davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Description of complaint : In XXXX, I spoke to BofA 's to cancel my owner 's HO3 policy for insurance on my new home. I was advised the HOA Master Policy covered it. I spoke with the insurance team and sent them a copy of the Master Policy on XXXX, and was told it was sufficient. Well 2 mortgage payments later, in XXXX, the escrow was still inclusive of the owner 's HO3. I called BOFA again, spoke with a representative that said she will have the insurance removed, but instead she attempted to cancel the entire escrow. I received notice that it was denied, on XX/XX/XXXX, so I called back and was told that they would correct the request, and resubmit, and I had to cancel with my insurance company. On XX/XX/XXXX, i got an email that it was denied again. I called back and was then advised that it would take 30 days to process, and that XXXX would not include the insurance, but it did. I called on XX/XX/XXXX and spoke with 2 mgrs - one named XXXX, who finally advised she contacted the insurance team and confirmed the HOA Master Policy was sufficient, and that the insurance team would clear it up witihin 30 days, as it had to go through the final steps, and any money owed would come back in a check. She told to continue paying the full amount in the interim. Today, XX/XX/XXXX, i received a call from " XXXX - XXXX XXXX in PA '' stating she needs proof of insurance. I asked her why, she said she didnt know and transferred me to inurance. Insurance representative XXXX said she sees the policy was cancelled and the Master Policy was proven ok, so she transferred me back to customer service to get the policy removed. She merged customer service, - who said insurance would do it. XXXX XXXX wouldn't speak to me again, and the had her agent transfer me to insurance manager XXXX, who hung up on me. This is very unprofessional and high level incompetence. I will let social media know that BofA is a horrible morgage servicer, as my house is the only thing in jeopardy due to their incompetence. And mgmt doesn't care. Im a sad First Time Home Buyer. The only ones that can resolve my issue dont care enough.
Consumer complaint received 2019-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I filed Bankruptcy and included my XXXX XXXX XXXX credit card. The debt was discharged but XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX. I have provided both companies with proof of my discharge and their debt and XXXX XXXX XXXX is listed as a discharged by the U.S bankruptcy court, but they refused to remove it and are constantly trying to collect a debt that has been discharged. that's illegal -- I have included proof that my bankruptcy was discharged and XXXX XXXX XXXX is listed in the paperwork I have included proof to show my balance was paid
Consumer complaint received 2019-01-14
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. (IL)

I am concerned about the validity and accuracy of the credit report which I acquired online ..They are just simply amazing! They put stuff on my credit report without even warning me about it. I am a victim of identity theft and the account is not my responsibility.. 
XXXX XXXX XXXX
Consumer complaint received 2023-06-29
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. (MD)

These accounts below on my Equifax report are reporting incorrectly. XXXX XXXX has been closed and paid for 5 years but somehow on XX/XX/XXXX Equifax has reported this account back on my consumer report showing a past due balance of {$21000.00}. Also, XXXX XXXX XXXX has been paid off since XXXX but yet Equifax is still reporting a balance of {$11000.00}. This inaccurate reporting has damage to my credit worthiness. ( 1 ) XXXXXXXX XXXX XXXX Acct XXXX XXXXXXXX } ( 2 ) XXXX XXXX XXXX Acct # XXXX }. I am appalled that Equifax has adding XXXX XXXX XXXX  Acct XXXX XXXXXXXX causing major damage. Something has to be done about this.
Consumer complaint received 2023-06-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

There has been a hard pull on my Credit report by Bank of America dated XX/XX/2023. 

I never authorized such hard pull to Bank of America, or any products affiliated with them. I am not a Bank of America customer nor was I soliciting any of their products or products affiliated with them. 

I have done extensive research to see what could have caused the hard pull, but all I can conclude is that this was not me, I never authorized this credit check. It was either an error or it was the result of fraud/identity theft. 

I have sent a written letter to both Bank of America and the credit reporting agencies a few weeks ago but have yet to hear back. 

I would like to speak with someone in Bank of America who can provide more context and ideally, acknowledge the mistake and have the hard pull removed from my credit report.
Consumer complaint received 2023-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MN)

I previously filed a complaint back in XXXX, which has now closed. The complaint ID is XXXX. It was closed on the grounds of monetary relief of {$23000.00}, however, my accounts all increased but I have yet to receive the payment and it's been 2 months. So as of right now, my accounts all increased, but I never received my refund.
Consumer complaint received 2019-01-14
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with signing the paperwork
Company: SLM CORPORATION (NJ)

I was approved for both Spring & Fall semesters when I applied XX/XX/2018. I am approved and the current status if 'certifying with school '. The financial aid department claims that they can not find the loan from XXXX, while XXXX states there's nothing they can do and to speak with the school. It is very frustrating the be in a circular loop where each party states the other party is responsible for the next step. I want my loan funded in the amount of {$37000.00} or the cost-of-attendance.
Consumer complaint received 2023-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MI)

To Whom It May Concern, Upon recent review of my credit report, I noticed that there was a collections trade-line placed on my account by the company known as Credence Resource Management XXXX I have sent multiple letters via certified mail disputing their claim that I owe them money. I have no knowledge of this debt. More than 30 days has passed from the date of disputing claim with no investigation conducted by XXXX XXXX XXXX to resolve this matter. Due to the fact that there was no response or investigation conducted by Credence Resource Management about my dispute, they are in violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). I request that XXXX XXXX XXXX remove the collections trade-line immediately, or it result in small claims legal action against their company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2023-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Management Services, LP (MA)

I had my identity stolen when Massachusetts unemployment had that huge huge break in a few years ago and I lost thousands from my checking account as well. 

XXXX is a card that I inherited in my divorce and they sent it to collections just when I could pay it end its charger off right now on my reports and I would love to just pay city directly the full amount that I owe them of XXXX, then pay XXXX to a debt collector I have attempted to get in touch with someone there to discuss this and have been completely unsuccessful. I just get put on endless holds. 

I have the full amount in hand in my bank and I am moving out of my million dollar family home and downsizing next month to a condo so Credit is excruciatingly important if I could pay XXXX the full amount can they take it off the report, the months and months they switched to charge-off are killing me, and they just dont seem to want to talk to me.
Consumer complaint received 2023-06-30
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. (WA)

Equifax is not doing their job every time I submit a dispute regards an unkown hard inquiry and wrong name on file. Once I submit the claim, I get the results within a FEW hours! 
Normally dispute results takes at least 30 days to arrive. This is very odd to get a results within a few hours. Eqifax agents is not willing to work with me, they just wants to hangup the phone. 
Eqifax is not willing to remove the unknowen hard inquiry, and the wrong name.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXXXXXX XXXX XXXX recently added a XXXX  day late payment to my credit report for an account that has since been closed since XXXX. There hasnt been any late payments to this account and this issue was updated and resolved by XXXX XXXX in XXXX. As of last week, XXXX XXXX card has added a late payment to a closed account for XX/XX/XXXX out of the blue. Im not sure why XXXX XXXX  has added this information because I have credit reports reflecting no late payments from this company and it was paid never late. I dont understand why XXXX XXXX would update a closed account with incorrect information and would like it to be removed as the account was never late.
Consumer complaint received 2023-06-30
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: EQUIFAX, INC. (GA)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX 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 2023-06-30
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: Credit Systems International, Inc. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( XXXX  ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-06-29
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2019-01-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC (CA)

" In XX/XX/XXXX, I had an auto loan financed by ( ACA ) American Credit Acceptance. The interest rate was 26.8 %, with payments of {$490.00} for 72 months. A simple interest loan program.On XX/XX/XXXX, I requested and was approved for a deferment from XX/XX/XXXX to XX/XX/XXXX, the amount deferred {$980.00}, for reason of medical issues. In the approval letter, company wrote, for the avoidance of doubt, nothing in this agreement changes the remaining terms of the contract. My maturity date for the payoff of my loan is XX/XX/XXXX, yet ACA is claiming that I will owe and additional {$3200.00} in fees and interests under their simple interest calculations, but no one at ACA will provide how the interest is calculated. My payment history from this point on to the end of the loan has been perfect and will be when I satisfy the loan requirement on XX/XX/XXXX. When asked if they can provide me with how this number was calculated, nobody has a sensible answer. In fact, on XX/XX/XXXX, I spoke with a supervisor at ACA, name XXXX, approximately XXXX XXXX referencing this request and she could not give me a definitive answer. Her only answer is if I go to a simple interest calculator I can compute it myself. When previously contacting ACA, the representatives are verbally abusive, extremely condescending resulting me asking to speak with a supervisor. Oftentimes, I am routed to a rep outside the country/States, and many attempts at communicating my concerns are futile. What can I do to resolve this issue? Is there a legal precedence for this situation? I am currently making the remaining payments on time, and the last payment is set for XX/XX/XXXX '' with the remaining balance of {$3200.00} due at that point before my title will be released.
Consumer complaint received 2023-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IN)

Was contacted by a collection company for a debt we have no idea of. Told them we did not know who or what & they should stop harassing us. They then said that we requested a packet of information which we had only instructed them to stop contacting us and harassing us. They are still doing it and we have no idea who they said we owed ( never heard of them ) but we have no idea who it is or anything regarding it - no knowledge - willful or otherwise. Please have them stop harassing us.
Consumer complaint received 2023-06-30
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: Experian Information Solutions Inc. (VT)

on XX/XX/2023 I filed a complaint disputing information on all 3 of my reports ( ID XXXX, XXXX, and XXXX ). As of XX/XX/2023, little to no information has changed. In fact, 2 of them are still open.

Also, in accordance with 15 USC 1681b : ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

AS WELL AS 15 USC 1681c : ( a ) Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I have NEVER given my consent for any company to report to my credit report, nor do these reporting agencies legally have the right to be reporting negative information to my report. Do to the fact that there is STILL such and abundance of negative information being reported to my reports, I have been denied employment, and the ability to acquire credit. 

As a final mark against them, my XXXX, XXXX, XXXX, AND XXXX files have all been locked ( see attached ), so how these agencies verified any information if subject to question.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NY)

i have contacted discover card every month since XX/XX/2023 asking them to stop going in to my account taking XXXX dollars without my authorization. My account doesnt have auto pay. discover i has refused to comply. they are violating my rights under FRCA. 15 usc 1861 n i - wilful non-compliance.
Consumer complaint received 2023-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

Receiving weekly mail correspondence from a debt collector Im certainly not familiar with. Upon discovery, the debt of {$4200.00} has already been charged off/ discharged. There is an umbrella of LLCs associated with these firms as that Ive received correspondence from as well. I also informed them Ive assumed my ALL CAPS/Strawman/ corporation name and authorization to use is not granted.
Consumer complaint received 2023-06-30
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)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I am asking for your help in reguards to a Paid off HELOC that matured on XXXX, it was a 20 year HELOC that had XXXX payments and XXXX final ballone payment to be made. I paid off the total balance in XXXX of 2023 about a month early. The product had a maturity date of XXXX. Till this date of XXXX i have not received my payoff or satisfaction of mortagage doccument. On XXXX i went to my insurance agent to ask for coverage changes and to have regions bank taken off policy, but agent told me that i needed my satisfaction of mortagage doccumentation. I then went to the branch and talked with XXXX about this doccumentation and asked him to please make contact with the banks office that handles this ite. XXXX the XXXX associate then said that they were not able to do this from the branch and the agent was ablt to make the changes i desired. I then went back to the XXXX agent telling him what XXXX had said and stated no XXXX we can not do like this, we need the satisfaction doccument. So as of XXXX i have no insurance coverage, again talked with my insurance agent about a another policy, but is costing around {$950.00} dollars more, see the company i was with for about 3 years was around {$2200.00} and new policy is around {$950.00} more. I have asked regions for a arbitrator as per there HELOC specs, but they have given me no answere at all. What they have pushed me into is not right. On around XXXX talked ato a Regions Rep. named XXXX who has been very helpful in trying to fix this. But at one time i was told that i had to request that the product be closed out. But two items one i had Regions sendine me 6 months prior every other month that HEOLC was maturing and need to be aware that a pay off was needed, so why didnt they close product out and send me my notice of satisfaction which as of to day have not received yet.
Consumer complaint received 2023-06-30
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: Nelnet, Inc. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.