davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I've come across an issue in my consumer report regarding my credit account with XXXX XXXX XXXX XXXX ( Account Number : XXXX ). An unexpected 30-day late payment entry has surfaced, necessitating immediate attention.

I kindly ask for a thorough investigation into this matter, along with the provision of documented evidence, such as statements, validating the legitimacy of the reported 30-day late payment. I'm eager to understand the basis for this entry and trust your agency can provide clarification.

If, upon investigation, the accuracy of the 30-day late payment entry can not be verified, I insist on a swift update of the record to accurately reflect the status as paid on time. My consistent payment history underscores my commitment to financial responsibility, making this sudden deviation perplexing.

Your prompt attention and cooperation in efficiently resolving this matter are sincerely appreciated. The credibility of credit information depends on accurate reporting, and I am confident that your agency will address this with the necessary diligence.
Consumer complaint received 2020-04-30
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. (NV)

For all three credit bureaus ( XXXX, XXXX, Transunion ), my account balance for a XXXX XXXX XXXXXXXX XXXX closed account has failed to be updated to {$0.00} ( XXXX XXXX XXXX, REPORTED BALANCE {$720.00} ). The balance was paid in full in XX/XX/XXXX and I even received a letter from XXXX XXXX   XXXX XXXX dated XX/XX/XXXX advising that I don't have a balance and that my credit reports will be updated to show my {$0.00} balance. A telephone call with a representative from XXXX XXXX months ago suggested they had already reported my {$0.00} balance back in XX/XX/XXXX, yet my credit report from each credit bureau has yet to be updated. Furthermore, I've disputed the account balance multiple times with no success.
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I went to the ATM at XXXX XXXX XXXX. XX/XX/XXXX to cash a check my friend gave me to pay my rent. The ATM captured my card and never gave it back. I called Bank Of America to inform them of this XX/XX/2018 and a Representative sent me a new card but the same information from my old card. I didnt think much of it but today I went to a different ATM to deposit XXXX dollars and the ATM at XXXX XXXX XXXX captured my new card again. I immediately called Bank of America to try to get a explaination. I got transferred twice before i got a Representative. First i spoke with XXXX from the claims department who issued me out a new card and launched an report then he transferred me to his supervisor who name is also XXXX. XXXX, the supervisor informed me that there was flag on my account from fraud because a merchant was compromised so they flagged my card. He had to transfer me to the fraud department.XXXX  from the fraud department informed me that was not the reason my card was cancelled. She told me she dont know. So in three weeks my card was caputured twice at two different locations and no one seems to know the answer. I could not put money in the bank to cover my fees so my account remained in overdraft. The actual bank time conflicted with my work schedule so i couldnt go in to have this issue resolved. This has been very frustrating.
Consumer complaint received 2022-09-12
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. (FL)

I asked the credit report to correct inaccuracies an they didn't! 

In accordance with the FAIR CREDIT REPORTING ACT : TransUnion is showing ACC. # XXXX from XXXX FEDERAL TransUnion is showing ACC. # XXXX from XXXX FEDERAL TransUnion is XXXX ACC. # XXXX from XXXX TransUnion is showing ACC. # XXXX XXXX XXXX XXXX XXXX is showing ACC. # XXXX XXXX XXXX FEDERAL XXXX is showing ACC. # XXXX from XXXX XXXX XXXX is showing ACC. # XXXX from XXXX XXXX XXXX XXXX showing ACC. # XXXX from XXXX ALL HAS VIOLATED MY RIGHTS 15 USC 1681 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Profit Services Group (CO)

I was contacted by this company stating that I owed for SIX different accounts at the same medical facility for ONE visit. These accounts were paid as well as being indigent at the time and filing as so at the hospital. They have repeatedly contacted me in a completely unprofessional manner. I have reported them to the XXXX XXXX XXXX to which was responded by more unprofessionalism telling me that if I learned to pay my bills I wouldnt be in this " situation. '' I had a life saving surgery and any medical bills that I had afterwards were completely paid in a timely fashion so I am unsure where they get off with being extremely rude. The lady that repeatedly calls me initially wouldnt even tell me her name or where she was calling from or how she had my information. When told about the charges, there were two for the EXACT same amount. I also noticed that they were charging me more than the debt they claimed that I had in the sum of around {$1000.00} extra! 
At one point I went along with them and offered to pay the accounts just because I didnt want to be harrassed of have these accounts on my credit. ( the only ones I have! ) I was repeatedly called after setting a payment arrangment up asking me to pay more. After make a couple payments I decided that I was not going to continue to work with this company as they were very rude, pushy, and tried to make me feel inferior to them. This is not a debt that I should have to pay for since it is not my debt!
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2023-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I have a loan with CMC. SLS is the servicing company. I can't communicate with them because they use archaic practices of verifying information that put my identity at risk. SLS has stopped sending paper statements. I want to continue to receive paper statements as their online system is absolutely terrible. They don't even provide an option to opt in for the paper statements. What the company should have done is give people the option to opt out of paper statements, but SLS/CMC never does the right thing by the customer.
Consumer complaint received 2020-04-30
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: EQUIFAX, INC. (PA)

I have an account on my file from the XXXX XXXX XXXX. ( Account number XXXX ) I disputed this account for being outside of the 7 year federal obsolescence period for remaining on the file. The bureaus removed it. 

One month later the account came back on my file. XXXX XXXX changed the data on the account to put it back into the obsolescence period ... but didn't count on the fact that I have copied the way the account looked on the bureaus before and after it was removed. 

I have attached two copies of how this account appeared on my file. In XXXX, you can clearly see that the last payment ( the date used to determine the obsolescence time period ) shows as XXXX of XXXX. Since the credit bureau industry uses 6 years and 9 months instead of 7 years ( to assure they remain in compliance ), it was properly removed. 

But XXXX XXXX then CHANGED the data on the account. They removed the last payment date entirely and then deleted all historical payment date prior to XXXX. Thus giving a new obsolescence date. 

Now the FCRA provides two levels of non-compliance. 1 ) Negligent Non-Compliance where someone just makes a mistake. 2 ) Willful Non-Compliance where someone manipulates data to trick the system. The second non-compliance holds that a consumer make seek damages. 

It is clear that the XXXX XXXX XXXX is manipulating data to put items BACK on consumers files in violation of federal law. This should be a class action lawsuit as I am sure this is happening to any of their customers whose collections are removed for obsolescence reasons.
Consumer complaint received 2018-06-19
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. (IL)

XXXX XXXX XXXX XXXX account # XXXX was removed from XXXX report XX/XX/2018 unverified/inaccurate account XXXX & Experian please remove & delete false account immediately
Consumer complaint received 2020-04-30
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: Creditor's Collection Service, Inc. (NC)

I contacted XXXX on XX/XX/XXXX to dispute negative report made by CREDITORS COLLECTION. The closed the dispute and said it was verified. 

I contacted Creditors Collection on XX/XX/XXXX to get an itemized statement of the charges they were reporting. They informed me they did not have a statement. They received the information from a company called XXXX XXXX and I would need to contact them to get the statement. Creditors Collection received the debt information from XXXX XXXX. 

I contacted XXXX XXXX and they said they did not have an itemized statement and directed me back to Creditors Collection. How did XXXX XXXX turn over a debt that they did not have information proving the amount was correct. 

I contacted the original creditor, XXXX XXXX XXXX and they stated they did not have an itemized statement because the debt had been turned over to collections. 

How did XXXX verify a debt without any basis of the amount owed other than a collection agency saying it was valid?
Consumer complaint received 2018-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 Days Late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2016-06-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Diversified Consultants, Inc. (IL)

Collector XXXX called for a debt- he did give the mini miranda. However, I did not get a letter giving me the opportunity to dispute the account. He said my account was placed with them on XXXX/XXXX/16 I said I spoke with the original creditor a few days ago and worked out an agreement. He still demanded payment. I asked him to consult the original creditor XXXX XXXX work and he refused stating it is my job to provide documentation of conversation. I told him contact them and get me the initial dunning letter and he said no- I stated I was in the process of filing a complaint then and he transferred me to a supervisor XXXX XXXX . He stated they actually got the account on the XXXX and the letter was today and it is XXXX in the morning which means there is no way it is in the mail at this time regardless of time zone.
Consumer complaint received 2020-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

On XX/XX/XXXX XXXX took a double payment from my account. I emailed them about it XX/XX/XXXX and was ignored. I was forced to call today XX/XX/XXXX and had to wait on hold. The person on the line was able to put in a request but it will take several days
Consumer complaint received 2020-07-16
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: HCFS Healthcare Financial Services of TeamHealth (FL)

I went to the emergency at XXXX hospital for XXXX XXXX XXXX XXXX at the time, even through I got insurance and The doctor even touch me, it just let 's me know you can go to see your primary doctor. I thought I was receive two or three bills from them and after I usually receive a lot call by different phone number who tries to make my life miserable until when I go to credit XXXX this week I saw two different bill but there is one I know {$370.00} and the other one {$120.00} I do not have too idea about it. I got a credit card from XXXX   XXXX it was closed, when I receive a letter by XXXX  XXXX XXXX said I have too much inactivity on this account, current or past delinquency, derogatory public record ( s ) and /or collection account ( s ) Utilization of your credit is too high an make my credit score very low like XXXX. I thought this is injustice and prejudice not because you are receive the letter from the hospital you have to do that because for XXXX dollars to make me lost everything. This is an act criminal at this pandemic virus that the time you chose to do that to me. 
Not only you make me on crisis with my family that mean you are closing all the opportunity I have and you close all the door for me.
Consumer complaint received 2018-06-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (NC)

I fell behind on HOA payments for several months. I made multiple due diligence payments towards the past due balance. My account was sent to a 3rd party collection agency ( attorney 's office ) without notification in XX/XX/2016. The bulk of balance due ( XXXX ) was late/legal fees. I never heard from the HOA company or the 3rd party collection agency or had an opportunity to dispute the fees. Once I realized the account was sent to a 3rd party collection agency, I made payment for the full balance due, directly to the 3rd party agency. Although the debt was paid in full on XX/XX/XXXX, the past due balance has not been removed from my account and it still remains in " legal '' status. Additionally ... .late fees continue to be accrued.
Consumer complaint received 2020-07-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

Have spent more than a month trying to reverse a transaction with PayPal for the sums of XXXX. The initial transaction was completed on XX/XX/XXXX. Subsequently, the funds have been held is suspension by PayPal for the entire time, and neither the payor nor the payee has access to them. PayPal refuses to either reverse the transaction or release the funds, leaving them stuck in purgatory while, presumably, PayPal leverages the captive funds to earn incremental income on the float. Multiple attempts to reverse the transaction have occurs from both the payor and payee have been attempted, and the responses from PayPal have demonstrated a consistent unwillingness to understand the issue, or work constructively with either party to resolve the issue.
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Credit Corporation (CO)

I tried rectifying the issue with Avant, but to avail. I asked Avent to put a payment at the end of the loan and was promised it would be done. It did not. There were no notes and they said they had an audio that never herd me ask to place the payment at the end. I do not trust them because the same issue almost happened to me again. I made arrangements XX/XX/XXXX and the XXXX to have payments taken out of my account. I was told no arrangement were listed they also tried to say nopayment was taken out of my account XX/XX/XXXX when in fact a payment was taken out but the XXXX payment was listed. I do not trust this company and they need to be on buyers beware list
Consumer complaint received 2017-07-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (AZ)

CFPB COMPLAINT XXXX XXXX XXXX XX/XX/XXXX This is regarding my residential Mortgage Management company for XXXX XXXX XXXX XXXX XXXX AZ XXXX. This loan was originated in XX/XX/XXXX by GMAC and transferred to them ( Ocwen Loan Servicing LLC ) a non bank mortgage servicer in XX/XX/XXXX Ocwen Loan Servicing LLC consistently refused to talk to me about lowering finance rate of 7 % FOR 9 YEARS.. They have a history of charging improper tax fees ; mishandling client mortgage payments and collections foreclosures. I was left out of XX/XX/XXXX major lawsuit, allowing customers to fix these problems due to lack of proper settlement notice. I now have 10 years of widespread errors, shortcuts, and runarounds. I urgently need to get my over charged interest rate lowered from 7 % to 4 % and I wish to have at least {$20000.00} of the {$62000.00} interest over paid, converted to the remaining principal of {$56000.00} as my settlement. This would be fair since I was left out in XXXX and reduce would my loan to {$36000.00} on an aging XXXX Double wide trailer home in a rural XXXX XXXX Arizona community near XXXX. Ocwen Loan Servicing LLC is currently under for investigation for THESE same types of problems addressed by the XX/XX/XXXX LEGAL SETTLEMENT, in a current XX/XX/XXXX lawsuit. I am a XXXX senior citizen on a fixed income, left out of this XXXX LEGAL SETTLEMENT. It is imperative that I receive CFPB DIRECT assistance in helping me deal with this. This is not a mortgage company. Ocwen Loan Servicing LLC is only a collections company, damaging good loans paid on time like mine. My XXXX XXXX XXXX loan was originated in a XXXX real estate bubble with GMAC acting as a Low Interest Loan rural provider. My Residential Home loan was transferred to OCWEN LOAN SERVICING LLC, without my consent or approval. OCWEN LOAN SERVICING. LLC, has recently contacted me urging me to refinance my loan with a Texas Mortgage company, the typical pre-foreclosure maneuver, obviously trying to get me off their books. Their failing Management Software operating under a separate Company, XXXX XXXX XXXX, will scramble my payment history of on time monthly payment like many others and may ruin my credit I have asked them for assistance in lowering my HIGH 7 % interest rate but I am very fearful of their practices, as documented fact in the XX/XX/XXXXSettlement. When a person with a Residential Loan asks for OCWEN help, OCWEN/XXXX  were found guilty of Data Base records losses and sudden swift foreclosing on many Residential home loans. Summary : The companies that I speak of are OCWEN LOAN SERVICING. LLC -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. -XXXX XXXX XXXX ( XXXX ), Delaware based Ocwen LLC Forclosure manager -OMS Ocwen Mortgage Services Business Location : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX USVI Established
Consumer complaint received 2018-06-19
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

This company handles Perkins Loans for XXXX University. I have not been a student for over 4 years and I had all my student loans forgiven through XXXX XXXX XXXX XXXX XXXX back in XX/XX/XXXX. In XX/XX/XXXX, I reached out to XXXX and gave them all the information regarding the XXXX approval and had a conference call with XXXX, XXXX and myself to have this taken care of then. Then, in XX/XX/XXXX of this year, I see that this loan was reported on my credit report in XX/XX/XXXX of this year. I called XXXX University and found out that XXXX is in charge of the Perkins Loans. After confirming with XXXX and XXXX that this reporting on my credit report was from a XXXX XXXX that was to be forgiven by XXXX over 2 years ago, I was asked by UAS to send over the approval letter again to show that I was approved. I sent them this documentation, along with the original email with them in XX/XX/XXXX. I was told by XXXX that this should have never been reported on my credit report and they would request that it be removed immediately on XX/XX/XXXX. After several emails and talking with experian, as of today, XX/XX/XXXX, this has still not been removed from my credit report. According to XXXX, every time I dispute this, they correct information instead of just accepting the dispute. I have several emails from XXXX saying that this account is handled by XXXX   and from XXXX  saying that this should have never been reported to the credit agencies.
Consumer complaint received 2020-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (NC)

On XX/XX/XXXX I received a promotional email from American Express Serve ( American Express XXXX XXXX  " XXXX  '' ) stating if one cashes their stimulus check through Indigo ( XXXX XXXX XXXX  ) the promotional code " Stimulus10 '' will get you a bonus of 10 . 

I cashed 2 Federal checks over XXXX ( one as a stimulus ) and the funds were not added as the promotion stated. 

On the promo expiration date I called customer service for Serve and spoke to XXXX XXXX off shore in the XXXX who stated there was no promotion on this date. 

We spoke about XXXX XXXX  EST.