davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MN)

My original loan servicer XXXXXXXX XXXX sold my loan to Freedom Mortgage in XX/XX/XXXX. In XXXX my loan was approved for a forbearance program thru XXXX. I was able stop the forbearance and request a XXXX XXXX XXXX in XX/XX/XXXX. My trial payments started in XXXX. First 2 payments were made on time with XXXX and final with Freedom in XXXX. I was told then by Freedom that I would receive documents in the mail from Freedom in regards to my modification and to not make payments to the loan until that information was completed. It is now 5m later and I still have gotten no where with the modification. I call several times a month for updates and am always given a different answer. The first 2 months they stated there was a delay due to the number of modifications needed and accounts they had purchased. Then I was told they were working on items being sent out to me via fed ex. Last month I was told they had just received the approval documents from XXXX and that the underwriters should have information out to me shortly. Now today I called and being told they don't have a approval from XXXX and the underwriters are still waiting for that information. When asked to talk to a supervisor I was then put on hold for 20min and a rep came back to tell me that they don't have any documents in regards to a modification and a packet needs to be sent out to me and that I was not able to talk to anyone. A supervisor would call me back within 5 business days. All I want to do is get this loan cleaned up from the mess Covid made and start making my payments as needed. Every time I call it seems I'm constantly getting a different answer and things are going backwards with no end in site.
Consumer complaint received 2022-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On Saturday morning, XX/XX/XXXX I walked into a Bank of America branch and deposited {$1000.00} into an atm machine. While the transaction was processing, I received an error message saying that my transaction could not be processed at this time and to enter the amount that I deposited. I enter the amount that so deposited and then the atm displayed a message saying that the amount I input could not be verified and to call the claims center. I contacted the claims center and out in request and since the XXXX of XXXX Ive been fighting to retrieve the amount owed to me. Out of the {$1000.00} only {$300.00} posted to my account, {$700.00} has yet to be accounted for and when my claim was researched, Bank of America closed my claim out saying that no additional funds were found in the atm. I demanded today that they review security footage and re-open the account to re-investigate. This is absolutely outrageous that I have to fight for 2 weeks to receive money that was taken from me by an atm at their bank.
Consumer complaint received 2022-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates , LLc committing Identity theft. I am a Federally protected consumer. I never gave Portfolio Recovery Associates any permission to use my Identifying information to commit mail fraud by contacting me about an alleged debt. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I demand all illegal activity cease and desist. Portfolio Recovery Associates , LLc are in violation of 18 USC 1028A aggravated Identity theft. You are hereby notified Pursuant UCC 1-202f.
Consumer complaint received 2020-07-07
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 — Was not notified of investigation status or results
Company: DISCOVER BANK (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2020 I am not sure how this happened, I believe that I had set up automatic payments and did not opt-out to received my statements however for the past few months I haven't been receiving my statements so I am assuming that everything is fine since I have set up automatic payments for my account. My only thought is that due to this pandemic COVID-19 the world is experiencing right now I got caught up and wasn't able to double-check.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2020 I sent CapitalOne a settlement letter and check in the amount of {$810.00}. The settlement letter clearly stated that if they accept the payment, they agree to update my credit reports to show the account as settled for less than full with a {$0.00} balance owed. On XX/XX/2020 CapitalOne cashed the check and the check cleared my bank. As of XX/XX/2020 the tradeline section of my credit reports is still showing a balance owed on the account, and has not been updated to reflect the account as settled for less than full. CapitalOne has not honored the terms of the settlement they agreed to.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2021-08-06
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: Monterey Financial Services LLC (AZ)

XX/XX/2021. 
I was notified by the U.S. Office of Personnel Management that there was new potential adverse reporting on my three credit bureau files. Monterey Collection Services, LLC, opened a report of a collection on XX/XX/2021. They claim that I had an account with XXXX XXXX that hadn't been paid and recorded the following with each credit reporting agency. 

Date Opened XX/XX/2021 Responsibility Individual Account Account Type Open Account Loan Type Collection Agency/Attorney Balance {$270.00} Date Updated XX/XX/2021 High Balance {$210.00} Original CreditoXXXX XXXX XXXX  Past Due {$270.00} Pay Status In Collection On XX/XX/2021, I filed disputes with each of the agencies with requests for investigation. The account in collection status is not mine and I have never ordered or purchased a product from XXXX XXXX. I have filed fraud alert with all three credit reporting agencies, and have locked my credit files to prevent further access to them. 

The results of each investigation follows : XX/XX/2021. XXXX Credit Reporting cleared the collection account and deleted it from my report. 
XX/XX/2021. XXXX Credit Reporting Bureau cleared the collection account and deleted it from my report. 
XX/XX/2021. XXXX Credit Reporting Bureau upheld the collection account and stated they investigated and Monterey Collections provided them with verification. I re-opened the dispute because the verification of information had never been given to me, the consumer. 
XX/XX/2021. I sent a formal request for verification to Monterey Collection Services by Certified Mail, return receipt was requested. The letter formally requested written verification from the Collection Agency and the letter was copied to XXXX
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Someone took over my identity in XXXX and I received no notifications via phone or mail because that person changed my personal information. I sent proof to all 3 credit bureaus showing my birth certificate, bills, ID card and social security card. Equifax and XXXX are refusing to remove 64 inquiries. I do not have a drivers license yet someone applied for numerous car loans. Someone applied for student loans in Kentucky. The address showing is South Carolina. I have never lived anywhere but California. I go to school at XXXX XXXX XXXX in XXXX Ca and need one class to graduate. I have only had one job at XXXX in XXXX XXXX. My credit score was 740-760 and I am getting married in XXXX with wrecked credit. Two cards have closed my accounts. I am very upset and do not understand why these credit bureaus are refusing to correct information that is obviously wrong and I have proved that I live in California. I believe they do not care. My name is XXXX XXXX XXXX and I also use XXXX XXXX XXXX XXXX I have lived at XXXX XXXX XXXX, XXXX XXXX, Ca XXXX for over twenty years and I am XXXX. Please help me.
Consumer complaint received 2022-12-15
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: Bread Financial Holdings, Inc. (MO)

In accordance with the Fair Credit Reporting Act, my rights have been violated.

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as ate for any purpose.
Consumer complaint received 2022-07-04
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. (CA)

In accordance with the fair reporting credit act XXXX XXXX account number XXXX Has violated my rights. 15 U.S.C 1681 section 602 A -states I have the right to privacy 15 U.S.C 1681 604 A - section 2 also states I consumer reported AC Can not report an account without my Written instruction or consent to do so.
Consumer complaint received 2020-12-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

I submitted a dispute to all 3 credit bureaus ( XXXX, XXXX  and Equifax ) on XXXX. As of today I have not received any response from XXXX  or Equifax. 
Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a re-investigation within 30-45 days. XXXX  and Equifax have failed to respond in a timely manner to my requests and while I did receive a response from XXXX, they did not resolve all of my issues.
Consumer complaint received 2022-08-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (SC)

On XX/XX/2022 I received a letter from Paragon Revenue Group attempting to validate a debt they claim I owe. This letter included document of my medical records that I did not authorize for them to access. I did not sign any HIPPA form allowing this collection agency access to any of my medical records. This is a direct violation of HIPPA.
Consumer complaint received 2020-10-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

submit dispute about correcting name and current address on XX/XX/20 delivered by certified mail delivered on XX/XX/20. Received report back with deleted addresses, until this day addresses that are not deliverable to me by XXXX. are still on my profile. 

Sent a dispute letter on XX/XX/20 received certified mail on XX/XX/20 and still have not heard back from XXXX. And XX/XX/20. 

Experian, XXXX XXXX was sent the same information on XX/XX/20, XX/XX/20 as well. 

Addresses were still being put on my credit report that was not mine even after I told them I never stayed at the addresses. I was also unable to verify my identity on the phone due to the wrong information in my credit profile.
Consumer complaint received 2022-12-09
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: ENCORE CAPITAL GROUP INC. (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2020-12-02
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. (NY)

I sent a letter regarding inaccurate & unknown items on my credit report. To this day over 50 days I have not received any response, Ive spoke to reps at each company they said that they have received my letter. I feel like I'm being taken advantage of & ignored of my dispute. According to Section 611c states that a failure to investigate these item within 30 days gives reason to immediately remove theses items from my credit report. It has been over 50 days so the items that are being disputed should be deleted from my credit report. I intend on file a FTC ( Federal trade commission ) complaint. My data was also impacted by the XXXX data breach my info my have gotten in the wrong hands of the wrong person.
Consumer complaint received 2020-10-04
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have two complaints : when I first recieved this card I was able to have access to my account and routing numbers shortly after retrieving the numbers I misplaced them and can not find them. I called and asked for it again and coincidentally you dont give out that info. You advertised card can be used for direct deposit and we can't. Next the worst complaint is I tried using the card at a casino and couldn't so I called and was mistakenly told we can't use them there, although I have used it at casino shortly there after. Bottom line is you are putting your own restrictions and taking advantage of the situation. Also the account number is ours and legally have the right to have access to it. Please inform me differently
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (NC)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A XXXX XXXX ) XXXX Balance : {$260.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2021-08-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 OF 609 LETTER regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2022-07-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

On XXXX I issued a Letter of DIspute to XXXX, Experian, and XXXX via the C.F.P.B, outlining issues of incorrect information they were reporting about me. As per the Fair Credit Reporting Act and the F.T.C, XXXX had 15-30 days in order to respond to my Letter of Dispute, failing to do so required the to delete ALL erroneous items which I had disputed to them. XXXX did not respond to my Letter of Dispute untill XXXX, therefore failing to respond in the time frame allotted to them by Fair Credit Reporting Act and the F.T.C. It is without a doubt that XXXX, Experian, and XXXX are certain of these laws which they must abide by, however this case is a prime example of XXXX 's clear and blatant disregard of the Laws set forth in the Fair Credit Reporting Act and the F.T.C, and proves how they actively work to undermine the Laws and Regulations set forth upon them by their Superior 's. I will attempt to yet again contact XXXX, Experian, and XXXX via the C.F.P.B in hopes of having this matter resolved the way the Law writes that it should, however if i find that this does not solve the issue which i have i spelled out in our prior correspondence, then i will have no choice but to obtain Legal Counsel and seek damages for this continued injustice. It is my hopes that XXXX will not force me to tie up unnecessary time and resources of our Courts in order to have this wrong righted. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-10-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (WI)

I leased a Hyundai XXXX and turned it in early because I had a new baby and the vehicle has very limited cargo space. I turned it into a local dealer for a larger vehicle in early XX/XX/2021. Hyundai Motor Finance serviced this lease and I was enrolled in XXXX. On XX/XX/2021, Hyundai Motor Finance took a lease payment out of my account for {$390.00}, although I had already turned in my former car nearly XXXX weeks prior. I called them and they indicated they hadn't received the buy out information from the dealer, but I would get a refund within a month or so. I never received this, so called them back. This began a huge runaround with them for the last 4 months in which there is never any movement on my refund. They indicate that nobody from payments can call or email me and can not give me any timeline for my refund. I have to continuously call them for any updates, but nothing ever changes. They acknowledge they owe me the money, but I am left waiting for months. I really do not know what to do, there is no accountability and nobody will contact me with any updates.
Consumer complaint received 2022-07-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XXXX I issued a Letter of DIspute to XXXX, XXXX, and Transunion via the C.F.P.B, outlining issues of incorrect information they were reporting about me. As per the Fair Credit Reporting Act and the F.T.C, XXXX had 15-30 days in order to respond to my Letter of Dispute, failing to do so required the to delete ALL erroneous items which I had disputed to them. XXXX did not respond to my Letter of Dispute untill XXXX, therefore failing to respond in the time frame allotted to them by Fair Credit Reporting Act and the F.T.C. It is without a doubt that XXXX, XXXX, and Transunion are certain of these laws which they must abide by, however this case is a prime example of XXXX 's clear and blatant disregard of the Laws set forth in the Fair Credit Reporting Act and the F.T.C, and proves how they actively work to undermine the Laws and Regulations set forth upon them by their Superior 's. I will attempt to yet again contact XXXX, XXXX, and Transunion via the C.F.P.B in hopes of having this matter resolved the way the Law writes that it should, however if i find that this does not solve the issue which i have i spelled out in our prior correspondence, then i will have no choice but to obtain Legal Counsel and seek damages for this continued injustice. It is my hopes that XXXX will not force me to tie up unnecessary time and resources of our Courts in order to have this wrong righted. Sincerely, XXXX XXXX XXXX