davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-22
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. (CO)

I have been having a problem with XXXX XXXX XXXX since XXXX of this year. On XX/XX/2020 I made a {$75.00} payment to my account via my bank -- XXXX. The payment was made to the wrong account. My account # is XXXX XXXX XXXX XXXX. The payment was made to XXXX XXXX XXXX XXXX. I have spoken with them twice. Once in XXXX and once in XXXX. Both times they assured me that they corrected the problem, refunded any fees or late charges, and as a result, I had a credit balance. 

I have not used the card since XXXX, yet I keep getting collections calls, my balance keeps increasing, I keep getting charged fees, the {$75.00} has never been applied to my account and now I am being reported as delinquent which has greatly affected my credit score.
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION (VA)

The  XXXX   XXXX  failed to pay bills as required and or help get this off my credit report and denied a loan request based in part for the denial, until they did n't pay the bills from bill pay did the problems I had these accounts when I joined the credit union and the approved  XXXX  loans and at that time they was none issue. As of todays date they still not paying bills on time as agreed.
Consumer complaint received 2020-10-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2020 - Bank of America sent a letter saying they want to verify my income and other documents, most likely because I have an XXXX name, and for my local area, their system flags accounts by XXXX  with an algorithm that detects based off the last name ending in 'yan ' or 'ian '. I am employed full-time with a salary, and the income I reported matches my provided documentation. Any income I had provided to Bank of America in addition to my employment income would be part of the total household income, such as self-employment, funds provided by family members for bills, or gifts. I have provided each piece of documentation to the return envelope they requested, which is now sent back to them in the mail.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I SENT LETTERS TO TRANSUNION, XXXX, AND XXXX  ON XX/XX/2020 DISPUTING INACCURATE AND INCOMPLETE INFORMATION THAT THEY ARE REPORTING ON MY CREDIT REPORT.I AM ASKING ASKING FOR THE VALIDITY OF EACH NEGATIVE ACCOUNT REPORTING AND I HAVE ATTACHED COPIES BELOW.
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (VA)

Back in XXXX while XXXX to XXXX XXXX I requested Ohio SCRA benefits from Navy Federal Credit Union. It was not awarded to me because I was told that SCRA benefits only applied to debt which incurred prior to military service. I retired XX/XX/XXXX and while attempting to get my affairs in order I revisited this Ohio SCRA benefit only to realize that it in fact covered all debt. XX/XX/XXXX I requested this benefit for the second time and I never received a notice saying that I was ineligible. However I noticed that my ability to do any transactions online was taken away. XX/XX/XXXX I contacted Navy Federal to obtain the status of the request and I was told that I was no longer eligible for SCRA benefits because I retired in XX/XX/XXXX. My complaint was that when I originally requested these benefits I was not retired. Navy Federal states they value the military service members and are here to help. However when I requested that they honor my original request I was denied. Navy Federal does not care about us and I feel their name was a ploy to attract service members. I served my Country for 20 years and have been a member of Navy Federal since XXXX. It's already bad enough that I was denied Ohio SCRA benefit that I earned back in XXXX, but after 19 years of doing business with them when I asked for the money back that I was overcharged they shut the door in my face. I was told that after reviewing their archives they saw fraud alerts but did not see the original Ohio SCRA request. I am appalled as to how I was treated.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed this Chapter XXXX numerous times ; the latest case number was XXXX. I received an email stating that they were still investigating the issue and it could take up to 60 days to fully complete the investigation. When I submitted my documentation ; it was 80+ pages verifying that the above mentioned bankruptcy was no longer on my XXXX report. It was deleted because of inaccuracies, etc. I have also spent YEARS of dealing with attorneys trying to get this thing off of my record because it was inaccurate from the beginning. XXXX is the reporter for all local, state and federal debts ( including bankruptcies ). Per their disclosure XXXX XXXX XXXX XXXX received notification today ( XX/XX/17 ) stating that this investigation is complete and has been verified as accurate. That is NOT true and a complete LIE. I called Transunion, they kept repeating " this is a Chapter XXXX, its due to stay on your record for 7 years from the date it was filed. '' I kept telling the gentleman on the phone ; you need to due a thorough investigation ; as I have sent to you all that you need ; but you can not hold me accountable for something that is no longer being reported. I mailed out 80+ pages that have yet to be received in yet ( to each credit bureau to clear up the confusion but they are not taking this seriously. They need to abide by the law. 


Here is an excerpt from the FTC website and the responsibility from the CRA : https : //www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a credit reporting company ) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider. 

Credit reporting companies must investigate the items in question usually within 30 days unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide credit reporting companies so they can correct the information in your file.
Consumer complaint received 2020-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have 37 account which i didn't authorized on my account with XXXX, most of the company which appears on my credit report more than once that i didn't recognize or apply for credit with theses companies. I tried to contact the company and file a disputed with XXXX  never receive any responds nor answer. Also with Transunion i have 20 dep/XXXX  which have been discharge with a XXXX balance plus 7 other account which wasn't authorize without my consent i file a dispute to remove those items but have been unsuccessfully or no results. i need these account to be investigate fully so i can see a change on my credit report.
Consumer complaint received 2016-08-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Debt was included in CH XXXX BK. They have called me 6-7 times these past few months trying to collect this debt. This is very illegal. I have phone documents to prove this. They deserve to be fined, and Deserve a settlement. 

I have phone records showing the incoming calls from them. THIS IS HARASSMENT!
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ARVEST BANK GROUP, INC. (IL)

I had a home loan with XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, for which I obtained a Forbearance Plan under the CARES act in XXXX. The loan was sold to Arvest Central Mortgage Company in XXXX. I received a bill from Arvest stating that the account was overdue, and I called and confirmed that the loan was still subject to forbearance, and they told me to disregard any delinquency notes on my bill since the account was in forbearance ( the latter of which it also clearly stated on my monthly bill ). Before the end of the forbearance, I signed a deferral agreement with Arvest in XXXX, and a few days later on XX/XX/12 the loan was paid off in full. 

In XXXX, Arvest reported the loan as delinquent with the credit reporting agencies, including XXXX, XXXX and XXXX. I contacted Arvest and they assured me it would be immediately corrected and that the account would be reported as paid off. It appeared as corrected on XXXX  on XX/XX/XXXX. On XX/XX/XXXX, Arvest again reported to XXXX  that the account was delinquent, despite that it was paid in full in XXXX, and despite that I received a payoff letter and Satisfaction of Mortgage from Arvest ; and up until the date of payoff I was under forbearance under the CARE Act. This has materially adversely affected by otherwise stellar credit score, and I am not able to get Arvest to effectively correct this issue with all credit agencies. This came after having trouble for days with having great difficulty obtaining a payoff letter from this lender during the sale of the property. I need help getting this lender to give attention to this matter please. 

Thank you in advance.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  ; XXXX  and Transunion should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: KEYCORP (IL)

Having filed for unemployment in lateXX/XX/XXXX/early XXXX of 2020, I never received my Key2Prepaid Unemployment benefit card as of yet. I did switch to direct deposit later in XXXX and had no problem with following payments. I'm still owed over {$1200.00} on debit card I never received and have tirelessly tried to contact Keybank for a replacement card. Over 6 months of calling with as long as 4 hours of hold time has yielded absolutely no help whatsoever. Their website is equally useless as you need a card to access any of its features. Alternate numbers I have called to reach an actual person also a waste of time as they are either foreign call centers or different departments that refuse to address the issue and either hang up on you or transfer you back to the XXXX XXXX XXXX XXXX number that is never ever answered. This issue has been all over the news for so many yet Ive still heard no solutions. Keybank is sitting on millions of other peoples much needed dollars and I find this criminal. Ive called unemployment office yet to have return call, Ive also filed a complaint with the XX/XX/XXXX and received a nonsense letter requesting a Hippa release form ( Medical records ) to proceed, which is unrelated to anything Ive addressed to them. This large scale Fiasco is a national embarrassment to say the least. Hopefully I've found some competence and perhaps sanity with you folks. Thanks for your time and attention to this matter.
Consumer complaint received 2020-09-22
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Certegy Holdings, LLC (WA)

I went to cash a check at XXXX XXXX it said it wouldn't let me so they gave me a number to call. I called the number they asked for my social security number and when I tried to speak it into the phone it put XXXX but the last 4 of my social security number is XXXX I need that to ne corrected as they social security number on file is incorrect and is off one number
Consumer complaint received 2017-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I have an account with Capital One. I had to claim fraud on XX/XX/XXXX and they gave me a new number. However, they failed to advise me that my account would no longer report on my credit bureau. I had to find out by checking my credit score on XXXX XXXX. My credit score on my XXXX credit report dropped from XXXX to XXXX because this account was deleted. My credit score on my XXXX XXXX credit report also dropped from XXXX to XXXX. I filed bankruptcy in XX/XX/XXXX and I was using this credit card to rebuild my credit. I have never been late. I depend on this credit score to assist me in continuing to build my credit. I contacted Capital One on several occasions. One was  around the end of XX/XX/XXXX and they stated they would look into it. I never received a letter about my inquiry. I then contacted them again around mid XX/XX/XXXX and submitted another request to have this investigated. I finally received a letter dated XX/XX/XXXX stating that the old account was transferred to a new account and to allow up to 60 days for the new account to start reporting but as to this date it is still not on my credit report. I continue to make my payments, but they have failed me in not reporting my account right away when I brought this to their attention.
Consumer complaint received 2020-09-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Collections-I, LLC (AZ)

After exercising my rights under the FCRA Fair Credit Reporting Act, and countless letters sent certified mail via USPS, XXXX, XXXX  and XXXX  have failed to properly validate and verify collection activity on my account. XXXX, XXXX, and XXXX  were advised of additional accounts reported by Healthcare collections. I have further disputed that one account made by Healthcare collections is outside of statue of limitations within my state ; original balance reported XX/XX/XXXX that is still being reported against me which is against the law. Other accounts are also being reported by Healthcare Collections have also not been validated or verified. I have disputed several accounts reported by Healthcare collections on XX/XX/XXXX and XX/XX/XXXX via certified mail with XXXX that I have carefully kept record of and no response has been the result of this request for validation. I have yet to receive any documentation bearing my signature showing any form of legal binding or contractual obligation to Healthcare collections debt collector. After being unsuccessful with Healthcare Collections dispute, I have formally requested XXXX, XXXX  and XXXX  on XX/XX/XXXX to further manually validate and investigate the accounts, in which they have simply updated as accurate without any further clarification on how this was completed. I have received no documentation on any records provided by the credit bureaus that also validate and verify the debt is accurate and mine. I need assistance with ensuring XXXX, XXXX, and XXXX  credit bureau comply with FCRA laws and ultimately remove any invalidated and unverified accounts from my credit report as soon as possible.
Consumer complaint received 2020-10-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (TX)

Midland Mortgage has taken so much from many consumers and should not be allowed to get away with THIS!!! THEY ARE THE WORST!! In 2019 I became very ill and we fell behind on our mortgage. We reached out to Midland Mortgage for assistance, which we now regret. Our mortgage contract was sold to Midland Mortgage from XXXX. The only option we were offered was a loan modification. We were placed on a " 3 month trial period '' where they lowered our payment by {$300.00}. This just didnt seem right and was very misleading. They had instructed and promised that this would not be reported to the credit bureau as it was during the trial period and considered as forbearance. We paid as we were asked for the 3 months. After the 3 month trial period we were sent more paper work to sign, I was physically ill and just needed help with catching up on our mortgage. Well, we decided to sale in XXXX of this year, and finding out there is a 2nd lean on the home-HUD. This was overwhelming!! I have never cried so much in my life, feeling we were taken advantage of. I reached out to Midland and HUD and was given the run around regarding how they determine the amount owed to the 2nd lean. The balance we owed to HUD was like a 2nd mortgage over {$90000.00} not counting the {$230000.00} owed to Midland. We continued forward and sold our home but, had to come to the table with a closing cost of {$18000.00}. I had to borrow money from my retirement account so that we could close on the home. We just wanted from under this horrible company. To add insult to injury, we just found out they reported us being 120 days late on our mortgage. Our score dropped about 50 points and has affected us horribly. ALL THIS going on and being sickened with COVID!! We are very disappointed with this company and will not recommend them to anyone. Please put a stop to this company they should not get away with what is taking place. A TOTAL RIP OFF!!!
Consumer complaint received 2020-10-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Every year Loan Care sends me letters saying that I don't have flood insurance, even when they have had proof of it every time they asked. Then they go an buy a insurance of my behalf which is about 2000 % the amount I actually pay for my actual flood insurance. They do all this without my approval and then charge it to my scrow. I have called them every single year about this issue and after a long process they " fix it ''. I believe they are doing this to other home owners and getting ridiculous amount of money on the process. This is totally wrong and they should be penalized for doing it.
Consumer complaint received 2020-09-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NJ)

I have called Quicken loans for refinance quote. I told them I have a 15 year refinance at 2.25 % and paying {$6000.00} closing cost and asked them if they can match it. Loan officer XXXX XXXX promised me that that yes he can do better and asked for my ssn number to run my credit. I asked him before he run my credit can he verify that he will match or beat the rate and he said he confirmed with his manager based on what i told him they will match or give me a better rate so i gave him my SSN number and he put a inquiry into my credit report. He called me 30 minutes later with same rate but closing costs were {$15000.00}. He said that's the best he could do. So i asked him why he told me that he will give me a better deal before he run my credit he said there is nothing he can do about it and hangup the phone. 

I was deceived was this company promising me to offer better rate from what I currently have and they advertise match rate policy with is false advertisement.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I made my monthly payments for both XXXX and XXXX on time not to mention the payoff payment made in XXXX and the company reported the payment 30 then 60 days late then closed. There were fees tacked onto the end of the loan due to financial hardships which resulted in a repossession over 2 years prior but the loan company added these fees to the end of the loan and according to their website every time a payment was made, the minimum payment had been made on time. They took the payments made in both XXXX and in XXXX and dispersed the payment in different areas and then reported the payments late. Each month the payments were made for a total of what their site said was minimum ( as well as according to loan terms ) and they also never called inquiring why any payment was late which is their normal process when a payment is ever 2 weeks late or greater ( this comes from financial hardship experience ). So why are my payments which were made accordingly and in the amount of every payment prior being marked as late. This is extremely impacting my credit score which Ive worked very hard on for the past 2 years to improve and am now possibly not going to be able to purchase a home when I did what I was supposed to. Ive tried to talk to them, they continue to accuse me of making partial payments, they have stated they will request and audit but still refuse to correct this even though I have proof from my bank showing I made these payments in one full amount and their website even shows my payments were made on time and in the full amount.
Consumer complaint received 2020-10-27
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. (CA)

XXXX XXXX for XXXX XXXX XXXX XXXX, is reporting on both the XXXX  and the Equifax reports. I have requested from them to remove an inqury and they have sent me letters stating that they put in for it to be removed from my credit report because I did not authorize it. However, both XXXX  and Equifax still shows it. XXXX did remove it. Even though XXXX XXXX  XXXX XXXX XXXX XXXX XXXX has sent letters to the bureaus, and I have sent letters to the bureaus. They still refuse to remove the inquiry.