davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was BANK OF AMERICA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account XXXX XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2021-01-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

On recorded phone calls ; I was given different pay off balance amounts of a {$0.00} balance in the XXXX of XXXX on several occasions when I spoke to the Select Portfolio Servicing representatives. I was also told on several occasions that my balance would be {$60000.00} on XX/XX/XXXX. Then I was provide in XXXX that I would have to refinance or get a new loan of {$200000.00} in XXXX of XXXX. 

Some of the representatives that I spoke to were argumentative that they were right and I was wrong and if I was provided misleading information on the mistake of a representative that was most likely fired. I requested to hear or have someone in management review these recorded calls where I was provided misleading information regarding the alleged loan balance the I felt was paid off. I was denied of these requests for review of all of the recorded calls of the misleading information over the years that I made on time monthly payments to Select Portfolio Servicing, LLC. I also requested information on who is the owner of the alleged {$200000.00} note that Select Portfolio Servicing which I learned it was a part of MERS. During my research I learned this note was a part of the robo signing scandal where the chain of title was broken from whom the actually is the note holder. 

Furthermore, I had an official secularization audit down on the loan for XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX that highlighted the loan was securitized and paid off. I am disputing the amount of the payoff of {$200000.00} has I had to sell my house in XXXX as of a result of not being able to refinance to payoff the alleged {$200000.00} balance.
Consumer complaint received 2019-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (HI)

I hae a Citicard, Costco Anywhere card. I have tried on several occasions over the past month to get a replacement statement for XX/XX/XXXX. On each of three occassions they promised to send another one. We never received.it. It became such a problem that a supervisor gave us a XXXX dollar credit on XX/XX/XXXX. As of today we still do not have a statement. They continue to lie about sending one. It seems unfair that they can send tons of promotional material but will not email me a copy. I spoke with them again on XX/XX/XXXX and was told if I setup an online account I could see one there. Exposing my personal information to the internet is not fair either. But I need the statment so I complied. I requested it on Saturday and on Wednesday XX/XX/XXXX it was listed there but i could not open it. I called in again spent over 40 minutes on the phone and demanded it. Once again they said they can not email it they never mailed it and would not credit my account again. Why are they allowed to lie on the phone. Why are they allowed to send unwanted emails but will not send my statement. They couldn't even fax the statement. I was faxed a list of charges but on cover letter they said they can not fax a statement. The fourth lie by a supervisor. What else are they hiding and over charging for?
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX
Consumer complaint received 2022-12-30
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX, Equifax, and 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 a account without my written instructions. Accounts XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, and XXXX XXXX XXXX Acct # XXXX are in violations. 

According to 15 USC 1681i XXXX, XXXX, and Equifax shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Account XXXX Acct # XXXX has be verified as accurate and updated but yet hasnt updated status as disputed and XXXX has the account listed as open when its closed. Evidence provided below
Consumer complaint received 2019-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

I had an online friend ( XXXX ) real name he told me was XXXX for 2 years that scammed me with a money flip scam over the internet. He was very persistent and kept telling me he had a really big job as a XXXX XXXX and he made XXXX every 2 weeks. He recently bought a house with a girlfriend and that's why he needed money for food. He first asked for XXXX he was giving me options and finally we settled through zelle using my XXXX  XXXX XXXX account he got really excited about zelle. I didn't think at the time why zelle but now I found out that zelle unlike XXXX has zero fraud protection. He then said this was my chance to make some big money so I should send as much as I can so then I sent XXXX. He said he would give me XXXX XXXX XXXX on Thursday. Then literally the next day he told me to be a good friend again and send him XXXX dollars so he could take a plane ticket to go see his girlfriend because her mom just had a XXXX XXXX and he wanted to be there for her. He said if I didn't help him with XXXX there was no way he would be able to pay me back but if I did give him the money I got get back XXXX so I thought about it and realized I was already XXXX dollars in with this guy 's scam and was scared because he threatened to not pay me back if I didn't comply so like an XXXX I did again. Right after he scammed me out the money he started avoiding me and blocked my phone number I tried a million times to explain to him that if he needed money he could've just told me and I would've helped him with what I could. But instead he decided to scam me out of all my money and now I feel like an XXXX thinking I could've made XXXX. I tried calling zelle and reporting what happened but they said they can't do anything about it. I tried telling them that I have proof of what he did and they know both or accounts and the proof coincides with the text messages but they want to treat the scam like its not a scam and I just decided to openly give all my money to someone I've never even met with or him using malicious tactics.
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ICSYSTEMS would verify the debt. So I took it upon myself to ask ICSYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-01-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I have a home for a year now .the bank claimed my taxes increased I showed them the proof from my city that it did not and they refuse to rectify it. I have gone back and forth for a month now. I am aXX/XX/XXXXworking covid cases and a single parent .This is abuse from the bank. I have never missed a payment.
Consumer complaint received 2021-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc. (FL)

On XX/XX/2020, XX/XX/2020 XXXX, XX/XX/2020 I reach out to this company about debt in the amount of {$3000.00}. I contacted credit bureaus about this debt but fell to remove this debt from my credit report
Consumer complaint received 2021-01-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In 2002 I took out a loan with XXXX XXXX XXXX. During that time I paid the loan off I moved a few times. I never received my boat title. 
XXXX XXXX XXXX  in Texas has been sold out to Capital One. I do not know my account information and only have a non-negotiable Texas Certificate Of Title and paper work from where I bought the boat. 
I've been to XXXX  XXXX XXXX  XXXX and it still shows a lien on the boat. I have reached out to Capital One three times and have had no luck. 
I have given them my name, SS #, date of birth and even with that, they have not given me any information. 
Thank you
Consumer complaint received 2021-01-25
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. (NY)

So as I stated in my previous complaint these fraudulent student loans are reporting late payments mind you they are fraudulent. Experience has recede my police report I still have the police report number which is XXXX with the XXXX police dept in XXXX, ny XXXX phone XXXX XXXX. I lost my ID and a multiple years ago I never thought to make a police report until I'm trying to get my 1st home in I noticed that there were student loans which were deemed fraudulent. I have been trying to resolve this matter for over 4 months XXXX has been compliant in the removed every account from my credit report Equifax & XXXX are the only fools who are non compliant as of right now. Please I'm begging you. HELP ME
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lockhart, Morris & Montgomery Inc. (GA)

15 USC section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan a late for any purpose
Consumer complaint received 2024-10-09
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. (TX)

I am rewriting to refile this complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2022-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MA)

XX/XX/XXXX US Bank increased my escrow withholding {$980.00} each month ( {$11000.00} per year ) My total increase in Home Equity Insurance and Property for the same period increased {$690.00} XX/XX/XXXX US Bank erroneously projected a low balance of {$4400.00} based on incorrect calculation of my home owner 's insurance {$100.00} XX/XX/XXXX XXXX XXXX XXXX  withholds {$3800.00} as prepaid Home Owner 's Insurance XX/XX/XXXX US Bank Increased " Required Low Balance '' to {$2700.00} a 38 % increase from XX/XX/XXXX XX/XX/XXXX US Bank fails to abide by the XXXX XXXX stipulation " The sale of your mortgage loan to XXXX XXXX does not affect ANY TERM, payment or condition of the mortgage " by raising my " escrow unreasonably to usurious amount XX/XX/XXXX US Bank demands payment of {$700.00} to drop them from paying my own property taxes and homeowner 's insurance also failing to abide by XXXX XXXX XXXX XXXX Agreement
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2021-07-14
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. (TX)

I have been requesting information from the three credit bureaus and the company 's that are using my name, social and other information to report false and fraudulent information to them, on my accounts. Since XX/XX/2021, I have been attempting and begging them to show me what the debt is for on my credit reports because I have not opened these accounts at all I suffer from identity theft. These companies have been no help at all explaining the charges and the origination of the accounts. They are continuously sending a balance and nothing else. They are failing to place the accounts in dispute status, they are failing to investigate and comply with the FCRA, I have submitted Identity Theft Affidavits, Police Reports and explanations of my situation and they continuously overlook my situation and set automated responses. This is hurting my financial discretion, I am unable to get a car, a home, and credit opportunities because someone has opened false accounts and information using my name. I have not applied for no benefited from these accounts and the companies are not assisting me fairly to establish the documentation they receive to open these accounts and what addresses were used.
Consumer complaint received 2021-01-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I received a pay day loan for XXXX. Dollars I paid {$13000.00}, I paid what I thought I owed, to XXXX XXXX XXXX XXXX, they repossessed the vehicle, I paid the payoff, and only owed {$1500.00}. XXXX, dollars. That was in 2013, now they reappeared on my credit report and are now harassing me and ruined my credit for arbitrary leading reasons. For {$15000.00} XXXX dollars I need this stopped and deleted off my credit report please help.. They need to be put out of business for these types of fraudulent title loans.
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capio Partners, LLC (KY)

I have two bills on my credit report and they are not accurate. I have had health insurance for 4 and half years its showing I owe a full balance. This hospital is also closed now and has been for two years.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

Applied for credit card online from Citi and received denial letter. Letter stated " your existing or previous account with us has a history of late payments '' based off of XXXX report. Requested XXXX credit report, to review and found 0 late payments.
Consumer complaint received 2019-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (TX)

XXXX XXXX erroneously charged me for a 2nd account when I moved in 2017. They then turned me over to Credit Protection Association of XXXX TX, a collection agency. I disputed the charge with XXXX. CPAssoc & XXXX. 
I paid my last bill of {$170.00} on XX/XX/2017 for XX/XX/2017. Then paid {$33.00} for the 1st week of XX/XX/2017 after I moved. 
XXXX screwed up by shutting off my service 5 days early - on XX/XX/2017, so they opened a new account for the next 5 days.These unpaid charges should have never existed. 
The collection agency refused to discuss the problem. XXXX   evidently contacted only the collection agency.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

On XX/XX/XXXX, I paid my monthly car payment to XXXX XXXX XXXX via their app as I have every month - using the same bank account - as I always have. 

On XX/XX/XXXX, my credit monitoring services started alerting me to delinquent account from XXXX XXXX XXXX. This one error plunged my credit score by in excess of 25 points on all three credit bureaus. 

I checked my bank account and no payment had been presented- and even if it had, my bank would have paid the overdraft. In addition, in the 20 days, XXXX XXXX XXXX never alerted me - via phone call, text, email or even within the app - that the payment had failed due to the faulty app. This error caused my auto payment to be marked as delinquent when it was not. 

XXXX acknowledged that the error was theirs and that they had been having problems with the app. The customer service rep told me she sent a corrected credit market to the 3 credit bureaus to correct this problem. I explained that I needed this corrected immediately ( within 48 hours ) as I had applied for a mortgage, and had paid all my credit cards off to enhance my credit score, in preparation for my monthly update to my credit score on XX/XX/2021. 

I have checked incessantly and this error has not been corrected. In fact, a call to XXXX XXXX XXXX indicated that I would have to write a letter - and send via regular mail -explaining the error to get it corrected. This is unconscionable. 

Please get this derogatory credit mark off my credit report as soon as possible - my mortgage and earnest money deposit are in jeopardy.
Consumer complaint received 2021-01-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX
Consumer complaint received 2022-06-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: A & J COLLECTION (CA)

Today I received a call from XXXX who claimed to be a collection agency ( I believe they said A & J Collection ) that a debt of mine was given to them. Said it would go on my credit today and could not tell me what it was for. Said it was {$500.00} and had to be paid or would go on my credit. They said some bill from Florida which I have not been to. 

Make me nervous as they had my SS #, my date of birth, my address and some company I run a business. 

I asked for a number to call back and they gave me a non existent number XXXX. When I questioned the bill, he finally just hung up on me. When I called the XXXX they pick up and say they are some credit company and when I start questioning who they are they hang up on you. 

Obviously getting or stole personal information and trying to steal money from innocent people who worry. Please get this number disconnected and reported.