davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/20, I paid and settled my Bank of America credit card in full for {$1200.00}. 
The information was correctly updated on all 3 credit bureaus, however, a week later, it was updated that there is still the balance owed. 
Ive disputed it twice with the credit bureaus showing proof of settlement and payment. However, Bank of America continues to verify a balance is still owed. Bank of America will not fix the issue either.
Consumer complaint received 2020-06-27
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. (GA)

This is my THIRD TIME notifying yall about these fraudulent acounts on my credit. The FIRST time i was accused of using a credit repair company. I cant even afford a credit repair service. I was accused of using credit repair the SECOND time, now the THIRD time yall said these are my accounts. HOW could these be my acounts when i have NEVER benefited from. I am victim of identiyy theft and i feel like im being further victimized by being accused of actually owning these accounts. I really dont know what yall want me to do, the only logical thing would be a law suit..
Consumer complaint received 2020-06-27
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. (GA)

This is my THIRD TIME notifying yall about these fraudulent acounts on my credit. The FIRST time i was accused of using a credit repair company. I cant even afford a credit repair service. I was accused of using credit repair the SECOND time, now the THIRD time yall said these are my accounts. HOW could these be my acounts when i have NEVER benefited from. I am victim of identiyy theft and i feel like im being further victimized by being accused of actually owning these accounts. I really dont know what yall want me to do, the only logical thing would be a law suit..
Consumer complaint received 2020-06-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One Auto Finance illegally repossessed a vehicle that I had financed through them. They are and were in violation of Fair Debt Collection Act, Fair Credit Reporting Act, and Antitrust Laws. The bank has continued to illegally monitor my accounts beyond the scope of what is necessary to conduct day-to-day operation and violate my privacy rights by disclosing sensitive financial information to their affiliates. 
With respect to the vehicle that was repossessed, Capital One repossessed the vehicle in state outside of venue for the contract. They repeatedly harassed me through mail and phone calls despite being asked not to ( also in a state outside of venue ). They violated my right to privacy by tracking and monitoring my physical location illegally They breached my contractual right to third party arbitration although I requested this. They are in violation of my right to due process by continuing to threaten legal action and taking none. They are also in violation of the Fair Credit Reporting Act by continuing to report negatively to the credit bureaus on the account past the reasonable scope of law. 
In addition to this Capital One retaliated by reporting a missed payment on a Credit Card account that I had maintained as current with them for over twelve years although there was no missed payment on the account. This is an accounting tort of law where they adjusted a bank ledger to reflect events that did not occur.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

Upon reviewing my consumers report, i noticed that there were several accounts listed that do not belong to me. Here are the accounts listed Dept of EDXXXX Bal- {$5700.00}, Opened XXXX Dept of EDXXXX Bal- {$4800.00}, Opened XXXX Dept of EDXXXX Bal- {$4600.00}, Opened XXXX Dept of EDXXXX Bal- {$4000.00}, Opened XXXX Dept of EDXXXX Bal- {$4000.00}, Opened XXXX Dept of EDXXXX  Bal- {$3800.00}, Opened XXXX Dept of EDXXXX Bal- {$3200.00}, Opened XXXX Dept of EDXXXX Bal- {$2500.00}, Opened XXXX Dept of EDXXXX Bal- {$2500.00}, Opened XXXX Dept of EDXXXXXXXX Bal- {$2300.00}, Opened XXXX Dept of EDXXXX Bal- {$2000.00}, Opened XXXX Dept of EDXXXX Bal- {$1500.00}, Opened XXXX Dept of EDXXXX Bal- {$640.00}, Opened XXXX
Consumer complaint received 2020-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

this process took more than 30 days on XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion, XXXX. 

I did not hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these people yet
Consumer complaint received 2020-06-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XX/XX/XXXX, XXXX, XX/XX/XXXX i wrote XXXX, XXXX , XXXX and XXXX that they had erroneous information on my Bank of America Mortgage . i submitted proof of timely payment. i requested Section 609 " wet ink proof '' of my application and XXXX, XXXX, XXXX and XXXX did not respond or provide proof. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I also submitted requested to remove the late payment informatoin on my XXXX mortgage which has been paid in full and was never late. XXXX, XXXX, XXXX and XXXX did not remove their erroneous informatoin. 

Botht he Bank of America and XXXX mortgages were paid off in XXXX on XX/XX/XXXX. 

Also, i requested proof of " hard inquiries '' on my XXXX, XXXX, XXXX and XXXX by : XXXX, XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX which i never authorized. and the credit agencies did not provide proof i authorized.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2020-06-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XX/XX/XXXX, XXXX, XX/XX/XXXX i wrote XXXX, XXXX , XXXX and XXXX that they had erroneous information on my Bank of America Mortgage . i submitted proof of timely payment. i requested Section 609 " wet ink proof '' of my application and XXXX, XXXX, XXXX and XXXX did not respond or provide proof. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I also submitted requested to remove the late payment informatoin on my XXXX mortgage which has been paid in full and was never late. XXXX, XXXX, XXXX and XXXX did not remove their erroneous informatoin. 

Botht he Bank of America and XXXX mortgages were paid off in FULL on XX/XX/XXXX. 

Also, i requested proof of " hard inquiries '' on my XXXX, XXXX, XXXX and XXXX by : XXXX, XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX which i never authorized. and the credit agencies did not provide proof i authorized.
Consumer complaint received 2020-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (MA)

I'm not sure who to bring this to again! I continue to dispute a phone company bill XXXX that doesn't belong to me. In XXXX, i pulled my credit and noticed that XXXX report that i owed them {$870.00} and they had sold the account to XXXX XXXX XXXX company. I disputed directly to the bureaus and that third party company. Now i just pulled my credit and noticed that there is the same collection from XXXX under different company names opened XX/XX/2020 under Source Receivables Services SRM. I can tell you by monitoring my credit, the open dates are wrong. I been researching them online and noticed that there are so many complaints against this company online between XXXX, CFPB, etc. Also i read this " Source Receivables Management or SRM is a third-party collection agency based in North Carolina. SRM has received complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including attempting to collect debts not owed and using false or misleading language in an effort to collect a debt. ". This company continues to ruin my credit and placing wrong information on my credit report using different companies under their umbrella. It's causing this account to illegally re-aged and dropping my credit score. 

AGAIN, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2020-06-26
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. (TX)

XXXX XXXX has promised via mail that they would report a XXXX ( {$0.00} ) balance to all credit bureaus concerning my previous XXXX XXXX account. This has not happen as of yet. I was a responsible consumer and have paid my obligation. Yet, I have been dealing with the problem for two ( 3 ) years with a lot of run around and no resolution. Please see supporting documentation as proof.
Consumer complaint received 2020-06-26
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SN SERVICING CORPORATION (NY)

FDCPA VIOLATIONS - REFERRED BY FTC SN SERVICING XXXX XXXX XXXX IS CONTACT XXXX FDCPA violations since servicing loan that it did not originate and the loan was in default at the time servicing is received, hence SN Servicing is a debt collector. 

2 ) SN Servicing added in debt that was written off by prior owner. XXXX. 

May not use unfair or unconscionable means to collect or attempt to collect a debt. 
Collect any interest, fee, charge, or expense incidental to the principal obligation unless authorized by the original debt agreement or is otherwise permitted by law. Use any False, Deceptive or Misleading Representations to the court, and to their client, the investor, on history of the debt. 

3 ) Forced Place Insurance was imposed without notice. They sent notice to address they knew was incorrect. 

4 ) DENIED Covid Forbearance based on original of debt from 2008 default? And ignored our many covid related losses. 

5 ) ACTION - Threaten to take any action that is not legal or intended, constant threats of litigation if we applied for COVID 19 forbearance. 

6 ) ESCROW / PROPERTY TAXES - trail mod contract explicitly states the we pay them escrow for property taxes, which we do and did, and they apparently stopped paying property taxes last year, despite their constant legal threats to sell home, and their actions in court to sell it, which were deemed illegal and cancelled.

7 ) SN SERVICING TOLD US THEY DO NOT HAVE THE POOL SERVICING AGREEMENT FOR OUR DEBT, NOR DO THEY HAVE THE ORIGINAL DOCUMENTS
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX  XXXX : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I made mortgage and escrow XXXX property tax XXXX payment to Select Portfolio Servicing since XXXX, XXXX. SPS never made the property tax payment on my behalf. In XX/XX/XXXX, they said that they would start investigation after I called them couple times. On XX/XX/XXXX, they sent the letter stating a refund check for the amount of {$11000.00} was mailed out on XX/XX/XXXX because they never made the payment to the county. Since then, I have made at least 5 phone calls asking the status of the check that I never received. Every time, they gave me a runaround. As of today, XX/XX/XXXX, I still didnt receive the check
Consumer complaint received 2020-06-26
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 NEIGHBORHOOD MORTGAGE (KY)

Earlier this week, my mother reached out to a mortgage loan officer, XXXX XXXX ( XXXX # XXXX ) to obtain general information about a specific program that offers down payment assistance in Ohio. While my mother was only seeking some preliminary information, XXXX XXXX obtained from my mother my social security number and other personal information, which he then used to run a hard inquiry on my credit. Neither my mother nor I ever provided express permission to XXXX XXXX to run my credit. In fact, until today, when XXXX XXXX returned my call after I learned from XXXX that he had run a hard inquiry, I had never even spoken to XXXX XXXX myself. In other words, XXXX XXXX had absolutely no basis or other reason to believe he was authorized to run my personal credit report. 

As someone who has been working hard to build my credit and keep it free from any unnecessary blemishes, including hard inquiries, until I know I am in a good position to seek approval for a mortgage loan, learning from XXXX what XXXX XXXX did felt like a devastating setback. When I spoke to XXXX XXXX about what he did, he showed absolutely no remorse for his actions, and instead proceeded to tell me that he runs credit for lots of other people when their family members call him for information. This is simply unacceptable ; he should not be running anyones credit without that individuals explicit permission to do so. When I told him I intended to inform the relevant oversight agencies/authorities of his actions, XXXX XXXX ( very unprofessional ) response was a sarcastic, Oh, Im so scared! 

I wanted you to know because allowing someone like XXXX XXXX to be an approved lender could have significant ramifications. Not only does he lack the display of professionalism each lender should display, but more importantly, he has engaged in unlawful action by running someones credit without permission to do so. I now have to devote time to disputing this inquiry with all three credit bureaus/reporting agencies, something that noone should have to worry about. 

Thank you for your time and consideration of this matter.
Consumer complaint received 2020-06-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (NJ)

I have contacted MoneyLion many times to update their system and address disputes with XXXX. They have provided a letter addressing this but XXXX will not ACKNOWLEDGE the letter, therefore the dispute continues to come back as " REMAINS ''. 

I am demanding that MoneyLion, account # XXXX update their system to current or Never Late so that disputes are updated. 

I have contacted MoneyLion MANY TIMES asking them to provide accurate payment history to XXXX. This is my 5th dispute with this matter. 

I AM BEYOND FRUSTRATED!!!! 

This is an incorrect reporting of my account status and clearly a violation of my consumer rights. 

According to the Fair Reporting Act " Accurate Reporting If  inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information, usually within 30 days. 

I will continue to report this company with the consumer finance division until my consumer rights are protected. 

Again, correct and remove this.
Consumer complaint received 2020-06-26
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. (MO)

XXXX XXXX XXXX HAS FRAUDULENT COLLECTION ACCOUNT PLACED WITHIN MY TRANSUNION CREDIT FILE XX/XX/2019 {$410.00} AND {$400.00}.
Consumer complaint received 2020-06-26
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: Credit Karma (TX)

After deleting and reinstalling the app on my cell phone, I have been unable to login. Their web help required me to login so I got no help. I called the phone number I found on the web for them and it goes to voice mail with no rerun call. The letter I wrote them on XX/XX/XXXX, attached, to the address I found in online search came back unable to forward marked XX/XX/XXXX.
Consumer complaint received 2020-06-26
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: Navient Solutions, LLC. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?