davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BOEING EMPLOYEES CREDIT UNION (WA)

What happened? In XX/XX/XXXX I settled 5 charge off accounts with Boeing Employees Credit Union. We are in agreement that the accounts are paid in full and paid as agreed. I have included a settlement letter from BECU that confirms this. A 6th account was settled in XX/XX/XXXX, letter attached. All 6 accounts appear on the included XXXX Credit Report, with red boxes marking the items described herein on pages 6-9 of the credit report. BECU stopped reporting the payment history on each of the accounts marked in red boxes in XX/XX/XXXX, but started reporting derogatory payment history anew, when I settled the accounts. This inaccurately reflects my payment history and RE-AGES my account in violation of the FCRA because it shows a recent delinquency. The attached letter confirms these accounts are PAID AS AGREED. Thus, the derogatory payment history must be deleted in accordance in the FCRA. The new reporting of derogatory information results in a reduction in my credit score. When I paid the accounts off, instead of an increase in my score, I received a DECREASE in my score due to recent delinquencies when BECU suddenly began reporting them. If BECU fails to delete the payment history, its only other option is to update the entire history as derogatory beginning when the first payment was missed for each account. Additionally, BECU continues to report 'Creditor can not locate individual ' which is false, as shows on page 9 of the XXXX credit report, marked in red. BECU has been in regular contact with me since XX/XX/XXXX, as proven by the attached letter confirming my settlements. I have twice tried to get them to remove this derogatory description using the dispute process, and each time they have 'verified ' it as accurate. This is clearly erroneous. I have contested these accounts with XXXX and they received 'verification ' from BECU that the accounts were reported accurately. As proven herein and by the attached, BECU 's XXXX reporting remains inaccurate. Having exhausted the dispute process with the XXXX credit bureau, I am seeking resolution via the CFPB as a next step.
Consumer complaint received 2017-07-04
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: Experian Information Solutions Inc. (TX)

under the FCRA Experian must have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and second subsequent re investigation, they stated in writing that they verified that these items are being reported correctly? They did not respond when i asked following questions Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Secti on 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).    XXXX  ALL THEY DONE WAS SENT ME BY  MAIL 7 YES 7 COPIES  OF MY REPORT
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

During the week ofXX/XX/XXXX, I reached a settlement on the two credit card accounts I have with USAA. OnXX/XX/XXXX, I paid off both credit card accounts with USAA for the settlement amounts, ending in XXXX for {$560.00} and XXXX for {$4400.00}. USAA has reflected the payments I made to the 3 credit  bureaus XXXX, XXXX, and XXXX, but refused to report the accounts paid in full and the remaining balance is posted as due and owing. I contacted USAA on multiple occasions and was told I would be receiving a fax, which never occurred. On the most recent call, I was told the fax would take 10 days from XX/XX/XXXX which is an unreasonable length of time ( over 21 days since payoff, if it is ever sent ). I have previously exhausted the dispute process with the credit bureaus and since no letter was provided by USAA I am unable to provide written proof of the settlement. Verbally, USAA acknowledges a settlement was reached and the account was paid. However, they refuse to simply put it in writing on a brief document and provide it to the consumer, and have not updated the accounts as settled with the three credit bureaus. They state it will take 2 or 3 MONTHS to report the settlement! I feel USAA is intentionally delaying since they have received their payments, and this is unfair to the consumer. I paid promptly upon settlement, USAA needs to demonstrate the settlement promptly in writing and with the three credit bureaus. I have attached a copy of my triple bureau credit report which reflects the USAA accounts that are incorrectly reported.
Consumer complaint received 2017-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY (WI)

I HAVE APPLIED FOR AMERICAN EXPRESS SEVERAL TIMES I WAS TOLD THAT BECAUSE OF MY XXXX BK IN XX/XX/XXXX I SHOULD NOT BOTHER APPLYING, BECAUSE AX WAS PART OF MY BK ... ... ... ... ..REGARDLESS OF MY SCORE. I CONSIDER THIS DISCRIMOINATION OF PAST EVENTS. THAT IS WHY ITS PROTECTION UNDER FEDERAL LAW, I CAN NOT BELIEVE THEY TOLD ME I WAS STUNNED IN XX/XX/XXXX THEY SAID THIS ... ... ... ... ... ..
Consumer complaint received 2017-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

My loan was tran sferred to Specialized Loan Servicing in   XXXX   XXXX .  SLS h as failed to honor the payment amount that  XXXX   XXXX  had in place while they serviced my loan. My payment amount was {$2600.00}.  SLS says that my  payment is over {$2600.00}. This is clearly wrong.  <P/> In addition,  XXXX   XXXX  ran an escrow analysis in  XXXX   XXXX , and my payment adjusted. When the loan transferred , SLS failed to honor the escrow analysis, and ran another analysis. The payments increased again, and I  was given limited help in having this issue rectified.
Consumer complaint received 2017-07-04
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: U.S. BANCORP (TN)

All of my personal identification have been stolen. Drivers license, social security card, birth certificate. All of my personal information have been changed with XXXX. A seven year fraud alert have been placed on my report. I 've spelled my name as XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX. XXXX is my maiden name. I was once married to XXXX. XXXX XXXX XXXX XXXX XXXX oldest child name is XXXX. XXXX XXXX XXXX XXXX His birthday isXX/XX/XXXX. My youngest child name is XXXX XXXX XXXX XXXX birthday is XX/XX/XXXX. He was born at XXXX XXXX in XXXX XXXX. He have a XXXX XXXX & he 's a XXXX XXXX. XXXX have been taken advantage of because of his XXXX, by the XXXX Family & others. The FBI told me to pull my credit report, because it 's an inside job. A monitoring service have been added to my report, to prevent me from pulling my report. I was also told to pull all of my tax returns. Because my date of birth have been changed, my employers have been changed. Social Security have written me a query with all of the EIN numbers of my former employers from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX I filed Bankruptcy. The property at XXXX XXXX XXXX XXXX had been refinanced by The XXXX XXXX inXX/XX/XXXX without my knowledge. A series of people was linked to me with U S Bank Mortgage. In XX/XX/XXXX someone reported a fraud XXXX XXXX to IRS. They used The Department of Labor FIN number was used. The property had been turned over to Tennessee Housing Development. The property was sold for {$18000.00}. Yet {$35000.00} was reported to IRS. XXXX XXXX XXXX reported to XXXX I owe for their service. I was no longer in the home. I was forced out of the home. I was n't involved with the selling of the home. XXXX XXXX XXXX and all of her children abused XXXX XXXX XXXX services. My late father social security number is being used. The late XXXX XXXX have been deceased since XXXX. My mother social security number is being used, she has been deceased since XXXX. XXXX XXXX XXXX is my mother 's name. I reported this to XXXX XXXX XXXX years ago. At the time I did n't know my credit report had been tampered with, in the way that it have been.
Consumer complaint received 2017-07-05
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. (CA)

For the past 6 months i have tried to have a fraudulent account removed from my Equifax credit report. I have even provided them with my certified police report as well as the business card of the  officer  that took the report and the person in the records office that provided me the police report when i wen to pick it up ... .. that said they have failed to remove the account.
Consumer complaint received 2017-07-04
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. (IL)

On XXXX XXXX 2017 I recieved an alert from my XXXX credit monitoring service stating that my credit score was dropped because my Finance company XXXX XXXX XXXX XXXX stated that my payment was 30 days late. I am furious!! Because as of today my account is 26 days past due, as my payments are due on the XXXX of every month. There has never been any new agreements or signed contracts stating that the due dates have been changed, Therefore this company has in accuratly reported late payments to the credit reporting agency and has damaged my credit rating!!!!
Consumer complaint received 2017-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

Charges are not reported in logical order. I have charges from the current day appearing immediately and then three days later a charge  from 3 days earlier show up. This results in fees that the bank charges. The fees caused by this far outweigh the original charges. It feels like I am being scammed for fees.
Consumer complaint received 2017-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

an address I never lived at was removed from my credit report. It was added back without notification. The address is  XXXX   XXXX   XXXX   XXXX   XXXX  Md  XXXX
Consumer complaint received 2021-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MD)

On XX/XX/2020, I was the victim of a robbery when I was on vacation in XXXX, SC. I was made to give up my ATM card and info, as well as virtually send money to the suspect. Despite clear photographic evidence of the suspect at the ATM with my bank card, the bank BB & T is flat out refusing the claim based solely on the fact I am pictured in the car during the robbery. It's important to note I was forced into the vehicle and have included that information in the police report as well as a description of the vehicle. XXXX PD has a suspect, who was formally convicted for DEBIT CARD FRAUD. BB & T has refused to even try to corroborate information with XXXX PD and furthermor, have refused the basic right to an explanation from the analyst assigned to my case which I was promised. I am familiar with Regulation E and wanted to advise of a blatant violation of it by BB & T, now Truist.
Consumer complaint received 2018-06-15
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 — Investigation took more than 30 days
Company: Collection Service Center, Inc. (PA)

A medical bill was incorrectly submitted by a medical provider. In return, the medical insurance company twice processed the medical bill incorrectly. This resulted in the medical bill not being paid. I contacted the medical provider and the insurance company from XX/XX/XXXX to XX/XX/XXXX regarding this medical bill. On XX/XX/XXXX I was told by the Medical company that they notified the credit bureau to have the account removed. I talked with the insurance company who agreed to process the claim, however, indicated that it would take another 3 weeks before being resolved. On XX/XX/XXXX, the debt still had not been removed from my credit report. I contacted XXXX numerous times. On XX/XX/XXXX I disputed the debt verbally. Because the representative could not understand or refused to understand English, I attempted to dispute the debt online. The website was not functioning properly and I could not dispute the debt. I tried to fax proof that the insurance paid the debt and to send a letter from the creditor showing that the debt was to be removed. I found out later that XXXX fax machines had issues. I contacted the credit agency and later found out that they did not notify XXXX until XX/XX/XXXX as opposed to XX/XX/XXXX. Finally, I was able to fax successfully to XXXX. As of XX/XX/XXXX, the debt remains on my credit report. My credit line from XXXX was reduced as a result of this debt.
Consumer complaint received 2017-07-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (IN)

Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The lender failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). A new application was submitted as we were advised by the lender as long as the updated information was received 15 days prior to the sale date - We were advised today they are denying the review due the information not being received 37 days prior to sale in accordance with CFPB - this is not a requirement of the CFPB it is a stated requirement of the lender and not stated in any regulation.
Consumer complaint received 2017-07-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

I am using the app   XXXX   XXXX   which is suppose to connect to my bank. It connected when I first started but it wo n't show the updated amount in my bank account now. I made {$95.00} on the app   XXXX   XXXX   and was allowed to cash out but it is not showing the correct amount before the {$95.00}. I use PNC bank which is usually pretty reliable not sure if its an issue on their end or   XXXX   XXXX  .
Consumer complaint received 2017-07-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M. G. Credit, Inc. (FL)

I signed up for a gym membership with XXXX XXXX and thought I signed up for a 12 month membership and found out later it was a 24 month membership. Subsequently, I had to return to XXXX to care for my mother who was having XXXX XXXX issues. I attempted to cancel my contract as I was moving out of the country and to my knowledge there are no XXXX XXXX in XXXX XXXX. I was told that I can not cancel my contract and would be responsible for the entire contract balance. <P/>The account is now with mgc and the balance continues to increase and I can not figure out why. This is criminal that mgc continues to tack on fees and additional charges to my account and currently I have a balance of {$500.00}.
Consumer complaint received 2017-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (LA)

This account information is invalid and has not been verified as requested. There is no contract to prove the debt. 4 Legal letters were sent out for this account to be verified, in order to prove the debt valid, and no response has been returned besides my credit reports stating it as " verified '' with no documentation. In addition, it was requested that this account be removed from my credit reports for non verification in violation of state and federal law, and it still remains on my credit reports. They were required under the FCRA to have properly verified the accuracy of the account and they have not done so. There are no documents in their files to prove the account that has been disputed four times belongs to me. There is also no name provided as to who in the company attempted to verify it. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to promptly delete all information which ca n't be verified and have refused to do so.
Consumer complaint received 2017-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I opened a secured credit card in XXXX XXXX I had to pay a security deposit of XXXX and I setup the account to have a XXXX limit before opening the account there was an option to increase the credit limit so I paid {$100.00} through my banking financial institution which now made my credit limit {$400.00}. A few days ago I closed the account because I no longer it and its only showing I had a {$300.00} security deposit. I contacted capital one on XXXX/XXXX/XXXX and they tried to tell me that they gave me the additional {$100.00} which is not True on a secured credit card the company gives you no money, any money used on the account is what you put in. They are now saying I owe them {$100.00}. The supervisor could n't even tell me when they supposedly gave me the increase.
Consumer complaint received 2018-06-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have initiated several disputes with the major credit bureaus to resolve a glaring inaccurate account that is dragging my credit score down. XXXX XXXX XXXX XXXXXXXX is reporting 1. 180 day late status since XX/XX/2014, 2. reporting me 120 days late every month since XX/XX/2014 3. Shows my monthly payment as what the balance is and 4. Shows my terms a " 1 month ''.

Attached is my credit report pulled by the mortgage company, at the bottom of page 8 of 21 is where you will find the XXXX XXXX XXXX  XXXX. 

It seems that the credit bureaus will not investigate or fix an account because they are receiving monthly premiums for reporting regardless of what impact it has on the consumer 's financial health. 

I'm hoping this will help me fix this issue
Consumer complaint received 2018-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (GA)

I applied for modifications and was offered a modification with a good faith deposit of {$13000.00} in XXXX. I don't have that and never gave them the impression I did. I am the owner of the home on a deed. I was never offered the option to obtain the loan since it's in the name of the estate deceased husband. I want to be considered for owning the loan. I recently sent over a new application to be considered for ownership of the loan.
Consumer complaint received 2020-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

attempted to help. I did not note the agent 's name. The agent asked if he could call. I agreed. On the phone the agent had me download an app called XXXX XXXX. The agent explained this was one of the procedures Cash App employed to better serve it, clients. The app lets an agent see was the client sees. The agent said, " in order to unlock your account type this in and hit enter ''. I did as instructed, Belatedly I realized I had typed in the procedure Cash App uses to wire funds, a cash tag followed by a numbered amount. I confirmed with the agent whether I had wired funds. The agent said not really because the funds went to a Cash App dummy account and would be reversed back into my account in a few hours. I was not happy and protested the agent 's actions. I was uncomfortable using the App after that and choose instead to wire through XXXX. The next morning the money still was not in my account. I tried customer service via the app and received no response, unlike before. There was no other form of contact available to save the email. I wanted the money situation addressed quickly before the transaction was completed. I wanted a live person to intercede immediately. I went to the web and found a number for Cash App. I called and asked for a manager. XXXX XXXX identified himself as a manager. I explain that an agent from cash app deducted funds and I wanted them back. Mr. XXXX assured me he would get the funds back but he too had to verify I was authorized to access the account. The authorization process was the same. I bulked. But wanted the funds back. Mr. XXXX did not use the same hashtag method but he named a series of numbers that ended up being deductions totaling {$3500.00}. Cash App has stopped responding to me or my bank.
Consumer complaint received 2017-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

On  XXXX / XXXX / 2017 , USAA was contacted regarding information being reported on my consumer report from  XXXX   XXXX   XXXX . They responded back to the investigation request stating that they have documentation verifying the information reported is accurate. However, according to the information submitted by me as part of the investigation request, as well as documentation submitted by  XXXX , and also public records including credit reporting information, the information being reported is clearly inaccurate. They refuse to remove the record or cease reporting the inaccurate information related to account number  XXXX .