davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I've written your company several times all sent out via mail. I haven't heard any word so I have no choice but to submit my complaint here about my credit report. There are false or misleading representations. There are several accounts were the payment history is not consistent and should be correct. On Experian and XXXX  it reporting different information. 
The following accounts I have did my due deligence and actually carefully reviewed my report. I feel like you guys are stalling and not properly investigating
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According XXXX XXXX Code XXXX - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. XXXX XXXX XXXX XXXX - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2022-12-19
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: EQUIFAX, INC. (LA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$82000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$210.00} XXXX XXXXXXXX Balance : {$140.00} XXXX  XX/XX/2021
Consumer complaint received 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

For the past 2 months, I have been writing letters to all 3 bureaus XXXX, XXXX and Transunion including the creditors and to no avail they have not followed the FCRA consumer laws and have been sending me generic stall letters when I asked for them to send me a contractual agreement bearing my signature, they have failed to do so and did not update my credit profile or remove the item in the 30 day timeframe they have to complete their investigation. There are items on my credit report that is duplicated, unverifiable, outdated and inaccurate and they have not attempted to do or remove anything. I am filing a complaint because this is my last attempt to get them to abide by the rules of the Fair Credit Reporting Act before, I take my complaint further as I have already been in contact with FCRA attorneys.
Consumer complaint received 2021-03-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (VA)

Hi - Opened a TDbank checking and savings account in XX/XX/2020 using a referral link that advertised {$300.00} and {$200.00} bonuses for meeting direct deposit and saving thresholds. Met terms of the account and bonuses were not paid. TDbank stated that referral link was targeted and thus they would not pay bonuses. I received no message when opening my account that I was not eligible. In fact, I received email receipt that my accounts were opened successfully. I would have no issue if I was told that I wasn't targeted, but I left my funds in their account for almost 6 months. When contacted, it took over a month to get a response from the company that says they offer " legendary '' customer service. I am not optimistic that this will end successfully, but I hope that enough customers file complaints so that TDbank changes the way they honor their promotions.
Consumer complaint received 2022-07-17
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)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account Without my written instructions.

To many credit inquires from unknown sources.
Consumer complaint received 2023-12-13
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CREDIT ACCEPTANCE CORPORATION (CA)

I have a company by the name of Credit Accepteince reporting on my credit report. They calls my phone before XXXX which is affecting my life. I have disputed the account multiple times and also pointed out multiple violations on my credit report from this company and every time I dispute the account it will come back as verified which is odd because the company keeps changing the amount owed, on one of my reports they posted the alleged last payment was XX/XX/XXXXXXXX  then on another one they posted last payments was in XXXX  and one payment in XX/XX/XXXXXXXX  which is impossible because it wasn't me because that was the month I was disputing the account and have a paper trail to prove it. I reached out to the company trying to see what the charges was and told them I don't owe them money then they say XXXX. They said it's for a car that they had but did not want the car because it was not of value to them so they are reporting the account as an open account on my credit reports for a car I dont have. They also were reporting that I allegedly owed XXXX then keep changing the amount every month they changed the amount all the way up to XXXX in XX/XX/XXXXXXXX  then the next month in XX/XX/XXXXXXXX  it went down to XXXX without any payment, now how is that possible that someone owe close to XXXX then the next month it go down with out a payment. And why are they not reporting the same information on all my reports if it was a real legal account I feel highly threatened by this company and is now working with a lawyer to go forward because the XXXX, XXXX and XXXX is not helping even after I pointed out the violations I have no knowledge of these charges on my report and dont like the harrasment.. I have screen shoots and copies of all communication and copies of all my credit reports that shows proof of each violation. I just found out this company has been sued in California and New york and I believe I'm apart of that
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I am writing to formally express my concern regarding the unresolved inaccuracies in my credit report. Despite multiple attempts to dispute the erroneous accounts, I have not received a satisfactory resolution or corrective action. These inaccuracies are negatively impacting my credit file and causing significant financial hardship. 

I kindly request that you conduct a thorough investigation into the reporting of the disputed accounts and take the necessary steps to correct and update my credit report. It is essential that these errors are rectified promptly to prevent further harm to my financial well-being. 

I urge you to address this matter with the utmost urgency and provide me with confirmation of the corrective actions taken. Your prompt attention and assistance in resolving this issue would be greatly appreciated. 

Thank you for your understanding and support.
Consumer complaint received 2022-09-03
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: 21ST MORTGAGE CORP. (AL)

On XX/XX/XXXX at XXXX AM in my divorce decree it was ruled that I gave the home to my ex-husband and was no longer financial responsible for the home. 
XXXX CIRCUIT COURT OF XXXX XXXX, ALABAMA XXXX XXXX  XXXX, CLERK Since, I have contacted 21st Mortgage Corporation to have my name removed from the mortgage. On XX/XX/XXXX they received a certified letter from me requesting name removal from the mortgage ( Tracking Number : XXXX ). After numerous of attempts to remove my name before, on XX/XX/XXXX XXXX Judge : XXXX XXXX, XXXX XXXX the court the request of the parties, Plaintiff, 21st Mortgage Corporation XXXX and XXXX, XXXX XXXX XXXX XXXX it is hereby, ORDERED, ADJUDGED and DECREED as follows : Count One of the Complaint of 21st Mortgage Corporation ( `` Plaintiff '' ) is hereby dismissed without prejudice as to Defendant XXXX XXXX. 
XXXX XXXX XXXX is hereby rendered in favor of Plaintiff. Count Two of Plaintiff 's Complaint for the immediate possession of one ( 1 ) XXXX ( " Manufactured Home '' ). 
After the ruling, the home was surrendered. However the company has not attempted to get the home. Their failed attempt to retrieve the home after the ruling 1 year and 7 months ago, is affecting my life. My credit score has dropped dramatically. I have tried communicating but I have not received a response. The account is still reporting to the credit bureaus as open and reporting negatively on my credit report. As stated before, I am not financially responsible for the home. My ex-husband has ownership of the home and in judgement is fully financially responsible for all obligations with the mortgage.
Consumer complaint received 2020-11-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NJ LENDERS CORP (NJ)

I have requested NJ LENDERS to forward a receipt of payment for the XXXX refinance of my XXXX original purchase XXXX XXXX XXXX XXXX mortgage and NJ LENDERS has not produced anything at all that shows the amount that was paid to XXXX for the refinance. Records show the mortgage was not satisfied and not discharged. XXXX achieves was searched and no records were produced. Take a look at the attachment " SAID MORTGAGE '' I received the page titled Corporate Assignment of Mortgage from NJ LENDERS as part of their response. Please explain how I can sell a fictitious property address that also has fraudulent title insurance. The subject premise is XXXX XXXX XXXX XXXX, XXXX. The records appear to be designed to confuse those who read the documents. NJ LENDERS HAS BEEN REQUESTED MANY TIMES TO PRODUCE RECEIPT OF PAYMENT PAID TO XXXX AND HAS NOT PRODUCED A THING TO SHOW A DOLLAR AMOUNT PAID TO HCSB FOR THE XXXX REFINANCE OR THE SATISFACTION AND DISCHARGE OF MORTGAGE. TAKE A LOOK AT THE ATTACHMENT " SAID MORTGAGE '' IT NOT CONFUSING AT ALL WHAT IS GOING ON HERE. How do I sell my house when the mortgage is NOT for my address and the survey and the title insurance DO NOT even come close to the deed location? There are far too many discrepancies to believe that they are mistakes. PLEASE PRODUCE PROOF OF PAYMENT TO XXXX. I AM NOT ASKING FOR A PILE OF UNREQUESTED PARER WORK I REQUESTING PROOF OF PAYING OFF MY ORIGINAL XXXX MORTGAGE. HOW DO YOU EXPECT ME TO SELL THE HOUSE. ON TOP OF THAT SOMEONE FORECLOSED WHILE THE HOUSE WAS IN CHAPTER XXXX BANKRUPTCY PROTECTION. WHO HAS ALLOWED NJ LENDERS TO CONTINUE TO CONDUCT BUSINESS LIKE THIS?
Consumer complaint received 2023-02-27
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (GA)

I just called about the fact that Homebridge keeps messing up my forbearance. I asked for one in XXXX and still had to pay my XXXX house note because I didn't see where it had taken effect online. It took over a month to get my money back. They said I have one month of forbearance on file. I just called this week to start a forbearance again and was told I would get five months. Then I kept getting calls from Homebridge telling me to call in. I call in and the rep tells me that my forbearance ends XXXX and that I have had one from XXXX to XXXX, which is inaccurate. I did not have a forbearance. I did not apply for forbearance until this week. I paid my house note every month from XXXX through XXXX. Please HELP! I have asked for a supervisor to clear this up and am getting that this has to go through loss mitigation. LOSS MITIGATION!!!! There is no loss as I haven't had forbearance a single time yet. They keep messing it up. Is this a scam? I am filing with XXXX and getting legal assistance if necessary. I would like for them to correct this asap.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NH)

Good morning, ai hope this email finds you well. I am hoping you could help me. I have been very ill and could not pay back all my credit cards with large interest rates so I called my creditors around XX/XX/XXXX to find out if there were programs available. Comenity Bank assured me that my credit cards through them could be switched to a reduced interest amount that I would pay evenly over 5 years and then we would part ways. The individual offered to place my XXXX XXXX XXXX XXXX  also under this program so I thanked him. They supposedly placed me in the program and set up a schedule of payments starting XX/XX/XXXX for the amount of {$14.00}. The representative set the payments up for the XXXX of every month and when I questioned if it was OK that it was after the XXXX of every month due date he said yes because I was setting up all my comenity store credit cards. Around three months of these payments went through when my credit report said I was 90 days past due on the account. I called Comemity back and pointed out this mistake. They apologized and said the gentleman that took my call at Comenity ( in the assistance dpt ) didn't finish placing me in their assistance program and that he did it " wrong '' and that representative was going to fix it. The amount went to {$15.00} even a month. The false reporting kept happening. I contacted XXXX 4 times to say Comenity are ruining my credit report falsely and that I never missed a payment. I showed them proof that I had been set up in a payment arraignment and showed proof I never missed a payment ; I showed letters from Comenity apologizing for the error, crediting the late fees back, and assuring me they would not report this to the credit reporting agencies. XXXX finished their latest review of this complaint yesterday and no matter how much evidence I continie to give them they listen to Comenity and insist I am now 60 days past due. I go to XXXX XXXX account login page and it still insist I'm 60 days past due although I have never missed a payment. I have contacted comenity six times and XXXX five times. I even sent emails on my XXXX XXXX account asking comenity to stop falsely reporting to the credit agencies and they assure me they would ... and they don't. It's been since XXXX that I have been dealing with this and I am unwell. I am at a lost how to make this company be honest.I have yet to miss a payment. I couldn't stop paying without a phone call even if I wanted to because they set up automatic payments. Payments I couldn't make on my own without a representative setting it up for me. Ty for your help.
Consumer complaint received 2019-05-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Financial Resources, Inc. (CA)

2 accounts in collection are not mine. 
First financial for XXXX XXXX College. I never attended or enrolled in classes there. 
XXXX XXXX XXXX for XXXX Hospital. I always used my health insurance for hospital. This is not mine. 
There are multiple people with my name. 
Use my middle initial and date of birth to see its not mine.
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IL)

My complaint is with Synchrony Bank CareCredit card. Today, XX/XX/XXXX I received a letter dated XX/XX/XXXX that they had cancelled my card. The reason stated was because of a random credit check that they did and my credit score. First of all I want to say that I have had this credit card for 7 plus years. I made timely payment and, when possible, I paid my balance off. I used the carecredit for XXXX  work and to take my dogs to the vet. The last activity I had was XXXX, XXXX for {$100.00} and I paid that off. I contacted the company today, XX/XX/XXXX and spoke with the supervisor that had an I don't care attitude and told me that is the way it is. What I can't believe is that this action is allowed during COVID times. What they have done to me is ding my credit and cancelled the card which has dinged my credit even more while I have been a customer who has kept the account current or paid up and had longevity in the company.
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX Account # XXXX  XXXX Account # XXXX XXXX Account # XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (VA)

In XXXX, I received a letter from Wells Fargo informing me that due to a new policy, they were asking all clients to remove any international addresses from their accounts by XX/XX/XXXX or else they would close the account and send any remaining money in the account ( s ) to the US-based address on file via check. 

My mother and I jointly have a checking account with them. I removed the international account fully from my side at the beginning of XX/XX/XXXX via the mobile banking app. As my mother is not technologically savvy, she went to the XXXX XXXX XXXX XXXX Wells Fargo on XX/XX/XXXX and had them update the account for her side. They informed her that it was complete and did not provide her with any documentation, confirmation via email or text. As they told her it was complete, we felt no need to follow-up with this process. 

On XX/XX/XXXX, I logged into the mobile banking application and saw they had closed this checking account with any further contact to either my mother or I. I called immediately to Wells Fargo and spoke with XXXX and then XXXX, XXXX who informed me that as my mother, the joint-account holder had not updated her side of the account, that there was no way they could challenge the account closure process. 

I find this extremely unhelpful as my mother and I followed their request. I would prefer for them to reopen our closed account. If they don't, I will remove all my accounts with Wells Fargo.