davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (TX)

XX/XX/XXXX XXXX {$1500.00} ), XX/XX/XXXX ( {$1600.00} ) - I was informed initially by the organization that my account had insufficient funds available to process the above payments. After speaking with numerous representatives at the organization, it was disclosed to me that here was an error in their system with using the ABA routing numbers attached to my account. Thus making their claims that insufficient funds available a falsehood. As a result, the organization did a hard copy credit report analysis on my credit standing. In response, the organization reduced my credit level by approximately 92 % by making false statements about my payment history, not only within the organization, but by other accounts listed in my credit report ( XXXX  ). As a result, I pulled my credit report through the company that they use and there are NO late payments reports from ANY creditors listed on my report. This organization is reporting misleading and false information to my credit report and making misleading and false claims upon my payment history as reported by XXXX. This organization has continued to make these false claims, regardless of any resolution attempts to correct the mistakes.
Consumer complaint received 2022-04-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation (TX)

I have contacted this company in writing and by telephone to address the fact that my financial situation has changed and requested a settlement offer. There has been no response to the settlement offer in writing, as requested per the letter. When I received a call from them, the lady on the phone was rude and said she saw the offer and that I was still needing to make a full payment. The letter also indicated the ONLY form of communication would be through writing by mailing address or email and only communicate with me and not the references listed on the loan application to which she responded that per their documents at the time the loan was signed, they are able to contact me at any time or place and use and contact the references listed. I have been making payments, but am running out of time and money to do so in a timely manner, hence, the settlement offer. This particular company has offered 2 deferrals within the last 3 months to help the situation, but has not responded to the offer or has not offered other options. They have attempted to call all of the references listed on my account even though i have repeatedly told them not to. They did not validate these references at the time of my contract to make sure it was ok for me to list them or call them, therefore, they are being harassed for something they have no knowledge of and have been given my personal information.
Consumer complaint received 2019-09-26
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. (GA)

I received a copy of my credit report and there was several errors and incorrect information reporting with regards the Dept of Education/XXXX. My account has been in deferred status for several years with XXXX amount due. My XXXX, XXXX, and Transunion reports are incorrectly showing that I was 90 days late in XXXX and 180 days late in XXXX and in XXXX. Please assist me in removing these inaccurate late reportings from my credit file. 

There are 10 Dept of Education Accounts reporting this inaccurate information on my credit file.
Consumer complaint received 2020-01-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

The purpose of this complaint is to let whoever is concerned know that I am a victim of identity theft. I have been disputing the account listed on this report for a couple of months now. The first time I sent in paperwork was around XX/XX/2019, and all the accounts that resulted from my identity being compromised were removed. However, as of recently, the XXXX-Card and XXXX XXXX XXXX mortgage listed in my doucuments have began to report on my Experian and XXXX  report once again. I noticed this in XXXX and once again I sent in documents to prove that the account does not relate to any transactions I have made. I had no gain of goods or services from these accounts. Yet, they continue to report on my Experian and XXXX report.
Consumer complaint received 2022-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (NY)

I had a monthly service with XXXX XXXX. On a specific occasion, I requested an add-on to my plan to allow for international data service. I then requested to have the add-on removed from my plan. XXXX nor myself were able to remove the feature due to an error message. Many different representatives at XXXX attempted to correct this but were not able to. Because of this, my phone bill continued to incur charges that amounted to a substantial amount of overage charges. I disputed this with XXXX after disconnecting my service with them, and they have referred my account to a collection agency, which is not allowing my dispute via XXXX credit agency to obtain written communications that occured between myself and several XXXX representatives.
Consumer complaint received 2022-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

The paperwork I received in the mail has a sale date of XX/XX/2022. I don't know if this is accurate and if PHH has me listed for sale as I have been numerous time and the sale was postponed. Please see attached documents for clarity on the ongoing challenge I am incurring with PHH. I was offered a substandard modification and have requested several times to have the documents redrawn however, no explanation has been provided after several request as to why the underwriting department is refusing to reconcile the documents. Whatever assistance you can provide me will be greatly appreciated.
Consumer complaint received 2022-01-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Representative, I really need your help solving this fraud issue with BOAXXXX debit card. After numerous called made. I keep getting the same answer from them. We are still investigating or We will resubmit your claim again. 
. 
On XX/XX/XXXX, I called BOA/XXXX ( XXXX ) XXXX to report a total of 370 fraudulent charges of individual {$1.00} made to my account for a total amount of {$380.00} on XX/XX/XXXX by XXXX XXXX XXXX On XXXX XXXX I was credited {$100.00} claim number : XXXX. 
kind of odd that I only received a partial credit when all the fraudulent charges were made on the same day Called back again and this time another partial credit was issue back on XX/XX/XXXX I was credited {$77.00} Claim Number : XXXX again just partial XX/XX/XXXX. I called back again. After requesting to talk to a manager I was placed on hold for over 30 min. Still could not speak to a manager. However I was told that a claim for a {$290.00} was being submitted Today XX/XX/XXXX I called to asked why the credit has not been issued. As usual I got the same answer we are still investigating Please advise Thanks in advance for helping me to solve this issue XXXX XXXX
Consumer complaint received 2021-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (ID)

Opened up XXXX XXXX XXXX card Live in Idaho. Saw card was used in California - Called XXXX XXXX XXXX and disputed charges, told me they closed my account for fraud / identity theft. 
Then get notice I am being sued for " debt '' bought but Midland credit management for account that was closed for fraud. 
Process server for Midland credit came to home and threatened to notify neighbors, friends, family and work. ( Have on video via our XXXX camera ). Asked to please leave property and stop threatening us.
Consumer complaint received 2021-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that the 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Bureaus are reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2016-05-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ERC (GA)

I have been cursed and threatened by the agents with this collection agency and this has been investigated twice before and been removed from my credit report and I am tired of the harassing phone calls and annoying letters from a debt that I do not owe.
Consumer complaint received 2018-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

On XXXX2017 I sent {$140.00} from my Chase account to my son 's account, also Chase using XXXX XXXX. After learning from my son that the transfer never took place, I went to one of their branches located at XXXX XXXX and XXXX XXXX   and spoke to a representative, XXXX XXXX. He listened to the problem but said he could not do anything since the money was accepted not by my son but somebody else. We called customer service and filed a claim # XXXX. XXXX XXXX   reviewed the record and found that my son 's phone number on file was not up to date and the person who had the number now had accepted the money. The person 's Bank was identified as XXXX XXXX XXXX ( XXXX ). He advised to call the person and try to have the money returned and I did. The girl who answered expressed that she had accepted it but after speaking to her mother and reviewing her account the money was no longer there. Not sure if the claim filed placed this money on a special account hold. It's been almost three months and nothing has been done by the bank to remedy this situation. I believe XXXX XXXX  needs to contemplate potential errors with customers and have solutions in place understanding these are electronic transactions from bank to bank and can be fixed internally once a complaint has been filed.
Consumer complaint received 2022-01-10
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX auto finance are illegally reporting late payments on to my consumer report without my consent. Ive been in contact with XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX to have this information removed off of my consumer report since I did not give them my consent. They have willfully non-complied with my request even with me stating the laws under the FCRA that they are governed by. 

I informed them that Late payments is a transaction with the line of credit that was extended between the consumer me ( XXXX XXXX ) and the person XXXX XXXX, XXXX XXXX, and XXXX auto finance that is making the report. Congress clearly states that the report of transactions or experiences between the consumer and the person making the report is not included on the consumer report. You have violated the FCRA 15 USC 1681 ( a ) ( 2 ) ( I ) by reporting this transaction on my consumer report which Congress clearly states is not included on my consumer report. Ive informed them that they have 10 calendar days to delete all late payment transactions listed but they have failed to comply. So I am seeking remedies to this matter.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2021-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (WV)

A previous debt for {$530.00} from XXXX XXXX  ( Financial ) that was removed from my credit after 8 years, was put back on my credit by Jefferson Capital System as a new account. The original debt was opened in XXXX and removed from my credit around XXXX. Jefferson Capital System put it back on my credit with different opening dates that listed from XX/XX/XXXX to XX/XX/XXXX. I've disputed it multiple times to have it removed, but each time I am told it is accurate. To my understanding, once a debt is removed ( original debt from XXXX ) can not be bought and reaged onto someone's credit again as if it is a new open account. In the last dispute I made, Jefferson Capital System updated the multiple dates they added with XXXX of XXXX, which is still not accurate because the debt is over 9 years old. I had not heard from XXXX XXXX regarding this debt, as it was over 8 years old and had been removed from my credituntil Jefferson Capital System put it back on my credit.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions There is incomplete and inaccurate information on my report.
Consumer complaint received 2018-02-07
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: TD BANK US HOLDING COMPANY (PA)

XXXX 's client XXXX XXXX is an identity theft victim. His information was used to establish an account with TD Bank/Nordstrom and a balance of {$110.00} was placed on the card obtained. A formal dispute of this account was made XX/XX/2017 however as of this date TD Bank/Nordstrom has failed to provide an update as to the status of this disputed account as is their obligation under the FCRA.
Consumer complaint received 2018-02-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANKUNITED, NATIONAL ASSOCIATION (CA)

I submitted a package to Bank United back on XX/XX/XXXX in request to mortgage assistance. They requested additional information in which I sent to them in a timely manner, as of XX/XX/XXXX, I was informed my application is with the underwriter and is in active review. I am facing a foreclosure sale date on XX/XX/XXXX and the lender nor the foreclosure attorney have postponed the trustee sale, leaving me in a panic and stressful situation. I am aware of the laws of dual tracking and I know I must be provided a decision prior to the lender proceeding with the foreclosure. If I am denied loss mitigation assistance, I have the right to appeal in a timely manner. I am not sure why Bank United can not postpone the trustee sale given there are only 2 business days left until the trustee sale and leaving me to be unsure of how things will proceed and to be in a panic. Additionally, I was never provided a direct point of contact nor did Bank United reach out to me for options to save my home both which are violations of the Homeowner Bill of Rights.
Consumer complaint received 2022-04-29
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. (KY)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, and XXXX, has violated my rights. 

15 U.S.C 1681Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Sections 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my writ
ten instructions
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (GA)

American Express sent me a replacement card for a card that was damaged via XXXX at my request. The card was marked as delivered by XXXX but did not arrive. I called American Express customer service, who told me I could request another card, but they would have to cancel my existing card number. A replacement Card would either need to take 7 business days via USPS or be sent by XXXX  again. Since XXXX is unable to deliver my card I am uncomfortable giving them the replacement card as well, and asked for another courier to send my second replacement card. I was told those are my two options.
Consumer complaint received 2019-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (WA)

On XX/XX/2019 when attempting to get pre-qualified for a home mtg. loan, I found that there was a collection on my credit report. I contacted the original creditor, and asked them what I owed their company. I right then paid the outstanding amount they said I owed. The company emailed me a receipt. I then rechecked my credit report after a few days, and not only is the debt still showing unpaid but another collection agency on XX/XX/2019 added a new collection from the same original creditor. I have asked and sent numerous emails to try to resolve the issue, with no response what so ever. I also called the collection company, was told someone would email me. I am trying to purchase a home, and this is an urgent matter. I need a response, and need my credit report updated showing the account has been paid.
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, and XXXX, has violated my rights. 

15 U.S.C 1681Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Sections 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-30
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. (PA)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  and XXXX XXXX XXXX XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2018-02-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Credit Acceptance Corp reported my husband and I 30 days late on both of our credit reports. I called to ask them what happened because I had made a payment and it posted to my account and I had a confirmation number. Credit Acceptance traced the payment to our 2nd car loan account and found that the payment had been placed on the wrong account. Well our insurance also just paid off that 2nd car due to an accident from all the horrible snow we have gotten. Credit acceptance said that even though the payment went to the wrong account they couldn't open that account again and place it o the right account because the account was paid off and closed now. I spoke with a XXXX from Credit Acceptance and she said that she was placing a note on our file that her supervisor told her for us to dispute it and then when it is investigated the can let the credit company know what happened and that it was not late. Well we disputed it our dispute came back today saying that credit acceptance told the credit bureaus that it was true and accurately reported as past due. So obviously whoever did the investigation is just horrible at their job and not very thorough or the person working at Credit Acceptance didn't look into our file to see the notes they said they had placed.

Either way, this company has violated our FCRA rights and is making false allogations because they can look into their system and see that our payment was made in to the 2012 XXXX XXXX   account not the XXXX XXXX  account like we said and then see the notes from previous phone calls that they are supposed to be taking as part of their jobs. They also said the call was recorded so there are those records as well.
Consumer complaint received 2021-11-09
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: EQUIFAX, INC. (VA)

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 I'm 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 promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.