davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America chose to open a dispute XXXX XXXX, XXXX for only {$75.00} for an XXXX XXXX XXXX order that totaled {$250.00}. While the {$75.00} was returned evidently BOA never undertook the promised investigation or followed up as the dispute should of been filed for the full amount and I have discovered that despite assurances to the contrary BOA did not bother to either research the claim as presented nor resolve the dispute leaving me exposed to additional unwarranted charges by the vendor in question. 

The dispute was never actually fully considered let alone settled as BOA alleged yet they without any notice to me withdrew XXXX from my checking account under guise of having completed a non existent investigatation and affording me no notice - written or otherwise of my rights to appeal their decision nor warning of their taking of my XXXX XXXX funds as it was implied that they had waited until my XXXX XXXX transfer has occurred to make the unauthorized withdrawal. 

I an attempt to determine what had occurred I encountered BOA customer service representative XXXX around midday on the XXXX of XXXX who in two separate phone calls became enraged and disregulated to an extent I have not witnessed in my nearly XXXX years attacking me in what can only be described as an abusive manner for merely contesting her assertion BOA had the right to take my money given they had provided me no notice or opportunity to respond to their done decision decision. When I cited FDIC regulation E she grew even more angry and combative and after denying my many desperate pleas to speak with a supervisor for what seemed like at least 30 minutes of abusive behavior towards me she in two seperate occasions placed me on interminable holds that ultimately prevented me from speaking to anyone in authority. Following XXXX attack I suffered a XXXX XXXX XXXX which rendered me unable to continue be an effective advocate. 

Furthermore, the money BOA was took was my grocery money for the month and now I basically have nothing to eat, am XXXX by the XXXX, and have a total of XXXX dollars to my name all because BOA did not follow the proper procedures. Thank you.
Consumer complaint received 2017-10-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: State Home Mortgage (GA)

I would like to file complaint on State Home Mortgage. I have been with this company for a decade and I have always had such difficulty with loan servicing with them. The personnel there is very rude and are not there to support the home owner in any way. 

1. On XX/XX/XXXX I received a 6 month forbearance after receiving payments of {$710.00} from me once last payment from XXXX XXXX XXXX ended on XX/XX/XXXX. 
2. On XX/XX/XXXX I received a modification trail plan payments to be effective for XX/XX/XXXX,  XX/XX/XXXX, and XX/XX/XXXX, which I paid as agreed. I continued to make the trail plan payments until XX/XX/XXXX. 

My complaint is that XXXX XXXX XXXX XXXX never issued me a permanent modification. They signed the modification plan/contract on XX/XX/XXXX to start the trail plan agreement. In the interim, I 've received a coupon book in XX/XX/XXXX for payments of {$710.00} starting XX/XX/XXXX with interest rate of 4 % which is not in line with the modification agreement which stated an interest rate of 3.5 %.  Which were the payments of {$680.00} that they 've collected from me the months of XX/XX/XXXX-XX/XX/XXXX. 
During the time of waiting on the said modification to be approved, life has happened where I struggled to get payments in for XX/XX/XXXX and XX/XX/XXXX. I sent a check/payment in to State Home Mortgage for the amount of {$1500.00} for the months of XX/XX/XXXX and XX/XX/XXXX plus coverage for any late fees assessed on XX/XX/XXXX. I assumed I would need to pay the {$710.00} after receiving no response from emails and seeing that my online account had not been updated to reflect accurate information. 

I have been in constant contact with XXXX XXXX and has filed a second investigation with them. They are also confused on what has happened after their last in counter to remedy this issue with State Home Mortgage after they had advised them to place me on the Streamline Modification. I have also had to obtain a lawyer to communicate on my behalf going forward due to so much push back from XXXX XXXX of State Home Mortgage on providing me with the correct information on my case to save my home from any other delinquencies and/or foreclosure.
Consumer complaint received 2018-09-01
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. (CA)

I am having a problem with XXXX XXXX. There are two credit  cards that are in their name : one, which is through XXXX XXXX ; one which is through XXXX. These accounts are paid off as of XX/XX/2018, and they have reported to all three credit reporting agencies as a " charge-off '' instead of a " paid-off. '' I have contacted all three credit bureaus via mail, I have spoken with XXXX XXXX  and mailed them letters, including receipts showing paid off, yet they will not take this off of my credit report, which is making me get turned down for new credit opportunities. They state that because XXXX XXXX went out of business, they reported it as a " charge-off '' erroneously.
Consumer complaint received 2017-10-03
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. (LA)

Several email communications have taken place along with phone conversations about the incorrect reporting of 2 debts with XXXX ( XXXX XXXX  ). The bank has stated in XX/XX/XXXX again in early XX/XX/XXXX to have the error in reporting corrected. Their incorrect reporting has caused denial in employment. I was assured the errors would be corrected asap. The incorrect reporting is still in place. The reporting is sporadic and should be reported correctly. 

The below information was supplied to XXXX XXXX several times. 

" XXXX sent a 1099-C in XX/XX/XXXX for all of these items which were discharged. I have disputed the reporting of these items for some time now and none have been corrected. Currently XXXX/XXXX XXXX is in violation of Federal and State of Louisiana Bankruptcy laws. In Louisiana a non filing spouse of a bankruptcy is awarded the benefit of the discharge. 
Federal bankruptcy law 11 U.S.C 524 ( a ) ( 3 ). All of these accounts have been discharged as you can see by the attached. I have attached a copy of a letter which was provided to another creditor who is also reporting incorrectly for your reference '' Debts were discharged in Bankruptcy chapter XXXX XX/XX/XXXX. All documents have been supplied to the  creditor on several occasions. Discharge documents can be supplied again if needed. 

Copies of bureaus incorrect reporting is attached.
Consumer complaint received 2024-11-06
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. (MI)

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXXXXXXXXXX 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 XXXXXXXX pursuant to XXXX XXXX XXXX, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( XXXX ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter XXXX states the following ; ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( XXXX ) ( B ) ( XXXX ) ; ( XXXX ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

My right to privacy is being both violated and disregarded. I never authorized this information to appear on my credit report, nor did I consent to its disclosure in this manner. As a consumer, I am fully aware of my rights, including the right to privacy and the expectation of accurate reporting. The information being reported on my credit file lacks the highest standards of accuracy, further infringing upon my rights. This incorrect and unauthorized reporting is damaging my credit score, resulting in negative effects on my financial well-being and overall quality of life.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate XXXX Account number : XXXX
Consumer complaint received 2017-10-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc. (AZ)

Hello my name is XXXX XXXX. Account with American first Finance # XXXX. Two weeks ago I called XXXX XXXX XXXX to tell them I would not be able to do my payment of XXXX on the XX/XX/XXXX, so I moved my payment for XX/XX/XXXX. I told the agent I spoke to that I would do my payment by myself and told her I would be able to MAYBE do a double payment I was not sure. She asked me If I wanted this payment to be automatically drawn from my account I said NO specifically, that I would do it myself and I made that very clear to her. When I was going to make my payment of XXXX on XX/XX/XXXX, because I could not do the double payment. I saw that my account said that there had been a payment of XXXX paid that day. Was very confused. So I did not do my payment. Monday morning XX/XX/XXXX I wake up to my bank account being on negative and saw that they had taken out the XXXX automatically out of my account without consent considering I had made it very clear that I did not want this withdrawn from my account and wanted to do it myself. So I did not authorize this transaction which is my biggest problem. A transaction has to be authorized before any money is touched again I said NO to this. I called and spoke to an agent first, she told me that on the notes it said that I had given consent to the last agent to take my money out of my account, I told her this was incorrect and that I wanted to speak to a supervisor and have her listen to this call. Did not get supervisors name but I spoke to her on XX/XX/XXXX to the phone number of XXXX at around XXXX. She was very short and rude and not helpful at all. All she said to me was that I was late on my payment and that on the contract it said they could take money out of my account if I was a day late. Which I do n't believe to be true as I been a day late before and this had never happened to me before. I explained the situation to her. Told her I needed a refund and she was just rude and told me she could not do that and said false information. That she would send me a copy of the contract to my email and highlight the part where it says they could take money out of your account without a consent. It is now XXXX on XX/XX/XXXX and still have not received anything form them. My biggest issue here is that you can not just take money out of peoples account without their consent. Big violation. & then when you speak to a " supervisor '' they tell you false information. I would like this call to get listened to by a real supervisor or CEO. & get my money back. Also I need that copy of that contract highlighted with the information this girl told me thank you.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have reached out to my creditors that are reporting my payments as past due and I have never been late on a payment. I have had issues with these companies reporting incorrect payment status. I gave them the opportunity to fix this but seems like I'm not getting anywhere and I was advised I could reach out to you. These are the accounts reporting inaccurate payment information. 

1. XXXX XXXX Acct # XXXX XXXX XXXX, Equifax, XXXX ) 2. XXXX XXXX XXXX   # XXXX ( XXXX ) 3. XXXX XXXX XXXX Acct # XXXX ( XXXX )
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX This Credit Bureau XXXX : Request to Place a Security Freeze on Credit File Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file immediately. Due to recent concerns, I believe that placing this freeze is the best way to protect my credit profile and prevent any unauthorized access to my personal information. 
Please find my personal information below to facilitate this request : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, Florida, XXXX Date of Birth : XX/XX/XXXX Additionally, I am enclosing a copy of my identification ( such as a drivers license or passport ) and proof of address ( like a utility bill or bank statement ) as per your requirements for identity verification. 
Please confirm once the freeze is in place or let me know if any additional information is needed. 
Thank you for your assistance and prompt attention to this matter. 
Sincerely, .. ( XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I was reviewing my credit report and notice there were some items that do not belong to me. Here are the following accounts : XXXX XXXX XXXX # XXXX {$99.00} XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX J XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX  # XXXX {$490.00} The specific information under dispute is derogatory nature. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section XXXX, subsection ( XXXX ) ( D ). Plus remove hard inquiries that does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

All three major credit bureaus have illegally hoarded my personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act, all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false misleading ways.
According to the Fair Debt Collection Practices Act, all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the CFPB to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security number, date of birth, financial accounts or credit/debit card numbers, driver license number, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to inform you that I am a victim of a data breach that has led to fraudulent accounts being opened in my name. To protect my credit and prevent further damage, I am formally requesting that all fraudulent accounts and inquiries listed below be blocked and deleted from my credit report, in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts 1. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$1300.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$1100.00} XXXX. XXXXXXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$1300.00} XXXX. XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$1100.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$5100.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$580.00} Fraudulent Inquiries XXXX XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX o Date of XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX of XXXX : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX of XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX of XXXX : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX XXXX XXXX  Date of XXXX : XX/XX/XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-10-30
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: EQUIFAX, INC. (FL)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewithXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX - Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Consumer complaint received 2024-10-30
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: EQUIFAX, INC. (TX)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.