davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-20
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In 2015 BofA suspended my home equity line of credit because my credit scores had dropped. I had never been late on any payment and there was a XXXX balance at the time. I inquired about the issue and was told my scores needed to be XXXX or above. I paid a 3rd party to help with this and increased my scores to between XXXX & XXXX ( current ). I requested reinstatement of the equity line from BofA and it was rejected. I just refinanced my home with a different lender and was charged {$450.00} to close the suspended equity line, plus {$39.00} for the payoff amount request. The suspended equity line was continuing to damage my credit, BofA would not reinstate it even though I had raised my scores well above the level they said acceptable. I understand charging to close an active home equity line of credit, however, suspending the account, damaging my credit with that action, and not allowing me to close the account without charging me {$480.00} amounts to extortion. I would like a refund of the {$480.00}.
Consumer complaint received 2024-08-02
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. (OK)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2017-05-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

We have originally opened up a short sale file on the property for loan #  XXXX  on  XXXX / XXXX / XXXX . After numerous delays, we finally received approval on  XXXX / XXXX / XXXX . However, the offer had to be revised due to an appraisal issue. It is currently  XXXX / XXXX / XXXX  and  Wells Fargo  still has not offered us a revised approval/ decision quoting ongoing variance. Taking over 4 months for the new review has jeopardized this deal, and it should not take longer than getting the initial review!
Consumer complaint received 2016-05-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cedars Business Services, LLC (NY)

Title 15 US Code Fair Debt Collection Practices Act. XXXX XXXX knowingly sent a debt that is not owed to them to collections resulting in the matter being placed on my credit report. 

When I found the item on my credit report. I started investigating, I called the college first then Cedar Collections. I was met with a rude and harassing debt collector who failed to use mini Miranda, failed to properly verify identity of consumer. Instead of having me confirm id, the collector asked closed ended questions, to which I answered yes or no. My information was released then I was offered the ability to affirm. ( Privacy - possible Violation Oxley Act definitely a violation of the FDCPA Fair Debt Collections Practices Act when the Collections Agent from Cedar called me back within 1 hour of the call I made to them. The collector immediately started a conversation with me without confirming identity. I asked what his purpose of calling was except to harass me and I pointed out that we just spoke and to call an alledged debtor back within 24 hours is a violation of FDCPA. I told the agent it was not a valid debt for many reasons, the class was dropped and I was locked out within the first week of classes due to financial aid not lining up as expected. So the college is trying to get paid for a product they did not provide and the collection agency is using a citation on the credit report to threaten a consumer. Extortion, Possible multiple violations of US Codified Law US Code 15 FDCPA and FCRA Harassment. Even after I started speaking with the recovery agent I gave great detail the issues surrounding the matter The agent implied I was lying making statements such as " Well, that 's not typically what happens, sir. '' was the response more then once. So there was an implication that I was lying. A debt collector can not legally use phrases like this, I felt very harassed. If this company has recordings like it should, then this is recorded. I mentioned the matter should be sent back to the client and I never received a XXXX or docket letter from this company. I had to 90 day period of time to dispute. I am discussing this matter with an attorney. I received an email from the college informing me to dispute this matter with the collection agency. I did verbally I should not have to do anything else. I just had a XXXX and I can document that I believe my XXXX was brought on in part due to this..
Consumer complaint received 2017-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (TN)

FedLoan Servicing ONLY allows for payment via a bank account and insists on me providing them with my bank account and routing number. I have the full ability to pay back my loan and would like to pay, but DO NOT want to give out my bank account and routing number because I feel that is not a secure method of payment. I would feel safer paying online with my debit card as I am able to do with all of my other bills, but that is not an option with FedLoan.
Consumer complaint received 2024-08-02
Product: Credit reporting 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. (FL)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1861 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse hem of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 16816-2 ( A ) ( a ) A person shail not furnish any information rolating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to information is inaccurate. Delete these hard inquiries accounts below XXXX XXXX XX/XX/2024
Consumer complaint received 2016-04-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Data Systems (NC)

On XXXX/XXXX/2016 Financial Data Systems " Collection Agency '' stated in writing that they would DELETE XXXX collection accounts that I was disputing if they were paid. I paid the disputed amounts by credit card to resolve the matter and received a letter stating they had requested the accounts be deleted. However, after seeing that XXXX of the XXXX accounts had not been removed from my XXXX Credit Report as agreed. I filed a dispute with XXXX and provided the letter from Financial Data Systems. Today, I was informed that the Financial Data Systems has responded to the dispute but had not deleted the account as agreed! I called Financial Data Systems and the representative stated that if I Paid {$75.00} they would delete the account within 4 Business Days! This is extortion and a violation of both Federal and State Laws!
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this bankruptcy should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the bankruptcy still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data.
Consumer complaint received 2024-08-09
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: Experian Information Solutions Inc. (TN)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2016-04-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am on the end that suffers the most, I am innocent but the reporting agencies never make a mistake according to them, they can go on and on and after they XXXX up your life for a yr. or XXXX they say oh we made a mistake sorry, the biggest scam now is credit fraud, how do we know its not coming from the reporting agencies ill bet on that
Consumer complaint received 2016-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (CO)

Our mortgage was sold to XXXX Mortgage servicing. We sold our old home.The first week of XXXX I contacted them to " recast '' my mortgage. I placed many calls, and was given an astonishing amount of bad information, no action was done, and they would not return my calls. 

Finally, after realizing they would not communicate or cooperate with me, I decided to simply pay off the mortgage. 

I have paid off mortgages, so getting the payoff amount is a simple process. I paid the principal because they would not give me a payoff amount. They will not give me any interest not covered, or any information about my escrow account. 

We are now in the XXXX month of trying to take care of business. This neglect would not happen if they were trying to do a legitimate business. A real business solves problems, and takes care of basic processes. 

I therefore suspect that they do things they way they are doing because it obviously suits their interest. 

This makes me suspect fraudulent business practice. I can think of no other explanation.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On XX/XX/XXXX and XXXX, 2024, I deposited XXXX checks from my husband 's XXXX XXXX  account into my HSBC savings account. XXXX check was for {$25000.00} and the other was for {$16000.00}, totaling {$41000.00}. On XX/XX/XXXX, my HSBC account was suspended. When I called HSBC, they informed me that they needed five business days to review the transaction. 

On XX/XX/XXXX, after their review, HSBC decided to close my account and return my money. I was extremely upset because I have done nothing wrong and can provide ample evidence to prove that my deposits are legitimate and not related to any fraud. However, HSBC did not consider my explanations and insisted on closing my account. 

HSBC stated that the {$41000.00} would be returned to my husband 's XXXX XXXX  account, but they did not provide a timeline. Additionally, I have {$100.00} in my HSBC checking account, and they have not informed me when I will receive those funds. On XX/XX/XXXX, HSBC customer service told me that the money related to the checks had already been returned to my husband 's account. However, when my husband checked with XXXX XXXX, they confirmed that the funds had not been received yet.
Consumer complaint received 2017-01-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (FL)

this is a cable bill that was CANCELED and paid with all equiptment returned undamaged. I told them repeatedly that the equiptment was returned at the corporate location drop off. They are billing me for XXXX cable boxes that were returned. The final bill was paid and come to find out that the debt was RESOLD after it was resloved and paid. I have asked repeatedly to remove the negative marks and the hits for my credit score and I was told they will continue to call until I pay it over again. Then I was in tears and the lady laughed and hung up on me. This was paid in XX/XX/2015 along with XXXX other debts.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I recently reviewed my credit report and noticed an inaccurate reporting of a late payment under my credit file. The payment in question was made on time. 

Specifically, my report shows a late payment for XX/XX/year> for the account XXXX XXXX XXXX  XXXX XXXX account number XXXX. This is incorrect, as the payment was made on time. 

Please investigate this matter and update my credit report to reflect the correct information. 

Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2017-01-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (TN)

In 2005 I opened and account with Household Financial. I borrowed {$5000.00} from them. Year to date I have paid them approximately {$14000.00} back and they are constantly reopening my case suing me for what they are calling interest. I have paid back three times the money I owed with a case that is over 11 years old.
Consumer complaint received 2017-01-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Central Holdings, LLC (AL)

Credit Central South XXXX XXXX XXXX XXXX XXXX XXXX their phone is XXXX. This is a loan company that harass me and my mother. I received a checked in XXXX. The due date for the first payment was XXXX XXXX XXXX. They start contacting my mother which she 's my reference XXXX XXXX. Never called me and called my reference too early. Then they start coming to my house which my XXXX XXXX daughters are there. I was at home on of times they came by. They viewing really long and hard and more than one. The last visit to my house was today while I were at work. Please contact me to let me know what I need to do next.
Consumer complaint received 2024-08-02
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: Experian Information Solutions Inc. (NC)

XXXX XXXX  is an inaccurate account on my credit report. XXXX and Experian both stated that they have validated this debt, but that is absolutely a lie!! The balance being reported on my credit report is over {$20000.00}, however my statement balance with XXXX is just over {$12000.00}. I have submitted dispute after dispute after dispute to get corrected. I have even attached proof the balance being report is inaccurate, but the dispute results continue to be returned validated. 

It is against my rights based on FCRA to have inaccurate information reporting on my credit report. This inaccuracy needs to be removed immediately. 

Experian has even denied my ability to dispute this inaccuracy and will not accept another dispute. I have called and spoke with several representatives, none will assist me with thus.
Consumer complaint received 2016-04-20
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I made payment arrangements on XXXX XXXX Calls started up on XXXX XXXX I returned one call to explain payment arrangements were made. Supposedly it was n't documented correctly and she fixed it. I received another call. She said she would make sure the number was removed and it would n't be a problem again. A third call was made- again the claim that it was not documented correctly. This is harassment. I owe less than {$260.00} and said I make the payments until the debt is settled.
Consumer complaint received 2024-08-02
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. (GA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2017-01-29
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: The Receivable Management Services LLC (NM)

Medical procedure was paid for by XXXX/XXXX back in XX/XX/XXXX. In XX/XX/XXXX, 5 years post-procedure, we rec 'd letter from debt collector Receivable Management Services Corp., asking us to reimburse XXXX/XXXX for the cost of the procedure ( XXXX ). We wrote them a letter to cease and desist, due to the time elapsed since the procedure, and that it was paid by XXXX/XXXX originally. Seems odd that this is now happening 5 years after XXXX/XXXX paid for it.
Consumer complaint received 2017-01-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I PUT A CREDIT ALERT ON MY CREDIT FILE, AND SEVERAL INQUIRES HAVE BEEN REPORTED ON MY REPORT THAT I DID ; NT APPLY FOR OR AUTHORIZE..CREDITORS ARE SUBMITTING INQUIRES MULTIPLE TIMES SOME AS MANY AS 4, BUT I DID'NT AUTHORIZE IT..I HAVE CONTACTED COMPANY 'S AND ASKED THEM TO PLEASE REMOVE THESE INQUIRES THAT I DIDNT NOT APPLY FOR NOR DID I AUTHORIZE..HAVE CONTACTED CREDIT BUREAUS ON SEVERAL OCCASIONS AND STILL TO NO AVAIL..THEY HAVE REMOVED THESE FRAUDULENT INQUIRIES..I 'VE CONTACTED ALL 3 BUREAUS..BUT THE MAIN ONE IS TRANSUNION..
Consumer complaint received 2016-12-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NJ)

Medical bill stemming from a motor vehicle accident XX/XX/2013. 
Entire bill was paid from medical bill lien {$5700.00} dollars ( Copy Enclosed ) and account is settled in full. 

This is the second attempt to collect this debt from this XXXX office.
Consumer complaint received 2017-01-29
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

The mortgage company that handles my home loan ( PennyMac ), is not reporting my account status correctly to any of the credit bureaus. I filed for CHAPTER XXXX BANKRUPTCY in XX/XX/2016. During the process, my attorney and I requested a reaffirmation agreement from PennyMac. They never responded and never requested one be filed. They continued to send monthly billing statements as per usual, so no problem was ever realized. Only after my bankruptcy was discharged, did I come to find out, that PennyMac now reports my loan and " DEROGATORY/CLOSED ''. Both myself and my attorney have reached out to PennyMac, with no positive outcome to come from the communication. I have continued to make my monthly mortgage payments on time. My account is and has been paid up to date.