davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-12
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. (TN)

I am trying to dispute something on my credit report and when I went to my account it said I had to call Equifax. I have called several times and got to a human being once who, after verifying myself and gave the correct code, refused to help and then sent me back to the main menu where I spent 20 minutes trying to get past the automated system that kept saying it did not understand me and kept looping me back to insert your social security number. By the time I got through they were closed. I am tired of dealing with all the credit bureaus because all they do is leak peoples ' personal information and have XXXX security and are on the news constantly about this being hacked and that being leaked. They all need to be closed.
Consumer complaint received 2024-10-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Legal Action Bureau Inc (FL)

I am reaching out regarding a credit report issue that requires immediate attention, as it is impacting my ability to proceed with a home purchase. 

On XX/XX/year>, I paid off my account with XXXX XXXX XXXX XXXX, and I was informed that this update would be sent to the credit bureau by XX/XX/XXXX. Despite this assurance, the account remains on my credit report as unpaid. I filed a dispute on XX/XX/year>, which was denied within XXXX hours. I filed another dispute on XX/XX/XXXX, but it was also denied within XXXX hours. When I contacted XXXX XXXXXXXX XXXX XXXXXXXX, I was informed that the account was deleted from their system, which should have removed it from my credit report. 

Please investigate this matter and confirm the necessary update to reflect the account as paid in full. This update is critical for my mortgage application, and I would greatly appreciate expedited handling of this request.
Consumer complaint received 2024-10-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (AZ)

Subject : Request for Resolution of Account Issues Dear [ Recipient 's Name/Company Name ], I hope this message finds you well. I am writing to address several concerns regarding my account, stemming from an emergency I experienced at the beginning of the year. During that time I was unable to make my payments timely. However, I have since caught up on all missed payments. 

Despite my efforts, I am still experiencing difficulties in getting my payments posted accurately and timely. It appears that I am being forced to follow loss mitigation procedures, which seems to be the only avenue available to me for making payments. This included having to pay a {$1300.00} fee as the only way the system would allow the payment to be made. Additionally, I have noticed that the company is utilizing suspense posting for my payments, preventing them from being posted according to our agreement. 

Moreover, I would like to bring to your attention that insurance has been added to my account, despite the fact that I have an existing policy that is fully paid. I was compelled to obtain this policy due to previous issues with late payments when my loan was sold three times, which resulted in the cancellation of my original policy. Rather than collaborating with me to resolve this issue, the company has unilaterally added its own insurance. 

Today, I received a call from a notary regarding a loan modification that I did not authorize, apply for, or desire. My primary objective is to have my account restored to its proper status and to receive assistance in this matter. 

I would appreciate your prompt attention to these issues and look forward to your response. 

Thank you for your understanding.
Consumer complaint received 2024-10-25
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: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (NY)

I have been repeatedly solicited by American Express over the past two years. I have filed numerous complaints and spent multiple hours remedying the situation. I have filed complaints with the XXXX XXXX and the FTC. American Express repeatedly ignores my requests. I would like to file a lawsuit in federal court for tort and negligent infliction of emotional duress. I have asked to many times to not be contacted. I should be immediately compensated for damages and injury caused by American Express
Consumer complaint received 2021-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On the evening of XXXX, XXXX XXXX I have sent the payment through the XXXX from Bank of America Mobile app. This was the common rent payment and I did 5 last years. But at this time the landlord didn't receive the amount of {$1500.00} because the other person was enrolled under his cell number to XXXX I filled the dispute to Bank of America and they declined my requests to return money. But the money was send to completely wrong person and I didn/t know about it and I have all evidences to proof that it was wrong person. 
The timing of the story : XX/XX/XXXX we used XXXX to transfer {$1500.00} from my Bank of America account to XXXX XXXX ( who is our lendlord ), which he did not receive. ( transaction was charged from the account on XX/XX/XXXX ) XXXX XXXX tried to connect the person who now own his number. He or She said that he didn't receive any transaction on those dates, and that he own this number for a few months. ( All screenshots of the discussion will be attached ) XX/XX/XXXX we went to Bank of America on XXXX XXXX, XXXX NC. During the meeting with a BOA Customer Service Representative agreed to bring his manager over to discuss this case. The manager agreed to set up a case to trace the transfer, and an appointment was scheduled on XXXX XXXX. 


XX/XX/XXXX We went to Bank of America on XXXX XXXX. The same Customer Service Representative did a few things : 1 ) checked XXXX XXXX BOA account to make sure the {$1500.00} was not received. 2 ) called a BOA internal team to set up a case, which was captured in the attachment. 3 ) asked me to follow up based on the information provided to him after XXXX weeks by calling XXXX, and use Case # XXXX. 

Then I received the mail from the Bank of America that transaction was received by the customer who is owning the XXXX 's phone number ( will be attached ). 

Then I tried to contact that person by phone, the man was answered ad drop the phone call immediately and blocked me. 

Let me please repeat again, the person- who I have sent money to is the wrong person who just enrolled to XXXX, he was saying that in messages, you will see. This is the big money transfer institutional issue, when you don't know when the person, who you were sending money for more than 5 years doesn't use his phone for zelle anymore until other/wrong person will enroll. 

I have the messages with my landlord already, when this phone number was under his name. So I didn't think that something could happen, cuz I used it 5 more years. 

I am not safe as a consumer in this case. 

I am asking to Bank of America to do a manual underwriting of my situation, cuz for the XXXX last month I did my investigation and I have all proofs of the wrong transaction and XXXX service issue. I want to explain to the fraud representative all my paperwork of screenshots.

I want my hard earned money back.

Hope for understanding and resolving my situation.

Thanks
Consumer complaint received 2023-03-27
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2021-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TN)

Midland Credit Management sued me, via XXXX, XXXX XXXX XXXX XXXX XXXX, with a summons issued on XX/XX/XXXX. The case was just dismissed on XX/XX/XXXX, but it should have been dismissed a long time ago. I've been to court three times now for the same matter. I filed, without an attorney, two motions, a letter to Midland, and attempted to file an asset subpoena. 

The attorney never received the second motion, filed XX/XX/XXXX. She read my copy. 

Midland kept alleging that my account was opened as a XXXX XXXX, when it was opened as a XXXX XXXX, which was later transferred, by XXXX, into their MasterCard program. I have all of my purchase receipts and billing statements, and nearly all of my payments were made in-store, so I have those receipts as well. 

I was never invited into the courtroom to show my evidence. The attorney ( mediator ) for XXXX always met with Midland debtors outside the courtroom to get people to arrange a payment arrangement. I would never do it because they kept sending me copies of statements that didn't match mine. That was my main issue. I have an account and the issuer did charge it off, but it appears to be lost. 

If a debt collections company is going to go to the effort and sue me, the onus should be on them to prove their case. I shouldn't have to keep requesting info in order to verify they have the right account. And where are my rights? I should have been let into the courtroom once I said that they didn't have the right account and I had evidence to prove it. 

Not only that but Midland reported my account to the credit bureau before they got a payment arrangement or won a judgement. Someone got my XXXX XXXX deleted from my credit file, along with five years ' worth of payments that I did make. And even XXXX XXXX conceded that my account was opened as a XXXX card, so I don't understand the disconnect between a debt collector and their law firm.
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CONGRESS COLLECTION CORP (MI)

THIS IS NOT BEING SENT BY AN UNAUTHORIZED THIRD PARTY. On XXXX certified mail was sent to remove all alleged debt reported without my ( the consumers ) consent to XXXX, XXXX and XXXX who then forwarded it to Congress Collection in regards to this alleged debt. The alleged account was then closed as last reported on XX/XX/21 and the balance was reported as {$700.00}. Exhibit is attached. I am filing a complaint ; as my rights have been violated. I am also looking for monetary compensation of no less than the amount of {$5000.00} for the distress it has caused both myself and my family for but not limited to 5 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS. 1. According to the Fair Debt Collection Practice Act I as a consumer have the right to not be violated by the communicating of any credit information that is known or should be known to be false. There is no proof nor validation of this debt. Therefore, it SHOULD be known to be false in accordance with the above. In addition, I have never been presented with any affidavit that would provide validity to neither you nor the alleged debt collectors assessment. 2. According to the Fair Debt Collection Practice Act debt collectors must not use any false nor deceptive/misleading representation. None of the alleged debts have been validated nor represented by the original creditor. And there is reason to believe these alleged debts were sold. If these alleged debts were indeed soldWhere is the proof of the alleged debtors approval? This too is a violation of consumer rights. 3. According to the Fair Debt Collection Practice Act I as a consumer have the right to privacy and my privacy has been breached. According to my credit report, there has been alleged debts published without my permission; using my name and personal information by which to do so. 4. According to the Fair Debt Collection Practice Act I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt. The publishing of this false information has done all of such. It has prevented me as a natural person from my rights to attain both material and physical comforts in order to safely and effectively support myself and my family. It has caused abuse by-way-of embarrassment due to the constant declination I have faced when trying to pursue this said right. It has sabotaged both my name and my creditability. 6. My social security card with its attached number would have had to be used to transact any of the alleged debts listed. Therefore, serving to be yet another violation of my rights as a federally protected consumer.
Consumer complaint received 2021-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America Credit Card website changed their sit payment options. As a consequence, I submitted a payment on XX/XX/2021. This resulted in late fees and interest being assessed to my card unjustly. 
I have submitted a help desk ticket with their IT department. However, the agents said that there is no way to apply the payment to XX/XX/XXXX, and since it was not paid on time, they can not waive the fees. Even though I was able to recreate the issue with the website multiple times, they said there is no way to credit the interest or late fees. 
It should be noted that there were {$720.00} in CREDITS the month of XXXX, so the {$1100.00} was in addition to these payments already made. I was actually paying a month ahead of schedule! 
I should not be held accountable to their inept website 's inability to apply payments properly. 
Operators were XXXX XXXX and supervisor XXXX XXXX ID XXXX.
Consumer complaint received 2021-10-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (CA)

My vehicle was involved in an accident and was deemed as a total loss by my insurance company. This finance company Bridgecrest received the final payoff from my insurance company on XXXX XXXX. To date this company has failed to process the payment and close out this account. I am unable to obtain a new vehicle with this still showing outstanding. I have contacted Bridgecrest more the 7 times and they refuse to assist me with resolving this issue.
Consumer complaint received 2021-10-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Academy Mortgage Corporation (MD)

The loan XXXX XXXX XXXX for Academy Mortgage provided an illegitimate Approval document ( s ) to satisfy FHA contingency on or about XX/XX/21. I immediately raised concern and asked to unilaterally terminate. I was told by my realtor XXXX XXXX and XXXX XXXX that document was legit and I was all set. In good faith i moved forward per their expert advice, however, I soon confirmed that the Conditional Approval document that was provided to satisfy the FHA contingency was not legit. Its not from an underwriter, theres no name on it, not signed nor dated and theres no loan commitment attached. Ultimately the loan was denied for reasons that were already known prior to the denial letter. I kept being told everything was on track. Since I have been business with XXXX XXXX, financially its cost me inspection fees {$1600.00} and an earnest deposit {$3500.00}. I have also invested about {$12000.00} in travel expense trying to secure a home, not knowing the whole time I was going off of " Improper '' documentation from Academy Mortgage. To make matters worse, XXXX and XXXX reached out to me on XX/XX/21 and convinced me to sell my home despite the offer was less than I wanted. There reasoning was the new house at XXXX XXXX XXXX XXXX had XXXX in equity and it didnt make since to lose that for a XXXX gap on the sell of my home. I agreed to sell my home per that discussion on XXXX. The next day XX/XX/21 XXXX informed me that I was denied the loan to purchase the new house for reasons that were already disclosed.

I was denied for lates on my 1st Mortgage which I disclosed that this could be an issue. XXXX informed me that this was not an issue... But " if the issue was to arise once my house sold those lates would not count against me and we could still close. '' I was told worse case scenario, that the closing date on the new house might get pushed a few days but we were fine. I have a lot of information.
Consumer complaint received 2021-10-01
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)

On XX/XX/2021 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. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-11
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)

I have reported discrepancies to several accounts on my credit reports with each reporting agency XXXX, TransUnion and XXXX and they continue to report inaccurate information. This inaccuracies are hurting my credit score.
Consumer complaint received 2021-10-01
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: Phoenix Financial Services LLC (TX)

There is an account reporting on my credit file that I requested the bureaus look into because the balance did not seem correct. After several request and they not trying to help they then reported the accounts with a new open date. It is the same account with Phoenix Financial XXXX in the amount of {$540.00} opened XXXX XXXX that showing on my report as of XX/XX/XXXX now that very same account shows Phoenix Financial service opened XX/XX/XXXX they just re-aged the debt!! This needs to be removed. This is a huge violation with the FCRA!
Consumer complaint received 2022-05-03
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. (IN)

I was in the process of rebuilding my credit and getting my life back on track. I opened a XXXX XXXX account, made my payments on time and at first everything was ok. After 1 year my loan was paid as agreed and I was offered a credit card through XXXX  XXXX. I noticed my credit score had dropped on Transunion only. Upon checking i saw that TRANSUNION was reporting the account as Derogatory, I called XXXX XXXX and they told me it was an error on the part of transunion. My next step was I sent a dispute letter to transunion XX/XX/2022. The results were a simple verified. How is it verified when both myself and XXXX, XXXX is saying different? Other 2 agencies are reporting the account correctly as I will show
Consumer complaint received 2021-12-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

On Saturday, XX/XX/XXXX, my father was unable to cash his check because the teller told him she wouldnt have enough money if more people wanted to cash checks on that day. My father was the first customer of the day and could not get all of the funds he requested. On Monday, XX/XX/XXXX I went into the bank to complete a transaction. The bank had signs up stating the maximum that they could give any person requesting money was {$500.00}. The banks rule States that we can withdraw {$5000.00} per month without any fees.
Consumer complaint received 2022-05-03
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: World Omni Financial Corp. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX violates my rights. 

XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX This account debt number is incorrect as my balance has reduced significantly and they have not updated