davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

This XXXX XXXX XXXX was deleted almost two years ago and readded 3 months ago. This account is not mines and I have disputed in the past. 

XXXX XXXX XXXX {$4100.00} Closed Inquiries below : XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans XXXX 
XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Auto Dealer Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX In Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing
Consumer complaint received 2021-09-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is a formal complaint against XXXX, XXXX and Transunion. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continue reporting inaccurate and unverifiable derogatory information about me to potential creditors. That being said, I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files because they continue to report erroneous accounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account. Not to mention the fact that they're simply ignoring the proof that I've sent them.
Consumer complaint received 2020-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I've seen no changes for the accounts that I have filed last month, I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IN)

My home loan was going to reach maturity date but was not going to be paid off. Bayview loan offered to modify the loan where the payments would be reduced to {$190.00} with the first payment due on XX/XX/2019 and then due on the first of each month. I was advised no payment was due in XXXX due to the modification. 

Bayview continues to send " get back on track '' offers. They call my husband and me multiple times a day. When I call them they advise me I owe for 4 months as I am 4 months behind. But then I confirm I am not four months behind. The " speciality dept '' says the " regular '' dept has not been trained and they are not able to help me. However, they keep reporting my loan late to the credit bureaus. My loan has been current for months and yet they just recently reported it 90 days late when it is not. The telephone calls, late notices, foreclosure notices and the major hit on my credit report is unacceptable. I am current on my loan but they refuse to update their system.
Consumer complaint received 2018-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MA)

Subject : Illegal, fraudulent & deceptive business practices. 
Hello, this is concerning my CareCredit/Synchrony Bank XXXX. XXXX XXXX, XXXX, FL XXXX account # XXXX XXXX XXXX XXXX. 
1st. this Care Credit is unfair advertising at medical establishments to help people that are in need for care without insurance and resulting in nothing but issuing nothing but a high interest credit card ( mine is 26.99 % ). and high fees Usually {$30.00}, which intern doubling the payment. I believe they have no intention to help people and are just using the situation as a right off for the large portion of people will end up in default. 

2nd My Personal situation I was late on a payment I think of {$26.00} and was charged a late fee on top of my amount due for {$30.00}. The total would be {$56.00} payment due. I called and discussed the situation and customer service agreed to reverse the {$30.00} fee. So I thanked them and made my payment of {$26.00}. I thought that was good. It wasn't, my next bill came in and again a {$30.00} late fee for late payment, Again I got on the phone and they said that they will not reverse the fee again. They tried to explain to me that since I received a bill for {$56.00} which included the fee and was reversed I was still was required to pay the {$56.00}. not to mention the added interest rate.

At this point I asked to talk to a manager and without avail was unsuccessful in explaining to them the unfairness/deceptive the situation was. The manger also reminded for to read the service agreement with them ( like 4000 words ).

This is the most disappointing part. I requested to whom I could file a complaint with than the response I got was I was doing now with a manager. I said no you are a bank and i want to file a complaint with the government agency you report to. His response was that they fill all their appropriate paperwork with the government. I said I don't care what you submit, I want to submit a complaint to them, what's there address? And he didn't give it to me or help me in any way. no responsibility. So i said to him so you refuse to give me any info to file a complaint and I will have to find it myself. Very dishonest and deceptive. they should be held accountable for their actions and now have to deal with them calling 20 times a day. Feel free to contact me any time. XXXX. thanks
Consumer complaint received 2020-10-26
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: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a certified letter requesting validation of inquiries, on my credit file. I was sent a generic letter stating requested information was verified. The reporting agency did not fulfill their responsibility to conduct a proper investigation to my request according to FRA, Section 611 ( a ) ( 6 ) and ( 7 ). However, there were no information, as far, as, proof of who was contacted and what information was obtained to verify the accounts was accurate.
Consumer complaint received 2023-01-11
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. (GA)

I use to have a mortgage with this company, but they were completely paid off in 2020. They keep reporting to my Experian, XXXX, and XXXX credit report as an open account even though it is an closed & paid in full account. They are ruining credit score and I have talked to credit and this servicer with no type of resolution. At this point, they are blantly and with intent to ruin my credit and will not report to all three credit bureus that his account is closed as of 2020. Also, they are reporting each month to my credit report as late.
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I used my Capital One Walmart Rewards card for groceries. I order groceries for my elderly mom and stepfather. On XX/XX/XXXX " XXXX '' ( XXXX ) did not call or text before delivering the order to her house. She called me right away and told me someone else 's food was on her porch. I called Walmart. The phone rang a long time before got an answer. I told the employee what happened. He asked his supervisor what to do. He said to give away, donate or use the items that were delivered. They were unable to exchange them due to covid. I would not be billed for them. He took down the order number. I order the same items to be delivered XX/XX/XXXX. That order was correctly delivered. I was billed for both orders! I tried again to call Walmart but could not get through. I disputed with my credit card company. An employee at Walmart lied and told the credit card company that the order was delivered and in good condition (?! ) so the credit card company rebilled me the disputed amount! My mother also sent them a letter. This is a lot of work and aggravation. I have tried reaching to higher Walmart employees. They said they are not going to correct it because I got the credit card company involved. This Walmart is in XXXX XXXX in XXXX Ohio. Their phone number is XXXX. On XX/XX/XXXX I contacted Capital One XXXX. I spoke with Both " XXXX '' ( was disconnected ) and XXXX XXXX. I was told " The case was considered closed. '' They told me to resolve it with Walmart. Walmart XXXX ( XXXX XXXX ) said to resolve it with the credit card company. I refuse to pay for groceries that were delivered to someone I don't know. Walmart does not give paper receipts. I took pictures of what was ordered both days and billed and they were sent to Capital One through a link they sent me.
Consumer complaint received 2018-07-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (PA)

I filed a compliant with your agency in XX/XX/XXXX, company never verified debt with collection agency and it was deleted from credit report. In XX/XX/XXXXit was sold to another agency which is reporting in my report without validation. 
Consumer Financial Protection Bureau Reference Number : XXXX ; XXXX XXXX Date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-07-23
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a loan with CAPITAL ONE AUTO FINAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAPITAL ONE AUTO FINAN with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XX/XX/XXXX.
Consumer complaint received 2022-08-12
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. (NY)

This is a follow up, an update from a previous complaint. I represent myself. 

I have notified credit reporting agencies and financial institution that they are reporting an account that is past the New York statue of limitations. 

New York Consumer Credit Fairness Act was passed XX/XX/2022 ; New York 's statue of limitation is three years. 

The account has not been removed from all three major credit reporting agencies. 

If it is not removed within 15 days from all three major credit reporting agencies XX/XX/2022, I will move forward with legal action.
Consumer complaint received 2021-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC (CA)

We have been trying to get this corrected on our credit report since XX/XX/XXXX. 
Can you please assist us with providing us a letter stating that we have paid the account in full as of XX/XX/XXXX and that we had no 60 days late or greater in the previous 12 months. 
We requested a pay off in XXXX of XXXX, and when we did not receive it, we paid the balance, plus two extra payments. We tried for 6 months before we were successful in closing this account at the end of XX/XX/XXXX. 
This is now compromising our ability to get a better interest rate on our mortgage, and costing us time and effort to get this resolved. 
We have until XX/XX/XXXX to resolve this without incurring further fees. 
We would very much appreciate you providing this documentation to our SLS account portal and notify us via email that this has been accomplished so that we can proceed with our refinance. 
cc : Consumer Financial Protection Bureau XXXX, XXXX and XXXX credit reporting agencies
Consumer complaint received 2019-08-19
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)

Please reverse the late payments reported on the following accounts: XXXX XXXX XXXXxxxxxxxxx and XXXX XXXX XXXX XXXX XXXXXXXXXXXThe accounts were never past due, i never made a late payment to this company ever please change this , i have a good relationship with these companies.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (TX)

This company continues to harass me, Calvary portfolio and XXXX  regarding a debt that is not mine. The cards were opened by an ex with an affair, not paid from any of my personal accounts and no record of discussion with anyone regarding debts that are not mine. This is not my debt. Know nothing about the debt.
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HONOR FINANCE, LLC (OH)

Bankruptcy filed XX/XX/XXXX and discharged XX/XX/XXXX case XXXX XXXX  in the XXXX   XXXX ohio federal bankruptcy court. One account, Honor Finance has been notified of the filing and discharge but refuses to change the status to closed and XXXX. Multiple attempts to speak with someone results in voicemail. No call backs and no return emails. The bankruptcy was discharged and by bankruptcy law, they are required to change the status correctly. This is now affecting my credit report as they will not show account closed. My account with honor finance is # XXXX. I have disputed each and every Credit agency report. This account was not reaffirmed in the bankruptcy.
Consumer complaint received 2018-07-23
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: Avant Credit Corporation (MD)

Complaint Against : Avant XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, Illinois XXXX My loan details Customer ID : XXXX Loan ID : XXXX My Complaint : Company is reporting account incorrectly on credit report, deliquent account was never charged off, creditor continued to poison my credit report for 3 years, reporting 120 days late every month. Number of days late per month was incorrect. Contacted company to pay off loan and come to a fair good will compromise and the company refused and states they were reporting my account correctly every month and would not revise the reporting.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc. (IN)

Hire Right Inc. XXXX/XXXX/XXXX case number XXXXHire Right will not correct dates of employment for XXXX XXXX XXXX. Dates of employment was XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, I never worked one day in XXXX XXXX and they will not correct it on my employment history. This error will effect my chances for employment. Instead of making information right or wrong they decide to take the side of the paying customer. I would like to see any proof that I worked one day for XXXX XXXX XXXX in XXXX XXXX, just because the pay period ended on XXXX not mean I worked in XXXX XXXX.
Consumer complaint received 2021-09-21
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. (GA)

Last XXXX I sent documents but I haven't received any response yet. It's almost 30 days now.. I feel like I'm being taken advantage of and being ignored for my disputes. 
I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused report me.
Consumer complaint received 2019-05-15
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. (VA)

Experian allowed companies to access my credit report and place hard inquires with out my permission and now they blame me and will not remove them. 

The law is clear when you can not prove that I gave you access to my a profile you MUST remove the incorrect info not just they have a wright to do anything they want and hurt my credit. 

XXXX XXXX dob XX/XX/XXXX SS # XXXX-XXXX-XXXX
Consumer complaint received 2018-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (CO)

Date : XX/XX/2017 to date XXXX XXXX account attempting to collect a cancellation fee that is not owed and continue to add charges. 

Dispute, early termination fee. {$380.00} I transitioned to another carrier in XX/XX/2017. I did not have an open contract with XXXX at the time of the change. I paid our monthly bill up and through XX/XX/2017, when we switched to another carrier. The auto payment was terminated by XXXX as well as online viewing capabilities. XXXX refused to provide a final bill without an attorney letter. XXXX refuses to provide proof of contract to date. XXXX erroneously added the additional termination fees and the fees appear to continue to climb. 

The agreement with XXXX XXXX was to pay monthly fee for services on our 2 phone lines. There was a delay in paying the final monthly bill of {$160.00} on XX/XX/2017, which was paid upon proof of the final bill received by XXXX in XXXX, 2017. 

The delay from XXXX to XXXX in payment was because XXXX refused to provide a final bill after multiple attempts. Further, I had to hire an attorney to send a letter to XXXX on XX/XX/2017 to dispute the bill and provide the monthly statements ( letter attached ). XXXX has implied that I have a 2 year contract, I did not have a contract at the time of cancellation. I had our service with XXXX for over a decade and never missed a payment and was always on time with payments owed. I did not purchase a device on a plan in the past 2 years on either of our lines with XXXX. All of the phones we have purchased outright. According to the agreement, on XXXX there will be a XXXX cancellation fee for those customers who have completed the contract. When documentation was requested as to why the termination fee was applied, it was denied ; rather XXXX chose to engage multiple collection agencies, even after multiple attempts to come to a resolution. Many of the collection agencies hired by XXXX stopped collection efforts after XXXX could not supply them with proof of contract and amount owed. MRS BPO LLC have not stopped the efforts and have impacted my credit score. This action by XXXX has negatively impacted the credit score of well over 800 and is now seriously damaged. Addition to this, I hold securities licenses and this action has the potential to negatively impact my XXXX and has created undue anguish and could possibly cause even further complications with my employment. 

This letter serves as a complaint and dispute for erroneous cancellation/termination fees charged by XXXX XXXX. XXXX has knowingly and willingly refused to provide any proof of the debt they claim owed as well as all request to remove these erroneous fees. Most importantly the erroneous information has seriously impacted my employment, credit score as well undue time, energy and XXXX as a result of this situation. After a letter from my attorney, calls from me, letters and multiple attempts to resolve this issue XXXX continues to ignore and cause further damage to my reputation, career and financial life.