davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I spoke with a rep for payment hardship during Covid 19 As I required assistant I reached and I was offered assistance which allowed me to make a lower payment without reflecting as late, until current. XXXX issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020 XX/XX/2020
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

XX/XX/XXXX I requested to redeem all my rewards through the app. XX/XX/XXXX I called to close the account and tried to reach a real person but only reached robots and the robots closed the account before routing me to talk to customer service as requested, because I had mentioned close account as the topic. Now the company says they never received my redemption request and is saying all my reward dollars are forfeited.
Consumer complaint received 2022-07-30
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. (OH)

I am filing this complaint due to a unauthorized account from XXXXXXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX ) I have never had a XXXX account for cable or internet. Someone has use my name and information to open up an account. I am disputing this under the FCRA XXXX, XXXX, XXXX.
Consumer complaint received 2021-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (AL)

Account Information : Mortgage Servicer Information : Gregory Funding, LLC XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX, Oregon XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : XXXX XXXX XXXX transferred my home mortgage to Gregory Funding in XXXX of XXXX. Currently, I am in the process of trying to pay the mortgage off. I have reached out to Gregory Funding for the past year and feel I have not been able to receive satisfactory information concerning the mortgage. I initially contacted XXXX XXXX but was told no other information was available as it had been transferred to Gregory Funding. According to paperwork Ive obtained from the credit bureau and from Gregory Funding the amount of the mortgage originated in XX/XX/XXXX was {$130000.00}. I have reached out to Gregory Funding and XXXX XXXX to obtain the correct information and the payoff amount on many occasions but have not been able to receive the correct amount that was actually owed since XX/XX/XXXX because according to the documents the original mortgage amount in XXXX was {$130000.00}. To date from XX/XX/XXXX until the present time XX/XX/XXXX I have paid Gregory Funding approximately {$120000.00}. The interest rate is 6 %. I received a payoff statement from Gregory Funding for {$140000.00} several months ago and have spoken with many of the staff but still havent received the correct information. 
Over the last year I have reached out to the headquarters many times, tried to speak with someone in management to see I can get the correct amount. The number at the headquarters located in XXXX, Oregon goes to an answering machine and no one returns your call. The wait on the office phone located in XXXX Oregon is normally over an hour or more, and when someone gets on the line the information that is received is normally not what you request. I have had several calls just dropped after holding for way over an hour. I have waited several months for another payoff statement after I told them that the original mortgage amount was {$130000.00} in XXXX ; and that is not the amount that should have been transferred in XXXX. It should have been much lower. I have not gotten any additional information from them. 
From what I understand they are plagued with lawsuits for mishandling customers accounts, mortgage balances not correct and not providing correct information concerning mortgages that they hold. I have enclosed a copy of a lawsuit that theyre trying to settle now due to them violating the federal Fair Debt Collection Practices Act. 
I certainly hope your organization can help me obtain correct information relative to my mortgage so I can pay it off! Thanks for any consideration, given this request. 


XXXX XXXX XXXX XXXX cell preferred XXXX office
Consumer complaint received 2021-06-10
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (TX)

Every few months, a different credit collection agency tries to collect a debt that has already been classified as too old to collect. In addition, this debt was dismissed by the Department of Education due to the schools improper loan practices. In this case, the most recent debt collector is Synergetic Communications IncXXXX out of XXXX, Texas. Your agency has already resolved the debt with one agency. Now the above company is trying a new collection tactic. Below is the new credit agency trying to collect on this debt : Synergetic Communications Inc. 
XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX-Phone XXXX-Fax As I mentioned in my previous complaints, the debt is more than 10 years old. It also was dismissed by the Department of Education. 

I'd like attempts to collect on this debt to end. 

XXXX XXXX
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$12000.00XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX - {$2900.00}
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In XX/XX/2020 I requested from Bank of America and was granted forbearance under the CARES act for my mortgage. It was explained to me that I had a 3 month forbearance, and that after that time I would have to make arrangements for repayment or to add it onto the back of the mortgage. I did not make payments during XXXX, XXXX, or XXXX. I sold the house and the mortgage was paid off on XX/XX/2020. I have discovered that Bank of America reported me 60 days late on my mortgage payment - the only late payment during the life of the mortgage! I attempted to call them and spoke to 3 or 4 individuals - I was " accidentally disconnected '' 3 times. I eventually was given a case # XXXX. My credit has been destroyed and my ability to get another mortgage is impaired due to this very recent bad report.
Consumer complaint received 2021-06-16
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. (UT)

XXXX XXXX is stating false in information. They are reporting a XX/XX/21 late. As they are stating that I made XXXXXXXX XXXX payment late. When the draft for XXXXXXXX XXXX payment did not go through. I called and they advised me that they are not accepting payment as the account closed and was sold to another company. At this time, they didn't give me any information, and they stated that the new company would contact me with the new information and how to make payment. Once received I called and made the payment with XXXX. However, I was not late and should not be marked as late. this XX/XX/21 late is erroneous!! It is complete violation that they are reporting this as a late, as for one, they longer had this account. Two, I did not request my account to be transferred and this was out of my hands. I was ADVISED to make PAYMENT to the NEW Company!!! As soon I received this information the payment was made.
Consumer complaint received 2020-09-17
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. (MS)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-28
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: CLGF Holdco 1, LLC (MD)

XXXXXXXX XXXX card recently sent me a bill after my account has been closed with them via a legal means. I submitted a dispute to XXXX card and which XXXX of representative responded that the trade line has been removed. Its been over a month and XXXX  seem to not remove the item but rather when I submit a dispute to show the account has already been deleted. XXXX card service keep verifying a trade line that they said has been deleted which is false representation. Kindly attend this matter as matter of urgency as the account is still on my credit report and hurting it even more. Attached is documents which stated our previous conversation with XXXX and how untrust they can be. Delete this account as stated in our previous dispute via CFPB. Please provide document of deletion to make sure it was confirmed to be deleted!
Consumer complaint received 2020-09-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Boone & Associates Group LLC (NY)

XX/XX/2020 - Called my parents both at home and my mother 's place of employment. Threatened to sue me and take me to court, file garnishes against Social Security, etc. if a return call was not immediately made. They claim to have papers ready to file in reference to an outstanding loan.
Consumer complaint received 2020-09-17
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. (MS)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC (CO)

I opened an account with Gemini. Shortly after doing so my account was frozen without explanation. I have filed a support ticket and reached out to gemini for support. No response. My user name is my email. XXXX. After submitting my ID and a selfish with the date and required info I have yet to recieve a response. Please help
Consumer complaint received 2022-07-22
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX
Consumer complaint received 2022-02-05
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)

In XXXX, i disputed an account that I recognize as not being mine. This was listed as a chargeoff. Because I am trying to finance a major purchase, I paid the chargeoff, and was told that they would delete the account entirely ( by the creditor ). They did not do so. 

I disputed this account on the tranunion web site, and received notice that they 'verified the debt as accurate '. I am challenging how this investigation was performed, because the results were delivered VERY quickly. The US Supreme Court has already ruled that they must conduct an investigation independently and can not just take the work of the creditor. The speed with which the dispute was completed dictates that Transunion likely used the XXXX system that they partially own, to verify this debt. 

Adding insult to injury, their online dispute process is flawed ( by design, i'm sure ). They is NO mechanism by which to upload supporting documents, no mechanism to email supporting documents, and no mechanism to fax supporting documents ... despite these options ALL being mentioned as available. 

I do believe that Transunion is violation the Fair Credit Reporting Act, in several ways. 1, they arent conducting an independent investigation. 2. They are NOT providing me with written results of the investigation. 3. they are NOT supplying the method of verification despite being asked politely, and 4 they are making it intentionally difficult for anyone to submit a dispute. 210 characters to explain a complex financial situation? No method by which I can respond or escalate the dispute? 

Further, it seems that in an age of instant information, within moments of using a credit card my balance is updated on my credit report. Why exactly is it that it takes over XXXX weeks to reflect payments on those same accounts? 

It is 2022. We have a larger number of communication mediums available to us than at any time in the history of mankind. Transunion is limiting them tremendously, and manipulating the ones that they do make available. 

This is a material violation of the FCRA< but frankly I believe is also fraudulent activity on the part of the agency I am supposed to trust with my information.
Consumer complaint received 2020-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI (NV)

General Revenue sent out a collection letter XX/XX/2020. In this letter it states " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid.If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgement and mail you a copy of such judgement or verification. Upon your written request within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor. 

General Revenue place this collection account on my credit report XX/XX/XXXXbefore validation was done, or even notifying me that there even was a collection account. I never received a letter from them until XX/XX/2020 and they mailed it out XX/XX/2020. 3 days after placing it on my credit report. 

I received this letter XX/XX/2020 and sent out a Request for Validation letter XX/XX/2020. This is not my account and has now dropped my credit score because this fraudulent account was placed on my credit report and the collection agency violated my 609 rights to have accurate information placed on my credit and gave false information and tactics in their letter of stating that sending written notice within 30 days to dispute the validity and placed this collection account on my credit before I was even notified that there was a collection account.
Consumer complaint received 2020-10-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

From XX/XX/XXXX to XX/XX/XXXX a XXXX XXXX had been taking money from my account, unauthorized by me. The increments started low, and went on 1 and 2 times per day. The increments increased in value over the month. The thief used a XXXX XXXX  such as XXXX  to make the transactions. The total equaled {$9800.00}. When I called Bank of America on XXXX first I filed a claim. I was told it will take 45-60 days. It took less than 10 days to make a determination on {$9800.00}. The main reason they denied was " it did not follow the typical fraud pattern '' Also they said it took me too long to report. Also, Bank of America did not send me one notice via text or any other communication suspecting fraudulent activity. with 46 transactions, sometimes 2 per day, equaling over {$400.00} dollars at one point.
After the claim was denied I was instructed by Bank of America to file a police report to be able to reopen the claim. I did so and opened the claim again. The claim was closed in a week and the same reasons were given. 
No one ever called me to discuss it or ask questions. Which I would think over 10k someone would call me in a real investigation. And they did not.

On XX/XX/202 I have called back to get an explanation and the opportunity to speak with someone with decision making capabilities. Thus far it has proven unsuccessful. I have been a Bank of America customer for 15 years. I trusted them with my money and it is clear they don't really care about me or my family. 

I am uncertain who to turn to in this situation as there is no way I can just let this go. Thank you for any help you can provide me and my family.
Consumer complaint received 2022-07-22
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 have a three credit hard inquiries on my equifax credit reports, all are fraud activity. I already submitted the FTC identity documents to Equifax and they never remove the fraudulent information from my credit reports. I Already contacted to Equifax several times and they are still not doing anything and ignores me .Please help me to remove the all fraudulent credit hard inquiries from my Equifax credit reports.
Consumer complaint received 2020-10-06
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. (TN)

The credit card company is showing my account as 30 and 60 days late payment it is showing during a time when my account was showing as not being reported. 
I was never late with my payments. I tried contacting the company but they did not do anything to resolve the issue. My account number is not showing on the account and they said they can't give it to me because of confidential reasons so I don't have the account number and it is not showing up on the report. The account is closed because I have not been using this account.
Consumer complaint received 2022-07-22
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)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commercial Acceptance Company (PA)

I continuously tried to dispute this debt that was fraud, I contacted the collections, I contacted XXXX as well and nothing was done I disputed a number of times throughout the month, lastly I submitted a letter to expire Ian to dispute and they have not gotten back to me within the 30 day period.