charges but the balance never goes down. I have a balance of {$2200.00} for months. Asked to speak to Call Center Supervisor. Cust XXXX- Care got someone in Collections- sorry can not transfer you. [ XXXX ] XXXX Badge XXXX - Made payment! Confirm # XXXX XX/XX/XXXX {$110.00} They continue to call as " UNKNOWN ''. Do not know if tel spoof or what! Just have them post what they promised earlier-
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I have sent several dispute letters and Equifax always says they dont receive my documents causing a delay as I then have to send the documents again just to be provided with the same information. 

I sent a letter along with a document from the collection agency stating the account will be closed and removed from all credit agencies. Since I didnt see the updates were made, I sent the dispute directly ; however, the account has not been deleted. I spoke with an agent today, XX/XX/07 at XXXX CT who was rude and refused to provide his name and refused to get a manager on the phone. He placed the call on mute and ignored my requests as he did not respond. The call is currently active as I am completing this dispute going on 50 minutes while the agent still has not responded.
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (IN)

I recently applied for a car loan thru XXXX XXXX. I was denied thru SageStream LLC. I received a credit score of XXXX. This happen on XX/XX/XXXX. My XXXX Score is XXXX. They are using information from 10 years ago. I am not delinquent on any accounts and pay everything on time. Credit used with my credit limits are too high. Why is my score so low with this company. Never heard of them. From reading other complaints I believe this is a faurd company. I would like this searched into. It is effecting my credit I have worked so hard to rebuild
Consumer complaint received 2017-06-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

X/XX/2017 I received a response to the last complaint that I submitted. The response was that the bank will lose too much money to sell it at market value with the liens, closing costs and commission. I asked for a counter offer, or an amount that the bank is willing to accept so I can list the property at that value. The bank refused to give a counter offer or a number that they are willing to accept. -The banks reasoning is that market values, closing costs, and commission changes regularly. -There has to be a number that they are willing to accept or they will accept anything. There is a threshold and refusing to tell me that has seriously hampered my ability to short sale the home in a timely manner. -This has forced me to do a deed in lieu instead of a short sale. -I will be watch this property closely and if it sells for less than 68k I will be bringing a suit for Tortious Interference and Deceptive business practices. -I have tried to short sale the home with this handicap for 22 months. - I was very hopeful that the offer matching the market value would be accepted.
Consumer complaint received 2022-03-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Regional Management Corporation (TX)

This company mailed what they called a " live check '', made payable to me, to my address without my request but as a loan offer. Someone else received the check, cashed it ( without my identification ) and received the proceeds. I have never heard of this company or utilized their services, however, they sent a " live check '' to my home and have placed this account on my credit report without any proof that I am the borrower. They did not verify my identity nor did I sign loan documents. When I reached out to the company to understand how they are able to report a delinquent account on my credit report, without having verified that I borrowed the money, I was told that this is how they do business and that the only way to have the matter resolved, was to file a fraud dispute, directly with their company. I went directly to their XXXX office and after the made a copy of my drivers ' license, they gave me a copy of the check and wanted me to complete the " fraud '' paperwork, onsite. I am not comfortable sharing ANY of my personal information with this company. There are Customer Identification Program laws and FCRA credit reporting laws that have been clearly violated by not verifying that I am the borrower, prior to extending a loan and publishing a delinquent account on my credit report. Additionally, this has negatively impacted my credit and the lender refuses to remove it without me giving them additional information including my repeated signature, checking account information and additional identity information. I don't trust this company with additional information about me, it's dangerous what they've already done with just my address. This is a violation of my rights.
Consumer complaint received 2020-10-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have made multiple attempts to contact the bureau in order to correct inaccuracies on my credit report. Oftentimes I have not received a response within 30 days and most recently it has been over 60 days without a response. I have sent letters XX/XX/20, XX/XX/20, XX/XX/20, and now XX/XX/20. I have multiple bankruptcies reporting on my credit report that have indeed not been filed and the bureau refuses to correct or send proof of these accounts legitimacy. I am distressed and I am being negatively affected by these mistaken erroneous accounts. I will attach the most recent letter I will be sending out to the bureau.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Account # XXXX opened XX/2009 Account is in open account in good standing balance is incorrect and account is not in collection. Account is current and their is no past due balance. Account is being handled by XXXX XXXX.
Consumer complaint received 2017-10-23
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. (FL)

SOME UNKNOWN PEOPLE OPENED UP ACCOUNTS IN MY NAME WITH THE COMPANIES ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WITHOUT CONSENT. I HAVE ATTACHED A COPY OF MY POLICE REPORT.
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (VA)

I called XXXX XXXX in XXXX XXXX, XXXX and spoke with a representative about my payment not being made due to someone making authorized transactions with my bank account. The representative informed me, that he would keep a close eye on my account and refund all late charges if I made a payment on XXXX XXXX, XXXX. I agreed, however, on XXXX XXXX, XXXX, as I started to make the payment, I was informed my account had several late charges to it. Every time I mentioned the representative I conversed with on XXXX XXXX, XXXX, I was placed on hold, transferred, and the call disconnected. I finally spoke to XXXX, on XXXX XXXX, XXXX who was very rude from the beginning. I mentioned the representative I conversed with on XXXX XXXX, XXXX to XXXX, and she told she has not record of this conversation. I inquired if she could give me the information of the last representative and to speak with her supervisor. XXXX informed me at first she does n't show that information, until I questioned it for her to change her story to they are not allowed to give out that information and it will be hold time to speak with a supervisor. I tried to explain that I being charged late fees and having monthly interest that seem to be unfair to the customer however, it seems I could not get any type of assistance from XXXX or Comenity Bank.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NJ)

I purchased a washing machine and dryer from XXXXXXXX XXXX via credit card application which I later discovered the amount was financed by Synchrony bank. 
Unfortunately, this product was returned and a return process was duly completed ( see invoice attached ) this was back in XX/XX/2019, XXXX still reports an outstanding balance of {$510.00} which accrued from {$420.00} on my credit report and it still sends me bills every month. 

Order # XXXX Order Date : XX/XX/2019 Sales # XXXX XXXX Transaction # XXXX Store # XXXX Terminal # XXXX Store Manager XXXX XXXX
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (GA)

I have 3 student loan accounts with Fed loans services, 2 student loans that were apparently transferred to XXXX XXXX XXXX XXXX an 1 transferred to XXXX XXXX. That are all paid and closed. But they are showing late payments on the accounts after they were paid and closed on XXXX. 2015. Also the time that the loans were showing late they were in Forbearance with the companies. Ive made several attempts to correct this issue when the accounts were open and even when they closed. The late payments and collections status are really affecting my credit reports on all my reports. I am left with no choice but to contact you for assistance with this matter.