davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (MI)

This comp any Mascarades as a mortgage company but is only a debt collector. They are rude, ruthless and very unsympathetic. We  became behind on our mortgage and when we tried to make a payment they wanted all our financial and personal information. We refused to give this information and tried to make a payment. When we refused our personal info they would not accept our payment and we were hung up on. We then made a payment thru there automated payment system receiving a confirmation code only to find out days later they cancelled the payment therefore charging us more late fees. After 4 months of struggling to get caught  up ( with no assistance from seterus ) and many harassing phone calls from them we finally got completely caught up only to be charged new " home inspection '' fees which were charged to our mortgage one day after being completely caught up. This is the worst " mortgage '' company and will definately be working vigilantly to get away from this company as soon as possible. I would rate this company as -10. They make it impossible to keep your house and make it very clear they are not going to help.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

I am writing to formally dispute the fraudulent account reported by XXXX XXXXXXXX with account number # XXXX on my credit reports. This account is entirely fraudulent, and I have no knowledge of its origin. I demand the immediate removal of this account from all credit reporting agencies and request a thorough investigation into this matter. 

Issues Identified 1. Fraudulent Account : The XXXX XXXX  account appearing on my credit reports is not authorized by me, and I have never had any dealings with this entity. The account is fraudulent and should not be associated with my credit profile. 
2. Violation of Privacy and Potential Fraud : The presence of this account suggests a breach of my personal information and potential identity theft. This unauthorized account is a violation of my privacy and potentially involves fraudulent activity. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The presence of a fraudulent account violates this requirement. 
2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified. 
4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Fair Debt Collection Practices Act ( FDCPA ) : Prohibits debt collectors from using unfair, deceptive, or abusive practices in the collection of debts, which includes reporting fraudulent debts to credit bureaus.
Consumer complaint received 2017-06-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NV)

This company Midland is trying to keep a very old debt on my credit file for over 7 years. The DLA is over 7 years. A statement showing I owe a min payment XXXX for $ XXXX is not evidence when this account DLA is. No credit card has a min payment of XXXX. This is violating my rights. I want this removed as it is PAST THE STATUTE OF LIMITATIONS
Consumer complaint received 2017-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

I enrolled in electronic billing for  my American Express Cred it Card and to receive email notifications for when my bill is due. I do not have record of receiving an email bill for my  XXXX  or  XXXX   2017 . Because I had not used the card recently an {$11.00} balance went delinquent for 34 days before I caught the error. I do not have record of receiving a bill or warnings of a delinquent payment. As a result my  XXXX   credit score declin ed to  XXXX  from  XXXX . I have never been late on any payment prior to this insignificant balance bu t American Express is un willing to correct the error or acknowledge if an email was sent on the bill. To test the alert system in  XXXX     2017  I mis sed an {$11.00} payment by a couple of days to see what alerts American Express would provide, which it does not. I also noticed that American Express does not disclose the account is delinquent in the email only if you sign into your account to view the bill ( see attached image ). If you enroll in electronic billing and receive emails the credit companies should, at the least, provide an alert in the email that the bill is delinquent. They are saving money on paper bills and postage and could easily provide alerts that the bill is delinquent to avoid this issue on an insignificant balance. I called the company and was referred to three differen t departments and spent a couple of hours on the phone only  with 5 different people only to hear that there is nothing they could do to revise the delinquency because they are not at fault.
Consumer complaint received 2024-10-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America failed to repair my credit score after nearly one year ongoing fraught on closed credit card after their representatives reassured me me they will send information to credit agencies to fix my credit score.
Consumer complaint received 2017-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. ()

I have just found on my credit report that I have a collections attempt from Company DIVERSIFIED CONSULTANT Payment Status Collections Status Date  XXXX / XXXX / XXXX  Balance {$830.00} Balance Date N/A Address  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  As you will see in my previous complaints datin g back 2 1/2  years :  XXXX   XXXX   XXXX   XXXX   XXXX  contacted me in  XXXX ,  XXXX  about  a   XXXX   XXXX   XXXX  bill for {$830.00}. I paid them on their web site on  XXXX / XXXX / XXXX   XXXX    XXXX   XXXX    XXXX  FL  XXXX  with a card ending in  XXXX  for {$820.00}.     Clearly  XXXX   XXXX  DID NOT inform  XXXX   XXXX   XXXX  that the bill was paid as an entirely new credit reporting agency has taken up this collections notice.     I can not express enough my distain for  XXXX   XXXX  and their totally corrupt and on-going business practices.
Consumer complaint received 2017-04-26
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: Experian Information Solutions Inc. (AR)

I spoke wit h two  representatives from  XXXX   XXXX   XXXX  about my car loan that I paid off last month, and how the loan is not showing on any of the credit reporting agencies, and I have paid every payment on time for the last  five  years, but nothing is on my credit reports. I was told that since I filed bankruptcy in  XXXX  of  XXXX  that they took it off of my credit reporting, however this loan was not included in my bankruptcy and was never affected. I need this loan to show that I took it out in  XXXX  of  XXXX , made the first payment in  XXXX  of   XXXX   and every subsequent payment until I paid it off in  XXXX  of  XXXX . Every payment was made on time and even prior to the due dates. None of this is reflected on my credit reports. I have the letter from  XXXX  stating that the note has been paid in full, I have the lien free title, and I have the payment schedule from  XXXX  showing each payment paid over the last 5 years. My loan # is  XXXX . I was also told that I had to contact my bankruptcy attorney to get this corrected, which I did, and she stated that they are incorrect in not updating my credit reports.     Thank you,  XXXX
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX.

3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit 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 (TX)

Dear Sir/Madam, RE : BOA CLAIM XXXX I've been a victim of identity theft, and my E-Wallet was compromised including my bank of America 's Cash Rewards credit card ending in XXXX. Due to my international travels including my father 's critical condition overseas and death, I wasn't monitoring my accounts until last year XXXX XXXX when I found out about these unauthorized transactions with XXXX  although these transactions were going on since XXXX. The included BoA account statement states the total amount ( {$15000.00} ). I've reported the issue to the police and opened a claim with bank of America however, they did not resolve the issue claiming due to history of repeated transactions. 

This matter exhausted me financially and mentally as I was liable to fees and payments out from my own hard-earning money to pay for something I wasn't responsible for at all. Additionally, this issue negatively and significantly affected my credit history and score since. 

I am kindly seeking your assistance in solving this matter as soon as possible. 

Thank you for your time in advance. 

Please feel free to contact me for any questions. 

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2017-04-26
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. (AR)

I spoke wit h two represen tatives from  XXXX   XXXX   XXXX  about my car loan that I paid off last month, and how the loan is not showing on any of the credit reporting agencies, and I have paid every payment on time for the  last five years,  but nothing is on my credit reports. I was told that since I filed bankruptcy in  XXXX  of  XXXX  that they took it off of my credit reporting, however this loan was not included in my bankruptcy and was never affected. I need this loan to show that I took it out in  XXXX  of  XXXX , made the first payment in  XXXX  of  XXXX  and every subsequent payment until I paid it off in  XXXX  of  XXXX . Every payment was made on time and even prior to the due dates. None of this is reflected on my credit reports. I have the letter from  XXXX  stating that the note has been paid in full, I have the lien free title, and I have the payment schedule from  XXXX  showing each payment paid over the last 5 years. My loan # is  XXXX . I was also told that I had to contact my bankruptcy attorney to get this corrected, which I did, and she stated that they are incorrect in not updating my credit reports.     Thank you,  XXXX
Consumer complaint received 2017-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I spoke  with two repre sentatives from  XXXX   XXXX   XXXX  about my car loan that I paid off last month, and how the loan is not showing on any of the credit reporting agencies, and I have paid every payment on time for the la st five years, b ut nothing is on my credit reports. I was told that since I filed bankruptcy in  XXXX  of  XXXX  that they took it off of my credit reporting, however this loan was not included in my bankruptcy and was never affected. I need this loan to show that I took it out in  XXXX  of  XXXX , made the first payment in  XXXX  of  XXXX  and every subsequent payment until I paid it off in  XXXX  of  XXXX . Every payment was made on time and even prior to the due dates. None of this is reflected on my credit reports. I have the letter from  XXXX  stating that the note has been paid in full, I have the lien free title, and I have the payment schedule from  XXXX  showing each payment paid over the last 5 years. My loan # is  XXXX . I was also told that I had to contact my bankruptcy attorney to get this corrected, which I did, and she stated that they are incorrect in not updating my credit reports.     Thank you,  XXXX
Consumer complaint received 2017-04-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (AZ)

On  XXXX   XXXX ,  XXXX  I purchased a mattress and box spring from   XXXX   XXXX  . They use Synchrony Bank for their financing. The cost was {$4700.00}. My payments are due on the  XXXX  of each month. I have been paying my bill almost a month early since the first month the bill was due. I do n't like having debt. On  XXXX   XXXX ,  XXXX  I received a message to ca ll Synchrony rega rding a past due bill. The call was answered by a non English speaking woman, so I asked to be transferred. I then spoke to a man who said he was in the collection department. He told me I owed {$220.00} the {$27.00} was the late charge. I then read him the dates and validation numbers for each payment. He told me that he could see the payments and that it is my fault because I pay ahead of time. He said he took the late charge off and brought my account current. I did n't get the feeling that he really did what he said and then I began to worry that th e may have re ported me to the credit bureau. I called back and again spoke toe supervisor who proceed to again tell me it is my fault and that he would n't even brother to see if I had been reported. He also told me he did n't even care if I paid my bill. This bank needs to change their computer to accept early payments and train their people to be customer friendly. From the comments I see, they really need to be put out of business. Please help me correct my problem before they destroy mu credit.
Consumer complaint received 2017-04-27
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. (NY)

XX/XX/XXXX - re quested report from Transunion after viewing score which was  XXXX  points lower than other scores.   * requested to correct name and aka- * removed an address that was not mine * disputed closed account which was sold to another company- school loan Result- They said they corrected but after receiving report  XXXX  it was the same *corrected address-removed * dispute not resolved  XXXX  - asked to make the necessary changes & disputes because this was harming my credit   XX/XX/XXXX -  changes still not completed and the disputes are on the report as * consumer disputes this item- this is harmful in itself. I thought it is to be resolved or removed 45 days. Called and complained still no change.     It is now   XXXX   looking at my report and the very same issues are there. I called  XXXX   XXXX ,   XXXX   to dispute and CS stated all the credit reporting agencies has their rules, Transunion rules are set and we can not change the scores even if we have the same files as other companies.     I have tried over 4 years to get this corrected and compliant which is fair to me and just.
Consumer complaint received 2017-04-25
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WI)

on   XXXX   XXXX   i called Equifax 3 times, was hung up on twice, the last person named   XXXX   took my complaint and he said that for inquiring on    XXXX   XXXX   XXXX    this will add another 10 years which will not remove til    XXXX   XXXX    This is a fake. this account has been inactive since   XXXX   this is now  XX/XX/XXXX , i then called   XXXX   XXXX   and also got the run around, the rep who talked to me wanted me to give her my social security number, so i did, then she wanted my current address, so i gave her that, then she wanted my full name, and i gave her that, when i explained that this report has well over 10 years of stagnation to be removed she wanted the credit card number, i closed this account years ago, i dont have any card attached to them, so then she wanted me to send her or them a credit report of the statement i called about, i told her i am a   XXXX   XXXX  , i dont have access to an address to be doing this, so she pretty much was defiant on resolving this issue.
that makes it 18 years old. this should of been removed long time ago.   XXXX   XXXX    is a defective company and very undermining, just getting them to stop sending me statements when I lived in North Carolina from  XX/XX/XXXX -   XXXX   took the help of the   XXXX   because calling these people or animals was nothing more than defiance, insubordination and absolute refusal to meet civil rights. Who ever developed these credit bureaus was someone who wanted drama and chaos to happen. Such a pathetic boring way to live. these people are pompous and immature, no business skills, not even a business more like a sham.

here is what is on Equifaxs form:
equifax report

  XXXX   XXXX  

  XXXX   XXXX   

  XXXX   XXXX
Consumer complaint received 2017-04-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (HI)

In  XXXX , I closed a mortgage with   XXXX   XXXX   XXXX   XXXX  . An additional {$5000.00} was transfered from  XXXX  to first American title company in escrow in a hold back status for a solar hot water heater improvement project. The project was never completed due to deployments. I recently contacted first American title to have the funds released since I now need to replace my hot water heater. They claim that they escheated the money back to usaa in  XXXX . They only supporting documents to back this up is an escheating report showing {$5000.00} and a bulk wire transfer of $  XXXX  to the unclaimed funds department of texas. I have been in contact with the title company, every department of  XXXX , all three mortgage management companies involved with my mortgage and  Noone  is able to locate these funds and release them to me. It has been 3 weeks without hot water in my home and I am at the end of my rope. I have been paying on the adjusted mortgage total that includes the {$5000.00} since  XXXX .
Consumer complaint received 2017-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Between  XXXX   XXXX  and  XXXX , there were  XXXX  fraudulent charges on my card account under the merchant name "  XXXX    XXXX   XXXX  . '' I disputed the charges online, locked my card, and had additional questions that were outstanding  ( w ould my interest be calculated excluding the fraudulent charges? Since my billing date fell before their estimate of when they could remove the charges, would the credit bureaus be told the incorrect total balance on my card? ) I calle d Capital One 's   fraud department, identified myself and the issue, and the person on the phone said " Ok -- we 'll lock your account ... Looks like those charges are already frozen? '' She had no idea what I was asking, so I asked for a supervisor. I got on the phone with a supervisor ( Sounded like "  XXXX  ' ' )  who then told me that I should just make sure to pay for the specific charges that I actually made, and just not pay the fraudulent ones. I explained that a credit balance is a number -- a consumer does n't get to choose where they pay. Then I asked for her supervisor. I got on the phone with ANOTHER supervisor, who I asked my questions of, who then said that " Obviously, you would need to call the fraud department to ask those questions. '' I explained that in fact, I had called them. Then she said " Oh -- they transferred you here? We have this problem all the time. '' At this point I had been on the phone asking for help fo r 45 minutes and missed a meeting and had zero a nswers and had been told that OBVIOUSLY I would need to do what I already did to get help.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

In     2015   I started receiving letters from the  XXXX  saying I owed them taxes for employees I had. I am a   XXXX   XXXX   XXXX     and have no employees. My old roommate was employed by  XXXX  and spoke to me about using their services if I expanded. She then used my name and a fake social security number to create a fake payroll account in order to meet a goal for a company funded vacation to  XXXX . I started having money taken from my bank account without any authorization and when I told her she assured me it was a mistake and would be fixed. I had to contact my bank in order to stop them from taking these funds. I thought it was resolved until I started to receive letters like the  one  I have attached showing I owed them {$4000.00}. They said they would withhold my next tax return if it was not paid, but then a few weeks late r on    XX/XX/2015    th ey took {$1400.00} from my bank account. At this point I contacted them and  XXXX  and explained the situation I explained to you.  XXXX  was no help, besides firing this employee that committed fraud, and the  XXXX  eventually released the lien o n    XX/XX/2015 . I  have attached that proof as well. However, they would not provide any assistance to remove the lien from my credit history. It shows the lean was released, but it still shows up on my credit report, hindering me from being accept for any business or personal loans or credit. I disp uted this Public r ecord with all three creditors and it is still on my credit reports.