davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I entered into a contract to have my negative account deleted off my credit reports after I paid the entire balance of the account. the part of the agreement that was supposed to be upheld by the company has not. Therefore they have breached the contract
Consumer complaint received 2021-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

Received a letter on XXXX XX/XX/2021 from Southwest Credit XXXX XXXX XXXX, Suite XXXX XXXX, TX XXXX with an unfounded clam that I owed a power company, XXXX credit account No. XXXX a total of {$720.00}. I responded in writing that I did not open that account, I did not and have never had any accounts with XXXX and that I did not own any overdue debts to them or anyone else. 
They responded by sending a copy of the bill from XXXX with my name and some ones else address in another state I have never been to. They made NO attempt to validate if this was a valid charge against me and then filed a debt collection on my XXXX credit report. 
I told them in writing that this not my account, that this was not me and that I have never had any dealing with XXXX. 
This is no more than a strong arm/fraudulent attempt to collect money they aren't owed and don't deserve!
Consumer complaint received 2016-05-03
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (FL)

US Bank suggested that I do a loan modification because I was always a few days late on my mortgage but never more than 30 days late. They said that my mortgage would be lowered as a result of the modification. The modification did not lower my mortgage as US bank stated it would. They told me I needed to make payments through XXXX XXXX which I did. As a result of me making my payments through XXXX XXXX and them not applying them immediately they reported several late payments to the credit bureaus. I do n't think this is fair because I would not have been interested in the modification if they had n't made a false promise that it would lower my mortgage when all it did was hurt my credit.
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It May Concern : I have recently been informed that there is negative information reported by US DEPT OF EDXXXX, in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$6000.00} and that the balance was updated on XXXX XXXX. This balance is incorrect. 
I challenge the accuracy for the third time, compliance and reportability of this listing. 
Please validate this information with US DEPT OF ED/XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2016-10-11
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (VA)

Midland funding purchased my debt from XXXX XXXX XXXX in which I paid off I never had an account with midland funding which is a third party debt collector that buys debt for as low a {$1.00}. They have no proof that I ever had dealings with there company they are reporting false information to the credit bureaus
Consumer complaint received 2022-02-08
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. (GA)

I have been trying to dispute a collection account by the name of XXXX XXXX XXXX, that is reporting on my credit report as newer debt, but it is past the statute of limitations for the state of Georgia ; I have successfully been able to get it removed from two credit bureaus when I submitted the dismissal I received from court but Experian is refusing to remove this collection account from my report, stating the information is accurate, even after submitting the dismissal letter. The information is definitely not accurate ; the account with the original creditor became delinquent in XXXX and there was no further activity on the account after that. That is 8 years and the statute of limitations for Georgia is 6 years. I am trying to buy my first home and this is damaging to my credit and I can not understand why Experian will not remove the debt from my credit report after submitting a dismissal letter from where it was dismissed last year in XXXX of XXXX because the debt is too old to sue for. I need help with this matter so I can get this removed from Experian.
Consumer complaint received 2023-03-17
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. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2017-02-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: WELLS FARGO & COMPANY (TX)

I am trying to be proactive on my credit report since this is affecting my score heavily. I have a Secured Credit Card, and a previous College Credit Card with Wells Fargo. 

I closed my college credit card back in XX/XX/XXXX. I had that account deferred for payments since I was paying for college and could not maintain the payments. I communicated with Wells Fargo Card Services that I would not be able to make payments. I was told that my account would be noted and not assessed any late fees or notes on my account. 

According to XXXX and XXXX, and Wells Fargo Credit Card Services ; I have not had late payments as I communicated with WF that I was going through financial issues with paying for school. And I did not have any late payments. I have contacted Wells Fargo XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called requesting written information from them stating that I was not late on any payment. Of course the agents that were assisting did not fulfill their promise of reaching out back to me. 

For this I am contacting the CFPB, I am requesting that the XXXX day be removed from my account since it is affecting my score indefinitely. I would kindly ask this of you. Furthermore I am requesting the creditor, Wells Fargo, to remove any late fees or remove this account from my credit file. In addition, I am given pushback that they cant find my closed checking account and am rerouted at least XXXX times every call. It is frustrating and wasting both our times. Thank you.
Consumer complaint received 2015-12-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

There have been several request made for information to be researched and validated with Experian. The problem is the companies that I am listing would not respond directly to my request for validation or any type of information so how is Experian able to validate or verify anything? The below accounts need to be removed ASAP. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bank XXXX
Consumer complaint received 2015-06-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Accelerated Creditors Services, Inc (ID)

I was XXXX and on my XXXX I visited XXXX and as a XXXX there is a co-pay paid up front of {$35.00}. This was paid and I received medical services. I went back to XXXX from my XXXX and XXXX sent out a billing that I did not receive since I was in XXXX. Upon my return in 2012, I ran my credit report and saw an XXXX bill and paid the {$70.00} on XXXX XXXX 2012 ... from XXXX XXXX XXXX XXXX : XXXX XXXX/ONLINE PMT/XXXX XXXX XXXX /WEBWhen I saw this still on my credit report I contacted XXXX XXXX XXXX , Director of Financial Operations , XXXX who in turn contacted XXXX and advised them to remove from my credit report, XXXX acknowledged that they would ... I followed up with XXXX XXXX year later since it was still showing on my credit report. XXXX stated it would be taken care of again.Currently it is on my credit report with XXXX under XXXX XXXX XXXX, XXXX. XXXX stated they called XXXX to have them remove immediately, yet XXXX is still showing as a collection and a balance due of {$70.00} with ACS and not XXXX.XXXX is not using due diligence and is ignoring both me and XXXX.
Consumer complaint received 2021-01-26
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: Experian Information Solutions Inc. (MA)

I deferred my payment for my student loan and they were still charging me during my time of deferment. So on my credit its showing that I have multiple late payments because they claim when I deferred my payments I was not specific on which account. I make one payment monthly for all my loans why would I have to specify which account I was deferring.
Consumer complaint received 2016-10-10
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (MI)

I was told by a Wells Fargo employee that I would not be charged a fee to use my XXXX XXXX XXXX Credit card while overseas. The information regarding fees was not disclosed at the time that I opened this credit card. I was in XXXX for over a month using ATM machines. I now am responsible for {$110.00} in fees. I feel like the information I received was misleading.
Consumer complaint received 2015-11-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (MI)

I am a co-borrower on a car loan though Santander USA. I have had this loan for 2 years and recently lost my job. The car was repossessed in XXXX of 2015. I did not receive any information regarding the repo, and had to call to get the information on where the car was taken to. One day after the repo it was transferred to the auction house. My property was removed from the vehicle and I had to pay {$75.00} to get that, then I had to pay another {$150.00} to get the car back. On top of these fees, Santander charged me another {$300.00} for repo fees. Upon finding out about the repossession, I made arrangements to place all of the late payments on the back end of the loan including the repo fees. I got the car back after I made a payment of {$390.00} by XXXX. I called to get the vehicle released as I had fulfilled my end of the verbal agreement. I picked up the car and assumed that everything would be set until the next month. After receiving excessive calls from Santander it came to my attention that they have no intention of honoring our verbal contract. They threatened to repo the car again because they are saying that I am 30 days late for my XXXX payment! You can understand my frustration when you do all you can to get ahead and the slap you with so many fees and then break the agreement that we had when I fulfilled my end of the bargain. My question is, what did the {$390.00} go to? Please help!!
Consumer complaint received 2022-02-08
Product: Mortgage — Other type of mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: LoanCare, LLC (CA)

My main mortgage is with XXXX XXXX on a second residence. Took out a {$100000.00} loan years ago ( at that time with XXXX ) who sold the loan to XXXX, who sold the loan to Loancare or Loancare is company collecting for XXXX. Haven't figured this out yet. 
Loancare reported 6 late payments back in XXXX. Looking through my bank statements found that payments were made on time, not only to Loancare, but XXXX also took out the same amount at the same time- so double payment even if the report NO payments!! During Covid got mitigation from Loancare. Resumed payments in XXXX of XXXX, however every payment was reversed back into my bank account. I could not reach anyone at Loancare nor XXXX on the phone. I wrote letters, see attached. Loancare did send me some check totalling {$910.00} ( no letter of explanation attached ) Last I finally talked to someone at Loancare who said I should pay up over {$9000.00} to make the loan current!! This is a total mess and I am afraid that Loancare is trying to take away my property for non-payment, even though I have been paying all along, I filed a complaint with XXXX  but have not heard or learned of any resolution.

Loancare is now sending my application forms for loss mitigation. I have complied with their request and sent them all the documents they required. Loancare keeps saying that I am missing documents and they are now threatening with foreclosure. Short of hiring an attorney, which I can not afford ( I am an XXXX XXXX XXXX retired woman ) I don't know what to do and am at my wits ' end. Please help if you can.
Consumer complaint received 2017-02-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (MT)

Toyota Financial reported a late payment on my credit in XX/XX/2017. I have no late payments and after speaking with them, they said they have no record of it in their system so they ca n't do anything about it. I am in the process of purchasing a home and this error by them caused my credit to drop below the acceptable rate to acquire a home loan. After repeat calls to Toyota they still wont correct their error.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I received my full credit report as of XX/XX/XXXX, I notice inconsistent reporting regarding a late payment on all three credit reports. 

XXXX : XXXX XXXX XXXX Reporting a missed payment as of XX/XX/XXXX with account being open XX/XX/XXXX Equifax : XXXX account XXXX XXXX Reporting a missed payment as of XX/XX/XXXX with account opening XX/XX/XXXX XXXX : XXXX XXXX Reporting a missed payment as of XX/XX/XXXX with being open XX/XX/XXXX I will provide screenshots of the inconsistent reporting showing on my reports, Prior to my review of my credit report I informed the credit company that I have been injured at work which my income as been placed on hold due to not being able to work due to the injury which is reason for missed payment, I asked for options of hardship to avoid the negative reporting I was advised no process in place for this type of issue I was informed to get the payment in as soon as possible, I was advised the payments will still be reported, Reviewing my reports it shows the reporting of this late payment is inconsistent between the XXXX reports. I am aware all reporting has to correct and accurate at all times
Consumer complaint received 2020-07-13
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: EQUIFAX, INC. (VA)

For account ending in XXXX. Last for of the card is XXXX. Equifax sent an incorrect statement to XXXX XXXX about my application being a fraud account when I did not report that. XXXX XXXX closed my account after that. I have been working with them to reopen my account. They are stating they are waiting for Equifax and XXXX  to put it back on my credit report. It is currently showing on my XXXX  report. This has been ongoing since XXXX and it is now XXXX. 

I'm unable to use my card and this has stressed me out completely. I called XXXX XXXX on XX/XX/12 to make a payment and XXXX told me I could not make one. It was reporting to XXXX  as past due when I couldn't make payments and did not know it was showing as past due as my account wasn't viewable online and I'm not getting statements because my statesment are online only but I can't change that due to no online access. I only knew because I got a " friendly reminder '' in the mail stating I was 2 payments behind. I want this corrected. Do I have to obtain an attorney to get this fixed on my credit report?
Consumer complaint received 2016-09-30
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH)

My name is XXXX XXXX XXXX XXXX XXXX 2016 I sent {$910.00} to my little brother XXXX XXXX for the family at Walmart on XXXX XXXX XXXX Ohio, the reference number given to me read error ( unable to look up reference number, transaction can not be received now, have customer contact moneygram..Ac error XXXX ) but moneygram system was reading that the money has been picked up which is not TRUE!!! 
I contacted moneygram over here ( CASE NUMBER..CRM XXXX ) ... .but all they keep saying they looking into it ... they have n't gotten back to me for once to tell me how the issue is being dealt it..now all I want is for moneygram to solve the issue by making sure my recipient has received the money since I was charged for their services ..so they need to hold their end of the contract and deliver the money.
Consumer complaint received 2023-03-17
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2015-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I sent Equifax all information on tax lien from XXXX XXXX XXXX I sent youConsumer Federal Protection Bureau this informationCase # XXXX where tax liens were reported in error Equifax only put mystatement but did not remove CFTB has this information it was sent toyou by me XXXX removed from file Equifax has not removed only XXXX and left the other with my statement I want it removed and for CFTB to view supporting documentationI sent you back in XXXX XXXX 2014 CASE # XXXX sent you this information Consumer federal trade bureau XXXX XXXX 2014
Consumer complaint received 2016-03-11
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (PA)

On XXXX XXXX, 2015 I received a letter from CitiMortgage stating The Making Home Affordable Program recently announced an expansion of borrower " pay for Performance '' incentives for eligible loans. I met all the qualifications and received the {$5000.00} which was applied to the principle. This {$5000.00} would have reduced my mortgage by $ XXXX monthly. The form to accept this offer required my signature only ( see attached ) Received my monthly statement from CitiMortgage for {$2000.00} instead of {$1900.00} ( recast ) incentive the paper work I received and phone contact from CitiMortgage all indicated I received the recast and was approved. Called CitiMortage was assigned to XXXX XXXX. XXXX XXXX # # XXXX EXT # XXXX. She stated only I had to accept the offer but all must sign the RECAST paperwork, if stands to reason IF ALL MUST SIGN TO RECEIVE THE REDUCTION IN THE MORTGAGE " ALL MUST SIGN TO ACCEPT THE OFFER AS WELL. I feel like a VICTIM OF A BAIT & SWITCH SCHEME. Please help me Im XXXX on a fixed income. $ XXXX monthly may not seem a lot to some but it is to me.