davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-02
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. (ID)

I have had my mortgage with XXXX XXXX XXXX XXXX for 14 years. Six years ago I went thru XXXX XXXX  and lost my job. At that time I filed Chapter XXXX Bankruptcy. A year later I stopped the bankruptcy and I paid back ALL of my creditors. With XXXX  I applied for the program to save my home and since that date I have not been late ONE TIME with my mortgage. 

However XXXX has continued to report my loan as closed and refuses to change that status. On XXXX and XXXX they would report it as closed XXXX balance due and included in a chapter XXXX. I have disputed this dozens of times and they refuse to fix the record. They continue to take my payment, but wont report it correctly. 

As of today they are now reporting on Equifax that I have filed chapter XXXX bankruptcy WHICH I NEVER DID. This has damaged me extensively. The emotional damage is huge because of the sheer HUNDREDS of hours i have spent trying to get them to fix their error. I have spend hundreds of dollars on paper, postage, toner, and phone calls trying to get this fixed over and over. 

I believe this latest report is in retaliation for me making the company pay overdraft fees back to me when they drafted my bank account in error causing my bank to overdraft. I have a letter proving that they did this. And now to get back at me they are trying to destroy my credit even more. 

I just want them to stop trying to destroy me. i cant buy a vehicle because of their malicious behaviors. It has me severely depressed and angry.
Consumer complaint received 2019-07-11
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. (GA)

Hey I was looking on my credit report and I see XXXX  is reporting XXXX XXXX  XXXX charged off account as open when its closed. Second, The balance is {$12000.00} but XXXX is reporting {$15000.00} on my credit report. XXXX reporting that on XX/XX/2018 at the public auction {$8000.00} was paid on this account from {$20000.00} which shouldve brought the balance to {$12000.00}. I included a copy of my credit report that XXXX  mail to me on XXXX/XXXX/219 which shows a payment of {$8000.00} and a charged off balance of {$20000.00}. XXXX has been illegally reporting {$15000.00} since XXXX of 2018 which damaged my credit and had me stressed. That was 1 year of false and illegally reporting that damage my character and reputation. XXXX is reporting incorrect, inaccurate, inaccurately reporting. 

Please DELETE this account immediately!!! Under the Fair Credit Reporting Act, EVERYTHING IN YOUR REPORT HAS TO BE 100 % ACCURATE and CORRECT OR IT MUST BE DELETED!!
Consumer complaint received 2019-08-02
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. (VA)

In XX/XX/2018, i paid, in full, a debt owed to in apartment complex through a collection agency XXXX XXXX XXXX. i have the receipt of payment and documentation from the collection agency confirming i have paid this balance in full. I file multiple disputes, through XXXX XXXX  and directly through experian and XXXX  to update that it has been paid because i have wasted over {$200.00} in application fees for housing and was denied every time because my credit still shows i owe a balance. i contacted XXXX directly and even submitted the documentation to experian but each investigation resulted in them leaving this balanced owed on my credit. Each time i filed the dispute, i wait the 30 days or until i get notification the the investigation is complete. Still they have that i owe this balance and i will be homeless within the month if i cant find housing.
Consumer complaint received 2019-08-04
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXCURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; N/A XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-08-04
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXCURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; N/A XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX   XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-08-03
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: Early Warning Services, LLC (UT)

EWS failed to provide a 100 % accurate and verifiable investigation, I requested that they DO NOT USE a XXXX system and provide the necessary documentation in compliance with the law. EWS instead sent letters stating they couldn't retrieve the necessary documentation, but continued to verify the fraudulent accounts anyways as 100 % accurate and 100 % verifiable which is false and a major violation for each occurrence. I am requesting for EWS to fully 100 % comply to the law not comply 50 % of it.
Consumer complaint received 2019-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2019 - deposited a check in the amount of {$3000.00} to my checking account through ATM after the deposit was completed, I was advised the check would be on hold until XX/XX/2019 ; approx. 7 business days Following my deposit I called the bank and was advised there was nothing I can do.

1 ) My issue is that prior to accepting the deposit bank should let you know that funds would be held.

2 ) Secondly, the holding time is excessive 3 ) my rent is due on XX/XX/XXXX and will face a penalty of {$50.00} because I will not have the funds 4 ) i had set up payments to come out of the account, which the back returned and imposed overdraft fee Had I known the deposit would be held for so long I would made the time to visit a branch and cash the check of find other means to receive my funds.
Consumer complaint received 2019-08-04
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. (AL)

On XX/XX/XXXX I sent a letter to Equifax about a unauthorized credit account on my credit report. I asked them to remove it from my credit report. XXXX XXXX XXXX I received a letter from Equifax stating they could not identify me. I just moved from my old house and now staying with a family member due to hardship. I do not stay at the old address which is XXXX XXXX XXXX I don't know what to do but to send this issue to you. I attached my driver license, my cable bill, recent pay stub and my w2 to prove I am who I say I am. Please help me to get this unauthorized credit card off my credit. Its XXXX XXXX XXXX account reporting on my Equifax that's not mine.
Consumer complaint received 2019-08-04
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. (NY)

XXXX XXXX XXXX XXXX is reporting a balance of {$2700.00} from a lease I returned in XXXX of this year. The dealer paid in full this amount. On my credit reports it is still reporting that I have this open balance there is another amount of {$4800.00} from XXXX as well showing on my reports. Ive had 3 leases with XXXX and the only current correct one is XXXX of 2019 for {$21000.00} having 3 XXXX accounts reporting balances increases my debt which is wrong.
Consumer complaint received 2019-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant Mercantile Agency (MO)

In XX/XX/2018 I received a Bill from XXXX XXXX XXXX XXXX in the amount of XXXX. I then contacted them to prove that this was not me who used their service. After an investigation done by XXXX XXXX I then received another letter on XX/XX/XXXX stating that the results were that they could not identify who received their service. A couple of months later, I was contacted by Grant Mercantile collection agency. They were trying to receive the same debt from the afore mentioned dispute with XXXX XXXX XXXX. Grant Mercantile Requested that I send them a letter with a police report ( submitted case # XXXX ) and file a dispute with the federal trade commission ( report # XXXX ) and the letter from XXXX XXXX ambulance claiming this was not me as well. I have recently now received a notification on my credit report that Grant mercantile is still pursuing this debt. This is an example of predatory debt collection when there is no proof this was my debt and I have gone through the necessary steps to work with the agency. I am currently in contact with a local law firm to pursue legal action.
Consumer complaint received 2019-08-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (FL)

My name is XXXX XXXX XXXX, I am XXXX  XXXX at XXXX Hospital, I have Insurance with XXXX for few year. Last year XX/XX/2018 I had a medical condition and was admitted for few hours in Emergency Department. 
Few weeks after a paid hospital bill and everything was fine but two week ago in the process for buy my house after wait 5 year and with perfect credit score over 800.  The bank communicated with me because I have a debt in collections and my credit score is too low around 600. I Communicated with collections and my insurance and the problem was that XXXX XXXX XXXX XXXX, never sent bill to my insurance and never sent bill to me. 
But the worse for me is that despite to pay 20 % of my house loan, my bank give to me HFA and now I will pay XXXX dollars for month for 11 years for mortgage protection, total of XXXX dollars more due to XXXX XXXX XXXX XXXX sent medical bill and damage my credit score. This is an unfair practice.
Consumer complaint received 2019-08-02
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. (TX)

XXXX and Transunion are reporting incorrectly a collection in the amount of {$1800.00} on the XXXX  XXXX  partial account number XXXX. ( Please see pages 27 and 28 of the attached credit report. ) This account is well over ( 7 ) years old and reporting of this line item is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this, however I have not been successful.
Consumer complaint received 2019-01-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I went into Wells Fargo to withdrawl a roll of quarters from my checking account. The transaction finished and I left. Later that night I noticed {$900.00} was taken from my Savings account. I called and filed a claim and was told it would take 7-10 days to receive my funds. A week later I was told my claim was inaccurate and had to file another. Then saying the branch should have given me my money back themselves. It has now been 16 days amd nothing has been resolved and my second claim has been closed. I have yet to receive my {$900.00} back.
Consumer complaint received 2019-08-19
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. (AR)

In my complaint #XXXX with XXXX, I requested the cleared debt with XXXX/XXXX  be removed as it was connected the XXXX XXXX XXXX, (which was removed). It was reported back to me that no such account exists, which is only partially correct.  The erroneous account being reported by XXXX, which was dismissed and closed by the court, is the XXXX/XXXX account.  This account is still being reported and hurting my credit score. This is a case where one finance company sold an account to another. (I believe the original account was held by XXXX   which sold it to XXXX  which in turn sold it to XXXX XXXX.)  As ALL accounts related to the debt were cleared and dismissed by the Arkansas Court, NONE of them should be continued to be reported on my credit file.  This is illegal.Although the results have not been completed with the two other reporting companies, I am afraid they will finish with the same results as XXXX.  Please refer to complaints #XXXX & #XXXX and add this problem to those.thanx.
Consumer complaint received 2018-10-26
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)

Debt collector has said that this account does not belong to them, but they are listing this debt, that is inaccurate reporting, according to FCRA information reported have to be 100 % accurate or should be removed from consumer credit file, also company has not provided a contractual agreement showing that they have the right to collect these debts. 
There for this should be removed from my credit file. 
Thank you.
Consumer complaint received 2019-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently was denied credit for a XXXX credit card I was told reason for denial was there is 2 accounts that are either paid or unpaid reporting as negative. I was advised to contact XXXX  because I told them that information is incorrect and Ive been trying to resolve this issue with XXXX. Ive written them several times with no response except they will not re-investigate these accounts for me unless I have additional proof. I also tried several times to reach a live human to speak to but thats impossible. I am upset at the fact that XXXX will not delete or remove these 2 accounts that are reporting negative. It is affecting my credit score and creditworthiness.
Consumer complaint received 2019-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (PA)

On XX/XX/XXXX Exeter Finance Corp was suppose to take a schedule payment out for {$260.00}. On XX/XX/XXXX I received an alert on all of my credit monitoring software stating that my account was past due on payment. I was never notified by mail, email or phone that my account payment didnt go through. So I did my own investigation and found that Exeter Finance Corp had technical issues and kept declining my card payments. Because I called my Credit Union and they allowed the payment through but Exeter Finance Corp was declining it. This is the second time this had happened. The first time was on XX/XX/XXXX. I was told last time that there was nothing they can do but these false late payments are dropping my credit score 100+ points while I am in the process of rebuilding it.
Consumer complaint received 2019-08-02
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. (CA)

XXXX  XXXX  XXXX, XXXX XXXX XXXX please remove the late payments reported on these accounts. The late payments reported is incorrect. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it. I ask credit bureaus to investigate and they said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error Please remove the error from my credit report ASAP
Consumer complaint received 2019-07-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: REMAX (AZ)

On XX/XX/2019 when we signed and notarized our closing documents, they had defined commission pay outs of {$9000.00} to RE/MAX professionals and {$12000.00} to XXXX XXXX. On XX/XX/2019 at XXXX I received final closing documents via email, which reflected a commissions change from the closing documents that I signed. The changes reflected {$11000.00} to RE/MAX professionals and {$13000.00} to XXXX XXXX. Changes were made to the commissions without my knowledge, signature, or any type of disclosure. The title company manager stated that she informed my realtor that all documents had been signed and notarized. However, changes were made to the documents regardless. To date, RE/MAX has stated that this was just a " lack of communication ''. I feel that I've been misrepresented by RE/MAX professionals and my realtor did not protect, disclose, or represent me properly throughout this process. To date, RE/MAX professionals has not admitted that they approved these changes without my consent or knowledge.
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CO)

I called experienced because Im paying off debt and fixing credit. someone opened an account on my name and now experience wants me to send them personal identifying information to a P.o. Box!!!! No proof of delivery etc. they want me to send a copy of my drivers license, social security card, bank statement and a letter stating it wasnt me who opened the account to an unsecured p.o. box!!! Until they fix this I cant repair my credit!!!
Consumer complaint received 2019-01-22
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: SYNCHRONY FINANCIAL (CA)

Synchrony /XXXX  XXXX I have contacted XXXX many times and there refuse to stop reporting on this account after it was sold A clear violation of reporting They state You are reporting every month after it was sold I faxed to day XXXX  XXXX copies of your documents asking to remove this account from XXXX . Please Remove this account respond through the CFPB you will or refuse so I can proceed with what action I will need to take. enclosed are your documents and a copy of XXXX credit report 10 days from the date CFPB sends to you to respond is fair