davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-20
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

Summary : Loancare was reporting I have a 60 day late payment for a month that was 6 months after I sold my home. I disputed it and they updated it to show that I have a 60 day late payment 14 months after I sold my home. 

I was 60 days late on my mortgage in XXXX. I decided to request deferred payment under the COVID relief tools. I then sold my home and completed the sell on XX/XX/XXXX. I used the proceeds to pay off my debts and waited a year to rebuild credit so I could apply for a new loan. In XX/XX/XXXX I applied for a new loan and found that Loancare was reporting I had a 60 day late payment for XX/XX/XXXX ( 6 months after sell of home ). I sent a formal dispute to the fax number they provided on XX/XX/XXXX. Loancare sent me a formal letter stating there was no error in their reporting. 

I proceeded to have my lender pull a fresh credit report to see if the error was corrected. We found that Loancare removed the XX/XX/XXXX 60 day late payment record but added a XX/XX/XXXX 60 day late payment ( this credit report was pulled in XX/XX/XXXX so it was for the same month as the dispute resolution letter ) I contacted a supervisor at Loancare to have them review. She told me to just go around the error and submit proof it was paid to obtain a new loan. She provided an email I could resubmit my new dispute. 

On XX/XX/XXXX I resubmitted my new dispute of the XX/XX/XXXX 60 day late payment via email and contacted my lender to see if we could get approved providing the proof that the loan was paid off. My lender contacted the underwriter manager who denied my loan due to the " recent '' late even with proof provided. 

On XX/XX/XXXX I received a letter from Loancare acknowledging that they had reported XX/XX/XXXX as a late payment and corrected it but still did not acknowledge the XX/XX/XXXX late payment. 

At this point I have too many hard credit pulls trying to get this resolved and Loancare is still no closer to resolving the " floating '' 60 day late payment. 

I started this process in XX/XX/XXXX with a goal of purchasing a home in XX/XX/XXXX so I would have adequate time to relocate before my rental lease expired. My rental lease is now expiring with XXXX and I have an option to be homeless or pay a higher premium to stay where I am at currently. Loancare 's actions are having a direct impact on my inability to find housing and having impacted my XXXX XXXX negatively with additional hard inquires. As of XXXX they will have a direct negative impact on my finances with the lease expiring and inability to have found housing timely. 

I should also note that I have disputed this will all credit bureaus and have had no success. 

My assumption is that Loancare did not properly close out my forbearance as the original " 60 day late '' was 60 days following the month my forbearance would have ended. Then, instead of figuring that out they updated it the current month of the last dispute.
Consumer complaint received 2022-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We had our wedding on XX/XX/XXXX and XXXX and although every other vendor we used was fantastic, the caterer was a really a disaster and many guests and ourselves really feel like they missed the mark completely. They made many promises and failed to deliver as they promised and reassured us. In fact, when we had a follow up call with them, they told us they had missed the mark and had fired staff as a result of poor performance during the event. They have also been banned from ever going back to the venue forever given their poor performance. 

The caterer agreed that money should be refunded but they deferred to Bank of America to figure out the reversal on the money that should be refunded. Unfortunately Bank of America refuses to refund anything despite both parties agreeing that money should be refunded. 

There were multiple problems on both days of the event. 
( 1 ) Food was to be served to us at XXXX XXXX  on XX/XX/XXXX. Food was not ready until XXXX XXXX. The start of the food timing was discussed and agreed upon in advance. 
( 2 ) Bar was to start at XXXX XXXX  on XX/XX/XXXX and did not start until XXXX XXXX. Agreed upon in advance and onsite the day of. 
( 3 ) Item 2c- Caterer will provide a staff of properly trained and experienced personnel to ensure satisfactory performance of the Services. As was evidenced by the fact that the caterer fired the bartenders after the event due to poor performance, clearly, they would also agree that staff was not appropriate ( 4 ) Item 4 The Caterer agrees to maintain a mild ( not spicy ), yet flavorful spice-level for all items on the menu. Universally individuals who attended said the food was too spicy and they could not tolerate it. 
( 5 ) On XX/XX/XXXX Food was to start being served starting at XXXX. Dinner was not served until XXXX XXXX. 
( 6 ) The fryer broke so food was not prepared on time and was delayed significantly. 
( 7 ) Both XX/XX/XXXX and XXXX there was not enough food, and it ran out. Many guests complained and left hungry ( including the wedding party ). 
( 8 ) Food was not put out for eating fast enough so people could eat it. 
( 9 ) Food was not prepared well. In my dish was half an eggplant raw which was not part of the menu. 

All services were supposed to be done properly and accurately on XX/XX/XXXX and XXXX. Because of the poor service this caterer is banned from the property and will never be able to caterer for the event space. 

We hope you can get Bank of America to do its job.
Consumer complaint received 2021-12-28
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: EQUIFAX, INC. (TX)

Complaint Department I found some Fraudulent & Illegal accounts and information on my credit report that I need Equifax to remove. They are listed below. Please remove these Fraudulent & ILLEGAL accounts and information. Please send me a copy of my credit report after it is completed. I have enclosed a copy of my Driver 's License, Social Security Card, and Bill for identification and verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove all incorrect addresses from my credit report. This is the only address that I am associated with : XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX I appreciate you removing these ILLEGAL accounts. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-11-05
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. (AZ)

I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent account. I'M SUFFERING PUNITIVE DAMAGES FROM THIS. I've attached FTC filing along with Drivers license, SSN and utility bill. 


Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXXXXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be itXXXX XXXX  XXXX XXXX is falsely publicizing an account addressed to me on Experian, XXXX XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX  XXXX XXXX has published my information publicly on XXXX, Experian & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 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. XXXX XXXXXXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX  XXXX XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.
Consumer complaint received 2021-12-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

I made a deposit in the amount of 4,000 and another for XXXX. On XX/XX/XXXX I was told my money would be on hold till the XXXX. The day came and nothing. I kept going back and forth to the bank. The branch manager escalated the situation but to tell me they needed someone on the phone to verify if the checks are real. I gave them multiple numbers but kept saying no. The branch manager show them my paperwork but still they refused so at this point the situation is hopeless. The bank took the checks has the funds on hold and even cover money that was owed to them with the XXXX check but still is refusing to hand over my funds that is owed to me
Consumer complaint received 2022-01-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Receivable Management Group, Inc. (GA) (FL)

The company is a group of XXXX members or more claiming that I received medicine, healthcare, finance, and radiology. The debt is ruining my credit file and destroying my developmental history. She wants money from a third party that the Consumer Financial Protection Bureau filed a bankruptcy against to give her the money instead of me. That is why she is following me everywhere from state to state. She is money mad!
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-09-18
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. (PA)

In accordance with the fair credit reporting act convergent Account 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 XXXXXXXX XXXX  XXXX has violated my rights. 

15 U.S.C Section 1681 section 2 A states I have the right to privacy 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX XXXX XXXX XX/XX/XXXX I removed all my money from my previous bank in Western, NY and took cash to open an account in XXXX, SC as due to COVID I attended a football XXXX XXXX. I open up an account XX/XX/XXXX at XXXX XXXX branch in XXXX, SC account number was XXXX with {$1400.00}, this was all my money the service rep name that opened the account name was XXXX XXXX at XXXX. I was in need of money and returned to the branch on XX/XX/XXXX to withdrawal funds as I wait my debit card and I was advised there was no money as the bank made a random business to close the account, I was in a very difficult situation as no money unable to eat, or buy gas etc. I was then spoke to the branch XXXX who stated there was problems with theft in the apartment complex where I was placed to live by the XXXX school and the reason for closing my account. It looked odd opening up account with all cash. Well they issued a cashier check on XX/XX/XXXX and where mailing it to me I asked for the cashier check to be cancelled but they said it could not be done that I had to wait 120 days if check not received then they would issue another cashiers check. As a XXXX XXXX XXXX in XXXX XXXX ( XXXX XXXX ), I was lucky I was not homeless I can not tell you how difficult it was for me to buy food or gas with this situation they put me in. I spoke with my Uncle who is an attorney he wrote an email to someone he states is very high up in Bank of America in XXXX XXXX XXXX on XX/XX/XXXX she completely ignored him, also an attorney XXXX XXXX XXXX a cousin tried calling and got no satisfaction as well. I finished XXXX  school XX/XX/XXXX and went back to the bank to give them my correct address, they sent a, post card to me and I verified that address. Today XX/XX/XXXX I went to Bank of America in XXXX XXXX, NY spoke with a relationship XXXX XXXX XXXX who went above and beyond to assist us. She was even getting frustrated with the back office as she spent over an hour getting the run around. We learned that the cashier check was returned to them and destroyed on XX/XX/XXXX yet they did nothing about it they just kept my money and did nothing, never issued another check but they now said wait a week and I should receive one. I dont understand I opened the account with cash why do I still have to wait for a cashier check it may be another 120 days, how is this right? No money in over 5 months when I opened an account with cash and it was closed because of the area I lived in this is discrimination please help I could have been receiving interest they have cost me money and put me in a very difficult situation please help me.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

Dear Sir/Madam, I am writing to dispute the following inaccurate and fraudulent accounts that have been reported on my credit file. I am not requesting a reinvestigation at this time, but rather a deletion of these accounts from my credit report. Failure to do so will result in my exercising my right to seek legal action and defend my rights in court, as provided under the Fair Credit Reporting Act ( FCRA ) and other relevant laws. Below are the accounts in question : XXXX XXXX XXXX XXXX, Account # : XXXX, Balance : {$830.00} I have contacted the collection agency and filed a complaint with the CFPB, yet the agency has failed to respond. I question how your agency was able to verify this account. This account is fraudulent and must be removed immediately. 
XXXX. XXXX XXXX XXXX, Account # : XXXX, Amount : {$960.00} This is a medical account, and I have no knowledge of this debt. Reporting this account violates both the FDCPA and HIPAA regulations. Remove this immediately, as I will not file a third dispute. 
XXXX. XXXX, Account # : XXXX, Balance : {$20000.00} I have filed a complaint with the CFPB, and a lawsuit has been filed against the company. You claim to have verified this debt, but I have never received any documentation or proof. Remove this account from my credit report immediately. 
XXXX. XXXX, Account # : XXXX, Balance : XXXX XXXX This account violates 15 U.S.C. 1681i ( 7 ) ( Method of Verification ) as it was reported without valid documentation. I demand that this account be deleted immediately from my credit report. 
XXXX. XXXX, Account # : XXXX, Balance : {$1400.00} I have never owned a credit card with XXXXXXXX XXXX. If you can not provide proper documentation verifying the legitimacy of this account, it must be deleted immediately. 
Please ensure that these accounts are removed from my credit report and provide me with written confirmation once the deletions are complete. Failure to do so will result in further legal action. I trust that you will handle this matter with the seriousness it deserves to ensure compliance with the law.
Consumer complaint received 2021-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CA)

I received a notification on my credit report that yet again another debt collection agency has flagged my credit report with a debt owed that was already resolved with another debt collector. On XX/XX/2021, Receivables Performance flagged my report stating I owe {$630.00}, the creditor being XXXX. This has already been resolved as a result of not my debt. 
Today I am sending a certified mail letter to Receivables Performance to provide proof of their debt collection.
Consumer complaint received 2021-12-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Elevate Recoveries, LLC (FL)

A collections account was filed on my credit report from a creditor named Elevate, LCC. The original creditor was XXXX XXXX XXXX, XXXX. I had no knowledge of this bill until it was reported on my credit report. I called the collections agency and got the date my daughter visited the ER. It was XXXX. I called the insurance company and no bill was submitted to them for payment from the original creditor. Ive tried to find information for contacting the original creditor. I have found no contact info and the collections company refused to give me any contact information and told me to look it up on my own. I have no documentation to submit because the only contact theyve had with me was on the phone on XXXX. Ive never even recieved a bill in the mail from the original creditor.
Consumer complaint received 2022-08-01
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. (NY)

I sent a letter on XX/XX/2022 to remove : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXX Balance : {$760.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$420.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$7000.00} ; XXXX XXXX  XXXX Balance : {$860.00} ; XXXX XXXX  XXXX Balance : {$810.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX C XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
Consumer complaint received 2022-08-01
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. (TX)

These companies have violated my rights of privacy. I did not give written consent to these companies... 
XXXX XXXX XXXX XXXX campers XXXX XXXX XXXX acceptance XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX card XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (TX)

I called to request paper statements to be sent for my records which they must supply by law. I was refused by special person assigned to my account ( XXXX XXXX. I was told that they can not supply my request and to only view online. Online does it supply breakdown of fees and charges and does not supply a invoice.