davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (KS)

This is the second time I am submitting this complaint because it was not resolved the first time. Here is the info again : BSI Financial Services failed to disburse payments from our escrow account and we received a delinquent tax notice stating our real estate taxes hadn't been paid. Upon further investigation it appears that BSI did not disburse payments for taxes. I called BSI this morning ( XX/XX/XXXX ) and after they tried to blame me for the funds not being disbursed, I finally got them to admit fault and submit the payment. I asked for something in writing saying that they failed to disburse the funds on time and that we made all payments to BSI on time so that I could use that to make a dispute with the credit bureaus if this ends up on our credit report. They refused and said there was nothing that they could provide. They did say that they were going to make the tax payment right away but I haven't received confirmation stating that they have been paid yet. Specific dates : XX/XX/XXXX : We closed on our home through XXXX XXXX XXXX. 
XX/XX/XXXX : We received a notice from XXXX XXXX stating that our mortgage had been sold to XXXX XXXX from XXXX XXXX, XXXX effective XX/XX/XXXX. XX/XX/XXXX : We received a letter from BSI with information for our payment options stating that our payment was due on XX/XX/XXXX. We mailed a check for that payment on XX/XX/XXXX. We set up automatic withdraw for future payments and received a notice saying they had successfully been set up on XX/XX/XXXX with the first payment date being XX/XX/XXXX. We made the XXXX Payment online and the XXXX payment was drafted on the XXXX as promised. all payments have been paid on time. The payments show they are collecting for Principal, Interest, Taxes, and Insurance. 

The company responded with a letter stating that the payment for taxes had been made. This is not what I requested. The response letter did not state that BSI was negligent in disbursing escrow funds on time which led to the delinquent tax notice. It also needed to state that all future escrow disbursements will be made on time. 

Having delinquent taxes appear on my credit report can be harmful to my financial success in the future. BSI stated in their letter that " The timing of that tax disbursement will not influence at all anything that BSI reports to the credit bureaus. '' BSI does not report delinquent taxes to the credit bureaus. The government agency collecting the taxes does. Having a letter stating that BSI doesn't report delinquent taxes to credit bureaus will not help me dispute the delinquent tax payment with the credit bureaus should it appear on my report. Having a letter stating that BSI was negligent in disbursing escrow funds on time which led to the delinquent tax notice will help with a dispute.
Consumer complaint received 2020-07-06
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

XXXX XXXX and their collection agency XXXX have claimed that I owe them {$340.00}. I have never had service with XXXX, I have never lived in an area that XXXX has provided a service, and I have never received a bill from them. They have negatively affected my credit and have refused to remove a derogatory entry on my credit report.
Consumer complaint received 2022-02-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have sent numerous letters asking for validation and have yet to receive proper documentation to validate the alleged accounts. These accounts are hindering my ability to receive a well-deserved promotion in my career. Please provide proper validation or remove the alleged accounts immediately. Thank you!
Consumer complaint received 2020-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE INQUIRIES GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE INQUIRIES ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

The " Personal Statement '' on my Experian account properly contains an " ID Fraud Victim Alert '' and states, " Do not extend credit without first contacting me personally and verifying all application information ''. It then provides two phone numbers. One is accurate -- it is my current mobile phone. The other is a former work number. I left that position over three years ago but the employer could still activate the number. I want to have that number removed. 

Experian 's website says that this information can not be changed via their website and provides the phone number XXXX to request the change. Calling this number provides a dead-end voice-response that has no relevant option and which eventually hangs up on the user.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX by balance with Bank of America Credit Card was {$1600.00}. I paid this balance in full on XX/XX/XXXX and was not expecting to see any additional charges. Bank of America sent a new statement claiming I owed {$16.00}. On XX/XX/XXXX I contacted them via phone at XXXX and spoke with a gentleman by the name if XXXX . He would not provide me his last name. XXXX said the {$16.00} was for interest accrued since XX/XX/XXXX. I explained I my intentioned on XX/XX/XXXX was to pay the balance in full which I had done. I asked if the {$16.00} could be removed from my account and XXXX said, " No, the balance would need to be paid ''. I asked to speak with his supervisor or someone else that could help me and was told no one else was available. XXXX did take my number down and said he would have someone call me but also expressed that the balance of {$16.00} would still need to be paid. 

If I understand the Credit Card Act of XXXX, credit card companies were banned from double-cycle billing. If that is the case, then Bank of America is not honoring the new guidelines by still attempting to charge their clients interest even after a balance has been paid in full. 

Ref : Bank of America XXXX XXXX XXXX Mastercard Card - XXXX
Consumer complaint received 2020-07-06
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. (NY)

All 6 accounts for my federal student loans with DEPT OF ED/XXXX are now closed with a {$0.00} balance as they have been refinanced with the Department of Education to DEPT OF ED/XXXX XXXX. My credit report needs to accurately reflect this updated status as of XX/XX/2020.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

Original Line of Credit as of XX/XX/XXXX went delinquent and charged off on XX/XX/XXXX. Account has resurfaced with a different loan number and different amounts but same original Date opened. XXXX XXXX XXXX XXXX. is falsely putting a new charge off date of XX/XX/XXXX when account was already charged off on XX/XX/XXXX clear evidence on the credit reports. Needs to be removed permanently off all credit reports. Please see rules on charge off dates to be removed permanently : No payment agreements ever made, ask for written documentation. 
According to Fair Credit Reporting Act ( FCRA ) Under FCRA 605 ( a ) and ( b ), an account in collection will appear on a consumer 's credit report for up to 7 1/2 years. To determine when an account will be removed by the CRAs, Add 7 years to the date of the first delinquency. The date of the first delinquency is shown in credit reports. Subsequent activity, such as resolving the debt or one debt collector selling the debt to another collector, is irrelevant to the 7-year rule. 

A charge-off stays on your credit report for seven years after the date the account in question first went delinquent. ( If the charge-off first appears after six months of delinquency, it will remain on your credit report for six and a half years. 

I Contacted XXXX XXXX Bank XX/XX/XXXX, and disputed Credit reports with Equifax XX/XX/XXXX. No results. I contacted recently Arizona Attorney General on XX/XX/XXXX and XXXX XXXX Bank ignored them. They are sending 2nd requests again. 

Collection accounts can remain on your report for seven years and 180 days from the original delinquency. Original delinquency is XX/XX/XXXX and Charge off is XX/XX/XXXX not XX/XX/XXXX. Loan has been in recovery since XX/XX/XXXX. I have all documentations showing this charge off of XX/XX/XXXX on credit reports and its delinquency. 

XXXX XXXX XXXX XXXX XXXX said they can put what they want on the credit reports.
Consumer complaint received 2021-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I do not want to write long messages as I did it already I just want to ask you again, remove this account from my credit report because its not mine, I already filed Identity theft report, proving that this account is not mine. However two bureaus still reporting them in my report, what else I need to do in order to get rid of wrong and misleading information in my credit report that just killings all my PLANS!! Maybe you can recommend what to do???
Consumer complaint received 2020-07-06
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. (AR)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of XXXX XXXX. I have never been put on XXXX XXXX. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2020-07-06
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. (AR)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of XXXX XXXX. I have never been put on XXXX XXXX. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2024-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (GA)

15USC 1681 Section 602 states, I have the right to privacy.

15USC 1681 Section 604 ( a ) Section 2 states : A consumer reporting agency can not furnish an account without my written instructions. 

15USC 1666 ( b ) : A creditor may not treat a payment on a credit card account under an open-end Consumer credit plan as late for any purpose.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.
Consumer complaint received 2020-07-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I visited the Bank of America at XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX on XX/XX/XXXX. My purposes were simple : 1 ) update my mailing address, 2 ) pay off my auto loan. 

I gave the customer service representative my driver 's license so that he could enter my address into the BOA system. After he finished entering my address, I paid off my auto loan ( {$6100.00} ) immediately. I was told that the title would arrive within 2 weeks. 

On XX/XX/XXXX, I checked my BOA online account and found out that my mailing address was wrong. I called the customer service and was told that my car title was already mailed on XX/XX/XXXX to the wrong mailing address. 

I went to the Bank of America at XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX again, and asked for help. They refused to apologize, nor did they offer any help ; they just gave me the BoA customer service number! I still couldn't receive my car title even though I have already paid off my loan. 

It was their fault, and I can't believe this is how BOA serves its Premium Rewards Platinum client, who has been with the bank since XXXX.
Consumer complaint received 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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 U.S.C 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 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 an consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-10
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NY)

Ashley Furniture XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX On Saturday, XX/XX/XXXX, I was shopping for a new couch for my new apartment. As i ventured into Ashley Furniture, I found a couch that I thought would be a good fit for my home so I engaged a salesperson. The salesperson informed me that they offered " financing plans '' with no interest for XXXX  months or so. This sounded like a great idea as i would not have to come much out of pocket since I had just recently paid for my move. Before engaging further I specifically asked, " this is not a credit card, correct? Just a financing plan? I do not need any additional credit cards. '' He then replied, " No. Just a financing plan. '' Financing plans typically don't affect your credit which is why I saw this as a good idea. 

About a week later, a credit card was delivered to my mailbox from Ashley Furniture. Naturally, I was very upset as I felt taken advantage of, lied to and most importantly, my credit would be affected. I contacted the store and they offered very little help or guidance. This company should be investigated. If they were able to pull this on me then there are likely many others that have fallen victim. 

I'm considering some sort of XXXX XXXX  against them but I felt it was necessary to file this complaint to inform and warn the public of the poor and predatory practices employed by Ashley Furniture.
Consumer complaint received 2022-12-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IN)

A number that spoofed the XXXX XXXX XXXX number called me on XX/XX/2022, at XXXXXXXX XXXX, telling me that there was a fraudulent transfer about to go through on my XXXX XXXX account through Zelle, which is partnered with XXXX XXXX  in some form or capacity. The individual on the phone took me through a process that resulted in me transferring money to the number XXXX, and in the process, I was told to do it with my name as the recipient. I only took part in this because of the fact that the number was that of the XXXXXXXX XXXX. The amount of money was {$1400.00}
Consumer complaint received 2022-08-20
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: DISCOVER BANK (NY)

I was notified by XXXX XXXX that 3 Hard inquiries were made under my name, none of which I authorized. One of the inquiries was made by XXXX XXXX Bank on XX/XX/2022. The 2nd inquiry was made by Discover Financial Services on XX/XX/2022, and the 3rd inquiry was made by XXXX XXXX on XX/XX/2022. I've called all 3 banking institutions and they confirmed that they can not see account inquiries based on my current information. 

I can't understand then who made those 3 inquiries and why it's reflected on my account.
Consumer complaint received 2020-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (KY)

Phoenix Financial Services is attempting to collect two XXXX Hospital debts that were paid off by workers comp and documentation has been received by creditor. I submitted documentation from my attorney showing that XXXX XXXX XXXX had indeed paid the debts off and Phoenix Financial is still disputing the chargers. It has been in dispute for over 45 days and I have contacted Phoenix Financial over 5 times during the last month and a half. I followed up XX/XX/2020 with XXXX XXXX XXXX to ensure that those two payments had been submitted and was told they were. My attorney told me to file a claim due to unfair reporting practices and I hope this can be resolved quickly.
Consumer complaint received 2020-07-06
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Flandreau Santee Sioux Tribe (AZ)

Last week they spoke to my daughter ( who answered my phone as I wasn't there ) and gave her specific details about what I owed, that legal action would be taken, that I twice tried to defraud the company, that my payment was declined. They also contact my father, who I would never use as a reference. They also contact my sister, after she told them I was not at that number, and left her very rude voicemail intended for me ( knowing it was not MY phone number ) that they were seeking legal action against me. 
On initial phone call I asked for letter, or written proof of who the original creditor was and they would not give it to me. They said it was from 2016 but used an address that I have not lived at in about last 13 years.