davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-15
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I have spoken to Bank of American concerning this paid account several times. Last year they told me it would be removed. It is a charge off which is incorrect. I am applying for a mortgage and need it removed. This has been on my credit bureau since 2010? 

XXXX XXXXXXXXXXXX
Consumer complaint received 2024-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NATIONS DIRECT MORTGAGE, LLC (NC)

My mortgage company, Nations Direct, turned my loan over to XXXX XXXX XXXX company on XX/XX/year>. I have contacted XXXX mortgage weekly for 3 months asking to make payments and they keep telling me that they are still processing the loan and it is with the underwriters and I need to wait until the process is complete. They are charging me {$30.00} a month for a home inspection fee to make sure I'm still living in my home. Today I just found out that Nations Direct reported that I am over 60 days late with my mortgage and my credit score went down XXXXXXXX XXXX. I am devastated that I have been so negatively affected by both these companies, through no fault of my own, and no one is resolving this issue.
Consumer complaint received 2015-04-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (TX)

NO SABE WHERES THIS COME FROM. ITS NOT MINE AND ME NO CAN HAVE IT ON MY REPORT. O HAB THEM CALLS ME ALLS THE TIME. SENT LETTER TO STOP BUT THEY NO DO SENT NOTHER ONE STILL CALL AND ON REPORT
Consumer complaint received 2015-11-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/XXXX I RECEIVED A COPY OF MY CREDIT REPORT FROM TRANS UNION DATED XX/XX/XXXX WHICH IS ATTACHED. I DISCOVERED NUMEROUS ACCOUNT REVIEW MADE BY XXXX FROM XXXX XXXX XXXX. XXXX INQUIRIES WERE MADE XX/XX/XXXX, XXXX INQUIRY EACH MONTH PRECEDING XX/XX/XXXX. I WAS TOLD BY THAT NOTHING COULD BE DONE ABOUT THESE INQUIRIES SINCE I HAD AN ACCOUNT WITH THEM WHICH IS AND WAS NOT TRUE. I EXPLAIN TO TRANS UNION THAT I DID N'T HAVE ANY BUSINESS WITH AND AGENCY AND THEREFORE THEY HAD NO VALID NEED OF MY CREDIT INFORMATION OR ACCESS TO MY CREDIT FILE.I AM APPEALING TO YOU STOP THIS PRACTICE AND ENFORCE THE FAIR CREDIT REPORTING ACT. I HAVE HAD SIMILAR PROBLEMS BEFORE AND THE XXXX RESPONSE WAS " WE CA N'T MAKE THEM RESPOND TO US. '' THEREFORE NOTHING WAS DONE TO PROTECT MY RIGHTS BY THIS STATE AGENCY, THIS WAS DONE XX/XX/XXXX
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After becoming more educated with my finances, I ran my credit report for the XXXX time for the purpose of reviewing the accounts back in XXXX XXXX. Upon reviewing the account I noticed there was a dependency on the names and address listed. My name is XXXX XXXX, one of the names listed was XXXX XXXX XXXX. Aside from this, I also noticed a list of address linked to me that I never lived in. A XXXX account stood out because it showed the date of last payment was in XXXX and the account was opened in XXXX. This was scheduled to be removed from my credit report on XXXX XXXX, however, I decided to file a dispute with the credit burueas and the collection agency to validate the debt. I sent all letters via certified mail in English. The response I got was in XXXX and not able to undertand what the letter said, I sent them a XXXX request. I received another letter from them in XXXX with no documentation showing the account was mine. So instead of investigating the claim, they changed the status of the account as a charge off. I sent all the letters to Experian, Transunion, and Equifax however, they again failed to validate the debts or remove them. No explanation has been given to me as to how this was determied or what was done to investigate the debt. I am XXXX I made no payment in XXXX nor is the account mine. The report stated the limit was {$200.00} yet the amount of the debt was {$500.00} I asked how that amount was even calculated but never got a response. Both The credit bureau and XXXX have failed to provide me with my right to validate debt. Instead, I received offensive stalling tactics by sending me letters in a language they assume I spoke. I ask that you please request further investigation from all XXXX credit bureaus. The XXXX account that is completely off is by a utility company called XXXX XXXX XXXX which is the collection agency for XXXX XXXX XXXX XXXX that was opened in XXXX/XXXX/XXXX. I sent them copies of my XXXX ID 's, to show I lived in the state of XXXX and was attending XXXX XXXX. It makes no sense how I could go open a utility account if I did not live in the state of XXXX. After XXXX request nothing has been done to investigate these accounts. Please request a throrough invesigation, I suffer from XXXX and the stress these companies have caused me have effected my XXXX, I 've spent large amounts of money sending certified and expedited mail the last XXXX months with no results. Thank youXXXX XXXX XXXX, XXXX XXXX, CA XXXX - XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX
Consumer complaint received 2015-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MA)

I refinanced my mortgage on my home in XX/XX/XXXX. The mortgage lender, XXXX XXXX XXXX, claims to have " accidentally '' reported me as " deceased '' when they closed out my old loan. In XX/XX/XXXX, I was denied a car loan because of this issue, as my bank was unable to pull a credit score through Experian. I filed a dispute with Experian, and with XXXX XXXX XXXX. XXXX XXXX XXXX confirmed it was a clerical error, and reported as such to Experian. Experian made a note, to themselves in their own systems, which they do not share with the bank, that this was a clerical error. However, XXXX XXXX XXXX did not update the file, and continued to automatically report me as deceased, despite having confirmed to Experian in writing that this was a clerical error. In XX/XX/XXXX, I had assumed this issue had been long resolved, but I again was denied a car loan, and I again filed disputes with both XXXX XXXX XXXX and Experian. My credit report, under XXXX XXXX XXXX, XXXX, continues to list me as " Deceased ''.
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: U.S. BANCORP (CA)

I believe that my information is being misused and reported as inaccurate and I am refiling this complaint to US BANK. In my credit report from XX/XX/year>, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions. I have also attached an FTC report for this complaint to support on fraudulent information complaints.
Consumer complaint received 2015-08-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I had an account with Citizens Bank. I contacted the bank about suspected fraud in 2012 and until this day I am still unable to open another account. When I call to speak with someone on the matter I get XXXX response so I do not know what steps should be taken.
Consumer complaint received 2024-08-20
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)

I am writing to dispute a late payment reported on my credit report related to my XXXX loan account number XXXX. This incorrect information is negatively impacting my credit score, and I believe it is inaccurate. 

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681s-2 and 15 U.S. Code 1681i, you are required to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ) outlines clear disclosure requirements for creditors to ensure that consumers receive adequate information regarding their payment obligations. Non-compliance with these provisions can result in inaccurate and harmful reporting for the consumer.
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2015-03-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (ID)

Ocwen Loan Servicing is continuing to report a mortgage that was paid off in XXXX 2014 as being active. It has paid off for XXXX months. I attempted to call them, could n't really understand what the call center employee was saying and then asked to speak to a supervisor. I was put on hold for a while and I finally hung up. This company has been a nightmare to deal with from the day they acquired our loan for servicing and they 're online and phone systems are difficult to navigate in the event issues need to be resolved.
Consumer complaint received 2015-12-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: HW Holding, Inc (FL)

I rented an apartment from XXXX XXXX where upon moving out I received a bill for {$440.00} for damaged carpet. I asked at the time to complete the end of contract walk through with whomever completed this process. I was denied that option so I completed my own walk through with video due to multiple complaints from previous tenants for where they were charged similar charges. I received the expected bill of the above amount for damaged carpets. I then attempted several times to contact the apartment manager, XXXX XXXX, leaving several messages because she was unavailable to take my calls. I then called the corporate office attempting to plead my case and was directed to several personnel 's voicemails as well. I sent the video of my walk through, showing no damages to the carpets, or any other potential problems, to both the local apartment complex manager and to corporate. My video was mainly the carpets for the complaints that I had received from previous tenants was of their carpets. I did not receive any return communication from either party, so I attempted again to call both entities, without success. I then started receiving harassing and threatening phone calls from a collection agency, Hunter Warfield, where they told me that if I did not pay I would be turned over to the XXXX collection agencies. I am at a loss as what to do for the charges against me are false.
Consumer complaint received 2015-08-11
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (NJ)

On XXXX XXXX, 2015 I received a charge of {$73.00} from XXXX XXXX ( Reference : XXXX ) on my credit card. While I had done business with this merchant years ago, I neither recognized nor authorized this transaction. I disputed the charge with American Express and they " resolved '' it a few weeks later saying the merchant provided supporting information. The supporting information was a XXXX copy of my online profile page - not a receipt. I called American Express and they could n't explain why they would accept that as " proof '' of this transaction ( XXXX call center ), only stating that I could reopen the investigation and that maybe it was filed incorrectly ( as " I do n't know this merchant '' rather than " I did not authorize this transaction '' ). ( Dispute Reference Number : XXXX ). 

I reopened the investigation following their instruction on XXXX XXXX, 2015 and yesterday ( XXXX XXXX, 2015 ) I received a notification with the subject " Your account has been credited '' and body " We contacted XXXX for you to give them the opportunity to provide any additional information. As of today, they have not given us the information we need to resolve the matter. Therefore, we will issue a credit for {$73.00} which will be reflected on an upcoming statement. '' ( Dispute Reference Number : XXXX ). When I went online to confirm this credit was posted ( or pending ), I did n't see it so I initiated a chat session. I asked the representative 1 ) when it would be credited and 2 ) why they accepted the initial claim as proof. They statedI called American Express and the customer service representative said she would credit me this amount, however it 's not posted to my account. More importantly, she stated that the original and subsequent claims were both denied but could n't provide any justification for them. It 's a matter of principle : this was not my charge. 

So I am writing you as a last resort as this charge was not mine, and I attempted to resolve this issue XXXX now with my credit card company. I wo n't accept a simple " here 's a credit '' rather I would like them to explain why they still feel this charge is valid. I would like the charge reversed. 

Thank you for your time and consideration on my behalf.
Consumer complaint received 2015-05-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc. (CA)

My wife had insurance with XXXX XXXX and she let it lapsed due to the expense of this insurance. My name was on the policy due to she had to list everyone in the residence that had a drivers license and drive. I sent a validation letter to Credit Collection services to verify this debt. On XXXX/XXXX/2015 I received the attached note, stating they had spoken with the creditor and they said it was my account. As you can see by the attached file this is not a violation but the refusal to send documentation verifying this debt. The Actual policy was created and was my wife policy.
Consumer complaint received 2015-04-09
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I have instructed my Bank ( HSBC ) on XXXX XXXX, to do a wire transfer amounting to XXXX XXXX. 
to my bank account in XXXX. The conversion rate taken is USD XXXX = XXXX. 
However as per the attached sheet the rate of USD XXXX = XXXX ( the same day ) I understand that the bank take a % but it is too much. I would like the bank to reduce the %.
Consumer complaint received 2015-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MN)

I belong to XXXX XXXX and check my status regularly. For some reason my late payments on the Equifax report, ( which I have none ) went from XXXX percent on time to XXXX percent in the last month! Looking at my Equifax credit report out of the XXXX accounts shown there are NO late payments. According to Equifax out of XXXX reported payments I supposedly have XXXX late payments?? Please supp ; y me with the company 's or persons that I supposedly have not paid. They are not on the Equifax credit report that is on XXXX XXXX and must have happened over the last month! As a side note my XXXX information XXXX payments were on time, it would also be highly unlikely that XXXX would miss this. 
Thank you
Consumer complaint received 2015-05-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Wilber and Associates, P.C. (WA)

I received a notification that the debt had been turned over for Collections at Wilber & Associates, P.C. While the situation surrounding the debt is frustrating for me, I recognize that the legal liability falls on me, regardless of the principal surrounding the issue. Today, XXXX/XXXX/15 at approximately XXXX ( PT ), I called Wilber & Associates with the intent of setting up a payment plan. When I called I was put on hold several times and transferred to a representative. Unfortunately, I did n't get the name of the individual that I finally came to talk to regarding the debt, but I was informed that the call was being recorded. XXXX the representative offered to settle the {$1200.00} debt for {$1000.00}. I told her that I was unable to do that. She offered to set me up on a payment plan with a down payment of approximately {$650.00}. Unfortunately, that is out of my budget as well. She asked me how much I could afford for a down payment, and I told her that if I can have until the end of the month ( 2 weeks ), then I could come up with {$200.00}. She said that she would set is up for {$250.00} by the end of the month and that money would go toward the down payment & I would pay {$250.00} a month. I told her that I can come up with the {$250.00} for the down payment, but there 's no way I can afford to continue {$250.00} a month. I would need payments around {$50.00} a month. She told me that was not an acceptable amount for a payment plan. She said that they would not refuse my payments of {$50.00}, but it would not be an official payment plan. Therefore they could still suspend my license and take any other action that is within their rights. I was getting frustrated, and I asked her if they had any other payment options for people that basically live paycheck to paycheck. She said no, they do n't. I asked her what they do for people who ca n't afford the money they ask for, and she replied that people make it happen. Growing more frustrated, my voice elevated a little and I asked her again, what they do for people who can not afford the payments they are requiring. I went on, expressing frustration that people who pay the high payments they require end up losing their ability to drive making it more difficult to pay them, but she was talking over me at this point. I lowered my voice again and told her that she was incredibly unhelpful. She chuckled at me, and in a snide/sarcastic tone the thanked me for complimenting her. I told her that she was n't really thanking me and I understand that. Increasingly frustrated, I expressed that I ca n't pay what she is requiring of me. She cut me off and told me to call back when I actually have the intention of paying by debt, adding that I will need paid it in full, and she hung up on me.
Consumer complaint received 2015-04-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (VA)

I sold my home and with the sale of my home paid off my XXXX and XXXX mortgage with SunTrust Mortgage. The closing date of the sale was XXXX/XXXX/15 and the payment in full for both mortgages was received on XXXX/XXXX/15 ( confirmed by SunTrust Mortgage ). I am owed a refund of my escrow account by SunTrust Mortgage and XXXX refund checks were issued on XXXX XXXX, 2015 : the XXXX from my XXXX mortgage ( {$360.00} ) and the XXXX from my XXXX mortgage ( {$13.00} ). I received the {$13.00} check on Monday, XXXX XXXX. I have yet to receive the second check for {$360.00}. I have called SunTrust Mortgage numerous times and every time I get different information. the latest of which is that i must wait until 30 days from the date the check was issued to even request that an investigation be opened. I am EXTREMELY frustrated as for 10 years I never made a single late payment. I feel as though I am getting the run around and they are refusing to pay me the money that I am legally owed.
Consumer complaint received 2015-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed XXXX XXXX XXXX reporting negative credit card account item on my Transunion credit report over the past XXXX years. This was a secured credit card that was open with initial {$300.00} security deposit back in XX/XX/XXXX. Due to fraudulent transaction I did not authorize XXXX XXXX XXXX closed account XX/XX/XXXX. XXXX XXXX paid was used to pay off remaining balance. This account was paid in full prior to being supposedly charged off by XXXX XXXX XXXX. I am requesting XXXX XXXX XXXX stop reporting this negative item on credit reports
Consumer complaint received 2015-08-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NJ)

A bank account was opened in a Wells Fargo bank in XXXX XXXX, California in my namewithout my knowledge. I was a victim of identity theft. For two years the person said I worked for XXXX for him as a care giver He had a direct deposit of the checks placed in a Well Fargo account .At the same time I was in negotiation with the IRS to settle for back taxes owed in the years XXXX and XXXX. They said that I did n't report the income earned for these two years. The settlement agreed on was denied as a result of the identity theft. The XXXX XXXX police arrested and convicted the person involved. The police showed me forged signatures of an account opened in Wells Fargo bank .I contacted WFB and they say there is no account in their system that matches the detectives findings. The fraud claim was denied by WFB. The case number is XXXX. They sent me a letter on XXXX XXXX XXXX to contact XXXX XXXX. XXXX times I tired to reach her. No phone call back I have contact XXXX XXXX a higher up supervisor. No phone calls have been returned. I want my name cleared with a letter to the IRS and SS. {$25000.00} was stolen from XXXX in this fraud and not XXXX person seems to want to help me .I have proof from the police report, SS and the IRS and WF refuses to admit wrong. I 'm XXXX, living on {$1100.00} a month. I need help. I do n't have the resources to fight them. Please help.
Consumer complaint received 2015-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The XXXX XXXX company is incorrectly reporting me up to XXXX ( 30/60/90 day delinquencies ) days past due while I am in a debt management program accepted by the company in XXXX, 2015. I was never even 30 days late, and have paid as agreed both prior to and after the debt management plan was put in place. The company refunded late charges, but will not fix credit reporting errors. XXXX XXXX sent the account to a third party to administer the debt management program and they refuse to correct the errors. They referred me to XXXX XXXX ' credit reporting division who stated I needed to talk with Customer Service. I contacted Customer Service who stated they can not speak with me and that I need to call the third party servicing the account. When I call them they refer me back to XXXX XXXX XXXX Customer Service. Nobody will take ownership of this request and keep sending me back and forth to the same XXXX areas and will not help me get their errors fixed.