davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-13
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)

XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX  Equifax, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. The only address that is correct is XXXX XXXX XXXX XXXX FL XXXX. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX  FL for court located at XXXX XXXX XXXX XXXX XXXX FL XXXX at XXXX XXXX  onXX/XX/XXXX
Consumer complaint received 2018-04-13
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: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

These accounts have not provided proof and either was removed or re-inserted without notifying me.

Portfolio Recovery was an account that was removed on XXXX2017 from XXXX but both XXXX  and XXXX have not removed the account, although the creditor failed to provide proof.

XXXX XXXX has not provided any proof or account information but is reporting on my credit report. XXXX XXXX  was an account that was deleted XXXX2017 by XXXX XXXX  account but re-inserted without notifying me or proof.
Consumer complaint received 2018-04-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (MA)

On XX/XX/XXXXI was applying for a refinance loan for my home from guaranteed rate and on XX/XX/XXXX I was asked to pay a {$450.00} fee upfront for an appraisal. The appraiser was an unlicensed intern pretending to be licensed. It was not disclosed that an unlicensed appraiser would be performing an appraisal at my home. On XX/XX/XXXX she came to my home to do the appraisal. The appraisal did not come out favorable and with numerous attempts to resolve this issue with guaranteed rate, this resulted in my loan not being able to be processed. We bought all these issues to senior managements attention. We were promised that the appraiser would redo the botched appraisal, but that never happened. They will not refund the {$450.00} back and we were told sorry it didnt work out, better luck next time. This leaves me with no options, no refinance loan, just a fee to an unlicensed intern who botched an appraisal leading to the loan not able to be processed. We spoke to several managers at the company with no results. This company was supposed to refinance my home not sell botched appraisals. We have been victims of a fraud and scam and the company is negligent to assume responsibility.
Consumer complaint received 2018-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Financial Services, Inc. (TN)

In XX/XX/XXXX I discovered a issue with my credit report. I noticed there were some accounts reflecting on my report that did not belong to me. I disputed the inaccurate information and notified the credit bureau and the collectors that I was a victim of identity theft. I filed a identity theft report with the consumer financial protection bureau ( XXXX ) as well filed a police report with my local XXXX department on XX/XX/2018 ( police report # XXXX ). I sent out a letter to the credit bureau providing them with the necessary information. The reason for my compliant is to report XXXX. They are continuing to report inaccurate information on an account that does not belong to me. Other bureau 's ( XXXX, XXXX   ) has deleted this information yet XXXX is non compliant. I have requested this information to be removed from my report immediately. It has been well over a month with no response from XXXX. 
The accounts are as follows : Creditor ( since the last time I filed the report they have since removed their name from the report. 
Account # XXXX This account was filed in the identity theft report and is still reporting inaccurate. This account does not belong to me. I am victim of identity theft.Please remove immediately Also account XXXX XXXX is also being inaccurately report on my XXXX report XXXX XXXX Account # XXXX This account was filed in the identity theft report and is still reporting inaccurate. This account does not belong to me. 
Please remove immediately
Consumer complaint received 2018-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (IN)

This company is reporting a negative account on my credit report, and we don't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. And the debt is result from identity theft. 

I tried resolving the issue with XXXX on XXXX, and XX/XX/XXXX. Also, I sent the company a letter o nXX/XX/XXXXasking for a legal contract and there was no response.
Consumer complaint received 2018-04-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

I have been working with LoanCare and have been providing documents to be reviewed for a loan modification. As of XX/XX/XXXX they confirmed they received all the documents they requested and were escalating it to the underwriting department due to the foreclosure sale date scheduled for XX/XX/XXXX. When calling LoanCare this morning, XX/XX/XXXX, they informed me that my application is still being reviewed by underwriting, however, LoanCare has not submitted the request to have the sale date postponed. This would be considered a form of dual tracking and violation of Homeowner Bill of Rights if they are stating they have everything they need but yet are refusing to postpone the sale leaving me with limited options and in a stressful situation. LoanCare has failed to provide me with either a denial ( and the right to appeal ) or an approval so therefore the foreclosure sale can not continue.
Consumer complaint received 2018-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America is over charging interest on credit balances.

The statement with closing date of XX/XX/2018 shows my payments of {$120.00}. and a payment of {$1000.00}. However under the column " Balance subject to interest '' it shows a larger, wrong amount which does not reflect the payments. Bank of America is charging interest based on a larger, wrong amount, thus robbing their customers that carry a balance. The bank also closed another credit card account, without prior notice, even when I had maintained current on all payments. This had damaged my credit, without a cause.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX is continuing to report my mortgage loan as being discharged in my chapter XXXX bankruptcy. The loan was modified and refinanced per the modification agreement. I sent a letter and the modification documents to all 3 credit reporting companies. They are stating that the information from XXXX XXXX is correct and continue to report my mortgage loan as discharged in the bankruptcy.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, 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. (CT)

I Called Experian XXXX And XXXX XXXX trying to get these credit inquires off my credit report which are effecting my score. All have told me well just to lock my credit and they cant get the inquires off my report. I only have 3 accounts 2 with XXXX XXXX and 1 with XXXX otherwise they are not mine. would like for them to come off my score so i can start making my credit better.
Consumer complaint received 2018-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

1. On XX/XX/XXXX, my former employer - XXXX XXXX - direct deposited my payroll check for the period XX/XX/XXXX - XX/XX/XXXX in the amount of {$1600.00}.

2. On XX/XX/XXXX my former employer - XXXX XXXX WITHDREW {$1600.00} from my checking account without my permission. 

3. My bank - Wells Fargo - allowed this transaction, facilitated this transaction, and did NOT inform me this transaction occurred. 

4. I ACCIDENTALLY found out of when I made an ATM withdrawal on XX/XX/XXXX and realized my balance was extremely low. 

5. When I demanded my employer return these funds - I was FIRED.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I DISPUTED UNAUTHORIZED INQUIRIES ON MY CREDIT BUREAU FILE AND THE BUREAUS REFUSE TO REMOVE THEM. THEY ARE IN VIOLATION OF FCRA AND STILL REFUSE TO REMOVE THEM. I WAS RECENTLY DECLINE FROM OBTAINING A REFINANCE ON MY AUTOMOBILE LOAN DUE TO THESE ISSUES.
Consumer complaint received 2018-03-14
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BMO Bank, N.A. (WI)

As a first time homebuyer I applied for home loan with my Bank XXXX XXXX. The representative that I been working with first game me an verbal option of FHA or XXXX with 485 % interest rate and {$3200.00} closing cost with my current credit score of XXXX. I received the documents via mail to sign but the documents reflects a completely different information of what the representative told me in person. 
The documents for me to sign has 5.375 % interest rate for conventional loan the rate it is fix but not lock and closing cost it's over {$6000.00}. 
As a first time homebuyer I am not sure what to do so I reached out to my local homebuyer workshop coordinator and she suggested for me to contact you. 
Can you please help me?
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IN)

the inquiry from onemain was made on XX/XX/XXXX, I contacted them as soon as I saw it on my credit report thru XXXX XXXX on the XXXX inquiry details. it drop my score 2 point. I informed onemain that I have not applied for credit since I filed for bankruptcy in XX/XX/XXXX and they told me this credit application was made online with your name address and ssn with my husband email address. at this time neither my husband or I have applied for any credit, loans or unsecure debt. I believe this is Identity thief. 


Onemain XXXX, IN XXXX ( XXXX ) XXXX
Consumer complaint received 2018-03-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (TX)

In XX/XX/XXXX I became unemployed. I continued to keep my accounts with American Express mostly current until I got a new job in XX/XX/XXXX. I started paying down all of my revolving credit at that point. In XXXX, American Express started contacting me about my accounts, which had been open since XXXX. 

I called American Express to determine whether any sort of temporary relief could be had. We were terribly impacted by Hurricane Harvey, and our mortgage company, car leasing company and other revolving creditors helped by offering extended terms or delayed payments. American Express offered nothing. American Express further demanded immediate payment in XXXX. I made a partial payment over {$4000.00} in XXXX and promised a more substantial payment in XXXX. American Express continued to increase the amount it demanded as immediate payment. 

The first week of XXXX I paid American Express {$5500.00}. They called immediately demanding more payments. I asked for any kind of concession, interest rate, split payments, anything. My offer was flatly refused. 

I told American Express that I would then pay off the entire balance owed on all accounts, current and not, and cancel my cards. 

As soon as I told American Express that I would cancel my cards, they immediately reported me delinquent to the credit reporting agencies ; I surmise as a way to pressure me to pay off the balance, which I had already promised to do. Before the end of XXXX, I paid off all of my accounts with American Express, more than {$68000.00}. 

American Express continued to report derogatory information to the credit bureaus despite my calls. As a result, the credit to my business and my other personal lines of credit were diminished to the point I had less than {$20000.00} in credit available. My FICO score went from the mid 700 's to 620. As of today it rebounded a bit to XXXX. I spoke with American Express again yesterday, but they said their credit department was closed. Obviously they did something because nothing in any other account changed. All of the damage was done by American Express after American Express was paid IN FULL.
Consumer complaint received 2018-03-14
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. (MO)

I would like to file a complaint regarding some unlawful practices Ive experienced with TransUnion. I recently reviewed my credit report, and I noticed some inaccurate information. I made TransUnion aware of the inaccurate information on XX/XX/XXXX ( FORM A ). This was sent certified mail in which they received on XX/XX/XXXX ( FORMS B and C ). In my letter, I asked for validation of the unverified accounts as well as everything they had in my files as of that date. In response, TransUnion sent me a letter ( FORM D ) that stated one account had been updated and the other had been verified, however, they did not comply with my request of providing me with everything they had in their file as of that date to support their claim of validation. 
As a response, I followed up with another letter on XX/XX/XXXX ( FORM E ). TransUnion received this letter on XX/XX/XXXX ( FORM F and G ). In this letter, I informed them of more inaccurate and unverified accounts reflecting on my credit report. I also mentioned the accounts that I had originally disputed, and that they had not been properly/lawfully verified as accurate, so they should be deleted. In response, TransUnion sent another letter addressing all of the debts ( FORM H ). I found that two of  the accounts I disputed had been deleted, but other accounts were showing results of validation and/or updated. TransUnion still never sent me proof of such validation or any of physical documents in my file that I had requested. 
TransUnion is violating my rights as a consumer and has not met the time regulations for properly validating accounts. Since they were not able to provide me with the physical proof of what they used to verify these accounts, within the FCRA time frame, they must all be deleted. 

Thank you for all of your help, XXXX
Consumer complaint received 2018-03-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MD)

I have always rounded my mortgage payment up. My loan payment is XXXX. I pay XXXX every month. The balance, though my mortgaged is fixed, adjusts so no matter what the payment is, I always round up, sometimes as much as a XXXX dollars more. As far as I know, I was late once on my mortgage ( resulting from the one time I attempted to pay my mortgage payment through the website which led to a snowball of financial tangles which have been fixed ). 

I pay my mortgage electronically which means real time payment. I notice that while I have a grace period from the XXXX to XXXX of every month, after which I am assessed a late fee, and even though I am not late on my payments, U.S. Bank has been applying the extra money I pay every month to late or other fees, so that the extra money I pay doesn't affect my balance. Please also note that they say I pay {$3000.00} a year in county taxes. I am calling the county to confirm this is incongruent with the actual statement I receive from the county.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I received in the mail a letter from equifax stating that information on my credit report has been updated. Everything that I could see was accurate EXCEPT my social security number is wrong. When I called equifax, I spoke to a representative by the name of XXXX who said that my information was given to them by a bank but could not or would not disclose the name of so called bank so I could call this bank and have them fix the information. All 3 banks Ive had in the past 3 years all have my correct social security number. When I asked him to update it he said he could not update it without me faxing a copy of my ID & social security card which I told him I didnt feel comfortable doing. He said he was stationed in the XXXX which made me uncomfortable to be faxing over my personal information as a citizen of the United States and someone over seas is handling my credit?! I then asked to be transferred to his supervisor to resolve the matter which I was placed on hold for upwards of 20 minutes which I then hung up. I want equifax to report my valid social security number and to give me the name of the bank who supposably gave them this incorrect information so I can straighten this out. I have not been able to access my free yearly credit report due to this inconvenience!!
Consumer complaint received 2024-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Under 15 USC 1681c-2, I noticed unauthorized inquiries on my credit report. These errors are lowering my score, so please remove them. Thank you!
Consumer complaint received 2018-03-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivable Management Group, Inc. (GA) (TX)

Today XX/XX/2018 I received an alert from my credit monitoring that this collection account popped up on my credit report. I have never done business with this company nor do I have a contract with this company. I, as a consumer, have rights under the FDCPA that the FTC enforces. This collection agency has never contacted me in writing to VALIDATE not VERIFY this alleged debt. This collection agency just appeared on my credit report and I have the alert to prove it. If this company does not follow the law properly I will have no other choice but to contact my Consumer Rights Attorney and sue this company. If I owe any company money it must be presented according to the law and popping up on my credit report out of the blue is not according to FDCPA laws. I have never received anything in writing from Receivables Management Group., I have never been given the opportunity to dispute and request validation as FDCPA states I have the right to do. THIS IS A CLEAR VIOLATION OF Receivables Management Group illegally placing information on my credit report without my consent, knowledge or written authorization as required by the FCRA. I have also contacted my consumer rights attorney who is with the law firm XXXX XXXX XXXX. I have never been given the right to dispute. REMOVE YOURSELVES IMMEDIATELY OR I WILL INITIATE A LAWSUIT FOR VIOLATION OF THE LAW.
Consumer complaint received 2018-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I continue to try to resolve this with Bank of America. However, they continually place themselves in a position of legal representation and bill collectors for a company who is not even their customer. It is appalling to think that a bank cares this little about one of their customers. I have tried multiple times to explain that the merchant had NO authority to charge my card. But the powers that be at BofA dont care at all about using any common sense at all. Even though I have explained that the merchant is trying to double collect by charging me and also a lien on the property involved, they dont listen or care.