davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (CA)

On approximately XX/XX/XXXX ( and many times thereafter ), I had my credit reviewed by the VA home loan center. During the initial credit check, the collection account for XXXX through CONVERGENT OUTSOURCING was not listed. Furthermore, there was no indication of a past due balance owed to XXXX at any point until today XX/XX/XXXX. This debt collection agency purchased a 7-year-old debt for pennies on the dollar and is attempting to collect an inflated amount. Not only has the statute of limitations ran its course for this account, but it is currently listed as 'charge-off/ uncollectible ' with XXXX  How despicable does this agency have to be to firstly, fail in providing us a payment option if it were still collectible and secondly, failing to provide sufficient notice prior to this account being placed on my credit? Ultimately, they are hindering a home loan approval with their egregious attempt to collect on an already 'charged-off ' account. After speaking with and being transferred to several agents of theirs, we were met with uncaring associates and no options but to pay the {$330.00}. After explaining the proof of the legal timeline for this old account, the agents said they can only go by the dates they obtained it.
Consumer complaint received 2021-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INTIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2021-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2020, I opened an AMEX XXXX XXXX XXXX  credit card because they gave me an offer which included {$300.00} welcome bonus by XXXX XXXX. After I finished the shopping amount which they required me by using this card, they refused to give me this bonus, the reason is I had another welcome bonus before by a different AMEX credit card. 

I am very confused. This is my first time to have an AMEX XXXX XXXX XXXX credit card and did not get any welcome bonus from their same type of credit card. Once I asked their customer service agent, who named XXXX XXXX worker no : XXXX likely ) told me I would get this bonus, but actually not. At last, when I asked their customer service again, they told me I am not qualified to get this bonus. 

I think they treat me unfair, because they promised me the {$300.00} welcome bonus while sending me the offer.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX {$74.00} owe the account show open XX/XX/21 Account Number XXXX  This account is a fraudulent account that EXPERIAN Reporting. 

XXXX XXXX XXXX # XXXX this account reporting {$360.00} FRAUDULENT amount which Experian has a POLICE REPORT on FIle with this Fraudulent amount of {$360.00} Police Report Number XXXX. 

XXXX XXXX XXXX # XXXX The Original Creditor XXXX XXXX XXXX Experian keep Changing the Creditor every time I dispute it also under the name XXXX XXXX XXXX XXXX XXXX WAY Is The Original Creditor For This Account I have send EXPERIAN Proof of the court Order Dismiss by License California Judge court ordered Dismissal. EXPERIAN REFUSE TO REMOVE IT.
Consumer complaint received 2019-03-04
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. (KY)

I have requested numerous times that and a XXXX be removed form my account. It is illegally there as I was never billed for These services and my information was obtained illegally.
Consumer complaint received 2019-03-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

My ( XXXX XXXX XXXX XXXX ) escrow account was short for this year because we had built a new home and taxes were based off the lot appraisal only. I ( XXXX XXXX XXXX ) contacted Penny Mac Loan Services on XX/XX/XXXX. Because our escrow was short we were making a payment of {$1700.00} to make up the shortfall. I decided to make one lump sum payment of {$2800.00} to pay off the escrow shortfall with a confirmation number supplied by Penny Mac Loan services of XXXX. It was drafted from my bank on XX/XX/XXXX. 

I very specifically asked if our new payment of {$1300.00} ( normal payment less escrow shortage ) would start on XX/XX/XXXX. The Penny mac representative assured me my new payment of {$1300.00} would be effective that date. 

On XX/XX/XXXX I logged into my Pennymac account and noticed it still showed {$1700.00} due on XX/XX/XXXX. I again called Penny Mac customer service. They again assured me only the correct amount of {$1300.00} would be billed to my account on XX/XX/XXXX. 

On XX/XX/XXXX my autopay payment had not been subtracted as normal. I called to verify that no changes had been made that effected autopay. They stated that the payment would be debited on XX/XX/XXXX because the first was the Friday. And stated for now THE THIRD TIME that my payment would be {$1300.00} as I had paid off the escrow shortage completely. 

On XX/XX/XXXX. After three different representatives stating my payment would be {$1300.00} because of paying off the escrow shortage in total Penny Mac billed me {$1700.00}. They stated they " messed up ''.
Consumer complaint received 2021-09-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC (CA)

On XXXX a payoff check was sent to Carvana/XXXX in the amount of {$67000.00} matching the payoff quote given to me by Carvana/XXXX on XXXX indicating a 10 day payoff amount of {$67000.00} good until XXXX. 

The payoff check was received by Carvana/XXXX on XXXX as indicated by my online portal at XXXX. The account showed " Paid in full ''. 

On XXXX a check in transit for the next months payment was received by Carvana/XXXX after the account was fully paid off and was cashed by them. The online portal showed it as a " NORMAL PAYMENT '' even after account was paid off. 

On XXXX I received a check from Carvana/XXXX in the amount of {$110.00} which does not reflect the correct overpayment for the payoff. I should have received {$110.00} for the time between the check was sent and the expiration of the payoff quote which I agree with, but I should also have received the additional payment that was received by Carvana/XXXX  after the payoff and that was cashed by Carvana/XXXX. The amount of that check was {$1100.00}. 

In total I am owed a refund of {$1200.00} of which only {$110.00} has been paid to date by Carvana/XXXX. The additional amount still owed is {$1100.00} that was received and cashed by them after the account was already paid in full. 

Upon calling CarvanaXXXX at XXXX on XXXX at XXXX Pacific Time, I was informed that they have no timeframe on when I can expect my {$1100.00} refund and that it is still being worked on, several weeks after the account was already paid in full. 

Additionally, they informed me that there was no time frame upon which they will release the title to the vehicle.
Consumer complaint received 2021-09-20
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2017-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (VA)

I got a letter from suntrust saying my loan is in default as of XXXX XXXX which is absolutely NOT true. The grace period allows me to pay up until the XXXX of the month WITHOUT penalty and I have proof the my mortgage was paid on XXXX XXXX less the ridiculous {$82.00} late fee that they 've been charging me since XXXX XXXX and I refuse to pay ) for their repeated errors. This is completely unacceptable and needs to be resolved immediately. Even when I pay, they still manage to XXXX it up! That have absolutely no business being responsible for other people 's money.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Southwest Credit Systems, L.P. (PA)

Last year a collection originating from XXXX was added to my credit report. I disputed this and it was removed. Now as of yesterday the same account is added to my report from a different collection agency ( Southwest Credit Systems ). I have disputed this with XXXX and XXXX. I called XXXX on XX/XX/year> and they gave me an address of XXXX XXXX XXXX XXXX PA XXXX XXXX. I have never lived there in my life. This is a fraudulent account. They stated they opened an investigation but I need to fill out a large amount of paperwork and send it to them so they can start the investigation. I need this removed from my account as my credit score dropped almost XXXX points and I am in the process of purchasing a house. XXXX was of no help, and I am not comfortable contacting the collection agency.
Consumer complaint received 2019-03-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (WI)

I have called several times trying to solve this account. I filed section 129.21 in XX/XX/2018 I tried working with XXXX  XXXX who refused to help. I just talked to the original debtor last Thursday and was told the collection agency need to contact them about removing my account from the credit bureau. I keep getting the run around.
Consumer complaint received 2017-09-18
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. (ND)

I 'm a victim of identity theft. My XXXX XXXX credit card account/card is lost/stolen : XXXX, this account is listed and showing on my XXXX XXXX, XXXX and Experian credit report as open. This account should be closed. The XXXX XXXX credit card account was compromised.
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX I applied for a Capital One Visa card and I was denied due to company errors of new credit card application Capital One Mastercard approval back on XX/XX/XXXXor XX/XX/XXXX. 
In which six months has past as of XX/XX/2018 as Capital One Administration stated their guidelines is six months in applying and I had a Pending Capital One Mastercard Credit card back in XX/XX/XXXX orXX/XX/XXXX. 
That Pending Capital One Mastercard credit card application was approved onXX/XX/XXXX or XX/XX/XXXX in  ending # XXXX in which is active from XX/XX/XXXX or XX/XX/XXXXtill Present. 

I have been making timely payments since XX/XX/XXXX till Present and I pay over the $ XXXX monthly payments of {$100.00}. 
I spoke to Capital One Credit card rep on XX/XX/XXXX from my cell phone XXXX and requested for Capital One to " Reconsider Application of XX/XX/XXXX as Capital One pulled my credit and place a hard inquiry on my credit report and it decreased my credit scores on XXXX, XXXX and XXXX 

Also on my resisting Capital One Mastercard ending in # XXXX I requested a credit limit increase over {$750.00} and I was denied because of my XXXX XXXX. 
My XXXX XXXX Pension XXXX  income is around {$53000.00} a year with a XXXX % XXXX   increase every year on XX/XX/XXXX, so my XXXX Retirement income increases every year onXX/XX/XXXX. 
I am Retired and XXXX XXXX.I am also a XXXX XXXX XXXX Military Veteran.
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I was a victim of identity theft and I ask the company LVNV Funding to provide me documents on five accounts that they say I owed that was put on my credit report on XX/XX/year> for the amounts of XXXX dollars, XXXX dollars, XXXX dollars, XXXX dollars and XXXX dollars.I ask LVNV funding to send a license to say they operate in my state, i ask LVNV funding for a chain of custody which they never provided and I ask LVNV funding for a purchase agreement. In which they never provide.
Consumer complaint received 2020-11-25
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: CBC Companies, Inc. (TX)

XXXX XXXX XXXX  XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Deleted + 'icon ' Deleted XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains FTC was filed address was wrong took more than 30 days even law with covid gives creditors 45 days has past those violations in DAYs Fcra said if items are not 100 % accurate which I have proved in previous disputed items how can the above creditors deem this CORRECT
Consumer complaint received 2020-05-29
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. (NV)

Credit score hit -- Experian sells services I took advantage of falling interest rates to refinance my home, going through the same mortgage servicer.

In doing so : Score dropped 22 points XX/XX/XXXX Score Dropped XXXX points XX/XX/XXXX Score Dropped 12 points XX/XX/XXXX Experian wants to sell me products but doesn't want to answer my question as to how Lowering my home payment makes me a larger risk?
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX  XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your XXXX XXXX Updated + 'icon ' Updated XXXX  Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Deleted + 'icon ' Deleted XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains FTC was filed address was wrong took more than 30 days even law with covid gives creditors 45 days has past those violations in DAYs Fcra said if items are not 100 % accurate which I have proved in previous disputed items how can the above creditors deem this CORRECT
Consumer complaint received 2020-11-30
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. (AR)

Well, the process has been tremendously overwhelming to me as well as my daughter. This has been a 19-year process that has been devastated to me in resolving these issues with my identity as well as my daughter. It started when I worked for XXXX XXXX XXXX  when my daughter 's SSN number became my SSN number after being laid off for a week in the year of XXXX. Her SSN number became mine in the credit bureaus, which has been an ongoing problem with credit, taxes, and other related matters to my credit and taxes through all banks and credit reporting agencies. I have filed so many complaints with CFPB as you all probably can see. In the year of XXXX, there was a pre-approved letter stating to apply for a loan through XXXX XXXX, after making a call to the company about that it would not take my SSN the representative input the SSN because it would not take my SSN. After making payments for several months I got suspicious about the activity of the account because of the way it was set up on their end, so I thought I would apply because of the nature of the suspicious activity of the account that when I found out in the year of XXXX that I did not have an account in XXXX of XXXX with XXXX XXXX.That when the fight began it was put on my credit report knowing it was not my SSN that XXXX  had used to create this account.I filed a complaint against XXXX  in the year XXXX through CFPB, as you can see there is no signature on documents from XXXX, which this picture was taken on XX/XX/XXXX, which the loan was generated in XX/XX/XXXX. Each credit report has denied that the information was not put on my credit report which it was put on my credit report knowingly that it was not my account as reported by XXXX XXXX.I will be downloading documents from each credit bureau that it was put on my credit report.I even filed a complaint with the Arkansas Consumer Protection Bureau as well but never got an answer from the Arkansas Financial Protection Bureau in the year of XXXX it was filed through the Attorney General Office in that year of XXXX. If you would look at the two that are filed with you all on XX/XX/XXXX, you could see what was filed in this matter, with no response from the Arkansas Consumer Protection Bureau. On this day of XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-11-18
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. (MO)

I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD, yet I noticed that som information passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Please remove the remaining fraudulent information from my Credit file as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2021 XXXX Also, if you claim that the disputed items belong under my name, please send me copies of proof of verification or proof of ownership as a supporting document. In the absence of such documents, immediate removal of the disputed items will be appreciated.
Consumer complaint received 2021-08-16
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: Lending Club Corp (OH)

I have ONE loan with lending club, however, my XXXX  report shows the same loan TWICE which has caused me issues obtaining new credit and credit limit increases. 

I contacted XXXX disputes and all they did was update the duplicate account with the payment history of the existing loan. In other words they didnt do anything to remove the duplicate loan and did nothing to fix it but closed just dispute. 

I contacted lending club today XX/XX/21 and asked for help and was informed its a known issue, no resolution date, theres no letter they can provide before I apply for my new mortgage - so essentially we dont care just deal with it. Please help me as I plan to apply for a mortgage in three weeks and this will be a major problem. Not only that it has also impacted my ability to obtain credit lines in recent card applications.