davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I'm filing this complaint regarding inaccurate late payments on my credit record. After reviewing my report, I found these erroneous entries. I sent letters addressing this issue over 30 days ago but have received no response or satisfactory validation.
Consumer complaint received 2024-10-09
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. (TX)

This morning, unauthorized inquiries appeared on my credit report, and I dont understand how. I always check my report regularly, but this time, discrepancies suddenly showed up. I thought it was just a browser issue and tried refreshing, but the inquiries didnt disappear. I need this resolved immediately, and Im asking for the documents I sent to be thoroughly reviewed so I dont have to worry about it anymore.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

There are two accounts that need to be removed which are XXXX XXXX # XXXX {$1500.00} I do not owe anything on this account please remove XXXX XXXX # XXXX {$650.00} account has been paid and per the company they sent a request over for your company to remove please remove
Consumer complaint received 2018-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (WI)

Every few months, I get calls from debt collectors, MRC Receivables ( XXXX ) for a debt owed by XXXX XXXX ( I'm guessing the previous owner of my phone number ). This has been going on every few months for the past 6 years. Every time I inform them that she no longer owns my number ( XXXX ). This morning, XXXX   around XXXX  I received another robo-call from them stating they have a legal case against me ( not stating who the case was against ) and to call them back.
Consumer complaint received 2018-04-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USI Solutions Inc. (TX)

On XX/XX/XXXX I received an email from USI Solutions , Inc demanding payment for a loan. After them that this was paid off, I received two emails dated XX/XX/XXXX from USI Solutions stating that the account was closed. On XX/XX/XXXX I received a phone call from a collection agency and because I wasn't sure if they were inquiring about the sane account, I called USI who proceeded to tell me that the file wasn't closed and that they were going to reopen it. I asked them to give me 24 hours to get home and research my records and that I would call them the next day. On XX/XX/XXXX I called USI back and agreed to a settlement of {$500.00} post dated to XX/XX/XXXX which would allow me more time to prove this was paid. 
I called USI today, XX/XX/XXXX at XXXX CT to let them know not to process that {$500.00} payment which was due on XX/XX/XXXX and I wanted to request A Verification of Debt letter. The operator said that she could not process my request and that she would have an account manager call me back within a few minutes and he/she would discuss the matter with me. I never got a call from USI so at XXXX I called them back and spoke with another operator who congratulated me on making my payment and asked if I was calling to get my paid in full letter. I informed him that the ACH payment arrangement was for this coming Friday XX/XX/XXXX to which he responded that the payment was made today Tuesday XX/XX/XXXX. I then told him that I called earlier to stop the payment and was promised a call back and during that time his company went ahead and processed the payment. He told me that I would have to go to a website to request a refund along with proof of payment ( which I was able to find on old laptop ), to which I asked for either a manager or supervisor which he told me to call back tomorrow and ask for. I then asked for his information and he hung up on me.
Consumer complaint received 2018-04-17
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: 1st Franklin Financial Corporation (SC)

On XX/XX/XXXX, First Franklin financial agreed to remove an inquiry off of my credit report ( complaint number XXXX ). To date the inquiry is still appearing on my XXXX credit report and I contacted XXXX today and they informed me that they havent received anything from First Franklin. Please mail me a copy of the letter that was sent to XXXX  to remove the inquiry from my credit report and resubmit it it to the XXXX.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I'm following up on my recent communication regarding accounts on my consumer report linked to identity theft. I never authorized these accounts with a written signature. I formally request the immediate blocking and removal of these fraudulent accounts from my report. 

These inaccurate entries have caused significant emotional and financial distress, misrepresenting my credit history and hindering important financial goals, including purchasing a home and providing for my family.
Consumer complaint received 2024-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: South Carolina State Housing Finance and Development Authority (SC)

I closed on a home mortgage in XXXX XXXX my new loan servicer was to be SC Housing . I have had them for XXXX months and made both payments well before the due date. I came home on XXXX to a yellow door hanger asking me to call them. 

I was frantic and had to wait until XXXX because it was after getting home from work. I spoke to them and they said the notices are left when someone does not make a payment on mortgage for at least XXXX months or if it is late. I have records showing the payments have been made and deducted from my bank account. He checked the records and said he sees and it must have been an error. 

ERROR? You sent someone to my house suggesting payments have not been made- to appear like a foreclosure or eviction notice causing embarrassment and XXXX. I do not believe the person and need to have something in writing to know that this is true and factual and also to know that this will not happen again. I do not have faith in the SC Housing at this point and am concerned about how my payments are being applied at this point.
Consumer complaint received 2018-04-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MI)

I have applied for the Public Service Loan Forgiveness program multiple times. I was enrolled for a few months before I consolidated my loans ( early 2017 ), at which time they told me I would need to re-apply. Over a year later, I still have been unable to get my PSLF application approved because I have " missing documentation ''. I even went so far as to upload all of the correct paperwork while on the phone with a representative to verify they had everything they needed. Once that was verified, I thought it would work, but I still have not had any payments go towards my PSLF. I have now lost over a year of qualifying payments and don't know what else I can do.
Consumer complaint received 2018-05-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: D&A Services, LLC (MO)

After several intimidating calls from D & A Services to collect a debt for XXXX XXXX XXXX, I made a payment in ignorance to them on XX/XX/XXXX in the amount of {$100.00}. After I called XXXX XXXX XXXX to inquire about the account, I was told it was discharged and closed. Therefore D & A Services falsely impersonate themselves to collect this debt for XXXX XXXX XXXXXXXX. I requested D & A Services to provide me a legal binding signed  agreement between them and XXXX XXXX XXXX to collect this debt for them. They sent me copies of old statements. I sent a certified letter on XX/XX/XXXX asking them not to withdraw from my bank account until they are able to verify their legal binding to collect the said debt. They were not able to provide me with this information. On XX/XX/XXXX they withdrew the amount of {$270.00} from my bank account without my consent and still have not furnished the information requested. I called and requested a refund of ever dime they ever took from my bank account.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (VA)

I had a XXXX  credit card with XXXX XXXX. A few years back I upgraded my credit card to the XXXX XXXX with XXXX XXXX and closed the regular XXXX account. Back in XX/XX/XXXX I was in a XXXX store and did not have my credit card with me so I asked if they could look up my card and pay for it that way. They did, but did not tell me that they were looking at my old account and that they could not look up the XXXX. So, I made a purchase of {$65.00} on XX/XX/XXXX with them having looked up my account. Then, on XX/XX/XXXX I made a return of {$56.00}. On XX/XX/XXXX I was in the store again and did not have my card. Because they were able to do so the first time and did not tell me it was the regular card, I made a purchase for {$34.00} and then again another purchase for {$81.00} on XX/XX/XXXX in the same way. Up to this point, I had not received a bill or email saying I needed to pay a bill because the account was supposed to be closed. I never thought to login online because I had been using XXXX   XXXX online, which I consistently pay every single month and have not missed one payment. I received a late fee of {$9.00} on XX/XX/XXXX, still not knowing a payment was due. On XX/XX/XXXX I received another late fee of {$14.00}. This time I started receiving phone calls from a number I didn't know and eventually they called my parents house and my mother answered, it was XXXX. That is when I finally found out that now I was 30 days late with a payment on a card that I didn't know payment was due. About that time I called XXXX customer service to try and resolve this issue and get some of the late payments taken away - not realizing that I now would have a delinquent account on my credit report. The man I spoke to, was able to remove the last late fee of {$14.00} but did nothing else and did not warn me about the delinquent account. I recently tried to apply for a loan and got denied. I couldn't understand why. After checking my credit report, about 2 weeks ago, my score had dropped more than 100 points and i now had a delinquency on my account. I immediately called XXXX XXXX. The woman I spoke to was amazing. She spoke to a higher up person and they said they would remove the delinquency from my account. I am not sure how long this will take or if they actually will do this, but I feel as though this needs to be handled. I pay everything on time and one mess up, that I really had no control over and did not know about, has now effected my credit score and report dramatically. I want to make sure this is taken care of. I do not have the account number because I don't have access online and the automated system would not give it to me over the phone.
Consumer complaint received 2018-05-11
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. (CA)

On my correspondence to this company dated XX/XX/2018. I disputed several accounts that has been reported incorrectly and inaccurately. I clearly listed in my letter what the accounts are and what incorrect and missing information there are per account. It is now XXXX and till now have not receive any concrete evidence that an investigation was conducted, nor documents used in their investigation. At this point the disputed information are in verified/invalidated and this misconduct is definitely a violation of FCRA. The accounts that I disputed are the following : 1. XXXX XXXX XXXX XXXX Ref # XXXX, 2. XXXX XXXX XXXX USA Ref # XXXX 3. XXXX XXXX XXXX USA Ref # XXXX 4. XXXX XXXX / XXXX XXXX ref # XXXX.
Consumer complaint received 2018-03-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX just called. She told me someone in underwriting made the decision to cancel this file due to the buyers proof of funds not matching on page 1 and 2. ***Please see attached the total amount deposited in XXXX on page 1 ( {$860000.00} ) MATCHES EXACTLY the amount of page 2 showing TWO deposits on the same day ( {$460000.00} and {$430000.00} ) which total $ {$860000.00}. It is clear that there were TWO deposits on XX/XX/XXXX from TWO separate accounts that total the amount showing as deposited in XXXX. 

XXXX REFUSED TO TRANSFER ME TO A MANAGER. XXXX REFUSED to send this back for review and instead CLAIMED THE BUYER CAN NOT EVER PURCHASE THIS PROPERTY. 

XXXX LIED TO ME SHE IS IN FACT THE UNDERWRITE FOR THIS FILE. ( see attached screenshot showing XXXX XXXX as the underwriter. ) She likely lied to me when she said that it was someone else that made the decision to cancel the file. SHE is the underwriter and SHE most likely made the decision on her own to cancel this file. It is obvious that XXXX XXXX is a XXXX and follows the rest of Bank of America in its XXXX dealings with minorities. 

I question whether XXXX, or if it was indeed not XXXX who made the decision to cancel the file, is illiterate or whether Bank of America has gone the way of XXXX in hiring people from THIRD WORLD COUNTRIES to MAKE CREDIT DECISIONS FOR US CITIZENS???? 

WAS IT REJECTED BECAUSE BANK OF AMERICA, ONCE AGAIN, HAS DETERMIED THAT A MINORITY CLIENT IS UNWORTHY OF THE SAME TREATMENT OF A XXXX   BORROWER????? 


WE CANT BELIEVE BANK OF AMERICA IS SO STUPID THAT THE CAN NOT EVEN READ A BANK STATEMENT???? 

WAS THIS REJECTED BECAUSE IT WAS A BANK STATEMENT FROM THEIR COMPETITOR????? 

WAS THIS REJECTED BECAUSE THE PEOPLE MAKING CREDIT DECISIONS AT BANK OF AMERICA ARE XXXX???? 

WAS IT REJECTED BECAUSE BANK OF AMERICA, ONCE AGAIN, HAS DETERMIED THAT A MINORITY CLIENT IS UNWORTHY OF THE SAME TREATMENT OF A XXXX   BORROWER????? 

Oh and by the way, the signor for the buyers company is also a minority. DOES THAT MEAN BANK OF AMERICA IS TRYING TO BAN NON-XXXX PEOPLE FROM PURCHASING PROPERTIES??????? 

This complaint will also be copied to the Attorney General. 

Have XXXX XXXX, the person listed as the president, feel free to call us.
Consumer complaint received 2018-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

This is FORTH complaint since PNC Mortgage does not seem to understand the unfair and illegal practices. My mortgage was bought by PNC from another company. Since that time it is been my worst nightmare. I have paid all payments on time through auto pay with my bank. Since the time of purchasing this home, it has required complete renovation due to the condition of the home when purchased. Because of this need, my loan was set up such that it required PMI. With PMI comes the escrow requirement. After allowing my insurance to lapse because they did not communicate with the insurance company during the hurricane, it took my footwork, etc to correct the problem. Since that incident, my insurance will no longer be paid through the escrow. A document was sent on XX/XX/XXXX indicating PNC will no longer pay the insurance. In addition, requested having the PMI and escrow removed. PNC insists because of the 80/20 rule they can not remove the PMI and escrow. Because of their insistence, I ordered an appraisal costing over {$400.00}. It was provided to PNC proving the value was significantly higher and therefore PMI and escrow should be removed. Now they are saying despite them holding me land locked, now they will order an appraisal but I will be required to pay {$500.00}. They will not accept the appraisal which already proves the issue yet would not order one until I paid to prove they were incorrect. With all that, they are saying I owe higher payments for escrow despite insurance will no longer be paid, taxes went down because home is now homestead and value was proven higher. PNC actually owes my money back due to excess escrow for insurance. This is a shortened version, this does not include the lost payments, unable to take " partial '' payments so good luck paying off a loan early with any variance to your payments. PNC should be investigated including governmental audits. The second complaint resulted in PNC contact calling me and asking for return call with best times to call. After three attempts and no return call at requested time ( which were during business hours ) the complaint was closed. the employee should be terminated. 

Response from the third complaint resulted in a call which I returned and then they once again did not return the call. Now I am receiving notices that they are using money from escrow to cover regular payments, however, the issue has been they say I owe more to cover escrow. My regular payments should not change. In addition per the attached, my homeowners is being paid on my own ... see page 6..ESCROW NO. In addition to me paying my own insurance, taxes dropped. If they would listen and calculate the escrow based on facts that insurance being paid on my own, taxes decreased due to homestead and prove of increased value, PMI should be removed and no escrow should exist. In addition, they state they had to pay for the appraisal, however, the fact is they charge the consumer and I was able to negotiate under the {$500.00} PNC charges.
Consumer complaint received 2018-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

WE HAVE BANK OF AMERICA AND THEY HAVE PUT A CFPB REQUIREMENT ON OUR BILL, WE ARE NOT BEHIND IN PAYMENTS, WE HAVE BEEN MAKEING OUR PAYMENTS FOR 14 YEARS. WE FILED A BANKRUBTCY 10 YEARS AGO BUT B of A WAS NOT PART OF THAT! NOW WE ALL OF A SUDEN HAVE A THREATENING STATEMENT ON OUR BILL THAT MAKES IT SOUND LIKE WE ARE BEING FORCLOSED ON, BUT I HAVE BEEN TOLD BY B of A WE ARE FINE IT WAS REQUIRED BY CFPB FOR THEM TO PUT THIS THREAT ON OUR BILL DUE TO AN OLD BANKRUPTCY! 
I AM STILL SUSPICIOUS ABOUT THIS AND IT ALMOST MADE ME HAVE ANOTHER XXXX SO I CALLED AND TALKED WITH B of A AND THEY SAID CFPD WONT LET THEM TAKE THIS OFF OUR MONTHLY STATEMENT, ARE THEY DOING THIS TO OTHERS OUT THERE OR ARE THEY JUST SELECTING PEOPLE THAT HAD TO TRY AND SAVE THEIR HOME BY FILING AGAINST CREDIT CARDS? I MY WIFE WILL HOLD B of A AND CFPD IF TTHIS SCTIONED OF STATEMENT IS NOT REMOVED AND I HAVE ANOTHER XXXX OR XXXX DUE TO THESE MALICIOUS THREATS! SOUNDS LIKE A CLASS ACTION IS IN ORDER, DO WE HAVE ANY LAWYERS OUT THERE?
Consumer complaint received 2018-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (FL)

{$1500.00} - Original Creditor : XXXX XXXX, Currently Held By : XXXX XXXX XXXX XXXX, Opened ON:XXXX - Joint Account. The lease was not supposed to be under my name, I was staying with a friend for a month and had to fill out paperwork stating that I would be there for a month. When I contacted the company I was informed that the most that could be done was take it off my credit if I paid half the debt.
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. (GA)

Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account : I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. 
I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.