davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-13
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. (FL)

The account was paid and still, my credit reports have not been updated an this is impacting my score. Please look at the balance it's showing {$2400.00} and true balance is {$900.00}.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

RE : DELETIONS TO CREDIT REPORT Dear XXXX, XXXX, Experian : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Account # Reason for Deletion : XXXX XXXX XXXX Incorrect Original Amount of Debt Incorrect Payment History-Account was paid on XX/XX/XXXX. Not reflecting on any of my three credit reports. 

Incorrect Date Open on the Account- All Three Credit Reports State that that Account was opened in XX/XX/XXXX which is Incorrect Two Different Original Amount 's Owed On The Account. All Three Credit Reports Is Inconsistent With Original Creditor XXXX XXXX 's Account. All Three Credit Reports Stated The Amount Is {$220.00}. But Original Creditor XXXX XXXX States {$210.00}. 

I AM ENCLOSING PROOF FROM ORIGINAL CREDITOR " XXXX XXXX '' According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below. 

Thank you. 
Sincerely,
Consumer complaint received 2018-04-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (MO)

I have been contacted by XXXX and XXXX at Tower Loan in XXXX, Missouri regarding my past due bill. I have explained that I have no job and no money at this time. In fact, I can't even make ends meet. There is absolutely nothing that I can do at this time. However, I have continued to receive daily repeated phone calls, which I chose stop accepting because I have repeatedly explained that I could not afford to do anything. Today, XXXX had contacted several of my references in an attempt to get me to call her back. It is an intimidation tactic, which borders on harassment since she knows my phone number is correct. I do apologize for being in this situation, but I have repeatedly told XXXX and XXXX that I have XXXX money and calling my references is not going to achieve anything. 
I refuse to speak with Tower Loan anymore. 
Please tell Tower Loan to stop calling myself and my references.
Consumer complaint received 2018-04-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On Tuesday XX/XX/2016, I was notified that my account had been closed due to counterfeit checks. Apparently, while I was at work, my purse and cell phone was stolen with all of my personal information. The perpetrators withdrew money from one of my accounts and at Bank of America, they deposited checks and tried to withdraw money, from my understanding. My account was frozen, so I left work to find out what was going on. After leaving Bank of America ( with not much understanding ) I went to the XXXX Police Department and filed a police report and called XXXX to notify them as well. I have done everything in my power to show them I was at work at this time and XXXX attempted to resolve this as well with no regards from Bank of America. I'm not sure what else to do here, I have resolved this with all of my credit card issuers and XXXX XXXX, where they withdrew money, but BofA has this listed as if I attempted to deposit and withdraw money. I tried to dispute with XXXX & XXXX but they sent me a copy of a statement stating BofA verified the account. I never said it wasn't my account, only that it was hacked. They do not have any documentation of me committing this crime, as I was at work, and have proof of this.
Consumer complaint received 2018-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

In XX/XX/XXXX my mortgage loan was sold to SPS Servicing. With the previous Mortgage servicer, my balance was approximately {$380000.00}. I now receive statements that my balance is {$380000.00}. They are charging me {$3600.00} in additional fees they can not explain why, to whom and when these charges were incurred. Back in XX/XX/XXXX, I sent an additional {$2000.00}. extra principal payment which was never applied and monies were used by the Lender as additional " fees '' paid. I have asked our State Attorney for help and all this bank did was send the State Attorney a roster of all my payments since the loan originated in XX/XX/XXXX. Please help!
Consumer complaint received 2018-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (WA)

Roundpoint Mortgage is responsible for paying my homeowner 's insurance premium and failed to submit a payment. The billing statement was sent by XXXX XXXX ( my insurance carrier ) on  XX/XX/XXXX with a payment date of XX/XX/XXXX. On Monday XX/XX/XXXX payment had not been received and a XXXX XXXX representative called regarding the payment, and was told that a check for payment would be sent via overnight mail. On XX/XX/XXXX I received a letter from Roundpoint stating that because I failed to renew my insurance, they would be purchasing one on my behalf. The XXXX XXXX agent called again on XX/XX/XXXX to ask about payment and was again told that it would be sent via overnight mail. On XX/XX/XXXX, payment was still not received, and the XXXX XXXX agent again called and was told that they do not ever issue or approve overnight checks and there was no record of the previous requests. The 30 day grace period for the homeowner 's insurance expires on XX/XX/XXXX. I initiated a virtual chat with a representative from Roundpoint on XX/XX/XXXX and was told that they had submitted the request for payment, but that they could not provide me with a confirmation number for the request or confirm it via an email notification. The representative told me that the payment should be made by XX/XX/XXXX. When I requested that it be expedited to arrive by the XX/XX/XXXX grace period cut off, I was told that insurance companies offer an extra 30 day grace period to lender-paid premiums, which is inaccurate. When I asked about a lapse in insurance coverage and how that would be handled, I was simply told that they would not allow that to happen and that I should rest assured that it had been handled. Failure to pay the premium on time, and dismiss additional requests via the insurance carrier and loan originator is extremely unprofessional and careless. Refusing to provide any sort of confirmation code or verification of the payment seems illegal.
Consumer complaint received 2024-08-05
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX Account. Number : XXXX
Consumer complaint received 2018-04-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (AZ)

-- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX Sent : Friday,XX/XX/XXXX, XXXX XXXX MST Subject : XXXX Order # XXXX Dear XXXX, Thank you for contacting XXXX! I wanted to reach out to you about order # XXXX. Regarding your payment for {$81.00}. This payment has been sent to PayPal and you simply need to call PayPal customer service at XXXX and give them the reference number below and they will help you " claim '' your payment. 
Your payment was sent to your PayPal address XXXX and the reference number for the payment is XXXX. This payment was deposited on XX/XX/XXXX. I hope this information helps you get your payment. Thanks and have a nice day. 
Sincerely, XXXX XXXX Payment Support XXXX XXXX Ive sent FOUR letters to Paypals customer service area and received only form letters in return. Ive also made two fruitless calls to the XXXX. 

The first call was made this past Friday night at XXXX XXXX time. After an online waiting time of 40 minutes, it took your customer service representative another 16 minutes to find the payment in questionand then I was disconnected. 

Yesterday, I again called Paypal customer service number in the XXXX at XXXX XXXX After a 38-minute wait I spoke to XXXX XXXX whoafter many minutes of searchingwas finally able to locate the {$81.00}. Another long wait ensued. FINALLY, XXXX promised me that the money would be in my account by end of day. I told XXXX that the next morning ( Sunday ; today ) would be fine. Well, guess what? The money didnt show up in my account, so your XXXX in the XXXX lied to me. 

And I am now on hold to speak to a real personestimated wait time being 1 hour and 14 minutes. That is as unconscionable as it is ridiculous. 

PLEASE get this {$81.00} credited to my account, WHERE IT BELONGSand we all can go home happy. 

Your prompt response to this request will be SINCERELY appreciated. 

Thank you.
Consumer complaint received 2018-04-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OR)

My VA loan was sold to Freedom Mortgage in XX/XX/XXXX. In XX/XX/XXXX my taxes were due and Freedom Mortgage did not pay them. It is their policy that they analyze the escrow account within 60 days of receiving the loan and they did not. I called them in XX/XX/XXXX to let them know I paid the tax bill and never received an escrow analysis. They submitted the request and said it would take up to 30 days to analyze. I called after 30 days and nothing had been done. A supervisor put in a request to escalate the situation and contact me within 24 hours. No one contacted me. I called back a week later and again they are submitting the request and it could take another week. I've been told this over and over. They are holding way too much in my account, more than the 2 month cushion and are not following through on their promise to analyze my escrow account. It takes between 20-30 minutes every time I call them and to have no resolution is frustrating.
Consumer complaint received 2019-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (MA)

This account is being reported inaccurately. I am seeing repetitive late marks which is a violation. Also, I am seeing series fo late payments after the closed date. It is impossible to be late on a closed account. 

I have disputed this a couple of times but never got a response from them and no proper resolution of the dispute.
Consumer complaint received 2018-04-09
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XX/XX/XXXX I was going to bank of America to withdraw my money it was on a friday when I noticed it only had a few hundred on it. I then drove back to my job because i thought i did not get paid all of my money but no one from downtown who handles payroll was there due to holidays .Thats when I asked one of my coworkers werent we suppose to have gotten payed today they stated we got payed the day before which i did not know but that still doesnt explain why I did not see the amount I saw on my paystub.So I called the bank of america hotline and thats when they stated I removed {$720.00} dollars using XXXX at first I thought it was a city, so I searched XXXX.First I asked Bank of America to cancel the card and any thing that look unnormal, on the card was still the 300 and something dollars from when i got paid .Thats when I saw XXXX by the name while I was searching and then I noticed messages I did not send and it was from someone in XXXX asking XXXX to send it to the address they posted for XXXX .I then quickly saw that the order had not been processed so I messaged the XXXX   person/people to cancel the order that was not XXXX XXXX that made the purchase and I noticed another order for some head phones and canceled those as well .I copied the address, page, the items, and everything with the claim number on it and faxed it to Bank of America and showed them the fraudulant act .After I then filed a police report and filed an identity theft report as well .I faxed the police report to them and Bank of America stated it looks like you were the one who ordered it because of my information on my XXXX account my name my address and info .As I was told by Bank of America if there is no name to go by there is nothing else that they can do, so they charged me XXXX after they credited me the money, because they had no one to go by .Thats when I tried to go to XXXX and open a bank account, so that I can finish the dispute with Bank of America with out using their service due to how I was treated and to take further actions and also to build credit.Thats when XXXX stated that my social security number had an account with them but not my name and was made in XX/XX/XXXX, so they gave me an Identity theft packet to go threw and procedures and I completed it.So Im trying to figure out a way to just get my money back that was stolen from me using XXXX on XXXX threw a Bank of America paycard that was not even connected to my XXXX account.
Consumer complaint received 2024-08-05
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. (PA)

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 2024-08-05
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. (IL)

My account with with those 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 in those account to be removed.

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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports
Consumer complaint received 2019-08-07
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. (TX)

I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information. 

They need to follow the guidelines of the FCRA 605 section and immediately remove all of the fraudulent activity.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 in 60 days to be removed. 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-08-23
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. (WA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-08-05
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. (IL)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with those creditors 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 in those account to be removed. 

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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports