davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-06-03
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. (TX)

On XX/XX/2021, I sent a letter to formally make a complaint about my incomplete and inaccurate credit information. As I know, It violates the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), and thus I wanted to have it investigated. I also demanded that they provide verifiable proof that has my actual signature in it. Additional information regarding this will be uploaded and I hope that this issue will be taken care of.
Consumer complaint received 2021-06-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter to you disputing these items as erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),
Consumer complaint received 2021-06-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (TN)

Mishandling of payment check. Failure to apply payoff of loan in a timely manner. Payoff check was received on XX/XX/2021 and has not been applied to the account as of XX/XX/2021. 

XX/XX/2021. Payoff quote was obtained and check issued for payment in full. 

XX/XX/2021. XXXX  tracking receipt shows check was delivered on Monday XX/XX/XXXX at XXXX am signed by XXXX 

XX/XX/2021. Made a due monthly payment on the account. 

XX/XX/2021. Called company and inquired as to when the payoff payment would be applied to account. Representative stated they had " no record of receipt '' and it would take " 10 days to process after receipt. '' XX/XX/2021. Called company again and inquired as to when payoff payment would be applied to account. Representative claimed they had " no record of receipt '' and the payment was " not yet received. '' XX/XX/2021. Called company again and inquired as to when payoff payment would be applied to account. Representative stated that they, " can not find and have lost the payment check. '' XX/XX/2021. As of XXXX XXXX payment has not been applied to the account. Next monthly payment is due by XX/XX/2021.
Consumer complaint received 2021-06-03
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. (FL)

I am currently financially impacted by the covid19 disaster. Secondly, this is old debt and is no longer valid or collectible. It stems from a renters insurance policy that I briefly had and tried to cancel. I had duplicate coverage as I advised the phone team for XXXX  renters insurance many times. I was told to give them the policy information and they would retroactive the cancellation and wave any fees. This to date has still not happened. The debt was also thrown to collections prematurely without proper extensions given all I told you above. I over a year and a half later called progressive then got auto insurance with them. I am happy with my current auto service and I was told nothing is due from the previous account. I am also showing current when I log into the app or call now. However this debt is still on my credit reports. Please update and remove this negative reporting asap. Please do this for all credit agencies ; Experian, XXXX  and XXXX  need corrected. Please also supply me in a letter stating this to the address on file. Please leave my auto insurance that is current as is. I am happy with the current service and just need this old reporting from XXXX  corrected. Thank you.
Consumer complaint received 2023-02-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Experian is not accepting my dispute for XXXX XXXX XXXX XXXX for {$260.00} or {$270.00} the collection is not accurate as the account was closed and equipment was returned and paid in full.
Consumer complaint received 2021-06-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611, It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX you caused me.
Consumer complaint received 2021-06-03
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I have been noticing since the beginning of my unemployment claim that amounts on my bank of america app were not correct in XX/XX/2021 I went thru statement of deposits added them all and then did same with all deducted transactions there was XXXX dollar missing not accounted for that bank of america XXXX  debit card just made disappear from my account then on XX/XX/2021 I had a availible balance that changed from XXXX to XXXX dollars on XXXX first it had no pending transactions against the amount availible and then to top it off the XXXX  bank card decided to block my card for 24 hours the day after I got paid I was on vacation for my bday and was forced to max out my XXXX XXXX XXXX and they repeatedly blocked my card so frequently I was unable to purchase food and medicine needed for my XXXX  XXXX I am XXXX XXXX now they refuse to give missing money back im am on day three of XXXX  I am XXXX  without my medication this may XXXX  me
Consumer complaint received 2021-06-03
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: WELLS FARGO & COMPANY (NY)

On XX/XX/2020 I was in the search of a vehicle at XXXX XXXX XXXX. They asked for my social security number & at this time XXXX didnt have a credit line opened so I wasnt worried. I also disclosed this to them and they assured me they only needed my social for identity verification purposes. I was never told they would be running a credit check. I never authorized them to use my information for anything else, not to mention sending it to FOUR different companies! I have called all four companies individually to remove the inquiries off my report but they have denied to do so
Consumer complaint received 2021-06-03
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: YSA ARM LLC DBA Oxygen XL (NY)

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format method ignoring to report.

In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

It is very urgent that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain mortgage.
Consumer complaint received 2021-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL (NY)

I requested the debt validation several times and have never received. 
This is a shem and attempt to collect the money that I do not and never owed. 
This company must be charged for extortion and attempt to rub.
Consumer complaint received 2021-06-03
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. (FL)

In XX/XX/XXXX my mother ( XXXX XXXX, who had power of attorney at the time ) contacted XXXX to request a forebearance. This was right when COVID was beginning. They told her that my loan wouldnt even be able to go into forebearance until the loan was brought current, and furthermore that this would prevent any missed payments as being reported delinquent. So she brought my payment current by liquidating my 401k and paying XXXX and XX/XX/XXXX. There was NEVER any mention of any more payments to facilitate this process. It took XXXX until the end of XXXX to put my loan into forebearance with absolutely NO correspondence about any sort of extra payment. When she applied all they told her in XX/XX/XXXX was to make those payments and wait for the application to be processed. So I come to find out a couple of months ago that this entire time my loan has been in forebearance due to COVID ( still currently in forebearance ) that they have reported EVERY SINGLE PAYMENT as delinquent ; THIS HAS DESTROYED my credit score. I have been in contact with them several times since I found this out and keep getting empty promises as to it being resolved in the next few business days ; on every call. I have escalated it, and escalated it, and made notations on the account, even offered to pay the missed month to clear this up and delete the delinquent payments off of my report. In the most recent call, they told me it would be resolved by today, yet I have not received an email or phone call. What happened, so they say, is that since the XX/XX/XXXX payment was not completed when it went into forebearance, which made my loan payments not current. Again, my mother did everything they told her to by bringing it current, per their directions, by paying XXXX and XX/XX/XXXX in XX/XX/XXXX, and it was their negligence that made the missed payment in XXXX by not only taking so long to process the plan but not informing anyone that they needed payment for XX/XX/XXXX as well. The application was in as of XXXX and it took them until XXXX to process it with NO mention of any extra payment. My mother is retired and well established and will testify to this in any legal format deemed necessary. XXXX should also have phone records, so they say, as they always use a recorded line. Please help. I have done everything I can and they seem like they are just trying to bury this and destroy my financial future for years to come. We did everything they told us to do and now my credit score is a XXXX
Consumer complaint received 2021-06-03
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. (FL)

In XX/XX/XXXX my mother ( XXXX XXXX, who had power of attorney at the time ) contacted XXXX to request a forebearance. This was right when COVID was beginning. They told her that my loan wouldnt even be able to go into forebearance until the loan was brought current, and furthermore that this would prevent any missed payments as being reported delinquent. So she brought my payment current by liquidating my 401k and paying XXXX and XX/XX/XXXX. There was NEVER any mention of any more payments to facilitate this process. It took XXXX until the end of XXXX to put my loan into forebearance with absolutely NO correspondence about any sort of extra payment. When she applied all they told her in XX/XX/XXXX was to make those payments and wait for the application to be processed. So I come to find out a couple of months ago that this entire time my loan has been in forebearance due to COVID ( still currently in forebearance ) that they have reported EVERY SINGLE PAYMENT as delinquent ; THIS HAS DESTROYED my credit score. I have been in contact with them several times since I found this out and keep getting empty promises as to it being resolved in the next few business days ; on every call. I have escalated it, and escalated it, and made notations on the account, even offered to pay the missed month to clear this up and delete the delinquent payments off of my report. In the most recent call, they told me it would be resolved by today, yet I have not received an email or phone call. What happened, so they say, is that since the XX/XX/XXXX payment was not completed when it went into forebearance, which made my loan payments not current. Again, my mother did everything they told her to by bringing it current, per their directions, by paying XXXX and XX/XX/XXXX in XX/XX/XXXX, and it was their negligence that made the missed payment in XXXX by not only taking so long to process the plan but not informing anyone that they needed payment for XX/XX/XXXX as well. The application was in as of XXXX and it took them until XXXX to process it with NO mention of any extra payment. My mother is retired and well established and will testify to this in any legal format deemed necessary. XXXX should also have phone records, so they say, as they always use a recorded line. Please help. I have done everything I can and they seem like they are just trying to bury this and destroy my financial future for years to come. We did everything they told us to do and now my credit score is a XXXX
Consumer complaint received 2021-06-03
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: TD BANK US HOLDING COMPANY (FL)

In 2017 i reported some transactions on my account as a fraud because weren't made by me. After a longtime in communication with the bank, they send me a letter saying the balance were resolved in my favor, which I wasn't supposed to pay or be responsible because they said a credit was applied on the account for the balance. But for some reason the collection department still keep making daily calls, and sending invoice letters requesting the payment. In a call they say one department is independent of the other and the i need to settle the balance, which like i said, i have a letter from them saying it was resolved on my favor after they made the investigation.
Consumer complaint received 2021-06-03
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. (LA)

I have submitted written proof to Equifax from XXXX XXXX XXXX that my late payments from the Months XXXX, XXXX, and XXXX of 2020 were removed. Equifax removed the late payments and then added them back. This is inaccurate and I've sent them proof twice as well as XXXX XXXX has contacted them.
Consumer complaint received 2022-12-06
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: AMERICAN EXPRESS COMPANY (CA)

I have review my credit report and I keep seeing burnout inquiries on my credit report that I did not do I reached out to have them removed but I did not get a response this is fraud XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 States I have the right to Privacy 15 US. 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written permission 15 US. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose Please have these items removed
Consumer complaint received 2022-12-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (ND)

I have about six accounts that were charged off in late XXXX, early XXXX. These accounts were closed and sent to collections and debt collection law firms. In XXXX, XXXX, I settled and paid all of these accounts. My credit payment history for the last year and a half has been perfect. 

While trying to apply for a mortgage to secure housing for me and my family, a tri-merge credit report from XXXX XXXX was obtained. Those six accounts which all have the status of " closed '', in fact two years ago, are showing current reporting status of " late payments ''. There was not an option to pay the creditor directly, as I was working with the debt collectors. 

However, I created credit monitoring accounts with XXXX, Experian and XXXX to monitor the progress of my credit finally being cleared up. 

On each of my personal accounts with those three reporting agencies, it does not show the late payments, in particular in the 12 months. It does show they were closed and listed as collections. So, how can there be this difference between the tri-merge report from XXXX XXXX and the viewing of my credit reports from these three agencies. A credit report monitoring account has cost me money.

I have denied a mortgage loan, because it is a federally guaranteed loan ( Section 184 for Native Americans ), the guidelines are strict, I know how it works, I work for XXXX XXXX XXXX XXXX XXXX XXXX myself. 

How can the reports differ? How can I get this cleared up? In my opinion, reporting late on closed accounts that were sent to collections years ago is punitive. 

What to do?
Consumer complaint received 2022-12-06
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: Block, Inc. (TN)

I notices charges on my account and immediately filed a dispute with cashapp. They said the dispute was denied and I requested all the documentation that brought them to that decision and they would not send me anything despite asking over a dozen times. There are charges are my account that are not mine and were not made by me and I need cashapp to do a thorough investigation so I can finally get my money back. As I am preparing the documentation I found that this was NOT the first time that this merchant has taken money from my account, I just didn't notice it the last time it happened. I do not get any help from Cash app so I am asking for your help, please. 

All purchases from the same merchant, " XXXX '' I did not make or authorize any of these charges and I filed a timely dispute. 
XX/XX/2022 - {$23.00} XX/XX/2022 - {$23.00} - refunded XX/XX/2022 - {$23.00} XX/XX/2022 - {$23.00} XX/XX/2022 - {$23.00} XX/XX/2022 - {$23.00} XX/XX/2022 - {$23.00} XX/XX/2022 - {$23.00} XX/XX/2022 - {$49.00} XX/XX/2022 - {$49.00} XXXX {$49.00} XX/XX/2022 - {$49.00} XX/XX/2022 - {$49.00} XX/XX/2022 - {$49.00} XX/XX/2022 - {$49.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$49.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$23.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$99.00}
Consumer complaint received 2022-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX account opened XX/XX/XXXX and closed XX/XX/XXXX, has violated my rights. 

15 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 an account without my written instructions.
Consumer complaint received 2022-12-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I have about six accounts that were charged off in XXXX XXXX XXXX XXXXXXXX. These accounts were closed and sent to collections and debt collection law firms. In XXXX, XXXX, I settled and paid all of these accounts. My credit payment history for the last year and a half has been perfect. 

While trying to apply for a mortgage to secure housing for me and my family, a tri-merge credit report from XXXX XXXX was obtained. Those six accounts which all have the status of " closed '', in fact two years ago, are showing current reporting status of " late payments ''. There was not an option to pay the creditor directly, as I was working with the debt collectors. 

However, I created credit monitoring accounts with TransUnion, XXXX and XXXX to monitor the progress of my credit finally being cleared up. 

On each of my personal accounts with those three reporting agencies, it does not show the late payments, in particular in the 12 months. It does show they were closed and listed as collections. So, how can there be this difference between the tri-merge report from XXXX XXXX and the viewing of my credit reports from these three agencies. A credit report monitoring account has cost me money. 

I have denied a mortgage loan, because it is a federally guaranteed loan ( Section XXXX for XXXX XXXX ), the guidelines are strict, I know how it works, I work for XXXX XXXX XXXX XXXX XXXX XXXX myself. 

How can the reports differ? How can I get this cleared up? In my opinion, reporting late on closed accounts that were sent to collections years ago is punitive. 

What to do?