davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Refinance XXXX with Bank of America. I didn't XXXX my house was only XXXX at the time. I received XXXX. My address was changed with the postal service without my knowledge. Have letter from postal service for identity theft. My loan is at XXXX. I didn't receive that money. I been having identity thief for over 20 years. Didn't know how serious it was. Was t paying g attention. XXXX  my only daughter XXXX In XXXX my mortgage was XXXX still have coupon book
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (GA)

Genesis FS card services has a complaint filed with the ftc, I reported fraud that this card was used these charges I am disputing I sent them a copy of this ftc identity theft report and reported fraud. Im getting a letter after me calling several times and filing a complaint there trying to put these charges back on me I will not pay for anything I did not use. These charges need to be disputed and taking off or will consider this fraud XXXX have this account closed Im giving XXXX  a chance to make this right i am filing this with the consumer financial protection bureau to correct this issue. Not be blamed, I have made several attempts to call and explain what had happen now please. Dispute every item on this card. And bring it back to XXXX card loan amount or like I said I will close the card XXXX report this as being fraudulent by this company, I am providing the ftc identity th ftc identity theft report and show my information was exposed in a data breach
Consumer complaint received 2020-09-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XX/XX/XXXX I called and requested a deferment on my mortgage due to the Coronavirus pandemic and was approved for 90 days. I received a letter in the mail from the U.S. Bankruptcy Court stating that my deferment was ending in XXXX, which should have been XXXX because I actually made a payment in XXXX. Due to filing Chapter XXXX Bankruptcy XX/XX/XXXX, I was told my Attorney would need to send a letter allowing Bank of America to discuss the terms of my arrangement which I did and at that time I was told my Account Rep named XXXX XXXX would get back to me with the outcome. I never received a phone call from her and she did not return numerous phone calls from me. I did receive a second letter from the U. S. Bankruptcy court noting an extension until XX/XX/XXXX. I called the bank today to get the details of my deferment and was advised that I was not in deferment, but forbearance which was the very first time anyone had communicated that to me from Bank of America. She stated that I would have to pay the entire past 5 months in full by XX/XX/XXXX but could not go into detail due to my Bankruptcy status and transferred me to a different Dept. I got someone by the name of XXXX in Arizona on the line and he advised he would look into the matter and would place me on hold, he actually terminated the call and DID NOT call back. I have no way of reaching anyone else to discuss the detail of my loan and my Account Rep does not respond to VM messages. I have requested a new AR on multiple occasions and each time I am told, the issue would be escalated and someone would get back to me but never happens. There has been little to no communication in regards to my payment arrangement that has been made with Bank of America and this is wrong. As I was typing this complaint, I got XXXX from XXXX on the line after waiting an additional 1 hour and 45 minutes, he stated XXXX XXXX XXXX XXXX XXXX is my Case XXXX now and transferred me to speak with her which ended up being another spot in a queue. Before transferring the call he stated she was supposed to call me 30 days before my arrangement ended to discuss repayment and once again someone at Bank of America has dropped the ball when it comes to handling my Mortgage. Completely unacceptable.
Consumer complaint received 2020-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

All those student loans accounts were result of identity theft, Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of XXXX  that I did not authorize see the attachment.
Consumer complaint received 2019-10-23
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. (TX)

XXXX  XXXX XXXX has reported a collection on my credit report that was paid by my insurance company. The orginal collector is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has been reported by mistake.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX is reporting a collection that was paid in full/ My insurance company notified me that XXXX XXXX XXXX XXXX  were paid for my medical visit. Client Account # XXXX.
Consumer complaint received 2020-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity Properties Inc. (WV)

I just recently did a credit report on myself and there's an account owned and owed that I've never seen or heard of before. The collector says " Fidelity Collections ''. The date it says reported was XX/XX/XXXX. It says the amount is 4 years and 2 months old. I assume that would place the debt somewhere around fall XXXX and fortunately I was incarcerated at that time so this must be a mistake.
Consumer complaint received 2019-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (TX)

XX/XX/2019 some people request quotation XX/XX/XXXX they start with purchase {$52.00} XX/XX/XXXX i shipped all items to them After 25 days they filed a dispute with American Express Merchant Services they debt {$14000.00} and i answered to them they credit the money and one week after they debit again 10 days after the other guy dispute {$38000.00} and answered rquested help to cfpb with number XXXX after some days more they sent me a letter with information about case was close and they will refund the money and sent me checks i deposited and they stop payment and now reopen the case and stop some money from my customers Is very sad after 2 debit and 2 refunds and one letter with close the cases and told me several times i win both cases now reopen stop refund and stop the money from my customers they want what my company go to bankrupt i dont have money for buy parts and resale They have more of {$20000.00} on hold i not owed nothing i sold the parts and delivered with instructions of card holder
Consumer complaint received 2020-09-11
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. (TX)

I have been paying XXXX, XXXX XXXX and Experian monitoring services every month. These services will not update my balances or credit scores. I have called all three bureaus, Experian, XXXX  and XXXX  on several different occasions. I have filed complaints with all of them and spoken with supervisors. I have elevated the calls. They need to update the accounts and credit scores. The XXXX bureaus all say the same thing that they will update but never do. XXXX months ago, Experian said they had a problem with their system and it has now been fixed. All the bureaus updating accounts and credit scores need to happen ASAP since I have been waiting for so long. They are holding me back as a consumer. For example, I am trying to refinance my mortgage but can't without incurring large refinance fees because of my current credit score. If Experian, XXXX  and XXXX  would update my accounts and credit scores then I would be able to refinance and be able to control my debt better since I have the only income as a XXXX. This is holding me back as a consumer.
Consumer complaint received 2020-09-11
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. (TX)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-09-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I am us, XXXX veteran, I wanted to buy a home and I started by checking my credit report, I noticed that the estate at XXXX XXXX apartment has placed my record under collection with 3 credit agencies. I tried to reach out to them to review the matter but I was turned down so many times. I was told I have to make payment for past dues on the rents with utilities. I sent all payments invoices to them to review the payments still I was turned down again and again. The negative report on my credit report has affected my ability to gain a favorable decision with loan lenders, I am asking your office to intervene and review this matter carefully.
Consumer complaint received 2020-11-07
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: EQUIFAX, INC. (NV)

I submitted a dispute letter to all 3 major credit bureaus several months ago. Unfortunately I have not heard back from them in over 3 months and I still have a lot of inaccurate information on my credit file. I would really like to fix my credit report but have been having the hardest time with the credit companies actually investigating my issues. I tried mailing in my request and didn't get an answer back then I sent it certified and still didn't get an answer back. I know that if the credit companies would just look into my issues I would be able to fix my credit.
Consumer complaint received 2020-09-11
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. (TX)

I have an issue with a collection account on my TransUnion credit report. I have contacted the collection called XXXX XXXX XXXX XXXX of Maryland and they are rude and unwilling to comply to the FCRA and FDCPA demands I made. I contacted Trans Union and spent over an hour on the phone with being transferred XXXX times to XXXX different people and departments. In explaining the issue and that this debt collector is not only attempting to collect a debt not mine, without FCRA required proof of debt and documentation, it is ALSO over the Texas statute of limitations and is WAY beyond the 4 year mark. The end result of the hour conversation with Trans Union led to me being told this would be electronically sent to the collection and they have up to 30 days to remove it. This is completely unacceptable to me. I would like the CFPB to please prompt Trans Union to correct this error especially since they admit it is violation of my FCRA rights and they are reporting this KNOWING it is bogus, in violation and damaging my credit. 
I have taken every action I know and refuse to accept that this can not be taken care of immediatly and not in a 30 day period. 
Thank you in advance for your help. If there is anything else I can provide please let me know. I need this off my credit immediately please.
Consumer complaint received 2021-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (AZ)

This debt has been sent to Phoenix Financial Service from XXXX XXXX. I previously reported this fraudulent charge from XXXX XXXX  when the submitted to Resolve. They have now let it be submitted to another collections company. The stated from my prior complaint that they would absolve this debt and issue.
Consumer complaint received 2022-02-11
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. (FL)

on XX/XX/XXXX I the consumer pursuant to 15 USC 1602 XXXX XXXX XXXX sent XXXX XXXX XXXX XXXX a cease and desist letter pursuant to XXXX XXXX XXXX ( c ) ( c ). XXXX XXXX XXXX XXXX acknowledge the letter and responded on XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX this order and provided false and misleading representations to XXXX and Equifax pursuant to 15 USC 1692 ( e ). the organization shared fraudulent information stating that I allegedly owed a debt to this organization. pursuant to 18 USC 8, I owe no debt. this company is violating my right to privacy pursuant to 15 USC 1681b 2. this company has No permission to report ANYTHING using my information pursuant to 15 USC 1681 4.
Consumer complaint received 2020-09-11
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. (TX)

XXXX ; XXXX  and Transunion should not be reporting a collection in the amount of {$5600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am negotiating a settlement with XXXX and therefore XXXX XXXX should not be reporting this account. I have attached documentation for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sensible Auto Lending, LLC (MA)

After numerous letters mailed, emailing the CEO of the company as well as speaking with a number of customer service reps, trying to get inaccurate information deleted and or updated on my Sensible Auto Lending account, Per FCRA I have the right to request that the account be UPDATED IMMEDIATELY or I can sue said company for No response and false reporting. Universal data on all 3 credit bureaus fail to show accurate information. 
XXXX and XXXX date reported states XX/XX/21, mean while XXXX date reported states XX/XX/21. XXXX date of last payment states XX/XX/21, meanwhile XXXX XXXX XXXX date of last payment states XX/XX/21. 
XXXX states a balance of {$9200.00}, while XXXX and XXXX balance states {$8600.00}. While my actual loan balance on the Sensible Auto Lending payment portal states {$8500.00}. XXXX states I have 3, 60 day late payments and XXXX XXXX XXXX states 3, 30 day late payments.
Consumer complaint received 2020-11-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Hello, XX/XX/2020 my chapter XXXX bankruptcy was discharged and my mortgage was never re-affirmed. 
I made the XX/XX/2020 mortgage, early with payment from 2 different banks via bill pay. 
XXXX XXXX made the decision to get this money to use it for fees related to the re-affirmation that I never signed and that they never offered me to sign. 
XXXX XXXX also chose to get the remaining money to pay extra towards the principle. 
XX/XX/2020 mortgage remained unpaid until recently in which I was able to pay it, again. 
Please keep in mind that my house is not in foreclosure and my mortgage is up to date. 
I am reaching out to you for help as XXXX XXXX chose not to help me after many many many attempts. 
Is this practice usual and customary mortgage practice or even ethical / legal? 
Now I find myself in a bind with a financial institution that chooses what disclosures they send me and which disclosures they do not. 
Now I find myself in a bind with a financial institution that chooses how they disperse funds that I pay, as they deem in their best interest. 
None of my excellent payment history is being reported to credit agencies since I never completed the re-affirmation that was never offered to me by XXXX XXXX. Yet XXXX XXXX is able and willing to quickly charge and collect on funds specifically allocated for the Mortgage. 
Thanks, XXXX
Consumer complaint received 2024-10-10
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-23
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. (NC)

The debt that XXXX XXXX  for XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, and XXXX XXXX  is trying to collect is outside of the statute of limitations in North Carolina where I live and where the card was opened is 3 years. My account number for XXXX XXXX  for XXXX XXXX XXXX is XXXX. My account number for XXXX XXXX  for XXXX is XXXX. My account number for XXXX XXXX  for XXXX XXXX is XXXX. My account number for XXXX XXXX  for XXXX XXXX  is XXXX. It has been more than three years for all accounts. I have disputed the information with all credit bureaus and company and the company will not remove the information from my credit reports with the Bureaus although it is now a zombie debt. The statute of limitations is 3 years and we are well past that. The company 's neglect to remove this debt is hurtful to my credit profile and ability to live with financial freedom. I would like the account removed immediately from all credit bureaus.
Consumer complaint received 2020-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I hold two credit cards with Capital Ones. I make my payments each month on the Capital One website. For personal financial reasons, I pay the amount owed to Capital One, on their Capital One website, the day before its due. It was my thought that by paying on their website the day before it was due, I could avoid late fess and interest payments each month. I learned that's not the case at all because even if I pay on their website, Capital One does not credit the account until Capital One receives the funds from my bank a day or two later. I could have easily avoided months, perhaps even a few years of LATE INTEREST PENALTY $ $ charges had I paid through my bank and NOT Capital One 's website. Its deceptive practice to lead a customer to believe that if they go directly to the lender with earnest payment before the due date, the lender would allow a grace period of 24 hrs of business and not insert a penalty the following day knowing that the customers directive to their bank is to allocate a set amount to be paid to be paid to a payee. There is no advantage to the customer to utilize their website. On this day a compliant was raised and the response given was " you should open an account with Capital One to avoid that delay ''. There is no delay. A confirmation from their website noting payment is being paid should be honored rather the trolling or coercion of opening an account-thus selling a financial product. There's a lot of spin language to their products and misrepresentation abra cadabra that needs sophisticated oversight. Their website for payment of credit charges is misleading. It's sold as a method to pay a bill timely and avoid charges and its not.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I've contacted the companies below & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (CA)

I just recently reviewed my profile and Im very upset to the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determined my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirmed that your information posted in my file are correct? I never received any notice from these companies that my dispute is truly mine or correct? As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or Rescind. 
XXXXXXXX XXXX XXXXXXXX .... Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$1600.00}.