davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (CT)

Selene is the 2nd mortgage on this property. The 1st mortgage is with XXXX and has a foreclosure date set for XX/XX/21 that was postponed from XX/XX/21. 

On XX/XX/21 a short sale offer package was submitted to Selene. This offer would pay off the 1st mortgage with XXXX in full and provide quite a bit of funds to Selene toward their mortgage balance. If nothing is done XXXX will complete the foreclosure and likely eliminate Selene off the title with no or very little funds going to Selene. 

I have called every few days since XX/XX/21 and told numerous times that there are no notes on the file and reps pointed out the XX/XX/21 foreclosure date. Each time I pointed out the foreclosure date was XXXX 's date not Selene 's and that it had been postponed. 

Numerous times I am told that internal messages have been sent to the short sale dept to get back to me. I receive no calls or emails. 

Now I am told that on XX/XX/21 a letter went to the homeowner stating a short sale could not be approved because foreclosure is too close. Since CFPB regulations state that the servicer is to make a good faith effort to review a workout request if it is received more than 37 days prior to a scheduled foreclosure date, then this emails states that either Selene is ignoring those regulations and has failed to notate the correct foreclosure date. 

As of today XX/XX/21 Selene 's representatives tell me their system does show the foreclosure is in XXXX. So there is clearly enough time for Selene to review this offer for the homeowner.
Consumer complaint received 2021-11-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

In XXXX and XXXX of 2020 I was terribly sick with XXXX, it took me out of commission for 3-4 weeks. For 3-4 weeks I was bedridden, I had to take time off from work and couldn't do much of anything. I thought I had set all of my bills to autopay and that my XXXX Car lease bill was on autopay as well. However in XXXX of 2020 I was contacted by XXXX and they said the lease payment was past due, however I the representative from XXXX told me that if I made the payment with her over the phone it would not be reported late to the credit bureaus. I made the payment with her over the phone, but in the months that followed I did see it reported as late on my credit report. I have tried to resolve this situation with XXXX and the credit bureaus but no one seems able to help me. The XXXX XXXX XXXX car loan has already been paid in full.
Consumer complaint received 2021-11-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX and XXXX of 2020 I was terribly sick with XXXX, it took me out of commission for 3-4 weeks. For 3-4 weeks I was bedridden, I had to take time off from work and couldn't do much of anything. I thought I had set all of my bills to autopay and that my XXXX Car lease bill was on autopay as well. However in XXXX of 2020 I was contacted by XXXX and they said the lease payment was past due, however I the representative from XXXX told me that if I made the payment with her over the phone it would not be reported late to the credit bureaus. I made the payment with her over the phone, but in the months that followed I did see it reported as late on my credit report. I have tried to resolve this situation with XXXX and the credit bureaus but no one seems able to help me. The XXXX XXXX XXXX XXXX XXXX has already been paid in full.
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX and XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on the BANK OF AMERICA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-11-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: GreenSky, LLC (MN)

On XX/XX/XXXX, We had XXXX XXXX and heating out to check our furnace. He found that we needed a new hot water heater, and we went ahead and also had him install a new water softener. He told us we could apply online for financing thru Greensky. I typed in the exact amount of XXXX needed for financing. We were approved. Just got the paperwork from Greensky today, It states that they had approved us for a line of credit up to {$12000.00}! .We NEVER gave our approval for them to open a line of credit to us, we were NEVER told by XXXX that this was a common practice by Greensky . I called Greensky to ask what was going on and they would NOT give me ANY info on the account as it is in my husbands name only, and my husband is out of town. I was concerned that a payment may be due and can not access the account online, which she wouldn't help me with either. Our concern is that with this unauthorized line of credit, our credit will suffer. We have impecible credit scores and want to keep them that way. I have just read on CFPB in XXXX, XXXX, Greensky has been practicing this unlawful act of securing unauthourized lines of credit and actions have been enforced upon them to STOP, but we can assure you, that they are still unlawfully practicing the same way as I have the paperwork to prove it! We feel that XXXX holds responsibility in this also.
Consumer complaint received 2021-11-03
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: ALLY FINANCIAL INC. (GA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with ALLY FINANCIAL XXXX Balance -. I have always made my payments on time yet there was a 60-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. There was definitely an error on their part. The bureau is condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I just checked my credit and noticed a closed account for Neiman Marcus and show an adverse report for {$950.00} that showed it was paidXXXX. I have always paid on time. I have had absolutely no adverse payment history with NEIMAN MARCUS. I am respectfully requesting this discrepancy be corrected as soon as possible. Thank you.
Consumer complaint received 2021-11-03
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. (NE)

XX/XX/2021 : XXXX XXXX. I tried to purchase a air ticket through XXXX XXXX. But I received an email saying my payment did not go through. I used my newly opened Citi Credit card and a gift card received through employer. 
Credit card charge was {$2300.00} and Gift card was {$250.00}. Upon calling XXXX XXXX, the first person told me, there was an issue with the gift card and the CREDIT card transaction went through. She matched the gift card and pin and said I entered all the information Correctly. She said the other transaction will fall off on its own and she is going to retry charging the credit card which was obviously denied because i already had a pending charge of {$2300.00}. Upon trying multiple times to resolve it with XXXX XXXX saying i have a bad credit card. 

My credit card has a {$4000.00} limit. I called Citi to confirm that the first transaction went through and which is why the subsequent transactions were getting denied. Without being able to resolve it, and after at least 4-5 hours on phone call, i asked them to cancel the ticket and hoped that the transaction would fall off. 

Today is XX/XX/XXXX and I still have the pending charge of {$2300.00}. In the meantime, i tried calling both the merchant ( XXXX XXXX ) and CIti ( the credit card company ). They both blame each other and say we can not do anything. You have to wait 30 days.
Consumer complaint received 2021-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Network Inc (CA)

I am submitting this complaint because I am being extremely affected by FINANCIAL CREDIT NETWORK , INC. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I was overbilled and I was not given proper notices despite letting XXXX XXXX XXXX  know my new address : Your collection company harassed me and called me at odd hours and did not stop calling after I told the customer service reps not to call. 

My account is : Account Information : Date Opened : XXXX XXXX, 2015 Balance : {$0.00} Type : Collection Account Solution : Deletion account from all credit bureaus.
Consumer complaint received 2021-10-22
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. (TX)

I have been trying to resolve the unauthorized inquiries from the credit bureaus since XX/XX/XXXX. I have requested full validation and asked the credit bureaus to send me proof such as my signed authorization permitting the inquiries. They have not provided. All I get back from the credit is that my credit report is " update and as factual ''. How is this proof? I need proof as these inquiries were not authorized by me. Here are the unauthorized inquiries in question : 1. XXXX  XXXX  Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 2. XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 3. XXXX XXXX AUTO FIN Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 4. XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 5. XXXX XXXX All Banks- non specific Inquiry date : XX/XX/2020 2020
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) 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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from 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 Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On XX/XX/XXXX my vehicle was robbed. My wallet was stolen including my Id and debit cards to TCF BANK. That very weekend the bank was merging to Huntington bank. I called immediately to TCF and reported cards stolen and wanted everything frozen including business checking and savings account. Somehow within the merge between the two bank the locks did not fully lock my accounts. The thief used my Id and went into multiple banks in XXXX XXXX, IL and XXXX XXXX, IL and took out large withdrawals and cashed fraudulent stolen checks made payable to me. They apparently went through a drive through and cashed a XXXX $ dollar check ( through a drive through ) made payable to me, which I wasnt even aware you were able to take that kind of money out through a drive through. Then 5 minutes later the thief went in same bank and took out XXXX $ cash with-drawl with the same teller. I was told they then went to another bank and cashed XXXX $ fraudulent check. Totaling XXXX . I reported the cash withdrawl immediately on Thursday XX/XX/XXXX when I seen it ( because that was only transaction that showed up on my account since the checks had not cleared yet ) and was in shock how all this could happen when my accounts were supposed to be flagged and locked. When I went into the branch in XXXX IL and they started looking into it, this is when they found out about the fraudulent checks cashed as well. The workers at Huntington bank in XXXX, IL assured me my money would be refunded and they would take care of it. Fast forward 3 1/2 weeks later and they still have no answers for me and still have not refunded my money. They have left me at a dead end and when you try and call corporate no one gets back to you. I feel as though Huntington is not trying there best to help me and refund my money. They just let someone come in to multiple branches and take money out my account and did not verify good enough that this person was indeed me. Also there security within the merge was obviously not planned out well enough, that Huntington Bank even claims they have no access to notes or things that TCF did on my account! How is this even possible when they merged over? They should have access to everything. Very very unprofessional. When people are supposed to feel safe and secure keeping money at the bank, they make you feel the complete opposite.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (GA)

Hello, I see I was penalized with 2 late payments at the beginning of this year. Unfortunately, I was going through financial hardship dealing with Covid-19. During XX/XX/2021 and XX/XX/2021. As you can see, I have perfect credit payment history beyond those 2 months.
Consumer complaint received 2021-11-03
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 (CT)

Bank of America talked me into getting an interest free card and balance transfer my other bank of America card.They never closed the old card. I had a propane delivery and didn't know they used the closed card. I had about 5 late fees in a row. They never called me and my credit score was over 800. I took a big hit before I realized what was happening.
Consumer complaint received 2022-07-15
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$41.00}.
Consumer complaint received 2021-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Hi, this is XXXX XXXX, XXXX # XXXX. I sent you a letter on XX/XX/2021 and I was told that I was supposed to get an answer from you but to this date, over 30 days have passed, I still havent heard back from you. Someone told me to go to this website to follow up attaching the copy of the very same letter I sent you. I heard that it is a violation to ignore a dispute letter so I hope you wont delay this matter any further. I need this inaccurate and misleading information cleared off. I am fully aware of what I have on my report and what I should not have and the information I listed on my report are all mistakes. please investigate this matter immediately!
Consumer complaint received 2021-11-03
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. (CO)

On XX/XX/2021 I sent a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded with a letter stating that they " verified '' this item thru USBK Court of Colorado. I contacted the US Bankruptcy Court of Colorado directly to dispute the item in question and they replied in writing that they do not report or send information to any websites, internet search or credit reporting agencies. I then went back to Transunion and showed them the letter from the US Bankruptcy Court of Colorado and still no verification. The letter stated that they do not report or work with any credit bureau to verify this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is preventing me from the access to purchase a home and causing me hundreds more in interest every year. I have tried to provide everything possible to Transunion to resolve this issue I also sent proof that this was deleted from my XXXX XXXX report as well due to being unable to verify as well. I have still gotten no where but the same result and information no proof. On XX/XX/2021 I received a letter from Transunion stating that they reinvestigated and account is verified as accurate. Again they have not provided me any proof of where they are verifying this information from once again. They again have provided the same response after my initial complaint. This item needs to be deleted from my credit report if it can not be verified within 30 Days.
Consumer complaint received 2021-11-03
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. (GA)

XXXX IS REPORTING INCORRECT INFORMATION ON MY ACCOUNT WITH XXXX PERSONAL INFO IS INCORRECT, SHOWS SOMEONE ELSE SSN NUMBER AND ADDRESSES DO NOT BELONG TO ME. UNDER PUBLIC RECORDS SHOWING BANKRUPTCY THAT DOESNT BELONG TO ME, UNDER COLLECTIONS THERE ARE 3 ACCOUNTS THAT DOESNT BELONG TO ME, UNDER HARD INQUIRIES THERE ARE 22 INQUIRIES DOESNT BELONG TO ME, UNDER OPEN ACCOUNTS THERE ARE 3 OPEN ACCTS AND 4 CLOSED ACCTS NOT MINE AND UNDER OTHER ACCOUNTS 1 ACCOUNT DONT BELONG TO ME. ENTIRE DOESNT BELONG TO ME. I CALLED XXXX AND SENT PROOF OF DOCUMENTS SHOW PRINT OUT OF MY ENTIRE XXXX CREDIT REPORT, SSN CARD AND ID CARD. CALLED 5 TIMES TO GET THIS RESOLVED, WAS TOLD IT WILL BE ESCALATED TO ANOTHER DEPT AND STILL NOTHING TO THIS DAY AND ITS STILL SAME ON MY ACCOUNT NO CHANGES. XXXX SAID THEY WOULD DELETE INFO IF I SENT MY DOCUMENTS IN VIA FAX AND STILL NOTHING. HERE ARE MY DATES- CHECKED MY REPORT XX/XX/XXXX MY INFO WAS NORMAL PULLED REPORT NEW REPORT/NEW UPDATE HIT ON XX/XX/XXXX SOMEONE INFO WAS REPORTING ON XX/XX/XXXX CALLED XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX FAXED DOCUMENTS XX/XX/XXXX
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (TX)

Ability Recovery Services , LLC has been violating me as a consumer under the FDCPA as follow : 15 U.S.C 1692b ( 2 ) - ON XX/XX/2021 ABILITY RECOVERY SERVICES , LLC STATING THAT I OWE A ALLEGED DEBT. 
15 U.S.C 1692c ( 1 ) - ON XX/XX/2021 ABILITY RECOVERY SERVICES , LLC DID NOT HAVE PERMISSION TO CONTACT ME. 
15 U.S.C1692d ( 2 ) - I DID NOT LIKE ABILITY RECOVERY SERVICES , LLC TONE WHEN I READ THE LETTER IN THE MAIL.

15 U.S.C 1692d - ABILITY RECOVERY SERVICES , LLC IS ADVERTISING MY DEBT TO COECRE PAYMENT OF THE DEBT ON MY CONSUMER REPORT. 
15 USC 1692B. ( 5 ) - ABILITY RECOVERY SERVICES , LLC IS ARE USING LANGUAGE AND SYMBOLS TO INDICATE THAT THEY ARE IN THE DEBT COLLECTOR BUSINESS. 
15 USC 1692g- FAILED TO SEND ME THE REQUIREMENTS/ABILITY JUST SEND ME A CONTRACT. DID NOT GIVE ME ENOUGH INFORMATION TO VALIDATE A DEBT.

15 USC 1692k - ABILITY RECOVERY SERVICES , LLC NEEDS TO COMPENSATE ME FOR RUIN MY CONSUMER REPUTATION AND MY FINANCIAL INJUry. 

ALSO, THEY ARE SAYING THE XXXX IS THE Original creditor but in reality, I am the original credit according to 15 USC 1602 ( f ) and I do not owe this alleged debt. See attachments for proof that Ability is in violation of FDCPA and Affidavit of Truth was sent to Ability recovery services.
Consumer complaint received 2021-11-03
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. (IL)

XX/XX/XXXX EXPERIAN XXXX XXXX XXXX Hello EXPERIAN, Recently I received a copy of my credit report and found several incorrect accounts. I am certain that these inaacuracies are adversely affecting my credit scores and costing me severe damages to my finances every year. 

Here are the accounts that I want verified as accurate US BKPT CT IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 120 DAYS LATE XXXX XXXX XXXX XXXX XXXX CLOSED ( WAS NEVER THE COSIGNER ON THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX CLOSED XXXX XXXX XXXX CLOSED U S DEPT OF ED XXXX I am sure you are aware that my rights under the provisions of Section 611 of the Fair Credit and Reporting Act of 1970 are clear and I demand these accounts be removed from all current and future credit reports. 

Also please send me the contact information of any individuals and or organizations you reached out to so I can follow up with them directly. 

I shall assume that 30 days constitutes reasonable time for your company to investigate these accounts. 

I believe that under Section 611 it is clear that your failure to investigate these accounts within 30 days constitutes a reason to promptly permanently remove those items from my credit report.