davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-29
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC (CA)

Claim department I have forwarded my insurance claim money to the mortgage company and they received it on XX/XX/XXXX as yet XX/XX/XXXX they have not sent me the money that is owed to me and my XXXX. I call almost everyday and get a different answer. They dont communicate if information is missing, I call everyday almost. Mailed to the wrong address, returned, shredded and 5 days to reissue. That was the story on XX/XX/XXXX still not sent or receivedIm beyond frustrated, this has affected my health and well being I not only want this money forthwith I want something for the injustice and their lack of consideration and incompetence.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (MA)

The card in question was originally through XXXX XXXX with XXXX issues ever experienced. The card was transferred to XXXX through Goldman Sachs and has been nothing but issues ever since. I have repeatedly had to spend time dealing with fraudulent charges on a card that I NEVER even activated in the first place upon receiving the new card under the XXXX branding. 

Each interaction with the company runs me approximately XXXX minutes of my time. The card has NEVER been used for a personal transaction. My only interactions with XXXX have been dealing with fraud. On Monday XX/XX/23 I spent XXXX minutes on the phone dealing with Fraud. The representative had to call me back MULTIPLE times because of " system issues '' repeatedly asking me to verify my identity through a phone code. She said level XXXX fraud would be in contact with me to resolve the complaint. I requested a call after XXXX due to my working hours. 

On XX/XX/23 I received at least XXXX phone calls between XXXX and XXXX while sitting in a meeting with my boss at work. Extremely unprofessional given I requested a call after XXXX. I also reviewed my email only to find NEW fraud charges being flagged on the account after the card was cancelled and a new one issued on XX/XX/23. 

Tonight XX/XX/23 I received multiple calls while attempting to cook dinner for my family. I advised the representative to cease calling my phone and close my account because at this point I feel I am being harassed by the company. I hung up on him and he called me back asking me to verify my account. 

These are outbound phone calls to my phone number on file and on top of that I verified via phone at least XXXX  times on XX/XX/23 to the same phone number. I told him I wanted his boss and a woman came on the line and again is requesting I verify my phone. I told her I would not being this, it was done repeatedly on XX/XX/23, I am being harassed and hung up the phone on her after telling her I want no further calls from the company. She completely ignored my request to not receive further calls, even after I advised her I would be filing formal complaints with the attorney general and CFPB ( I couldn't remember the name of this entity at the time and advised simply filing a complaint with any overseeing body regarding credit card companies ). 

I am done dealing with XXXX. I want my card closed and no further contact from the company ever again.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting XXXX, XXXX, and Transunion request and provide signed copies of all of the disclosures guaranteed to me as a natural person with rights under 15 U.S.C. 6803 ( a ) while the current reinvestigation is taking place into the accuracy of the account listed below by the credit reporting agencies. 

Account Name XXXX XXXX XXXX Account Number XXXX For reference : 15 USC 6803 ( a ) states ; DISCLOSURE REQUIRED- At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title.

I do not recall receiving any such disclosures. I have requested that I be provided with these disclosures within 15 days the request was sent.
Consumer complaint received 2020-05-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc (TX)

Harley Davidson Financial Services is not honoring the provisions of the CARES act in accurately reporting my account to the credit bureaus, making it very hard to obtain a home loan as my credit dropped 112 points due to them not honoring the deferral agreement made on XX/XX/2020 and reporting me as 30 days late for XXXX. Today I was told going into XXXX, my account was showing a due amount of my regular {$740.00} and no P and I past due, I was told this by XXXX, a supervisor. But the payment agreement wiped out the XXXX and XX/XX/2020 payments. My next payment was due XX/XX/2020 which was my fulfillment of the arrangement which was made on time and as agreed, plus extra. Under the CARES act, they are to report my account as current as long as I fulfill the obligations of the agreement. On XX/XX/2020 they reported me 30 days late for XXXX to the credit bureaus, however I was not due for a payment in XXXX but had already made payments in XX/XX/2020 totaling {$1100.00} and XXXX totaling {$1100.00} ; {$370.00} of the XXXX payment was a buy in to the deferral agreement.XXXX  wanted to argue with me that despite my test, COVID-19 did not become an issue until mid to late XXXX. Not sure where he is, but that is not true, I can personally attest to that. I have never been 30 days past due per a review by my attorney and a forensic accountant. I am NOT represented in this matter by either. 
I can not control a non-at-fault accident that required XXXX  and COVID-19, but HDFS seems to think I can and wants to punish me.
Consumer complaint received 2023-01-30
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. (FL)

This is XXXX XXXX XXXX XXXX and I am submitting this CFPB Complaint to request to you to remove the fraudulent accounts I found you have been reporting on my Credit Report. I believe I am a victim of Identity theft and these accounts were the results of such crimes. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA XXXXection 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here are the accounts that I need you to remove from my Credit Report ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$970.00} XXXX XXXX XXXXTY XXXX XXXX XXXX : {$2700.00}. I have read that according to the Fair Credit Reporting Act section 605b, you are required by law to have any accounts and information removed from my Credit Report as soon as possible. Please comply with the Fair Credit reporting Act aand have the disputed accounts removed from my Credit Report as soon as possible.
Consumer complaint received 2020-05-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XXXX is a collection agency collecting for XXXX XXXX  in the amount of {$150.00}. I dispute was sent to the collector and all three Credit Bureaus over 60 days ago. No one has responded as required by the FCRA and XXXX to prove ownership of the debt by purchase order, itemized billing statement, and a signed contract bearing my signature and identification. An entity simply can not demand payment without ALL of these documents. Since it is has been over 30 days ... Initial contact made to all parties including the Credit Bureaus on XX/XX/2020, this item MUST BE REMOVED FROM ALL CREDIT REPORTS or legal action can take place because it is hindering my quality of life wherefore monetary compensation will be demanded in the court of law.
Consumer complaint received 2023-01-26
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. (NY)

I have disputed numerous times prior to no avail, late payments can appear on your credit report and stay there for XXXX years. Late payments remain on your credit reports for XXXX years from the original date of the delinquency, which dated back to XX/XX/XXXX on my report. The original delinquency date, seen on the attached Equifax credit report # XXXX, XXXX XXXX XXXX XXXXXXXX was on XX/XX/XXXX. This has passed the XXXX law for removal. Please see XXXX listed on page XXXX OF XXXX on the credit report. XXXX REPORTED DELINQUENCY is on page XXXX OF XXXX. Both section were highlighted for Equfax to review. I requested that Equifax to please follow the FTC Regulations of 30 days, to remove this creditor from my report permanently and to prevent further action. I attached a copy of the report with a letter. I sent it by certified mail. Equofax has alloewd XXXX to consistently abuse and used deceptive actions to create false information. They have gone as far as to place fake payments on my report. They removed all of the delinquencies dating as far back to XX/XX/XXXX, in an attempt to keep XXXX XXXX XXXX XXXX. listed on my report. Equifax took 5 days to review and concluded that their report which XXXX XXXX XXXX XXXX was correct. They did not send any correspondence by mail in reply to my dispute by mail. I spoke with Equifax on XX/XX/XXXX, was told that the creditor was correct, despite seeing a different date on their Equifax report.
Consumer complaint received 2023-01-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL (NY)

A partial credit that was issued via XXXX is XXXX for a hotel room in XXXX keeps being charged back to me. 
I never was able to go to XXXX XXXX XXXX XXXX at the last minute. 
I am charged for cleaning fees and other miscellaneous fees for a room that I was never in. 
XXXX seems not to eat to be bother or accept any responsibilty.
Consumer complaint received 2020-05-20
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)

I have file my taxes XX/XX/2020, after some days I got a letter from the IRS saying that my taxes has been previously filed, when I had not, immediately I realize that my identity had been stolen, then I when ahead and checked my credit discovering a number of account that I have knowledge of. I went to the police and filed a police report report and an FTC report as well. 
I'd like you to help me resolve this issue, Thank you.
Consumer complaint received 2020-08-25
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (PA)

we have to issues one they claim our balance is XXXX its XXXX they told all three credit reports we owe more yet look at our acct is confirms XXXX also we dont have a fixed rate it always goes up but never down i questioned if rates are at an alltime low why are we still at XXXX? i was hung up on why doesnt it ever go down???
Consumer complaint received 2023-01-26
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. (CT)

Over 15 years ago I took out a HELOC with XXXX XXXX Since then I XXXX  XXXX XXXX. The bank was paid {$80000.00} through the Trustee on a balance of {$100000.00}. The XXXX  XXXX was dismissed 5 years ago, but the bank still reports me as delinquent. I inquired about my balance not reflecting payments, and the fact that my account was now showing $ XXXX balance despite payments. I paid my attorney to look into this as well. I believe their balance and accrued interest etc is incorrect since they started from the wrong balance. I also believe they have written this account off some time ago. I do not get collections calls, nor do they send me bills. The house we had the loan on was foreclosed on, and sold with a clear title yet they still report an equity loan. Despite many calls, the only information I get is what they claim the balance was and that I should contact my lawyer. Having done all this and attempting to rectify the situation I am now trying to purchase the home I live in and have rented for the past 5 years. This HELOC listing is affecting my ability to make this happen. 

This loan was converted by the bank to a standard equity loan not a line of credit before we XXXX XXXX XXXX
Consumer complaint received 2023-01-26
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. (FL)

My credit report contains information that is inconsistent, incorrect and not valid ; I would like any and all names, addresses and derivatives of names and addresses that are not the following to be removed : Full Name : 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 Attached to this request is copies of my current valid drivers license, social security card, and proof of residence.
Consumer complaint received 2020-05-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX is a collection agency collecting for XXXX XXXX  in the amount of {$150.00}. I dispute was sent to the collector and all three Credit Bureaus over 60 days ago. No one has responded as required by the FCRA and XXXX to prove ownership of the debt by purchase order, itemized billing statement, and a signed contract bearing my signature and identification. An entity simply can not demand payment without ALL of these documents. Since it is has been over 30 days ... Initial contact made to all parties including the Credit Bureaus on XX/XX/2020, this item MUST BE REMOVED FROM ALL CREDIT REPORTS or legal action can take place because it is hindering my quality of life wherefore monetary compensation will be demanded in the court of law.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (OH)

The account with XXXX was default in XXXX. Convergent continues to report the account as being delinquent as late as XX/XX/XXXX as if that is the Date of First Delinquency but it is NOT and it should not be reporting with that origination date
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

To whom it may concern : On Saturday XX/XX/23, I received a check from my attorney for {$14000.00}, and I made the deposit at my local Bank of America BrancXXXX here in XXXX, Co. The gentleman informed me that a third of the funds would be available on Tuesday XX/XX/23, but that never happened. I later discovered that my bank decided to place a longer hold on the check that was issued to me to be available on XX/XX/23 when the check was made by my lawyer who's bank is locally here in XXXX as well. Moreover, I spent hours calling their call center, and they kept hanging up on me, and so I decided to go to another Bank of America branch near my house, and they told me that I needed to go back to the original location where I deposited the money, and they can release the hold. Well the following day I did that, and that branch told me that they can not do anything, and I needed to contact my lawyer to place a stop payment, and have him reissue another check to me to cash it at his bank. Well that didn't sound right to me, so I contacted my lawyers Bank : XXXX XXXX, and they informed me that Bank of America had already taken the funds, and the check cleared on XX/XX/23. Afterwards, I went to another Bank of America, and their XXXX wasn't helpful at all, she said it was a federal offense for her to have the hold removed, and she can only help me this time which made no sense to me at all. Then I gave her my debit card and my drivers license, and she said she will verify the check for me by contacting XXXX XXXX. Well after wasting an hour at that Bank of America branch, she told me that XXXX XXXX  refused to verify the check, and there was nothing she can do to help me. 

Finally, Bank of America has wasted my entire week giving me false information, and misleading me due to them not caring about my needs by cashing a check that had already cleared on XXXX, and I believe that there is no reason for them to hold my check for XXXX weeks when my check had already cleared XXXX days after I deposited the check into my account. I feel like they need to be held accountable for lying and misleading me, and for doing malpractice in banking. After all of this, I don't feel comfortable doing business with Bank of America ever again, you can also look at their reviews it's horrible
Consumer complaint received 2023-01-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Halsted Financial Services, LLC. (AR)

Halsted Financial services has broken the law due to the fact that I have no contract with said entity. I have never done business with your corporation. You are a nonaffiliated third party. Halsted is in violation due to obtaining my non-public personal information.

Halsted is also in violation due contacting me repeatedly through email without my consent.

Halsted also did not provide debt validation or verification due to the fact that you are not the original creditor.
Consumer complaint received 2023-01-11
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.