davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-20
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: Experian Information Solutions Inc. (AZ)

Hi, I informed Experain, XXXX  and XXXX  that the ( XXXX XXXX XXXX ) XXXX was reporting different across all three credit bureaus. 

Experain and XXXX  said they verified this information as correct. 
XXXX  never responded to my letter I sent. 

I want to remind you its the Credit bureaus responsibility to report 100 percent accurate on the consumer report, Please see the variables below Date Opened : XXXX  : XX/XX/XXXX Experian   XX/XX/XXXX XXXX  ; XX/XX/XXXX High Credit : XXXX  : {$500.00} Experian  {$0.00} XXXX  ; {$300.00} Last Reported : XXXX  : XX/XX/XXXX Experian  XX/XX/XXXX XXXX  ; XX/XX/XXXX Comments XXXX : Charged off as bad debt Purchased by another lender Experian Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Sold to : XXXX XXXX XXXX XXXX XXXX ; Account transferred or sold Charged off account Date Last Active : XXXX   : XX/XX/XXXX Experian XX/XX/XXXX XXXX  ; XX/XX/XXXX Date of Last Payment XXXX  : XX/XX/XXXX Experian XX/XX/XXXX XXXX  ; XX/XX/XXXX
Consumer complaint received 2020-10-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America and myself have had a very long history on my home mortgage. I purchased the house in XXXX-refinanced with Bank of America XXXX, home equity loan which allowed me to pay my own taxes. In XXXX. Bank of America changed the terms of the agreement and began to escrow the account to cover homeowner taxes, insurance, water, sewer and trash bills ( {$2500.00} ) a year. In XXXX, I refinance the home loan with another lender. Bank of America provided information that all my XXXX taxes, insurances, water, sewer and trash bills would be paid from the accumulated escrow applied to the back end of the loan. I only owed {$46000.00} on the exiting loan, however Bank of America added over {$10000.00} in escrow amounts to the loan. I had never been late of the loan monthly agreed mortgage payments, they claim this escrow was for taxes. I recently received a tax bill from XXXX. The total pay off amounts where at the end of XXXX XXXX, total pay off of the loan was XXXX, which was pay off by another banking company. There should not be any taxes still owed in XXXX, according to the documentations and information provided to me at the time of the pay off of the exiting loan. Bank of America refuse to provide me with a refund of the differences in escrow at the time and now I owe for XXXX. This procedure can not be accurate.
Consumer complaint received 2020-11-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Hi. 
I sent dispute letters to the credit bureaus because they are reporting inaccurate information that is ruining my credit. 
I want the inquiries that I didn't authorized and negative accounts that shouldn't be on my report remove.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have an unemployment EDD debit card with Bank of America. On XX/XX/XXXX, {$1000.00}. was taken from the account and again on XXXX XXXX another {$1000.00}. was taken, neither withdrawal was done by me. I called the bank on XXXX XXXX and the cust. service rep, after hearing my story and looking at my account, agreed it was fraud and told me this type of thing was happening a lot. He apologized, cancelled my card and sent a new card via XXXX, which I received the next day. He also told me the stolen money would be replaced within XXXX days and issued a claim number XXXX # XXXX XXXX. I still don't have a refund and no other correspondence was sent from the bank. I have called twice since then to follow up. Both times, after waiting on hold for hours, I'm asked all the questions by the person answering the call that get them into my account. Once they see the information, they tell me they have to put me on hold and I'm immediately hung up on. I know I'm hung up on because if the call disconnected by accident, they see my name, email and XXXX phone numbers to reconnect the call. I have also filed a police report and a complaint with the FTC.
Consumer complaint received 2020-10-20
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AL)

TO : Citibank Credit Card Disputes XX/XX/20 pages : 1 plus three attachments Card ending in XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX RE : Case XXXX XX/XX/20 {$99.00} XXXX XXXX Hello, I wrote you about above case and showed you my statements that this case was permanently closed in my favor months ago. I showed you in my disputes list 20 or so cases, this one included have mysteriously changed from closed in my favor permanently for months to CLOSED IN MERCHANTS FAVOR credit reversed dated XX/XX/20. 
Many others have been dated XX/XX/20 or XX/XX/20 and I send you the proof you notify me today XX/XX/20 of a letter in my e communications dated XX/XX/20 attached here as A that tells me exactly what I told you that the case was closed in my favor previously. Now check attachments marked as B and C on top in my disputes list today the same case shows closed in merchants favor XX/XX/20 credit reversed. 
This is a non stop issue and how can we trust any of these decisions when what is going on here please?

There are 7 credits I am due on this same acct that needed to be credited but something is going on very wrong here.
Consumer complaint received 2020-10-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (DC)

Sunrise Credit Services has been calling me repeatedly, but not answering when I pick up the phone. So I called them today. They told me I had a {$600.00} debt to XXXX. I have never had a XXXX   account. They asked if I lived at a particular address -- I had never lived there. They asked if my birthday was XX/XX/XXXX. It is not. The calls from this place are incessant and it's not even my debt.
Consumer complaint received 2020-11-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2020, XXXX XXXX XXXX add a hard inquiriy on my credit report per XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiriy on my credit report per XX/XX/XXXX 
On XX/XX/2020, BK OF AMER add a hard inquiry on my credit report per XX/XX/XXXX.
Consumer complaint received 2020-11-19
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: WELLS FARGO & COMPANY (WA)

On XX/XX/2020, WF CRD SVC add a hard inquiriy on my credit report per XXXX  and XXXX. 
On XX/XX/2020, WF CRD SVC add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2020-11-19
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This loan was paid in full. It was never sent or sold to a collection agency. They have refused to provide the correct information and now it is showing as a charge off when it wasnt. Experian was provided with a letter I received from XXXX stating the loan was paid. I also have proof showing XXXX was who deducted the FULL payment from my bank account.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2020, I submitted a dispute to experian in regards to a bankruptcy being inaccurately reported on my credit profile by experian. In their response they stated they verified the information to be accurated even after i submitted documentation that the name and address was different from mine. According to section 609 in the FCRA, all information in a credit file must be reported accurately, however experian has failed to do so and refuses to correct this issue.
Consumer complaint received 2020-11-19
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: FIFTH THIRD FINANCIAL CORPORATION (OH)

XXXX is still not updating with agency ( XXXX ) also Ive proved it was fraud and they did an investigation in which it was removed from XXXX, XXXX XXXX, but not with XXXX Also reporting derogatory on my report, as are all the others and this was not my debt.
Consumer complaint received 2020-10-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent 3 different letters to Experian, ( different accounts ) that they signed  for on XXXX XXXX. Experian only responded to one of my letters, and never responded to the other two. I sent out a failure to respond letter that  was delivered to them on XXXX XXXX along with copies of each letter I sent, a copy of the one response they sent and all 3 copies of the certified tracking slips. Ive submitted complaints about how Experian has violated the FCRA by not inputting notice of dispute as well as failing to perform a proper investigation into my disputes. I recently received an updated credit report with no changes! Why were these accounts not handled properly. Experian failed to respond within the allotted time, however they still did not take the proper steps to rectify their mess up! Last time I made a complaint Experian responded they could not look into the situation because they were not sure I was who I claimed to be.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I would like for these company to properly reinvestigate and remove the following : XXXX XXXX XXXX. 
This was properly reinvestigated by XXXX and removed from my report with them. I have contacted Equifax and XXXX credit reporting companies and requested in accordance with Section 605B of the FCRA, we have determined that the block request may have been made in error ; is a misrepresentation of material fact relevant to the request to block and/or you have obtained possession of goods, services, or money as a result of the transaction.
Consumer complaint received 2020-11-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (NY)

Honda Motor Finance had a software glitch on their website that caused auto payment to turn off without my consent or approval. Late payments were charged as a result. Honda Motor finance has sent letter to my mortgage bank saying that the delinquencies have been lifted but they have failed to reflect that to the credit rating agencies which has resulted in a steep drop to my credit rating. Honda motor finance has several time admitted that the credit delinquencies were a mistake and a result of their website errors but has yet to reflect that to the credit bureaus. I have NEVER had a late credit/delinquency and my credit score prior to this event was XXXX.
Consumer complaint received 2020-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (TX)

I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Consumer complaint received 2020-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a bank account with Capital One on XX/XX/2020. Upon opening I deposited {$500.00} electronically to this account from my XXXX XXXX  account. I was informed, electronically, that my debit card would be mailed to me. 

On XX/XX/XXXX, I got a fraud alert on my phone alerting my to activity on my account. 

I immediately logged in online to check the account. Someone had taken {$500.00} out of my account at an ATM location in XXXX XXXX, CA. I have location data to prove that I was home working all day. There was also an attempted purchase at XXXX XXXX as well as a check was deposited in my name at the ATM for {$2500.00}. 

After seeing all of this, i immediately called the bank to report fraud. I was on the phone for hours. No one seemed to be able to understand what happened or how it even happened. 

I never received the ATM card in the mail, somehow someone got a hold of it and was able to activate it. Seems there are poor security measures. My account was hijacked due to poor ATM card security by the bank. 

The bank told me on the phone that they were closing my account and I would never be able to open another one with them. They said the activity on the account poses a risk to their company. They cut me off and told me they would make a decision and reach out to me when they have decided. I told them it seemed pretty simple to look at the security cameras at that ATM location to find out who it was as well as work with XXXX XXXX to find the culprit. 

I received a letter in the mail dated XX/XX/2020, but did not receive it until XX/XX/2020 telling me they are denying my claim because they didn't find an error. 

This is completely unacceptable. Through no fault of my own someone was able to hijack my mail and activate my card and steal my money. I don't think so. I will not rest until I get my {$500.00} back and more due to all of the time I have had to spend now trying to get my money back.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (NC)

Comenity bank wayfair date opened XXXX XXXX amount is XXXX but its closed and negative on my account, again I have tried to contact them to tell them I did not open this account and I am not responsible for this debt
Consumer complaint received 2020-10-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: OneMain Finance Corporation (FL)

I think they unfairly trap me into a high interest rate on a loan that the charge over 80 % of my payments go to interest ... Ive ask fir lower interest rate but denied .... Im never going to pay off this {$33.00} k loan I been paying {$500.00} a month for over 10 years and its still over the $ XXXX balance
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

This is concerning a payment to my XXXX card from CapitalOne. I was set up for autopay for the statement balance of for this card. My statement balance was XXXX. I cancelled my autopay and made a payment of {$550.00}. This was the only payment I authorized. One day after my due date, I saw that CapitalOne had taken out XXXX and XXXX, which is about {$540.00} more than my entire balance at the time. Every other credit card I have does not allow you to pay more than whats owed. They dont let you make multiple payments is an autopay is pending, and they have alerts. Not only does CapitalOne not give any warnings and allow duplicate payments, they also accept payments above the amount they you owe them. When I called them to cancel the payment, they said they would mail the overage owe me in 7-10 business days, although their automated system says 60-90 days. They should not be allowed to automatically withdraw money from your account more than what you owe them.
Consumer complaint received 2020-10-15
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. (VA)

On XX/XX/2020, i submitted a dispute to equifax in regards to inaccurated bankrupcty being reported on my credit file by equifax. I submitted evidence to equifax showing that the address and the name of the person in the bankruptcy case they say belongs to me did not match my name or my address and for those reasons the information should be deleted from my credit profile. However on XX/XX/XXXX they replied stating that they verified the information and it was reporting accurately.
Consumer complaint received 2020-10-20
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. (WA)

My credit rating for all three companies continuously shows delinquent charges even when XXXX XXXX & their Mortgage company XXXX XXXX has formally submitted a mortgage condemnation 1099 to the IRS. All three credit reporting companies have not updated my credit rating since XX/XX/2020 even after being shown proof that the claims are fraudulent claims by XXXX XXXX & their Mortgage company XXXX XXXX. They have repeatedly denied any wrong doing and tell me how to repair my credit rating which I have tried but produce no results. The mortgage in question was an illegal mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. Here is a link to all the evidence. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (CA)

At the beginning of XXXX, I received notification of a debt sent to collections via XXXX. The debt was for a XXXX account claiming to be under my name. I sent disputes to the collection company, XXXX XXXX XXXX, and it was removed from my credit report due to the account not being valid. I was able to provide verification of my cell phone number and address that didn't match the information on the collection account. The account was deemed unverifiable and removed from my credit report in XX/XX/XXXX. Since then, the account was sold to a new company, Southwest Credit, and is currently back on my report as of XX/XX/XXXX. I sent the same verification request to the new collection agency and they can not verify my account. The only thing they sent me was a bill dated back in XX/XX/XXXX. I've been a XXXX XXXX customer since XXXX, the cell number on the documents are not mine, and the address has a XXXX XXXX XXXX Oklahoma where I don't reside. I've lived in California since being stationed here in XXXX with the XXXX. This is extremely frustrating because I'm in the process of buying a home and this unverifiable debt is causing my interest rate to be higher. I shouldn't have to keep redisputing the same account every 6 months and would like assistance in finding a solution to this matter. This company can not provide proof that this debt is mine or copies that show that i have agreed to pay this debt.