davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (NC)

Had a emergency hospital visit XX/XX/2022. I WAS covered by insurance. The hospital did not charge the insurance agency and instead charged me directly. I had no idea about this debt until it appeared on my credit report. The company A R Resources NEVER contacted me notifying me of the debt. They also reported the date of first Delinquency is the day I was RECEIVING TREATMENT inside the hospital not 30 days late. This collection in itself is fraudulent. Please remove this. Seeking possible litigation if not resolved. Equifax has yet to look into this erroneous information which is a defemation of my character.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I was accepted into a forbearance plan on XX/XX/2020 due to the COVID19 crisis. After 30 days I was able to pay in full for XXXX and was current. XXXX XXXX  XXXX a service provider for XXXX XXXX XXXX incorrectly posted that I was 36 days late for XXXX payment even though they stated on a signed document stating they would not report a late status while in forbearance. I had a XXXX credit score going into forbearance had never missing a payment in my life, and yet after an approved agreement stating they wouldn't submit derogatory information, they still destroyed my credit.
Consumer complaint received 2017-07-07
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

In XXXX 2017, I wrote to all 3 credit bureaus asking them to update the status of my mortgage account with Wells Fargo. The house has been sold but it still reports as open and past due. It has not been updated since XXXX 2017 but there are " unpaid '' remarks for each month past that. I reached to WellsFargo I got no response.
Consumer complaint received 2019-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (UT)

I submitted my repayment certification ( income based ) last spring when XXXX sent me the information through email. I submitted my tax information the same as I have done for a few years. Then in XXXX of last year, I got a letter stating that I never completed my recertification and that I now owed monthly payments over {$850.00} a month. I immediately called to talk to customer service to rectify the issue and was told they never received the recertification. I went back through emails and found all the information that I had sent and told them I would send it all again immediately, stating I had NO idea if they don't receive it because I had no confirmation, even though my email showed it was sent and I mailed the tax info to the address provided. I also never receive anything other than the initial letter stating I need to recertify in XXXX, then an email that they received the online portion, and then the notice months later, XXXX, that it's not done. No other notice saying they never received the tax info. It has been the same process for years and I have never missed it. This time when I called back again they again told me there was nothing they could do and that they never received it. AND on top of that, they were now going to capitalize $ XXXX in interest. So now I am supposed to be paying interest on interest. I have XXXX children and I am self-employed, I will already be paying on these loans for the rest of my life with an interest rate that I can't get lowered to the standard of today and an additional $ XXXX that never should have been capitalized in the first place. I called several times over a few weeks and got a different story every time from a different customer service rep every time. I thought I was an anomaly until I started reading articles this winter that MANY people are being treated the same way. I didn't know there was even anywhere to make a complaint until this winter, which is why I am making it now and not last summer when this all happened.
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

TransUnion has listed my credit score as XXXX out of XXXX. It is listed as " Fair '' credit out of the following categories : 1. Excellent 2. Very Good 3. Good 4. Fair 5. Poor I have 0 late payment history. I have 0 % credit utilization of existing credit line, which means I am not in debt with my credit card company. I had 100 % utilization, but my score was not changed significantly from 100 % to 0 % and in fact increased. So that was not the issue. I have only 1 hard inquiry.

The only category they rate me low in is with the number of accounts. This category is listed as having a " Low Impact '' on my score. Since the possible high score is XXXX and mine is XXXX, that is not a " Low Impact '' score, that is a very HIGH IMPACT. They can't explain it. They transferred me to three supervisors, one of which claimed I had more than one credit card account. I told them I didn't and he disagreed with me. I pushed the issue and he finally admitted I only had one and the other one was an auto loan that is in good standing. So they are not clear on their procedures and looking at data when they accused me of having more than one credit card. 

They also told me that they can not investigate. They have told me they can't give out information regarding the criteria affecting my score. Later a supervisor became frustrated and made up an answer as to why, but could not confirm it. They are giving me the run around. More than one rep has said they don't know exactly why, they only have assumptions. Guessing is not appropriate. It is illegal for the credit bureau to report information they can not verify, to merchants issuing credit. I need help.
Consumer complaint received 2018-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northland Group Inc (OR)

I OWE NO MONEY TO ANYONE!!!!! I'VE PUT IN COMPLAINTS BEFORE BUT THEY KEEP CALLING!!!!! STOP STOP STOP OR I'M GOING TO SUE THE PANTS OFF THIS COMPANY, NORTHLAND!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! XXXX
Consumer complaint received 2017-10-06
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Pinnacle Credit Services, LLC (FL)

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : Original Creditor NameXXXX XXXX To Whom It May Concern : This is my 3rd and final  attempt to try to remedy this incorrect reporting on my credit report. I have reached out to your company and you have failed to respond back in a timely manner. also, you failed to provide an account number on this account. 
This letter is regarding account # XXXX XXXX, which you claim i owe you. 
This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (ME)

I have a Citibank credit card which had a credit limit of {$10000.00}. I have a balance of roughly {$2300.00} and only a 17 % credit usage. I went to pay my monthly bill and I noticed I only had {$60.00} available credit. Citibank lowered my credit limit enough to max me out 100 % /causing my credit score to severely be impacted. How is this legal? I have a 100 % rating for paying back my bills. I have never missed a payment so I think this is completely unjust and should be illegal. What if I was away or needed to put gas in my car or an emergency happened and I thought I had the funds to take care of the issue to come to find out I have no credit available? Furthermore, because they maxed out my credit limit, once the interest payment kicked in, that would have put me over the limit causing an over-the-limit fee and a hit on my credit report. This is financial institute abuse and it needs to be reported and dealt with immediately. Is there something that can be done to prevent them from doing this to myself and all others who act in good faith and are good clients? This has to be fixed and they need to be held accountable for causing me this much distress and hurting my credit reputation!
Consumer complaint received 2015-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I paid my collection to XXXX XXXX for the amount of {$180.00} and they told that already udpdate my credit to all the credit bureaus XXXX, XXXX, TUC but all XXXX agencies they still show in collection not paid.
Consumer complaint received 2017-10-06
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. (MD)

I am having issues with Equifax. They are not reinvestigating information that needs to be deleted due to age. Their online system does not allow me to dispute, their telephone system does not allow me to dispute and they never respond to mail disputes. This is ridiculous. I have been trying since XX/XX/XXXX to get 2 items removed that are past the 7 year reporting period. Equifax needs to be put out of business because they obviously can not accurately report items. 

I need the following 2 accounts deleted due to being reported past the statutory reporting period. 

XXXX XXXX XXXX # XXXX this is over 7 years old. The Date of First Delinquency is listed as XX/XX/XXXX but it really was XX/XX/XXXX. This should be DELETED due to age. 

XXXX XXXX XXXX XXXX # XXXX this is over 7 years old. The Date of First Delinquency is listed as 01/2011 but it really was XX/XX/XXXX. This should be DELETED due to age. 

My most recent confirmation # is XXXX
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have XXXX hard inquiries, most I dont even know about. I called and Transunion didnt help me, so Im looking to you. Its really affecting my credit. I still have inquiries from XXXX which doesnt make any sense, please help. 
Hard inquiries : 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 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (NY)

On XX/XX/XXXX, I stayed at XXXX XXXX in XXXXXXXX XXXX - the room was {$330.00} and then {$100.00} deposit. I checked out on XX/XX/XXXX, no damages - hotel was {$330.00} total. I reached out to Cash App on XX/XX/XXXX as to why my account still was pending. They told me that if I provided them with a receipt that shows that my account was {$0.00} that they could release the funds. I sent them that, now it is now XX/XX/XXXX and my money has still not been released. I have emailed, texted, called, and they have no said they have 31 days to release my funds but I was never told this. I need help getting my {$100.00} back, I dont have the extra money to waste/lose. HELP!
Consumer complaint received 2018-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (MD)

Misapplied mortgage payments ( erroneous payment processing ) and improper credit reporting. My payment is showing over 6 months overdue and Suntrust has reported this information to the credit bureaus. 

Suntrust is the 2nd mortgage on my home. Suntrust sold/transferred the first to another processor years ago. In XXXX, Suntrust placed insurance on my home since they no longer maintained this information. Once lender-placed insurance was forced upon my account ( XX/XX/XXXX ), my monthly payments were no longer being applied to the mortgage. Money was put into a suspense account and my escrow showed a shortage in the amount of the insurance premium. 


On XX/XX/XXXX, I spoke with Insurance dept. where a young lady called XXXX, confirmed insurance has been in place. Within a week I received a " Lender placed insurance cancellation notice. '' On XX/XX/XXXX I opened a dispute with Suntrust 's Credit Bureau Dispute Dept ( Case number XXXX ) On XX/XX/XXXX, Suntrust sends a check of {$680.00} stating these funds were insufficient to bring my loan current and {$2400.00} is outstanding. Suntrust imposed fees and charges while showing 6 prior months of payments are unpaid. Eight payments totaling {$2500.00} of the 10 I've made since last XX/XX/XXXX remain unaccounted for. 

Finally, on XX/XX/XXXX I called and spoke with XXXX ( XXXX ). She asked if I was calling to make the {$2400.00} payment. I said XXXX no Im not calling to make a payment. She then argued with me about " watching my language '' and using profanity. Once I said I was now recording the call and she said she was hanging up. I asked for a Supervisor and she said none was available and she was hanging up. I then asked for XXXX XXXX and she disconnected the call. Suntrust is not doing their job nor making any legitimate attempt to resolve this. My credit has been negatively impacted and my level of frustration and annoyance with Suntrust is beyond exhaustive limits.
Consumer complaint received 2018-03-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (AZ)

I received a bill from a third party collector, XXXX XXXX XXXX for XXXX XXXX on XX/XX/18. I sent a letter of validation the same day and to date, they have not responded. I have disputed this as well with the credit bureau to request that it is removed.
Consumer complaint received 2017-10-06
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: Navient Solutions, LLC. (AL)

I have filed several disputes about my student loans. I recently did another dispute because I have n't received information from the last dispute back from XXXX. I have contacted the student loan companies about removing and not active old loans. I also inquired about why are they still updating as well. Some of the loans were XXXX in bankruptcy and the others transferred to XXXX. I spoke with someone XXXX/XXXX/XXXX about the loans, and she stated that she could n't removed the loans because they are no longer affecting my credit despite they are outdated. She also told me not to dispute the loans anymore because each time it will mess up my credit.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (AL)

I had a auto loan with flagship credit acceptance. I got the loan refinance through a different lender of XX/XX/2021. The lender sent a payment check to flagship credit acceptance to pay the account with them in full on XX/XX/2021. Flagship Credit decided to post my account as 30 days late on XX/XX/2021. This cost my credit report to lose several points and they reported false information. Instead the account should show paid in full and no late payments. I'm highly upset because I'm currently trying to fix my credit score rating and they are damaging it more.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) All of these accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on accounts with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2015-04-27
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY (MN)

I have been paying more than the minimum due on my American Express account every month, yet they still list me as missing payments in XXXX and XXXX. I have records of making at least the minimum due on my monthly statements for over a year straight. They just started reporting that I am late. I have disputed with XXXX and it comes back worse each time.
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I contacted Capital one card services on XX/XX/18 and they offered me a program that would lower my interest to 7.4 % and a monthly payment of {$160.00} to lower my balance of {$8100.00} to XXXX in XXXX years. I told them that I would have to think over terms and call back. The rep. XXXX said that I would have to reanswer some questions when I call back to be approved for the program if I decided to enroll. I call back some hours later and spoke to a number of representatives including an account escalation mgr. who said that I could not enroll in the program even though I was offered it earlier. 

I was frustrated already because I have called Capital one for several months explaining my financial hardship, and asking for different payment options or to change my due date to align with my pay to ensure that I don't fall further delinquent and assess more fees. Every time they would say there was no other options available which puzzled me because I have had the same circumstances but they were able to offer me on XX/XX/18 a special program to lower my balance. 

I think they are eluding consumers and doing a bait and switch tactic which is very cruel, inhumane and psychologically damaging to especially someone who is experiencing a financial hardship. 

I've had the card for seven years and had many credit line increases and paid on time, now the minute I'm experiencing difficulty they behave in such an unethical manner. It is unfair and discriminatory. 

I decided to close the card and requesting that they refund fees and interest on my card. I plan on paying it off sooner than later
Consumer complaint received 2018-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management (LA)

I started monitoring my credit using XXXX in XX/XX/XXXX. Upon checking my credit report, XXXX and XXXX   credit bureaus listed XXXX XXXX XXXX as collections. I have never had any dealing with this company. I did not sign any contracts with this company. I requested on several occasions that they validate the account in which they are attempting to collect the debt by certified mail. My last attempt was on XX/XX/XXXX. I also made several attempts writing to XXXX and XXXX by certified mail that this is not my debt. Both credit bureaus reported back validated. This is impossible because XXXX XXXX XXXX could not supply them with any validations. This company states that I owe them {$470.00} and they are demanding that I pay this amount. They are insisting that this is my debt. However, it is not. They refuse to remove this information from my credit report, as it is wrong. This is proven to be injurious to my credit standing.
Consumer complaint received 2015-08-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (AZ)

XXXX XXXX from Midland Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX called me at XXXX on my cell phone knowing I have told them NO TO CALL me I only want written contact. He told me he was calling to collect a debt. The debt he said was charged off XX/XX/XXXX. Today is XX/XX/XXXX. That makes this debt 7 years old. I have requested more than once copies of the original paperwork that I would have had to sign if I opened the account. I never got anything that proves this is my debt. Please stop this company, and I want to get money for all the time and trouble and my reputation, that they have inflicted on me, due to their deceptive business practices. They buy debt and never make sure the debt is really owed, therefore they are in violation of the fair credit reporting act, which was designed to protect people from this type of activity. Please end this company from trying to collect from me on other things too. Especially the bogus XXXX XXXX purchases they bought. This is turning into a free for all and they need to be stopped.