davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-14
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. (MI)

My car got was in an accident and was destroyed. Ally sent me a bill with a date of XX/XX/2020 ). I paid online through my bank on XX/XX/2020. Prior to receiving my payment, and not even a month after sending the bill they put it as a " charge off ''. They sent a notice saying I was paid in full but did not retract the charge off and it has destroyed my credit. I tried fixing this with XXXX and XXXX and am getting nowhere. Please see attached documents.
Consumer complaint received 2020-10-14
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. (VA)

Because I am submitting this to all bureaus I am utilizing the CFPB. I wish to have a personal statement added to my report. I am doing this due to issues I encounter with each.
Consumer complaint received 2020-10-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XXXX I refinanced a mortgage that was previously mortgaged with Bank of America ( BOA ).  On XXXX my title company received confirmation that BOA had received the funds for payoff. 

The payoff statement that BOA had sent showed a negative balance in the escrow account ( {$910.00} ) due to the fact that BOA had paid out four annual insurance payments right before the account was closed. Two payments have since been returned to BOA. 

I have called multiple times trying to get this straightened out. I have sat on hold for more than 10 hours trying to reach someone. These attempts have resulted in getting multiple people that can't help, get disconnected while they try to transfer me to the correct person, or finally get a message that states " The office is not closed. Please call back during regular business hours. '' On XXXX I spoke to XXXX who told me they had no record of a payoff. I then gave her the XXXX and XXXX for the wire transfer. On XXXX, I did reach XXXX in Georgia who informed me that a check would be mailed by XXXX. On XXXX I spoke to XXXX and XXXX both who couldn't help me and then was disconnected due to the office closing. XXXX I called and spoke to XXXX and got disconnected. XXXX after calling and sitting on hold three separate times was disconnected, I finally reached XXXX in Florida, who transferred for me to XXXX in XXXX, Florida and ultimately was disconnected. XXXX did tell me a check was mailed. As of today ( XXXX ), I have not received a check but did receive an " Escrow Activity Statement '' in the mail that indicates that a refund was issued on XXXX. I tried to call BOA again and after sitting on hold for some time, I finally had to hang up. BOA did send me an " Sorry we missed your call '' email which directed me to log into my account and send a message via their secure messaging BUT I no longer have an account and can not log in since the account is closed. 

Any help you can possibly give me would be greatly appreciated.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested my credit report through XXXX XXXX XXXX   XXXX  to the 3 Credit Bureaus and after responding all the correct answers, it was denied. Each year its the same issue.
Consumer complaint received 2020-10-14
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: AMERICAN EXPRESS COMPANY (TX)

I report my Amex card lost in XXXX and then also dispute fraudulent charges as well on my account. 

A dispute was report for the lost card XXXX XXXX travel Was fraudulent and I didnt travel out of XXXX in 2017 around XXXX or XXXX to XXXX never been to XXXX but Amex continued to charged me {$12000.00} interest on this charge on top of my outstanding. 

I have numerous times and they explanation just take out the {$12000.00} out of it and not remembering that they have compounded the interest on top of the fraudulent charge to XXXX. 

I also want to note that my XXXX XXXX XXXX never signed up for any Amex card. Why is it being false reporting on my credit. XXXX XXXX XXXX its an incorporation business and never signed up for an Amex card. 

I XXXX XXXX personal owned an Amex card which got stolen and Not the XXXX XXXX XXXX business. 

XXXX XXXX has now had damages to its credit line for the false reporting claims against it and have been discriminated against by banks because of this law suit.
Consumer complaint received 2020-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.
Consumer complaint received 2020-10-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

In response to my last 3 complaints XXXX, XXXX, XXXX, Experian responded Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request So I am asking now, what proof of Identification does Experian need to take action per my request? And take in consideration that I am homeless at this time so a utility bill is not a option unless they want an outdated one, and I do not want direct contact with Experian, I want everything going thru CFPB because Experian have proven they are not willing to be fair or impartial in their investigation. I have stated numerous times that I XXXX XXXX is initiating this complaint and no one else is doing this on my behalf.
Consumer complaint received 2020-10-14
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)

XX/XX/2020 FIRST ATTEMPT/LETTER SENT : XXXX placed INACCURATE and INCOMPLETE information on my EXPERIAN credit report as open in my legal name. XXXX XXXX XXXX   placed INACCURATE and INCOMPLETE information on my EXPERIAN credit report as open in my legal name. XXXX placed INACCURATE and INCOMPLETE information on my EXPERIAN credit report as open in my legal name. EXPERIAN claims an investigation was done and received a signed contract from with my signature on it. This is not true and still false information remains on my credit report. XX/XX/2020 XXXX ATTEMPT/LETTER SENT and I called to dispute these accounts and Experian refused to file my dispute and advised I contact CFPB. XX/XX/2020 XXXX REQUEST to see Verifiable Proof ( an original My Consumer Contract with my Signature on it ) placed on file of the accounts listed before. EXPERIAN failed to positively verify these accounts and has hurt my ability to obtain credit. XX/XX/2020 FINAL LETTER/PENDING LITIGATION According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), CRA are required by federal law to verify - through the physical verification of the original signed consumer contract - any  and all accounts you post on a credit report.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

1. XXXX XXXX is showing my closed/deactivated phone service as " Collection/charge off '' and I am getting harassing calls from debt XXXX. 

This information is incorrect. The following is accurate : XXXX. I reported my phone as lost/stolen to XXXX 2. My phone had insurance purchased at the XXXX XXXX XXXX. I filed the lost/stolen claim at the XXXX store 4. The verizon store manager personally confirm that i had purchase insurance 5. Claim was disputed by insurance provider - reason not provided 6. I escalated with Insurance provider - assured me that claim would be " accepted '' 7, I cancelled phone service 8, I  enrolled with another service provider XXXX. XXXX and debt collector started harassing phone calls to my cell phone
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I requested my credit report through XXXX XXXX XXXX XXXX to the 3 Credit Bureaus and after responding all the correct answers, it was denied. Each year its the same issue.
Consumer complaint received 2020-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Despite two written requests and speaking with Transunion customer service, the unverified items listed below still remain on my credit report in violation of Federal Law. Transunion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.Transunion have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore Transunion have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Transunion is required to ... promptly DELETE all information which can not be verified. 

5 Inquiries XXXX  XX/XX/2019 XXXX FINXXXX XXXXXX/XX/2019 XXXX- XX/XX/2019 XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2020-10-14
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)

THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX   XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-10-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (IL)

I continue to receive written refinance offers from my current loan services NewRez. The offers they are sending are not being honored when I follow the steps in the mailer. The latest offer was to reduce my interest rate from 4.75 % to 2.875 % with the same XXXX remaining term. When I call with my reservation number XXXX they tell me they did not account for the fact that the property is an investment ( non-owner occupied ) and they will not honor the terms of the offer. 

I have received at least 4 offers like this from NewRez in the past 6 months all with the same false advertising. I believe since they own the servicing for my loan and have the parameters on the file ( it was originated as a XXXX property ), they should be held account for their marketing and honor the terms offered.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

1. XXXX XXXX is showing my closed/deactivated phone service as " Collection/charge off '' and I am getting harassing calls from debt collectors.

This information is incorrect. The following is accurate : 1. I reported my phone as lost/stolen to XXXX 2. My phone had insurance purchased at the XXXX store XXXX. I filed the lost/stolen claim at the XXXX store 4. The XXXX store manager personally confirm that i had purchase insurance 5. Claim was disputed by insurance provider - reason not provided 6. I escalated with Insurance provider - assured me that claim would be " accepted '' 7, I cancelled phone service 8, I  enrolled with another service provider XXXX. XXXX and debt collector started harassing phone calls to my cell phone
Consumer complaint received 2020-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Manhattan Beach Venture, LLC (IL)

I took out a series of student loans over time beginning from XXXX to XXXX. During those timeframes, some of the schools closed, loan offices closed, companies failed to honor my requests for appeals, my work, unemployment and income taxes both state and federal were garnished! I have no paperwork from anyone! I have requested copies of the paperwork! I dont have access to my own internet or phone due to COVID! I have continuously tried to get this information! Have the correct information reported to the credit bureaus and to be used a refund with interest and back pay effective immediately!
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom

It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6800.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNTS 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 2. XXXX/XXXX   with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$6800.00} -This is not my account.
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MN)

On XX/XX/XXXX, XXXX XXXX XXXX charged my AMEX Serve Card somewhere to the of $ XXXX {$160.00} for a phone order. However, the order with XXXX XXXX XXXX was cancelled and they cancelled the hold on the card. The hold disappeared, but the money was never actually added back into my balance at all. It literally just disappeared. I called AMEX and the rep explained to me that XXXX XXXX XXXX only held {$1.00}, which was added back to my balance. I know with absolute resolve that this is not the case. I'm not out at least {$120.00} ( if not more ) because AMEX simply took the money ; it vanished. I have already spoken with XXXX XXXX XXXX at length about this, and I was advised this is not the first time they had seen this with an AMEX prepaid product.
Consumer complaint received 2020-10-14
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. (VA)

On XX/XX/2020, I accurately and completely filed an identity theft report with the FTC, report number : XXXX. 

I immediately ( via certified mail, return receipt ) notified the credit bureau of the following account not belonging to me, and the federal law requiring that it be immediately blocked due to identity theft : XXXX XXXX. Account Number : XXXX In accordance with 605B of the FCRA , the credit bureau should have blocked this item from appearing on my credit report within four days. They have failed to do so.
Consumer complaint received 2020-10-14
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. (VA)

On XX/XX/2020, I accurately and completely filed an identity theft report with the FTC, report number : XXXX. 

I immediately ( via certified mail, return receipt ) notified the credit bureau of the following account not belonging to me, and the federal law requiring that it be immediately blocked due to identity theft : XXXX XXXX. Account Number : XXXX In accordance with 605B of the FCRA XXXX the credit bureau should have blocked this item from appearing on my credit report within four days. They have failed to do so.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I have request that my freeze be removed permanently XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX OH XXXX DOB :XX/XX/XXXX S.S. # : XXXX I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please REMOVE any and all security freezes at once.
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TIDEWATER FINANCE COMPANY, INC. (CA)

I purchased furniture from XXXX XXXX XXXX in XX/XX/2020 using their credit service from Tidewater Finance Company. Upon receiving my first bill, I set up auto pay through my financial institution and have paying this way ever since then. In XX/XX/2020, I got a phone call from Tidewater saying they had not received my XX/XX/XXXX payment, perhaps it was just lost in the mail. I simply adjusted my XX/XX/XXXX payment for double what I usually pay ( which is significantly more than the regular payment amount ). I didn't want to go over 30 days late so I was closely monitoring the Tidewater 's website to make sure my payment posted this time. On XX/XX/XXXX I still hadn't seen my payment post so I made an online payment for the same amount as the bill pay check. On XX/XX/XXXX, both the online payment and bill pay check cleared my account, a total of {$1000.00} ( my original required payment was roughly {$200.00} ). At this time, I logged on to Tidewater 's website to make sure the payments were reflecting in my account and neither of the two {$530.00} payments were reflected. I immediately called and spoke to a representative and was told that they were switching their system and to give it a few days to reflect. As of XX/XX/XXXX, neither payments were reflecting in my account. My bill pay was set up to send another {$260.00} payment XXXX my usual amount I send ) for the XX/XX/XXXX due date and to this day, XX/XX/2020, none of these payments are reflecting in my account. Every time I call I get different answers. They don't know " who cashed these checks '' even though I've sent them my bank statements, several cleared checks, etc. I have now received a hit to my credit saying that I was 30 days late on my payment and it dropped my credit score XXXX points on each of the three reporting agencies.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$23000.00}, {$8900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account.