davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My wife and I have a Bank of America ( BoA ) Mortgage since XX/XX/2020. BoA upgraded their mortgage system in XX/XX/2020 and we have been having issues with our payments being recorded correctly ever since. 

My wife and I do split payments from our own checking accounts. It started with BoA not recording a payment sent from my BoA checking account to their mortgage account on XX/XX/XXXX. I called them to notify this and was told by their support staff that this because I paid earlier than the due date (??? ) ( Imagine being penalized for recording a payment earlier ). They eventually located the missing payment and said they would fix this in 15 days, but I never saw it being fixed. It has been downhill since then. 

Every month since then, even though we pay on time ( sometimes before ), we get an email saying our payments are past due. We have already asked them to reverse the emails and fix our payments, but there has been no resolution for 2 months. We have called them at least 7 times and have filed 3 service requests, and have been assured that this will be fixed in 10 days but it never does. Our monthly payment is {$3200.00}, but we do a combined payment of {$3800.00} so that we can cut down on our principal. None of the extra principal payments we make have been recorded correctly for the last 2 months. 

We have received 2 emails so far from BoA saying they will report us to credit agencies for missing our payments. Whenever we ask BoA to reverse these emails, they ask us to ignore them, but when asked for written communication from their end to indicate that we can disregard these emails, we have been asked to take their word for it. This seems particularly unfair, since we have no written proof that the issue is on their end and they are fixing it. 

Overall the communication has been poor and they have not shown any ability of solving our problems for 3 months now.
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Reports of Experian listing dark web information found on the credit report. Being denied employment. In XX/XX/2018, reported dark web information found to FBI and filed a report as information is incorrect, improper use of email address, identity theft as email address is registered on job boards, public websites such as XXXX for employment. Current Experian is reporting as a Negative on the credit report on personal information found in a dark web search. I have taken the necessary steps in reporting to the authoritative agencies about these types of searches. Claiming Personal Identifiable Information, Defamation, and Identity Theft.
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (FL)

So I signed up and got approved for a {$1000.00} credit line. Best failed to get me my credit card in time and I get a late payment fee of {$27.00}. I ask them to remove the fee because I never had my card to make the payment and when best buy called me to even make a payment I still never had my card and it was already late. A week after I got approved and was waiting on my card. I called THREE times in one week to get it no my new address and they said it was on the way and I never saw it to about a month later. I called my bank to get refunded for the late fee they never took off and the whole best buy account gets pushed back 60 days and boom. So I talk to the lady and she says to me that everything okay you won't get a late fee report to your credit if you pay this amount and I did XXXX $ and my bank claim XXXX . I  made another payment of XXXX $ and till this day I don't know why I did but she claims I had another late fee soI just paid it to cause every time I call them they tell me something different. Now today I found a late payment on my credit report and he tells me it's because of my payment of XX/XX/XXXX that I didn't make a payment. Now, Remember I got approved in XX/XX/XXXX so how come I didn't get my credit card until XX/XX/XXXX and I was calling of XX/XX/XXXX. Best buy is to blame for this for the simple fact I had no credit card to sign up a credit account online to pay them because I ALWAYS pay a month ahead on my credit and poor communication of telling me to pay ahead so I can avoid a late fee.
Consumer complaint received 2019-04-12
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

Opened a Chase Private Banking account XX/XX/2018 and was promised a {$750.00} bonus for my deposit after 90 days. Have call the branch reps and customer service on approximately 12 occasions and each time have been told I met the qualifications and the bonus would be deposited. It has now been 6 months and no bonus has been paid.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2019-04-12
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. (TX)

XXXXXXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2 and 3 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2024-11-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FC HoldCo LLC (TX)

There is a closed collection on all my credit reports. This has been discharged from my XXXX. Case # XXXX This account is from XXXX It has been on my credit way too long. 
Can this be removed from ALL 3 credit bureaus please. 
Thank you
Consumer complaint received 2020-06-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Fig Tech Inc. (FL)

On XX/XX/2020, despite the fact that I posted a Consumer Statement on  XXXX site, not to provide my credit report to any creditor without contacting me first on my provided personal cell phone number, second a call to my provided house phone number, and third obtain a written authorization from me. Transunion, on the referenced date, provided my report without my written request to : FIG LOAN INC/FIG LOANS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Ph : ( XXXX ) XXXX FIG LOANS opened an unsecured fraudulent loan/account for $ XXXX {$540.00}, in my name without my authorization, my written consent, nor any executed application submitted by me. I never heard of this so-called company ever before. I disputed this loan with XXXX on XX/XX/2020, and also tried to call FIG LOANS INC/FIG LOANS at the provided number on at no avail. Either no one answers or the call triggers a recording.. This has been going on up since XX/XX/2020 when I filed the First Dispute with XXXX until today XX/XX/2020, almost One and Half months of AGONY. Their action has effected my life, my credit score and it won't go away ...!!! This is keep on being reported as delinquent to XXXX and it brought my credit score to below 600. I filed a Second Dispute today with XXXX  regarding the same. I was asked by XXXX to report FIG LOAN INC/FIG LOANS to CFPB for their Fraudulent Act they have created in my name. Also, when I googled XXXX  ( XXXX XXXX XXXX ), this company showed as having committed fraudulent acts in the past and all along. To All Consumers, PLEASE BE AWARE of FIG TREE INC/FIG LOANS  and seek caution and protection against them. I have never filled nor signed an application for any loans whatsoever with them, and their fraudulent actions has put a dent into my life, and ruined my impeccable credit of the last 35 years..!
Consumer complaint received 2019-04-12
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. (TX)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX   and XXXX/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2 and 3 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

This Debt was paid in full when they garnished my tax refund check in XX/XX/2013 I have contacted the the department of education on several occasions but they have failed to submit me the information validating the debt is very frustrating. I'm trying to buy a house and i cant get them to remove this negative information from my credit report. There is a big discrepancy on my report with Direct loan Consolidation as well which is very confusing both student loan companies are reporting inaccurate information. I was young at the time and didn't know the severity of this situation and how it affects my credit. Please help me with this situation as i try to progress to be a productive citizen.
Consumer complaint received 2020-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX placed a {$4000.00} collection on my XXXX credit report, which was purchased from Capital One. 

I have asked XXXX representatives on numerous recorded calls to send me statements detailing the charges on this defaulted card, because I believe many of the charges were fraudulent, not authorized by me, and a result of identity theft. 

Both XXXX and XXXX have deleted this fraudulent collection, but XXXX has not. I am demanding that XXXX, XXXX immediately delete this collection or face further legal consequences.
Consumer complaint received 2019-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (NC)

I have contacted JP Morgan Chase as my name has been reported incorrectly by them. This shows on my accounts as well as on my credit report. Somehow my middle initial was merged with my first name resulting in my first name now being incorrect. The first representative I spoke to ( on XX/XX/19 ) told me that I would have to visit a local branch with documentation to have the name change completed but the closest branch is over three hours away in a different state. This representative actually hung up the phone prior to the end of the call. The second representative I spoke to ( on XX/XX/19 )  was willing to assist me, but was unable to complete the name change as his system would not allow it.
Consumer complaint received 2019-04-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Credit Corporation (NY)

1. I have an Avant personal loan. For 6 months I have been making payments on time, they withdraw {$270.00} from my XXXX XXXX XXXX account. This works fine. 

2. I called them on XX/XX/2019 to make other arrangements to pay this month 's installment and they said I could use a credit card. Master  or XXXX. I gave them my MasterCard number, which had {$660.00} and change available credit. 

They said it was declined. They then put it through again after verifying the number and expiration date and 3 digit number on the back. They had also asked for my fill mane and address, my social security number and my phone number if I recall. They put it through again. It was declined again.

4. They suggested I try another card. I asked them if they could find out why it was declined and they said I had to do that.

5. I called my card provider and was informed their vendor ID had come up as being flagged as a gambling related operation which they would not honor. This is XXXX XXXX  supposedly reputable, or at least within the boundaries of the law?

6. I called Avant customer service back and they expressed sorrow for inconvenience and appreciation of my patience and that this is the " first time '' they had ever heard of such a thing, them being flagged as such and they suggested I try another Mastercard. I thought, not a good idea. They then suggested I deposit cash into my bank account so I can make my regular scheduled payment but I explained if I had cash I would have done so already basically.

7. I spoke to a supervisor and asked to speak to their legal department and they said they would register my issue with their higher up department but that would take up to 14 days before anything might happen.

In the interim, my concerns are : a ) I believe their customer service, offshore from what I can speculate, based on the accents and the boiler room background noise on the phone conversation, was phishing my personal information. 

b ) They are denying my the ability to pay my bill deliberately in order to charge me a late fee and or extra interest by making it as difficult as possible to pay them. 

c ) They may be guilty of predatory lending and or in violation of some law or another. Buyer beware I know, but this is just disheartening.
Consumer complaint received 2020-11-25
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: Experian Information Solutions Inc. (IA)

I uploaded a letter to Experian, XXXX and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. Experian, XXXX, or XXXX does not have any files to verify these accounts, nor will they delete it.
Consumer complaint received 2021-06-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC (MD)

I purchase my XXXX XXXX XXXX XXXX in XXXX from XXXX XXXX in XXXX XXXX Maryland, with an extended warranty. Unfortunately, I found out later ( 3 years ), my Car is in a class lawsuit against the ( XXXX ) engine, for oil chain causing major oil leaks, and there is no oil dip stick to check the level of oil, on this model, along with a under covering, so can not see any street oil leaks, and a malfunction on the interior computer dash to not show low oil. Unfortunately, thats what happen to me, and my cars engine locked up, while I was driving on the highway, Thank God I was able to pull over safely, because the car completely shut off, and never started again. I contacted XXXX  BMW in XXXX, XXXX, they informed me of the pending class lawsuit, and told me Bmw of America would pick up {$11000.00} of the {$19000.00} to replace the engine, and I have to pay {$7500.00} balance. Thats not fair to me, and was no fault of my own, I dont have that! I feel Im being bully! And I still have a car note with XXXX XXXX XXXX on this car
Consumer complaint received 2021-03-19
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)

I have submitted 6 rounds of disputes for inaccuracies on XXXX, XXXX  and transunion. I have not received any results. This started on XX/XX/2020. I have demanded they remove all inaccurate information as this is hurting me financially and emotionally. I have waited 45 days between disputes to allow time for mail delivery and I am not receiving results from these disputes. I have demanded my rights for fair credit reporting.
Consumer complaint received 2020-11-25
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. (CA)

XXXX XXXX XXXX, a collection company, re-aged an account and reported inaccurate and false information to TranUnion and XXXX  credit bureaus which is damaging my credit. 

My research into the issue revealed that the original medical account with XXXX XXXX was dated XX/XX/XXXX, almost a year earlier. XXXX apparently sold the debt to XXXX XXXX XXXX  during XXXX. 

XXXX XXXX XXXX  reported two different " Date Last Active '' dates, of XX/XX/XXXX to XXXX  and XX/XX/XXXX to XXXX. The two year payment history for this account is blank. 

I do not have knowledge of this account and certainly never consented to or took part in any activity to result in re-aging or any activity to occur during the year XXXX.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have submitted information to this company proving that I was XXXX  at the time that this credit card account was opened. I have also notified this company in accordance to 15 USC Subsection 1692 C that I refuse to pay for this account and to cease all communication regarding this account.
Consumer complaint received 2022-09-20
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: Atlanticus Services Corporation (AZ)

XXXX, XXXX XXXX, Fortiva and XXXX all showed up on my credit report as late payments and in collections. None of these accounts were opened by me. XXXX XXXX has 2 accounts for {$500.00} and {$1900.00}, XXXX has 2 accounts for {$900.00} and {$800.00}, Fortiva has an account for {$500.00} and XXXX has an account for {$2000.00}
Consumer complaint received 2020-10-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (GA)

My original loan officer referred me to PRMG due to the XXXX program being cancelled by a lot of companies during the Covid-19. I was pre approved and put a contract on a property on XX/XX/2020 everything was going fine with the new company Paramount Residential Mortgage Group up until the communication became EXTREMELY lax. Weeks would go by without any updates. My file was submitted to XXXX on XX/XX/2020 where it sat untouched until approved on XX/XX/2020, I paid for my appraisal on XX/XX/2020 and no-one picked up my file until or even looked at it until XX/XX/2020 for the appraisal to be done. By then Ive put up extra earnest money to extend the contract and there was still no since of urgency. Ive emailed and called my loan officer and loan processor on several occasions and do not hear back from either days at a time, I left messages with my loan originator boss 3 times before I could get a call back. Our conversation seemed to be going well and was told that he would reach out to the sellers team and inform them on what's going on since the processor nor originator could do. Well I don't believe that call was made because the seller sent over a termination of contract due to being under contract for 4 months and not producing a closing date and not communicating with them on my file. I completely understand the seller decision and highly furious as I've waited this long and losing my earnest money. Not to mention that my lease is up and I'm going to have to sign another lease which I did not want to do.