davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Filed a dispute with the credit bureau XXXX and XXXX  removed them XXXX  left one XXXX  refused I filed the theft report and sent to both companies and XXXX  with no results I keep all my payments up to date I did have to file bankruptcy in XXXX due to my wifes XXXX bills but since have been trying to build my credit plus I have 39 hard inquiries that I didnt request XXXX  XXXX  XXXX.and portfolio recovery XXXX which was purchased from another company they said payments had be made on it I requested them to send me copies of payments because Ive been with the same bank for 30 years and no proof was every sent also XXXX XXXX for XXXX I have a access one credit card to cover any out of pocket cost I filed the fraud report and sent the required documents to each lender and to XXXX
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a dispute on XX/XX/XXXX with bank of America for a prior transaction that took place XX/XX/XXXX for {$2800.00}. Bank of America guaranteed me that they would resolve it within 90 days immediately when I filed the claim and again when I called to check the status over one month later. It has now been 93 days since filing the dispute and I still have not received a status update or resolution. I called to speak with them about it and they told me they will escalate the claim and that they do not have a policy for what happens if they fail to resolve within 90 days. I have been a loyal  customer since XXXX and this is the only claim I have ever filed, I am very disappointed.
Consumer complaint received 2021-06-21
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. (LA)

I've asked them to provide the original contract with my signature for validation of the debts and I have received nothing but stating the debts were valid. Nothing has been removed and it has caused tremendous damage to my overall credit score and is causing me to be homeless because I can't get approved for any houses or anything for that matter.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2021-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AXOS FINANCIAL, INC. (MD)

On XX/XX/2021, I submitted a transfer request from my Axos Bank XXXX XXXX accounts to my personal checking account. The amount of the transfer at that time was {$890.00}. Since then the value of the account in question has risen to just over {$900.00}. Regardless, I've been waiting on my money for over a month and even according to their own agents the transfer shouldn't take longer than 5 days. After several attempts to reach someone at Axos bank, I spoke with an agent named XXXX XXXX at Axos bank on XX/XX/2021 and was told that he would follow-up on the matter and re-adjust the transfer request to cover the increased value of the account since making the request and would follow-up with me. I've since called back 5 times and can not get through to anyone who is able to help and no one is returning my calls. I would have no need to call if they simply gave me my money which has been a pending request for over a month. 

This bank - which bought out the bank that was originally the custodian of my account has caused nothing but problems since its take over. The services have gone down hill drastically ( and the predecessor bank was a small operation ) the reporting is awful and the website they've chosen to replace the preexisting website is full of inaccuracies -- which is obviously no way for a bank to operate. Please help. This has gone on far too long. Thank you.
Consumer complaint received 2022-08-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Equifax added an erroneous debt to my credit report which caused damages with a XXXX points credit score drop. XXXX XXXX  spitefully validated a false claim of debt that does not belong to me nor responsible for. The debt is charged off after several years and was removed from my credit file and yet Equifax added it back a few months ago with no legal proof produced by XXXX XXXX as required by law to show the loan agreement or debt instrument to validate the debt. A mere statement by XXXX XXXX  can not be accepted with no proof as acceptance of a statement with no proof violate NY Law and Federal Fair Credit Reporting Act.
Consumer complaint received 2021-07-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have attempted on MULTIPLE occasions since XX/XX/2020 to dispute the XXXX account with Equifax due to not only being reported INCORRECTLY but because I do not have a financial obligation with them! This account was paid in full per the attached receipt in XX/XX/2020. There is false reporting and XXXX refuses to do anything about it and so does Equifax! They either ignore my request or just state that the information is correct. No, it's not correct, I no longer owe anything to the creditor and they will not remove this. 

There are also multiple inquiries that I have been requesting to have disputed and removed however, those have not even been acknowledged by Equifax!
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

15 USC 1662b Timing of payments, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
- As a consumer, I am requesting original documented proofs from your company, to reflect thus consumer was late or did not make the payments? Did each creditor have reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title mailed or delivered to the consumer not later than 21 days before the payment due date? 

Accounts with Adverse Information XX/XX/XXXXXXXX XXXX XXXX XXXX$740.00} XX/XX/XXXXXXXX XXXX XXXX  {$610.00} XX/XX/XXXXXXXX XXXX XXXX {$1200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$580.00} XXXX Inquiries XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX {$510.00} I XXXX XXXX, the consumer , and living being, demand that all accounts and credits be positively adjusted with no harm and the consumer credit allowed to be extended should these documents not be able to be produced.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Maybe transunion has robots working or XXXX folks as incorrect phone numbers are reported such as telephone numbers and wrong spelling of names and invalid data and asked twice for it to be fixed but just kept mailing the same inacurrate date. 
what is going on over there??
Consumer complaint received 2023-07-26
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. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-04-08
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)

XXXX XXXX and their collections company, XXXX XXXX XXXX, have reported to Experian and other credit reporting agencies that I defaulted on an invoice in the amount of {$730.00} for an address in XXXX, Texas. The invoice does not belong to me and I have filed an incident report that this invoice is fraudulent and the companies have used my name and Social Security number to collect this fraudulent invoice without my consent. I have never been to XXXX, Texas and I do not have family there. Any use of my name and social security number is not authorized and the XXXX invoices are not mine.
Consumer complaint received 2020-11-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

TransUnion has refused to correct entries in my credit report incorrectly stating that my XXXX XXXX MasterCard ( Account Number beginning XXXX XXXX XXXX ) is an " Adverse Account, '' with a " Maximum Delinquency of 30 days in XX/XX/XXXX. '' I had no such delinquency. I fully documented this fact in my original Complaint with the CFPB ( XXXX, directed to XXXX, and XXXX directed to TransUnion ). XXXX, after its investigation of my Complaint, acknowledged there was no delinquency. In its letter dated XX/XX/XXXX ( attached ), it stated the bank " asked the credit reporting agencies to remove the delinquency dated XX/XX/XXXX from [ my ] credit report. '' However, TransUnions letter dated XX/XX/XXXX ( attached ) responded in perfunctory, fill-in-the-blank standardized language, " The disputed item ( s ) was verified as accurate '' ( page 4 of 5 ). The credit reporting bureau refused to accept the results of the investigation by XXXX, the creditor here. XXXX is the sole source of information about whether or not a delinquency occurred in XX/XX/XXXX. TransUnion would have no information about this matter independently of XXXX XXXX records. XXXX concluded no delinquency occurred. Both TransUnion and XXXX are bound by XXXX 's representation. Indeed, no delinquency occurred and this improper refusal by TransUnion motivates this new Complaint and possible further legal action based on principles of estoppel. I respectfully request that the incorrect entries in my TransUnion report be corrected to show I have no delinquency for the account in question. TransUnion is the only credit reporting bureau to have made this reporting error. When it is removed from my report, my perfect credit payment history will thereby be restored.
Consumer complaint received 2021-03-26
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. (IL)

This is probably the 4th time trying to resolve this and Im getting tired of disputing this account that ISNT reporting correctly. Im almost positive that items on your credit report that arent ACCURATELY reported are to be deleted. How is it that the account keeps being verified and updated when its constantly coming back with the SAME info! 

The account from XXXX XXXX ( XXXX XXXX XXXX ) was paid in full, yet the account is still reporting as derogatory. This is the last time Im contacting you all regarding this account. My next step will be me getting an attorney.
Consumer complaint received 2020-09-15
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. (CA)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2021-03-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX was entered into consumer transaction with XXXX on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX took cash. The finance charge is suppose to include insurance, but XXXX made me purchase insurance separately. I XXXX XXXX was also a victim of identity theft because I entered into a consumer transaction with XXXX  XXXX on XX/XX/2016. A consumer credit transaction in which I was tricked into thinking that I got a loan when in reality I only came for the credit, the promissory note was for them because XXXX  XXXX got the loan 15 usc 1431. XXXX XXXX used my information to obtain an extension of credit, 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person. my information was used by XXXX XXXX illegally to obtain my approval status for an extension of credit. can you guys please stop violating my rights as a Consumer? I have kids that have I have to take care of. it is hard to maintain a normal lifestyle because I can barely work because I have to spend countless hours studying the laws of the FCRA so I can finally get this issue resolved. I sat here for hours personally typing this letter myself with blood, sweat and tears because many nights I cried myself to sleep over these issues. I am begging you to please help me. do the right thing, I am a single father trying to survive during these covid times.
Consumer complaint received 2020-09-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-01-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My wife got XXXX XXXX and I retired early to take care of her. I talked to Bank of America that I was having trouble and a representative advised me to stop making payment on my loan in order to help modify my payment. 

I did as they advised and submitted everything that was requested to only find out that they had denied because they could not verify my income. I expressed that there is no other income that I was getting. 

I have retirement income and social security income which I submitted with my wife 's information as as well. They keep telling me that they think we are hiding extra income. We are not hiding anything. We have requested they provide proof but no response. 

I have been denied over 6 times now because of the same thing. " THEY CAN'T VERIFY INCOME ''. 

My loan was even escalated to FHA so they can assist and no help was given. I am an end here trying to save my house and have my wife recover from XXXX as well. She has had a XXXX XXXX and it just seems it will never end. 

Please help me!
Consumer complaint received 2021-06-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: LOBEL FINANCIAL CORPORATION (AZ)

Lobel Financial is denying that they ever collected the {$1600.00} down payment from the Consumers. The receipts previously submitted are evidence that it indeed was in FACT collected and per the letter from XXXX XXXX XXXX XXXX confirms they did receive the {$1600.00}. 

Per the Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders and other financial companies treat consumers fairly. 

A down payment is an initial, upfront payment you make towards the total cost of the vehicle. 

Per the Federal Trade Commission Guidelines Bait and Switch is as follows : Under Title 16 Law Per Code 238.4 Switch after-sale. 

No practice should be pursued by an advertiser, in the event of sale of the advertised product, of unselling with the intent and purpose of selling other merchandise in its stead. Among acts or practices which will be considered in determining if the initial sale was in good faith, and not a strategem to sell other merchandise, are : ( a ) Accepting a deposit for the advertised product, then switching the purchaser to a higher-priced product, ( b ) Failure to make delivery of the advertised product within a reasonable time or to make a refund, ( c ) Disparagement by acts or words of the advertised product, or the disparagement of the guarantee, credit terms, availability of service, repairs, or in any other respect, in connection with it, ( d ) The delivery of the advertised product which is defective, unusable or impractical for the purpose represented or implied in the advertisement. 

First, XXXX XXXX confirms that the down payment was received and accounted for per XXXX XXXX Pricing on the response letter from the dealership confirms that the {$1600.00} down payment was in FACT applied towards the car. 

However, in contrast, Lobel Financial denies they ever received or in their words exactly to the Consumers and stated : that they dont touch the money of the down payment that it doesnt go towards the car price and the customer is still responsible for the {$1600.00}.
Consumer complaint received 2020-09-15
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. (MO)

XXXX and Transunion should not be reporting that I am ( 30-60 )  days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2020-09-15
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. (FL)

As per the Fair Credit Reporting Act, all items older than 7 years and the bell for the seven years to start rings from the date of the first delinquency. 
A recent careful review of my credit report reviewed my credit report revealed this has not been done. There are several old items on my report that I demand you remove at once in order to comply with the FCC.
Consumer complaint received 2020-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (MI)

There's an invalid and unverified debt collection account on my credit report. I've made several attempts for verification such as original statements and a contract with my signature, the nature of the account, etc. I also requested a copy of their license to collect in the state of Michigan. I have sent several letters via certified mail to the collection agency for over a year. I have not yet gotten a response. This account does not belong to me. 
Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Consumer complaint received 2020-09-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lenox Financial Mortgage Corporation (CA)

I started the process of refinancing my personal residence and vacation home in early XX/XX/2020. I was told several times that the loans were approved but then they kept asking for the same information over and over which was provided, then they lost underwriters, seems like they were always starting over. Now it's mid XXXX and they still have not been able to provide me with a closing date or if it has been " officially '' approved. I keep giving them updated bank statements, they changed my insurance to reflect them as mortgagee ( which happened early XXXX ) ; they contacted my CPA to ask a couple questions about one of XX/XX/XXXXXX/XX/XXXX, which cost me {$250.00}, and the list goes on-and-on. I have never experienced anything like this in all the refinancing transactions I've completed in 30+ years.