davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

I was charged more than the original loan amount by XXXX, loan # XXXX. The payment history showed I paid the principal amount off XX/XX/XXXX. I disputed the final payoff of XXXX due XX/XX/XXXX. I asked them to review the payment history which showed that I had paid off the principal already. They transferred the loan to Bank of America, loan # XXXX effective XX/XX/XXXX. Bank of America sent me a payment notice. I contacted Bank of America and was assigned XXXX XXXX, XXXX ext. XXXX to help resolve the complaint. She had difficulty resolving the problem because XXXX did not provide the full records as requested. After dealing with the problem from XX/XX/XXXX to XX/XX/XXXX and not getting the problem resolved, I sent them what they said I owed. I was told no late charges would be accessed and no late payments would be reported to the consumer bureaus. The account was reported as 60 days late by Bank of America.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Incorrect Charge-Off Reporting Account Number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Extra Dear Sir/Madam, I am writing to formally dispute the charge-off reported on my credit report for the account listed above. According to the information I have received, this account has been inaccurately reported as a charge-off, which I believe is not correct. 
As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request that any inaccuracies or incomplete information on my credit report be corrected or removed. The charge-off reported does not accurately reflect the status of the account, and I believe it was either reported in error or is based on outdated information. 
I respectfully request that you investigate this matter under the guidelines set forth in the FCRA and remove the inaccurate charge-off from my credit report. Please take the following steps to resolve the issue : 1. Verification of the Charge-Off : Please confirm with the creditor or debt collector that the account was actually charged off, and provide documentation that proves this status.

2. Provide Evidence : If the account was reported incorrectly, kindly provide a copy of the documentation that shows the charge-off was inaccurate or mistaken. 
3. Removal or Correction : If it is found that the charge-off is inaccurate, I request that the incorrect information be removed immediately from my credit report, as it is adversely affecting my credit score.

If you are unable to verify the accuracy of the charge-off or provide appropriate documentation, I ask that the entry be deleted from my credit report entirely. Please ensure that the necessary corrections are made promptly in compliance with the FCRA guidelines, specifically Section 611, which mandates that disputes must be resolved within 30 days.
Consumer complaint received 2018-04-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc. (CA)

I was billed for XXXX from XXXX. The bill was late and sent to a collection agency. I made arrangements with USCB agency and successfully completed payments. The arrangement was made that if payments were made timely no collection acct would be put on my credit report. This was done over a year and half ago and was all successfully paid and completed then out of nowhere USCB places a collection on my account last month and shows it still owing. I contacted USCB and they said to contact XXXX. I contacted XXXX and they said to contact USCB. Neither party is helping but both parties acknowledge acct is satisfied and there is no amount owing. Please help me in getting the attention of USCB to remove this from credit and to not be erroneously placing collections on my credit report. How can I pay it almost two years ago be fully satisfied as agreed upon and then they out-of-nowhere put an erroneous collection on my credit? please help. XXXX
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (MI)

I had three accounts with Navy Federal Credit Union, and due to financial hardship in XX/XX/XXXX, I fell behind on my payments. A settlement was paid in XX/XX/XXXX on all three accounts and the remaining balances were charged off.

I reached out to NFCU in XX/XX/XXXX, because my accounts are still being reported to the credit bureaus as still owing the balances that were charged off. I was assured by the Collection Department representative I spoke with that I no longer owe NFCU on these accounts or these balances, and they resent me letters in the mail dated XX/XX/XXXX, stating the payments made in the settlement of these accounts and that no further collection activity will occur.

I attempted to dispute the incorrect information on my credit reports ( that there is a XXXX balance as a settlement was paid ), but it is still being reported on my credit report that I owe the charged off balances.
Consumer complaint received 2024-11-01
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. (FL)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to formally request the blocking and deletion of specific accounts and inquiries on my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have all unauthorized items removed immediately. 
Accounts to Be Blocked and Deleted : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-18
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: EQUIFAX, INC. (VA)

On XX/XX/2017 I went to a car dealership with hopes of purchasing a new car. I requested that the car dealership only run my credit through 1 company. After checking my credit report I noticed they shopped my credit report to 10 different companies. I did not authorize this.
Consumer complaint received 2018-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

On XX/XX/2018 I receive a letter from XXXX XXXX about a debt they said I owed. I have no accounting of such a debt being owed to them or the original creditor. So I sent the a Debt Validation letter via Certified mail on XX/XX/2018 and was signed and delivered on XX/XX/2018. To which I never received any response and then today I go onto my credit report on XX/XX/2018 and see that they have been added to my credit files XXXX XXXX, XXXX, and XXXX. According to the law they can not report a debt that they never sent a validation for. When I received the letter I sent certified mail a validation letter which they ignored. Now by placing this debt on my credit file they are breaking Federal Law. I expect this to be removed immediately seeing as they are violating FCRA and Federal Law. 

On top of all this then when I submitted a complaint via CFPB they had the audacity to say that I must have been looking at an inquiry on my credit report and that they had NOT reported it to the credit bureaus. ( see attached ) Which very clearly they have as you can see from the attached documentation of my credit file. 

Once again I expect this to be deleted from my credit file ASAP.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2018-04-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have never had a contract or agreement with Portfolio Recovery Associates. The company has not provided verifiable proof supporting validity of the debt they are attempting to collect on. Although Portfolio Recovery has failed to provide a copy of the complete account history, the original agreement, or any other adequate documentation confirming validation, their repeated attempts to collect on the alleged debt continue. Their collection appears on my credit reports along with credit inquiries dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - none of which were consented to or authorized by me. These appear to be violations under the Fair Credit Reporting Act.
Consumer complaint received 2018-04-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

My mortgage was recently sold to a new mortgage company. We were notified by the seller within 15 days of the transaction, but heard nothing from our new loan company until XX/XX/XXXX, 19 days after our first mortgage payment to the new company ( Freedom Mortgage ) was due! Remarkably, this first communication was to inform us that we were late on our account! Because of this delay in being billed we actually assumed the first bill was going to be for XX/XX/XXXX, only later to learn that it was actually for a back payment. But because we had the legal 60 day grace period in which they could not charge us a late fee, we were not too concerned. We had trouble logging on early in XX/XX/XXXX when we went to pay it, and did not finally get the payment made until XX/XX/XXXX, paying for the months of XX/XX/XXXXand XX/XX/XXXX, but still within the 60 days.

On XX/XX/XXXX, my wife was stopped by someone from another realty company who handed her a letter, would not say whom it was from, and proceeded to take pictures of my wife and our home. After opening the letter from this strange man, we saw that he was acting at the behest of Freedom Mortgage informing us that our payment was late, despite the fact that our check cleared the day before the man showed up to our home. My wife called Freedom Mortgage to make sure this was legitimate, and she was told that we would be assessed a fee for the home visit. I knew from our legal rights this was not proper, and called today to make sure the fee was removed. I was informed that this was not technically a late fee, so they could charge it. But that's clearly what it is -- we were charged a fee because we were late ( which we were not, as we were within the 60 day grace period ).

I filed a complaint with Freedom, and they told me they would open a case, but refused to remove the charge right away. It is only {$15.00}, but this is a matter of principal to me, because if they will do this to me, they will do it to anyone. I can tell already that I will not have a positive experience with this company. Consumers should have the right to protect their loans from being sold to companies like Freedom Mortgage that do not abide by the law. I need to know the next steps to ensure that I am not falsely charged this {$15.00}, and what rights to compensation I have for all the time and energy I'm having to waste to stop Freedom from violating the law.
Consumer complaint received 2018-04-03
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Risecredit, LLC (MO)

XXXX XXXX XXXX has called me in attempt to collect a debt for Rise Credit. Rise has not contacted me at all regarding debt. I just started receiving phone calls from XXXX XXXX XXXX on XX/XX/18 stating that I owe ~ {$2900.00}. I have received several phone calls since then. XXXX XXXX XXXX are illegally trying to collect funds from me because they are not licensed in Missouri to collect.
Consumer complaint received 2018-04-03
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: Premium Credit Bureau (TX)

On XX/XX/2018 a hard inquiry was found on my XXXX and XXXX  credit report. The inquirer is Premium Credit Bureau. I did not authorize this inquiry. I have contacted the company but have not received an answer.
Consumer complaint received 2018-04-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (MI)

This company is not licensed to collect debt in Michigan. The companys name is Hunter Warfield. 
Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Amount : {$4600.00} This company is attempting to collect a debt that is not owed to them. I never signed any agreement with this creditor. They called me multiple times & harassed me to the point where I had to change my telephone number. This company is also reporting on my credit bureau reports. I attempted to have the debt validated and the company was unable to validate it with a signature page.
Consumer complaint received 2018-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MI)

Sunday, a withdrawal came through my account, automatically. When the law changed during the Obama administration, the bank asked me whether I want my overdrafts covered or not. I said not. I've incurred a XXXX fee and a XXXX payment to a company I ended business with several months ago. Both should had been refused. I want my XXXX returned to my account. Overdrafts are NOT to be paid under any circumstances. 


Thanks.
Consumer complaint received 2018-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX, Equifax XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately.The XXXX account just sent me a letter stating they would remove these accounts its been 30 days and they are still here. The medical said it wasn't there debt so I want it gone too. I attached both letter as proof. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. {$180.00} 2.Cell Phone Bill XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00} {$340.00} XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$480.00} {$480.00} Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-02-17
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, Transunion, XXXX   XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately.The XXXX account just sent me a letter stating they would remove these accounts its been 30 days and they are still here. The medical said it wasn't there debt so I want it gone too. I attached both letter as proof. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. {$180.00} 2.Cell Phone Bill XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00} {$340.00} XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$480.00} {$480.00} Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NV)

Private student loan showing as in default/in collections. Chapter XXXX bankruptcy was filed 2 years ago and this item still shows up. Currently in process of trying to obtain approval to obtain a mortgage to purchase first home via VA loan and this is causing serious issues
Consumer complaint received 2018-02-17
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: Experian Information Solutions Inc. (MI)

I recently checked my credit report and noticed a couple inquiries on the report that should not be on there. Ive listed them below with the reason I believe they should not be there. They need to be deleted as they are inaccurate. Also, if the bureau says they are accurate, they must provide proof under the FCRA. 

XXXX XX/XX/XXXX DO NOT RECOGNIZE THIS AND DO NOT HAVE AN ACCOUNT WITH THIS BANK XXXX XX/XX/XXXX I BELIEVE THIS IS A DUPLICATE PULL AND MUST BE DELETED AS I DID NOT GIVE MY PERMISSION XXXX XX/XX/XXXX I BELIEVE THIS IS A DUPLICATE PULL AND MUST BE DELETED AS I DID NOT GIVE MY PERMISSION Again, if this inquiry was pulled with my permission, please provide proof. You can not provide proof as I did not authorize.
Consumer complaint received 2018-04-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I opened up an account in XX/XX/2018 with Bank of America and they sent me an account number and card. I sign up with a {$100.00} promotion they were offering, which required setting up direct deposit. After setting up direct deposit through my employer, one {$250.00} direct deposit went through and then Bank of America froze the account so the other {$250.00} deposit would not go through and then closed my account. I called XXXX and spoke to XXXX and she could not give me a reason for closing the account. 

It is unethical to offer a promotion and open up an account for someone, and then as soon as they meet the requirements you close their account before delivering the promotion.