davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

This morning I opened a Bank of America Checking account. During this process, funds in the amount of {$25.00} were deposited to complete the process. After completing this process I enrolled in the Online Banking function, which is the only function of this bank I intended to use. After enrolling, I was immediately locked out of the account, and out of access to my funds. Bank of America 's phone support was completely unhelpful and says my account is " too new to be verified online ''. They are trying to forced me to drive miles out of my way to go to a physical branch, which I flat out refuse to do.
Consumer complaint received 2018-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc. (PA)

I have never received a letter providing notice of dept collection. I have never received any phone call in regard to this dept collection. I have no idea what this is about despite my attempts to gain additional information. 

Simon 's Agency did remove this negative note from XXXX XXXX and XXXX, but NOT XXXX. 

I have excellent credit and do not want this on ANY of my records and kindly request that this incorrect dept be removed from ALL THREE credit agencies.
Consumer complaint received 2018-07-18
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: MONEY SOURCE, INC., THE (MA)

On XX/XX/2018 I sent an email at the advice of The Money Source 's customer service to request another veteran who was purchasing my home to assume my mortgage. I got no response for over two weeks. I called the company numerous times over the course of the two weeks to no avail. During this time, the buyers conducted an inspection of our home and while waiting to see if the loan can be assumed, we had to make financial decisions based on the unknown. We agreed to fixes being done on the property which we would not have agreed to if the loan was in fact assumed. 
Our closing was scheduled for XX/XX/XXXX. The XXXX XXXX provided documentation that needed to be signed for the assumption. This documentation relieved the us the sellers of any financial responsibility of the loan. The selling transaction took over two days to go on record because The Money Source did not send the proper paperwork to the closing. This forced us ( sellers ) to pay two additional days of expenses. 
Nowhere in the documentation we signed did anything say we forfeited our rights to our money in escrow. After 30 day, a phone call was made to The Money Source requesting the money in escrow. I was told that I relinquished the rights to that money ( over {$1200.00} ). After speaking with my attorney, many hours were spent dealing with the money in escrow. This is time an attorney had to use to rectify an escrow check which is protected by RESPA. Finally 43 days after the closing, the money was received. 
45 days after close I received a call from The Money Source saying my account is behind! I do not own this mortgage, but my information is still associated with the loan. In an email from The Money Source to the buyers of the property, it stated a payment was not due for 30 day, yet this is the second month the mortgage company is requesting payment ( XX/XX/XXXX, XX/XX/XXXX). XX/XX/XXXX payment should not have been due.

This loan was assumed. Time and money has been sacrificed at the hands of The Money Source
Consumer complaint received 2023-02-27
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2018-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelson and Kennard (CA)

NELSON AND KENNARD IS CALLING TO COLLECT IN FULL ON THE CREDIT CARD DEBT THAT WAS INCLUDED IN BK AND XXXX XXXX ISSUED XXXX. I CONTACTED XXXX XXXX WHO STATED THEY DO NOT HAVE THE CARD INFO IN THEIR SYSTEMS AND THAT THEY VOIDED THE SALE/TRANSFER OF THIS PAST DUE DEBT TO NELSON AND KENNARD WHO STILL WENT THROUGH WTIH THE JUDGEMENT EVEN AFTER BEING NOTIFIED OF THE BK ... THEY SIMPLY ARE TRYING TO POCKET THE MONEY THEY ARE NOT ENTITLED TO BEGIN WITH.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I applied for conventional home loan and got a report from loan company with all inaccuracies which hurt so much. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and According to 15 U.S.C 1681e [ b ] and 15 U.S. Code 1681 [ 5 ] these accounts are in violation of not reporting 100 % accurate. Definitely a defamation to my person. 
The reporting agencies stated that these accounts were properly investigated and came back as verified. However, this is not true when there are several inaccuracies showing on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX I checked XXXX XXXX information for my FICO credit score and they reported the following : XX/XX/XXXX FICO SCORE of XXXX XX/XX/XXXX XXXX SCORE of XXXX XX/XX/XXXX XXXX SCORE of XXXX XX/XX/XXXX XXXX SCORE of XXXX XX/XX/XXXX FICO SCORE of XXXX XX/XX/XXXX XXXX SCORE of XXXX On XX/XX/XXXX I made several telephone calls to Equifax after learning that Equifax was the custodian/owner of FICO and spoke with their representatives XXXX and later, I spoke with Adreana who transferred me to their FICO Department. I got an outgoing message ( with no options ) that referred me to telephone # XXXX. I called this number and was put into a telephone loop with an outgoing message and no options. 

With no options to speak with anyone and no automated options I telephoned the FTC in XXXX, IL and got an outgoing message that phone here ( XXXX ) is no longer in service. I checked ( on line ) and the only phone number listed for the FTC is in Washington, D.C. at XXXX which I called and only got an outgoing message. 

I then called CFPB at XXXX where I spoke with ( XXXX ) XXXX who advised me to file this complaint. 

I owe no one, have never been a day late on any financial obligations for over 50 years and have a personal net worth in the high six figure range. My FICO score appears to just be a number picked out of the air and is not based upon any valid credit information. I owe nothing to anyone!! 

The FICO score assigned to me is not accurate and no one appears accountable for this unfair information.
Consumer complaint received 2023-02-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (MO)

I never receive any type of notice in the mail or email regarding any type of debt owed by Consumer Adj co. I do not know anything about this company. They have violated my rights to dispute and illegally reporting inaccurate information on my credit file which resulted in my credit file dropping XXXX points. On XXXX XXXX, I mailed a certified letter ( XXXX ) requesting proof of original signed contract with my signature on it, proof of ownership to collect on the debt, proof to collect the debt in my state and a list of itemizing charges if any. I'm not sure if I am writing the right company because again I never receive any written notice or email. My consumer rights have been violated by this company and I would for it to be resolved immediately.
Consumer complaint received 2018-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

my loan was transferred XX/XX/18. and I had to make my payment before XX/XX/18 to XXXX, and after to new provider, XXXX XXXX I made a payment on XX/XX/18 XX/XX/2018 i called loancare and was told that they may have canceled my payment, and to wait a few days with the transfer I have 60 days no late fees or report to credit agency, the XXXX loancare calls and leaves a message, I call back and the guy is telling me I have to make the payment I explained I did and I was told to wait a few days to see if it would still process he tells me nope need to make payment now, I tried to explain I would like a copy of that letter, I don't want to have 2 payments pulled the same date, he said trust him and I need to make a payment m I said I did your company messed it up and he said I still have to make the payment today!!!!! now XXXX and XXXX XXXX use loancare for the service of the loans so laon care is the one demanding my payment I told him I would feel better waiting few days make sure the other doesn't process, I than said I thought someone has 60 days so how can you be telling, me that I have to pay today, again I told him the lady on the XXXX told me to wait a few days and that's what I wanted to do, he than said I still have to pay my loan I said I did and they messed up and he than started again I told him again I thought with the 60 days I have some time so whats the rush if I wait a few days and he wouldn't stop so I hung up so sound like they don't follow the 60 day rule with the new transfer
Consumer complaint received 2018-07-18
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. (KY)

I have several hard Inquires on the equifax credit report that are not recognized and I Did not authorize. There is no contact information for me to contact them XXXX. National Credit card companies XX/XX/XXXX XXXX. National Credit Card companies XX/XX/XXXX XXXX All banks XX/XX/XXXX XXXX XXXX XXXX All banks XX/XX/XXXX And one on my XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, 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: LEXISNEXIS (PA)

for the past 2 years I have been attempted to get a copy of my consumer disclosure file from LexisNEXIS refuse to provide me with a copy of my file proper documentation was send to the company on several occasion the last complaint I filed with cfpb the lexisnexis reply & instruct me to request a copy of my report to they website which I did two week later the company send me a letter unable to process your request but provided me with a link and password to download the report when I attempt pull the report with the information provided by lexisnexis the link was legit but the password was fake I'm still not able to get a copy of my own file
Consumer complaint received 2018-08-23
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Delta Management Associates, Inc. (WI)

Week of XX/XX/XXXX, a call was made to a debt collection company. I received notification in the mail about the debt and the notice said that they are willing to offer a settlement. We received the settlement offer with a due date of XX/XX/2018. We agreed and asked for the settlement offer in writing or in an email. They refuse to put the settlement offer in writing. They call every other day asking for payment - even though our settlement agreement had a due date of XX/XX/2018. We have asked repeatedly for a settlement letter for our records and they repeated say they can not do that. Without proof of the settlement offer they agreed to, it is their word against ours for the settlement amount. And now they are calling every other day, as recently as XX/XX/2018, asking for immediate payment. When we mention the settlement offer and the due date, they say they don't know what we are talking about. Then after we push the settlement issue a little more, they suddenly find the settlement agreement. But this is exactly why we wish to have the offer in writing. As soon as we get the offer in writing, we will make payment.
Consumer complaint received 2018-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (IL)

Citibank has started assessing overdraft fees to my account, although I am not enrolled to allow for charges to be made to my card when my balance is low. When I contacted Citibank and asked for them to reverse the fee, they told me that overdraft fees are required as part of the terms and conditions of my account. I never signed on or opted in to any program that would allow for overdraft fees to be assessed to my account. Citibank told me that this is standard to all their accounts, that I can't be removed from the overdraft program, and that they would continue to assess overdraft fees, and I should be more conscientious of my budget. I told them this was illegal per 2010 's Overdraft Protection Law and I was told that I just didn't understand the law and that their fees were typical. 
The fee was eventually reversed, but I was told it was a " one time courtesy '' rather than a correction of a policy that is in violation of the law regarding consumer account overdrafts.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

Hello I've made mutual agreements for late payments with my creditors for XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX The late payments were removed, but data furnishers went back and reinserted late payments onto my report without notice, after dispute was already closed. the back and forth games are destroying me mentally please help. 

I called original creditor who gave me a hard time and would not honor their word or our agreement, also I called bureaus to see why late payments were being put back on my consumer report, no clear answer was given, XXXX XXXX said they'd give me a pass on my late payment. 

this has caused traumatic amounts of sleepless night and mantel anguish I've complained over and over again Ive sent 10-20 letters for months to get rid of these false late payments I am desperate and begging for help to once and for all get rid of these detrimental marks to my report.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the address you have on file for me. The address you have listed, XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX, is incorrect. My correct address is [ Your Correct Address ]. I am writing to request that you update your records to reflect my correct address. 

I have confirmed my correct address with my local post office and on my official documents. I have also included proof of my correct address with this letter. I request that you update your records as soon as possible to ensure that all future correspondence is sent to my correct address. 

Please confirm in writing when my address has been updated in your records. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I filed bankruptcy chapter XXXX XX/XX/2013 & it has been discharged. It appears on both XXXX & XXXX  but doesn't appear at all on my Transunion credit report. Many of the discharged accounts still appear as delinquent on all three credit reporting agency credit reports.
Consumer complaint received 2018-08-23
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. (TN)

On XX/XX/2018 I sent a dispute involving Identity theft to the three major credit reporting agencies via mail and I have heard nor seen anything in correspondence towards resolving this situation. I have been a victim once and feel as if the same problem will haunt me and my personal progression in life.
Consumer complaint received 2023-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OH)

We have had our mortgage sold twice in the last year and don't know why, because we have always made our payments on time. We had always paid our property taxes and insurance on our own. The previous lender added a monthly property tax escrow amount to our payment which we were able to manage. Then it was sold to the current lender and the escrow amount stayed the same until about four months ago when they increased it by almost double. I have communicated via phone, emails, messages on the website and have not gotten anywhere with them. They say the massive increase is to protect them from an increase in property tax. I could see a few extra dollars per month, but not double. The original amount of escrow gives them enough money to pay the taxes every six months with a little left over. We have continued to send them the original payment plus the original escrow amount and they refuse to post it as paid. Regardless of the escrow discrepancy, we are making our loan payment each month and they don't post it because the escrow is too low based on what they now want.
Consumer complaint received 2018-08-23
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Douglas, Chancellor, Meyers and Associates, LLC (IL)

Douglas Chancellor Meyer entered information on the XXXX Credit Bereau with fradulent and falsified information. The date of orginal diliquency was noted as XX/XX/2018. The original loan was from XXXX. The loan went diliquent more than 7 years ago. XXXX XXXX is attempting to re-age the loan in violation of the Fair Credit Reporting Act. No notice of dispute was furnished to me. I contacted XXXX in XX/XX/2018 to dispute the information, also on XX/XX/XXXX and XX/XX/2018.
Consumer complaint received 2018-07-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. I have included their internal file number. My name, ssn, & address has not changed. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report Should they continue in this course of action, I plan to take legal action but I want to create a paper trail. 

INQUIRIES XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX