davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MN)

My loan was transferred to XXXX Bank for servicing in XX/XX/XXXX. Since then, there have been nothing but problems. The policies and procedures regarding the bank 's automated payment policy have caused me to be late on two payments XXXX in XXXX and XXXX, XXXX ), and pulled a double payment last month XXXX XX/XX/XXXX ). The bank charged late fees on top of those, and credited back one of the two fees. I had originally attempted to sign up for the automated payments, but they did not process the application, and put it into a temporary autopay status, then finally got that resolved a few months later. I worked through the paperwork again in XXXX, submitting everything appropriately, and XXXX did not process it. They sent me a follow up letter toward the end of XXXX saying that I had to resubmit the paperwork. Because I had a payment due XX/XX/XXXX, I made that payment manually. However, it appears that XXXX actually did process my application and pulled my payment in XXXX, causing me to have a double payment. I later received a statement that I wouldn't have a payment due until XX/XX/XXXX, because of the double payment. Though I was not happy with that, I accepted it without complaint. Then XXXX pulled the autopay on XX/XX/XXXX, despite there being no payment due. These sum up a host of bad practices, and XXXX needs to have some accountability in its practices. It's a clear display of incompetence in managing their autopay program.
Consumer complaint received 2022-07-28
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. (CA)

I received a title loan from XXXX for less than {$3000.00} back in XX/XX/2017. I was unable to repay the loan my vehicle was repossessed by XXXX and sold at auction. Now my credit report shows original title loan as 48-month auto loan that it is not and has never been a traditional auto loan. Also, on my credit report XXXX has the status as a charge off and as active with a balance over {$33000.00} simultaneously which is adversely hurting my XXXX XXXX and preventing me from obtaining an FHA home loan.
Consumer complaint received 2022-09-27
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (AL)

At the time filling 2020 taxes no received the XXXX, account was cancelled and discharged for an amount of {$7400.00}. Never notified that was a balance taking interest when the car was sold. IRS auditored and put it like an income.
Consumer complaint received 2019-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Dear Sirs I opened two business accounts with Bank of America in XX/XX/2019. I received a letter last Saturday stating they are closing my accounts. 

The letter stated I have 21 days until the accounts are closed. 

I believe this is against the law and a violation of rules.
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (FL)

Received notice that my feb destiny card was closed and this company fraudulently reported i requested to close it when I never did. Furthermore, they advertise me a card with a higher limit and then tell me bc I had the card I didnt qualify. And dont get me started on their tty overseas reps
Consumer complaint received 2022-10-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC (TX)

Formal Demand for Debt Verification under 15 U.S.C. 1692g To Whom It May Concern, This letter is a formal request for debt verification in accordance with 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I am disputing the validity of the alleged debt that Security Credit Services , LLC claims I owe, and I am asserting my right to demand comprehensive validation of this debt. 

Under 15 U.S.C. 1692g ( b ), you are required to cease all collection activities until you can provide verifiable documentation that substantiates this debt and proves that Security Credit Services , LLC is legally entitled to collect it. As ruled in XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ), a debt collectors obligations under the FDCPA are clear : any alleged debt must be verified with specific documentation, not merely alleged or referenced. 

Verification Requirements : I am requesting the following information as part of the verification process : Proof of Original Creditor : A copy of the agreement or contract with the original creditor that establishes the basis for the alleged debt, along with any supporting documentation of the debts origin and chain of ownership. 
Evidence of Legal Authority : Documents confirming that Security Credit Services , LLC has the legal right to collect on the alleged debt, including any contracts or assignments authorizing this collection. 
Account and Payment History : An itemized statement reflecting the full amount claimed, any fees or interest charged, and the calculation of the total alleged debt. 
If Security Credit Services , LLC fails to provide the required verification within the legally mandated period, I will consider the debt invalid, and all collection activities must cease. As clarified in XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ), debt collectors are prohibited from pursuing collection efforts or reporting debts to credit agencies without first establishing validity. 

Notice of Further Action : If the requested verification is not provided, or if there are further collection attempts without proper validation, I will pursue all available remedies to protect my rights, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Additionally, any negative information reported to credit bureaus will be considered a violation of the FDCPA and subject to legal action. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-02-04
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Capital One. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$440.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

XXXX took over a 2 old XXXX XXXX account. CRA continues to say that the information is correct and it is not. The accounts were charged off in XXXX ; however, the account history doesnt show any payments from 7 years ago. It starts in XXXX This loan was opened in XXXX. 

I have requested that the CRA not use e-Oscar system and provide last date of delinquency. This account should show all payments from XXXX until XXXX. The loans were both opened in XXXX. My grandmother is also a borrower and co-borrower and her name is XXXX XXXX. The account needs to be updated to reflect the payments. If not, it needs to be removed immediately.
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I received a letter in XXXX 2020 about Covid Relief program through Bank of America. At that time, my renters were unable to pay their rent which covers my mortgage payment on my rental property. I was not given the correct information from Bank of America that this program would put my loan into forebarance. I recently tried to refinance my current home and was told I would not be able to for 12 months because of the BOA forebarance. I have tried to work with BOA to get that removed from my credit as I was not informed it was going to affect my credit. I did not need that program and now I am unable to refinance due to being mis-lead.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Please Help on XX/XX/1922 I called Equifax to verify if they have received the documentation attached from XXXX XXXX XXXX XXXX and the agent stated that she have documentation that verified this unauthorized inquiry. At this point this is proof that the credit reporting agencies refuses to reporting with grave fairness. How do I have a letter from the company stating that they put in a electronic request to have this item removed and the agent from Equifax is telling me something else and stating that this inquiry is to remain on my credit file? Equifax is disregarding the laws and procedures of The Fair Credit Reporting Act.There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I would also like to add that I asked the agent have they received a request and she stated that she is unable to check that but she is able to check to see and that they never received this documentation. I requested to speak with a supervisor and he stated the only way to removed this fraudulent inquiry was to provide them with a FTC report. XXXX ID number XXXX also stated that a letter from the company requesting the credit application deleted from my personal credit file is not good enough. The only way to get it removed is to provide a FTC remove.
Consumer complaint received 2019-04-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (FL)

XXXX XXXX XXXX recently reported a {$460.00} collection account on my credit report. Prior to this account appearing on my report, I did not receive a notice of my right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act.
Consumer complaint received 2021-05-28
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. (IL)

I checked my credit report there are accounts under a Bankruptcy that I have never filed. I sent a letter asking Experian, XXXX, and XXXX  to provide a method of verification for these accounts. The letter came back that the courthouse provided them with information, I contacted the courthouse and the courthouse sent verification to me providing the information is inaccurate and false. I sent the letter to Experian, XXXX, and XXXX  showing the information they have is false and not true, they provide no information to any credit bureau. According to the FCRA its against consumer rights to report false, inaccurate, and incorrect on someone's credit report. This information is inaccurate and needs to be deleted and removed.
Consumer complaint received 2023-08-31
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. (AZ)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2019-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

A debt collection agency, by the name of Portfolio Recovery Associates, LLC., has been trying to collect on a XXXX XXXXXXXX account from a credit card I had a couple of year 's ago. The account was closed after an investigation was made based on Identity Theft after an individual manipulated me and further embezzled funds on or around XX/XX/2017. I thought the fraudulent items were going to be reversed after I spoke with one of their representatives a month later since I noted on my bill that the additional transactions in question were still included as part of the total amount owed. I disputed the accuracy of the amount owed with the collection agency, as well as furnished them with the aforesaid information, and they are unwilling to contact XXXX XXXX regarding the dispute. I just contacted XXXX XXXX ( in order to furnish the debt collector with a letter attesting such indicents ) and they mentioned to me that they have no information showing that an investigation was made ( which seems suspect to me ).
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/2021 I received a check from my mortgage company for {$670.00} for escrow account overpayment. They also informed me that my escrow payment would increase by over {$24.00} per month. This did not make sense so I contacted the lender and while their representative was very patient and polite said they could not change the increase and referred me to their mortgage refinance office. I called that office the following Monday ( XX/XX/2021 ) and after being on hold for 48 minutes I had to hang up. I recalled again today ( XX/XX/2021 ) and have been on hold for 1 hour and 15 minutes so far. They are by this action refusing to take calls from clients. I want to refinance my mortgage at the current lower rates but they will not speak to me. I am a XXXX XXXX and believe they are purposefully targeting seniors for abuse. Please help. 
Thank you.
Consumer complaint received 2020-11-18
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. (TX)

I have disputed several accounts from my credit report withXX/XX/XXXX, XX/XX/XXXX, and Transunion. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020
Consumer complaint received 2022-09-27
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. (CA)

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 am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed account. If they are unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$28000.00} Late/Open Late Date XX/XX/XXXX
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX took over a 2 old XXXX XXXX account. CRA continues to say that the information is correct and it is not. The accounts were charged off in XXXX ; however, the account history doesnt show any payments from 7 years ago. It starts in XXXX This loan was opened in XXXX. 

I have requested that the CRA not use e-Oscar system and provide last date of delinquency. This account should show all payments from XXXX until XXXX. The loans were both opened in XXXX. My grandmother is also a borrower and co-borrower and her name is XXXX XXXX. The account needs to be updated to reflect the payments. If not, it needs to be removed immediately.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (VA)

In XX/XX/2019 I went into a local dealership to lease a vehicle and was persuaded to finance instead. 

Santander was the financing company. The interest was so high with a monthly payment of over {$800.00}. 
I figured later that I was trapped. 

I later found out that there were several others having the same issues with Santander USA and that there was a lawsuit settlement against them. 

I had found out that based on the terms and requirement of the case I would be qualified as part of the settlement. 
I reached to them by mail and had gotten no response to date. They however have since repossessed the vehicle and reported me to the credit bureaus. 
My credit is completey burdened by this and all I'm seeking at this time is a little assistance in getting some justice.
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (IL)

On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2022-10-17
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 — Their investigation did not fix an error on your report
Company: TekCollect Inc. (CA)

Sent in notices about inaccuracy of my credit file in XXXX and XXXX of XXXX. Last correspondence was sent via USPS and is attached to this complaint.