davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX is reporting a closed credit card account on my Transunion Credit Report that I was an Authorized User on. I've already contacted XXXX XXXX to have the account removed from my credit file as I was not responsible or liable for this credit card. I also removed myself as an AU from this credit card before the amount went negative so I do not understand why the history past XX/XX/2017 is showing on my credit profile. I received notification from XXXX XXXX that the account would be removed immediately from my credit profile however it is still showing on my file and negatively impacting me.
Consumer complaint received 2020-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

There are three issues that resulted in customer confusion and ultimately the misapplication of fees and interest to my Bank of America credit card account after I had set up an automatic monthly payment starting in XXXX. 

Issue 1 : The Automatic Payment, set to process on the " due date '', would not process until 1-5 business days after the scheduled due date. For example, in XXXX, my bill was due on XX/XX/XXXX. The autopay was set to process on the " due date '' in Bank of America 's system, but it did not process until XX/XX/XXXX. See attached. 

Issue 2 : The Automatic Payment, set to process the " Amount Due '', did not process the monthly statement balance, rather the minimum amount due plus any fees/interest. This is highly confusion because Bank of America offers 4 payment options for the Automatic Payments : Minimum Amount Due, Amount Due, Account Balance, Fixed Monthly Rate. None of these accurately describe paying the monthly statement balance ( what Bank of America apparently calls Account Balance ), but Account Balance is a misnomer in of itself. 

The result of these two issues in the Automatic Payment system is that not only do customers autopay their bills later than the due date and incur late fees, but that interest is assessed on the remaining statement balance due because the AutoPay only pays the " Amount Due '' - or in Bank of America 's terms, just the minimum due plus fees/interest. This is not only confusing, but potentially exploitative if intentional - especially on an AutoPay system that is designed to make payments easier and less of a hassle. 

Lastly, it is worth noting that the customer support specialist and the credit card account specialist noted that this is a source of confusion for multiple customers. The credit card account specialist even indicated that she had put in a note about the issues for prior customers multiple times. As an informed customer already with multiple credit card accounts on automatic payments across multiple banks, this should not have been an issue - but I doubt I'm the only one who has had this issue. Here 's a blog that also describes the same issue from XX/XX/2019 : XXXX XXXX XXXX  Fortunately, I caught this in just under two months and under {$100.00} in late fees/interest. After only an hour on the phone with Bank of America, they were able to credit the fees and interest over the two-month period and help me change my Automatic Payment options so this isn't an issue in the future.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (NY)

Aidvantage has taken over my student loans. My first payment was due on XXXX. I paid on XXXX. Aidvantage still marked my account as delinquent - both in my online status and in my statement issued on XXXX - while it waited for it to process. I called to let them know that they were violating regulation by not counting my payment on the date it was made and that they cant mark my account delinquent when it was paid on time on the due date. 

Aidvantage assured me that the delinquent status and statement would be updated once they fully processed the payment. I woke up this morning to find that Aidvantage has reported my account to the credit bureaus as a late payment. This is unacceptable. If Aidvantage cant properly handle loan payments and credit reporting, why has the government given them this contract?
Consumer complaint received 2020-04-18
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: BBVA FINANCIAL CORPORATION (PA)

XX/XX/2018 received BBVA Card. I immediately started automatic payments. XXXX my first payment didn't go through. I received no alerts. Again in XXXX. I noticed in my checking there were no withdrawals. I spoke with BBVA for 15 hours to resolve this. They said their system had a glitch but was fixed and they would remove the late payment. They never did. I paid off my card in full and closed it a year ago. Tho I have continued to dialogue with them and they say they will, they have never removed the late payments from my credit reports.
Consumer complaint received 2023-10-10
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: TRUIST FINANCIAL CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY THE SILENCE OF XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT. NOR THEREFORE ANY SUCH DEBT IN FACT THERFORE EXISTS. ( PLEASE REMOVE THESE ACCOUNTS BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER ) XXXX  BALANCE {$100.00}, XXXX XXXX XXXX  {$0.00}, XXXX {$0.00}, XXXX XXXX XXXX BALANCE {$120.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$360.00}, PLEASE REMOVE THESE INQUIRIES XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am filing this report because I was denied from opening a credit card at XXXX today XX/XX/20 because apparently there are three accounts with negative payment history appearing on my credit report. The accounts are from XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. None of those accounts belong to me nor do I have any written or verbal contract with any of those companies. I am not responsible for any of those accounts nor did I ever benefit anything from those accounts such as money, goods, services or any other benefit. I also never made any payments towards any of these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these accounts.
Consumer complaint received 2023-10-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Movement Mortgage LLC (SC)

On XXXX I inquired again to Movement Mortgage of what became of my end of the year escrow monies when they stated that I owed them over {$3000.00} for homeowners insurance after I sent {$2200.00} from a cancellation insurance policy that they paid this summer, last week. I was informed that I still owed them over {$3000.00} and they will increase my mortgage from {$720.00} to {$1300.00} starting XXXX. I'm currently in XXXX  XXXX and a XXXX  XXXX veteran on a fixed income in which they know this.
Consumer complaint received 2023-10-10
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2023-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CT)

Comenity Bank continues to use various debt collection companies to report debt from several years ago as new debt. It was an result of identity theft which happened several years ago. Recently they added to my credit report an Ann Taylor card of {$500.00}. They are reporting on my credit that it was debt charged off and owned as of XX/XX/XXXX which is not only inaccurate but was reported as theft dating back to XXXX. They are using companies like XXXX  and other debt collection companies to keep moving the fraudulent debt around. They did this with New York and Company also.
Consumer complaint received 2023-10-10
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: EQUIFAX, INC. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-10
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. (LA)

There's great concern regarding inaccurate information that has persistently appeared on my credit profile. I have diligently disputed these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) on more than three occasions. Despite my efforts and the clear violations of these laws, the concerns have been consistently ignored. This prolonged period of inaccurate information on my credit report has had a detrimental financial impact in my life.

It's worth noting that 15 U.S. Code 1681, which outlines Congressional findings and the statement of purpose, emphasizes the importance of accuracy and fairness in credit reporting. The intent of the law is to ensure that credit reporting agencies maintain the accuracy of consumer information. Furthermore, 15 U.S. Code 1681b mandates that credit reporting agencies must employ reasonable procedures to ensure the accuracy of the information they collect and report.

Pay attention that 15 US CODE 1681i stipulates that credit reporting agencies are obligated to delete inaccurate information from consumers ' credit reports. Furthermore, 15 US CODE 1681 emphasizes the importance of privacy in credit reporting, and 15 USC 1681s-2 explicitly prohibits the furnishing of inaccurate information related to a consumer if there is knowledge or reasonable cause to believe that the information is inaccurate. It is a federal crime to furnish and report multiple alledged debts. This is misleading and improper representation, this is a violation of 15 USC 1692e.

Additionally, 15 US CODE 1681e-b mandates that any collection or account information must be 100 % accurate across all credit reporting agencies. Please take immediate action to rectify these violations, remove the inaccurate information from credit report, and ensure that my rights as a consumer are upheld in accordance with these legal provisions.

*** Understand 15 U.S.C 1681 section 604 ensures her that you need written instructions, I have never gave written consent or oral consent 15 U.S. Code 1681a, last but not least you violated 15 U.S. Code 1681b - Permissible purposes of consumer reports.
Consumer complaint received 2020-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MO)

On XX/XX/2019, we closed on a refinance of our house with XXXX of XXXX mortgage. At the closing, we paid {$660.00} as the initial payment into our escrow account and an additional {$2200.00} for property taxes. Since we closed at the end of the year, we were asked to pay the full amount of the property taxes for the year. I contacted our loan servicer from XXXX of XXXX and explained that the actual amount of property taxes would be {$1100.00} due to a property tax abatement on our property. She said the additional amount paid- {$1000.00} would be deposited in our escrow account. In XXXX, before our first payment was due, XXXX of XXXX sold our loan to PHH Mortgage Services. When the escrow account was opened at PHH mortgage, the starting amount was only the {$660.00} we had paid at closing and did not include the additional {$1000.00} which we over paid at closing for property taxes. During the transition from XXXX of XXXX to PHH Mortgage Services, both mortgage companies paid our property taxes in the amount of {$1100.00}. I called PHH Mortgage Services in XXXX alerting them that the property taxes had been paid twice and that the escrow was missing {$1000.00}. After several months, PHH received a rebate from the city for our property taxes and {$1100.00} was deposited in our escrow account. I called again and asked where the remaining {$1000.00} had gone but I have yet to receive a response. I have called PHH 4 times over the last 5 months and each time I am told to wait 6-8 weeks to resolve the problem. I have waited this time but the situation is not resolved and we remain shorted by {$1000.00}. I have also reached out to XXXX of XXXX to see if they might be able to help but have received no response.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Year 2015 while taking engagement pictures, our car was vandalized and all personal items were stolen including car keys, please consider photos were being taken outdoors for our wedding and we could not have any of our personal items on hand. A bystander alerted us that are car had been broken into. Police were immediately contacted and a report was made. Quickly, I became a victim of fraud. 
All banks, credit cards were contacted. The occurrence became to spiral out of control as my perpetrators had access to all mail box keys and began opening new accounts, conducting unauthorized transactions, forging signatures. I was continually being taunted. 
Bank of America has stated I am held accountable for not keeping my personal items safe and reported fraud on my credit report and has continued to prevent me from having accounts.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE EQUIFAX DATA BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT.
Consumer complaint received 2020-04-18
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. (FL)

I've attached document of the inquires that were not mine. I don't know how they got onto my report however it is incorrect. It's negligent of the credit bureau not to remove these even after I showed them proof it wasn't mine. On the other hand they've provided zero proof that it is mine. I've tried contacting the companies but they didn't answer me. Please remove them immediately.
Consumer complaint received 2020-04-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (CT)

I've had no money coming in since XX/XX/XXXX so I tried to get a mortgage payment forbearance for 3 months and my mortgage company M & T Bank will only defer me for 3 months and then they want all three payments at once The only way I could defer the three months to the back end of my mortgage is if I could file for a hardship and all the paperwork they need for that hardship most I can't get to because everything is shut down due to covid-19 so my hands are pretty much tied
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I recently obtain a copy of my credit report and notice XXXX XXXX account # XXXX is reporting a lot of inaccuracies. Under the Fair Reporting Act, I am entitled to dispute any information that I believe is inaccurate or incomplete. I kindly request that you conduct a thorough investigation into this matter and provide me with the results of your investigation as soon as possible. 

I appreciate your attention to this matter and looking forward to your prompt response.
Consumer complaint received 2018-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (WA)

On the same day, I received two different letters, one from XXXX XXXX XXXX XXXX and one from American Coradius International LLC, both asserting XXXX XXXX XXXX as a creditor. The XXXX amount was {$620.00} and the American Coradius amount was for {$50.00}. I checked with XXXX. I have no debt. My account is clear. None of the account numbers on the debt collection letters are mine. Both were mailed to an address I moved from 12 years ago, in XX/XX/2006. This is clearly identity theft.
Consumer complaint received 2020-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (IL)

An affidavit has been provided, all three credit bureaus have removed, the original creditor has let it go, when cavalry bought the debt it was going through a fraud claim, yet they continue. They continue to send some bills stating its verified. You cant verify fraud that has been released by all the credit bureaus, the FTC has report of, cavalry has acknowledged it was under fraud investigation, and the original debtor knew about fraud. Cavalry was reported for harassment by the phone call method in attempting to collect this fraudulent debt. They refused to listen when I told them it was under investigation but insisted I pay now that everyone has let it go they still are attempting to collect on a fraudulent debt. They are sending bills attempting to validate fraud