davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2015-03-24
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (FL)

I 'm no longer an account holder of SunTrust. I used to be until I realized how unethical of a company that is. Let me explain to you why I believe this : For years, SunTrust advertised and promoted in big letters their XXXX XXXX debit card. With that card, an account holder could earn XXXX mile for every {$1.00} spent ( for debit and credit card transactions ). SunTrust even advertised that they would not put a cap on a cardholder 's ability to earn miles. 

Over the past XXXX months, SunTrust must have reviewed their debit card portfolio and what they did as a result of their review is shocking : They closed all account holders who had earned above average number of miles regardless of the types of products they purchased, regardless of the length of their relationship with SunTrust, and regardless of the amount of money in their checking accounts. I know of at least XXXX cases where SunTrust contacted XXXX XXXX to have the miles in the cardholder 's account reversed!!! 

SunTrust is clearly engaging in what is commonly referred to as " bait and switch '', a marketing strategy of getting customers to sign up for a product ( that, by the way, carries a yearly fee of {$75.00} ) and then, once a certain number of miles are earned, the account is closed. This is unacceptable and a regulatory violation. 

If SunTrust does not immediately stop closing accounts and reversing miles already earned, I 'll notify a well-known XXXX XXXX lawfirm to pursue a class action lawsuit against SunTrust and its XXXX and XXXX individually.
Consumer complaint received 2015-03-23
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (TN)

I settled my mortgage account in XXXX 2014 as agreed on between me and my mortgage lender. As of date my credit report is reflecting that my last date of payment was made XXXX 2014, and that I was delinquent several months after the final payment was made. I have continuously disputed this information under the FCRA with the credit bureaus yet the creditors keep verifying that the information is accurate. I then disputed the information with the creditor Citifinancial and they refuse to change the information to reflect the date of my last payment. They are not reporting accurate credit information. 1. The date of last payment is wrong 2. I ca n't be late on an account after it has been paid
Consumer complaint received 2015-04-14
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America abruptly and without warning closed my credit card account after 16 years. I called to find out why and was told they reviewed my credit report and decided to close the account. My account was and is in good standing with timely monthly payments. 16 years of an account in good standing. How can BOA close it abruptly without any cause?
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX - XXXX XXXX XXXX FIN - XXXX
Consumer complaint received 2016-02-24
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Platinum Holdings Group, LLC (GA)

I have been receiving harrassing phone calls since XXXX XXXX 2016. The person calling stated they are from Platinum Holdings aka Premium Asset Services aka PAS LLC- from a man with the name of XXXX XXXX . He uses threatening and vulgar language. He is very combative on the phone to the point of belittling you. He has stated that I owe roughly {$7000.00} to them from an old XXXX XXXX credit card account. He stated that I had until next business day to pay or I would encounter a law suit. When I told him I did not have that type of money and that I would need to speak with my spouse about this issue he stated " You didnt speak with your spouse when you rang up this debt. '' then continued to ask me " Where are you going to get money to pay me by tomorrow '' He has also gone as far as to call other part of my family and threatening them as well, calling my mother " a XXXX like her son ''. This type of abuse should never be allowed to take place.
Consumer complaint received 2015-12-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Oracle Financial Group LLC. (NM)

On XXXX XXXX, 2015 I was contacted by XXXX XXXX with Oracle Financial Group. He left a voicemail message on my cell phone with his contact information and a reference number, XXXX at XXXX XXXX.. I returned the call at XXXX XXXX. He stated that they were an arbitrary company for XXXX XXXX XXXX in regards to a debt I owe from XXXX XXXX. I asked him to send me a debt validation notice. He stated that XXXX XXXX XXXX does not communicate through mail so I would not get a validation notice from them. I told him that I would not proceed in further conversation unless I received a notice. He stated that it might take him a while but he would send verification of debt. I still have not received any proper notice of debt. Today, XXXX XXXX, 2015 I received an automated message. They identified themselves as OFG ( Oracle Financial Group ) LLC and the same reference as before, XXXX. They are in direct violation of the Fair Debt Collection Practice Act.
Consumer complaint received 2015-08-07
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have called XXXX times to Bank of American to remove my PMI and I was told each time that they need me to complete forms that they will not send. They say they send them but after calling XXXX times to ask why I have yet to receive any forms they just tell me they mail them.
Consumer complaint received 2015-12-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EXPERT GLOBAL SOLUTIONS, INC. (MA)

Since I have my new number, NCO FINANCIAL SYSTEMS , INC calls every morning/ sometimes twice a day asking for a person who apparently my new number belonged to in the past. Sometimes automated or direct calls. We have talk daily to let them know we do not know her/nor related to her in any way. for this is a new number, and they say they will stop calling but they continue. This has been happening for a year now.
Consumer complaint received 2015-12-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

Hello. To start off I applied with my mortgage company, Carrington Mortgage, to pay by automatic payments. Approximately 4 months after sending that application through the mail they finally start taking it out of my checking account. The problem was that I had already paid that month 's payment and they never even sent me any notification that it was going through. I made my payment on XXXX/XXXX/2015. The automatic payment went through on XXXX/XXXX/2015. No big deal though because they can refund me my money right? WRONG! I call and they tell me I have to fax my bank statement in to them so they can send me a check. Ok no big deal except every time I tried to send it ( and I tried a lot, at a lot of different times and days ) it says its busy. I called back and they said I could email the statement to them. I call them back to see if they received it and they say that they cant accept it by email. I ask if I can mail it to them. They say nope it has to be faxed. I tell them the issues I 'm having but they do n't seem to care. I ask to talk to a supervisor or manager and they put me on hold and then hang up on me. I called last night and again today and they give me a different fax number each time, none of which have worked. They tell me there is nothing they can do until they receive that statement. I just want my money back before XXXX and it does n't look like they have any intention of refunding it to me. I do n't know what else to do. Hopefully you can help me out. Thank you!
Consumer complaint received 2015-04-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

There is a current motion @ XXXX XXXX courthouse Florida by plaintiff to reset a sale date on this 100 % illegal foreclosure attempt. XXXX is a brief detail of this abuse. 
A. After sitting unprosecuted for over 5 years on XXXX XXXX, XXXX I had Non-Jury ( XXXX ) trial versus Countrywide XXXX XXXX XXXX XXXXXXXX/Bank of America at XXXX County Courthouse in XXXX XXXX , XXXX. Case # XXXX. 
B. Florida 5 year Statute of Limitations ( SOL ) expired XXXX XXXX. 
C. Among the serious deficiencies are:1. Plaintiff lacks legal standing to foreclose. 
2. Robo-signing of documents, robo-testifyer for XXXX XXXX at XXXX trial. 
3. LOSS/DESTROYED ORIGINAL PROMISSORY NOTE upon filing Lis Pendens in XXXX ( only copy endorsed in blank provided ). As of XXXX XXXX, XXXX per robo testifyer personal notes with him at trial, original promissory note still lost/destroyed. 
4. Lender force placed homeowners insurance charged at gouging XXXX, XXXX times normal rate and purchased from plaintiff controlled or owned insurance company.
Consumer complaint received 2024-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX Balance : {$640.00}
Consumer complaint received 2024-09-05
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. (MI)

I explained to the credit bureaus that these happened without my knowledge and these accounts were added fraudulently but they still remained thereafter blatantly violating my consumer rights. I filed an ftc affidavit and forwarded another affidavit to the accused parties which are TransUnion, XXXX, and XXXX due to be delivered at a later date. These are accounts I did not authorize or give consent to open or inquire upon my credit profile. 
Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Auto Finance XXXX XXXX XXXX XXXX XXXX Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Innovis (AR)

XXXX  IS FAILING TO DELETE THIS ACCOUNT AS INSTRUCTED BY XXXX XXXX XXXX AUTO LOAN NO.XXXX. THE F.C.B.A. DISPUTE HAS EXPIRED 36 DAYS AGO.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion, XXXX and XXXX. Please delete the following accounts XXXX XXXX XXXX XXXX  - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXX  - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXX  - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Penn Credit Corporation (NY)

On XX/XX/XXXX, I moved out of my apartment which carried an outstanding balance of {$270.00} from XXXX XXXX, my electricity provider. I was not aware of this balance until XX/XX/XXXX. I paid in full on XX/XX/XXXX ( proof attached ). However, XXXX still sent my account into collections with Penn Credit Corp on XX/XX/XXXX several months after satisfying my debt. Penn Credit Corp reported my erroneous delinquency to all three credit bureaus which caused my credit score to drop 72 POINTS. I called Penn Credit Corp on XX/XX/XXXX to resolve the matter and a representative by the name of XXXX informed me that XXXX XXXX did not alert them that I had cleared my debt. I conferenced XXXX on a call with XXXX XXXX as proof and was told that there was nothing that could be done. XXXX XXXX is at fault. They sent me to collections after I paid my bill, they didn't alert Penn Credit that I was up to date and now my credit score has suffered tremendously and unfairly.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Coastal Credit, LLC (OH)

I received a loan from Coastal Credit LLC. I was in an accident where my car was totaled by a drunk driver. the total amount owed on my loan was {$11000.00} ( i have submitted my loan paperwork from Coastal Credit LLC ). XXXX paid {$9000.00}, GAP insurance paid {$1600.00}. The taxes remaining on my loan was {$570.00}. Coastal Credit LLC is reporting that I owe {$2900.00}. The only amount I owe are the taxing remaining of {$570.00}. 

XXXX ( PAID ) XXXX ( PAID ) GAP:XXXX ( PAID ) Taxes:XXXX ( UNPAID )
Consumer complaint received 2024-09-05
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)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2018-02-16
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. (FL)

Equifax refuses to dispute these items XXXX XXXX XXXX Open XX/XX/XXXX XXXX XXXX XXXX XXXX total amount {$950.00} XXXX XXXX XXXX Open XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Total amount {$1100.00} XXXX XXXX XXXX Open XX/XX/XXXX XXXX XXXX XXXX The amount is {$300.00} XXXX XXXX Open XX/XX/XXXX XXXX XXXX XXXX {$670.00} is the amount All these accounts are fraudulent and furnished on properly someone stole my identity and used to rack up medical debt the XXXX XXXX XXXX XXXX XXXX   never used XXXX XXXX XXXX and they're showing up on my credit report which Equifax refuses do anything about it
Consumer complaint received 2024-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

2000. Was stolen in XXXX pa. 
At XXXX XXXX auto. BofA card was used 5 years ago. 
XXXX. Was stolen by XXXX XXXXy and XXXX  XXXX at XXXX XXXX XXXX pa XXXX XXXX XXXX bank. 

There is no investigation and nothing is being done about this!! 

Bank of america headquarters should be helping me with this and they are not!! 

Bank of America Corporate Center, XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 

The attorney general is next and FBI!! 
FCC? 
Ftc? 
Supreme court and everything is in DC. 
And I have XXXX lawyers now so I should be getting help If BofA takes a XXXX!!