davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-12
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: U.S. BANCORP (TX)

This is a follow up to complaint XXXX and case number XXXX. US Bank denied my dispute for {$3500.00} under the Fair Credit Billing Act, " If you think there is an error on your bill, you must contact us within 60 days after we send you the statement the error appeared on. Unfortunately, your inquiry about this transaction was received after this 60-day period had passed, and we are unable to assist you further. '' Per the XXXX XXXX statement where the transaction appears, the wording under Information About Your Account states, " If you have a problem with the quality of goods or services you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than {$50.00} and the purchase was made in your home state or within 100 miles of your mailing address. '' I have tried in good faith to resolve the issue with the merchant. Merchant has told us to go to XXXX to get XXXX to fix the issue. The purchase was more than {$50.00} and the purchase was made within 100 miles of my mailing address and in my home state. I am not raising an issue with a billing error but with the dissatisfaction of the goods and services. 

Does US Bank not have to honor the rights for the cardholder since it took over XXXX XXXX? Even US Bank has a disclosures regarding the " Your Rights If You Are Dissatisfied With Your Credit Card Purchases '' and there is not any mention of a 60-day period. The criteria for a 60-day period is under " What To Do If You Think You Find A Mistake On Your Statement ''. This is not a complaint regarding a mistake but with the my rights since I am dissatisfied with my credit card purchase, which falls under " Your Rights If You Are Dissatisfied With Your Credit Card Purchases ''. 

Based on the agreement I entered into with XXXX XXXX XXXX when I applied for card, this complaint falls under the criteria for " Special Rules for Credit Card Purchases '' as stated in the enclosed XXXX XXXX Credit Card statement where the {$3500.00} appears.
Consumer complaint received 2021-08-31
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. (IL)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2021-08-31
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. (CA)

After checking my credit report, I found unknown inquires from XXXX XXXX on both my Transunion & XXXX  report. I reached out to XXXX XXXX stating I never authorized them to pull my credit. On XX/XX/2021 XXXX XXXX provided a letter stating they were unable to provide permissible proof to run my credit. They then informed me they have sent a request to all major credit reporting agencies to have the inquiries removed from my credit report. I reached out to TransUnion & XXXX  to confirm confirmation of removal. Both XXXX  & TransUnion have received nothing from XXXX XXXX as of XX/XX/2021. XXXX  stated they will NOT remove inquires without a complaint to the FTC and a Police Report, although XXXX XXXX has express these inquires were NOT authorized. TransUnion has reiterated the same statement as XXXX. I have called numerous times to XXXX  to only be hung up on every time, they refuse to follow the law & refuse to remove the inquiries.
Consumer complaint received 2016-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (GA)

account updated after request, but failed to remove : Dispute and Reinvestigation. These need to be removed due to the fact that XXXX will not approve a mortgage loan with pending disputes or investigations. I have requested this is of Ocwen, but no proof that they are willing to update account since mortgage loan was sold to XXXX.
Consumer complaint received 2021-08-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PORTIFOLIO MORTGAGE (UT)

My VA loan was transferred to American Portfolio management on XX/XX/XXXX. The loan was in COVID forbearance which was due to end XX/XX/XXXX. I requested a VA disaster relief modification toward the end of XXXX by phone. I sent an email on the servicer website on XX/XX/XXXX to ask about the status of the modification. The automated response was " Dear XXXX XXXX XXXX and XXXXXXXX XXXX XXXX : We received your message dated XX/XX/XXXX, regarding your modification. We are sending this response via email as our messaging portal is temporarily unavailable. We apologize for any confusion or inconvenience this may cause. 

Your account was service transferred on XX/XX/XXXX, this also transferred your pandemic forbearance effective XX/XX/XXXX, through XX/XX/XXXX. Your account was approved for a forbearance with a XXXX-payment requirement with our Loss Mitigation Department XXXX As of the date of this message, you are still working with our Loss Mitigation Department. If you have questions about your forbearance or any additional payment assistance, please contact our Loss Mitigation Department at XXXX. 

If you have any further questions or concerns, please feel free to contact our Customer Service Department at XXXX, or you may respond directly to this message. 

Sincerely, Research Department '' I found out today that the call and the request for the modification were not documented properly and the modification request was not submitted by the loss mitigation representative.The person on loss mitigation I spoke with today told me she would submitthe modification request and that it would take 60-90 days to process. This should have already happened from my first request. I am livid, what is my recourse? Do I now have to wait an additional 3 months for this company to do what I was told would happen back in XXXX? I am stuck with this company until I make six consecutive payments and can refinance ( 3 more months ).
Consumer complaint received 2021-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Company reported late payments during XXXX at the beginning of the pandemic even when they offered support to relieve payments during the months they counted as late. The company reported that my payments were late in XXXX, XXXX, XXXX and XXXX of XXXX ; all of which were supposed to be covid by their covid relief. I wrote a letter to the XXXX XXXX on XX/XX/XXXX. I have not received a response.
Consumer complaint received 2016-06-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank Of America has had me paying a loan that was Discharged in 2010 as part of my Chapter XXXX Bankruptcy. I only found this out because I inquired about the payoff amount. I asked Bank Of America to report my payoff to the credit bureaus. XXXX and XXXX both sent me paperwork proving the loan was discharged.
Consumer complaint received 2021-08-30
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: Shellpoint Partners, LLC (ND)

As of XX/XX/XXXX I received an email about my credit report on XXXX. NewRez LLC/Shellpoint Mortgage marked XXXX of XXXX as a late 30 day payment. My score dropped XXXX points. This is impossible as I sold my home, closed and paid loan in full XX/XX/XXXX of XXXX. I have been in contact with Shellpoint the last 4 months trying to fix payments marked as late. I thought the issue was resolved as XXXX  and XXXX showed the months of XXXX XXXX as current, XXXX as 30 day late, and XXXX and XXXX were marked as " D-No Payment History Reported/Available For This Month '' and XX/XX/XXXX showing CLOSED. I opened a dispute with XXXX  XX/XX/XXXX to update credit information and the report is completely different then what the other two agencies are reporting. Due to their errors I am now not able to get a loan because they reported a late payment for this year. They also did this to my husband 's credit but reported the month of XX/XX/XXXX as 30 day late.
Consumer complaint received 2021-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

We refinanced an existing Wells Fargo mortgage through Wells Fargo. The process was problematic from shortly after the initial application. Our credit scores in the 800 's, we owe no debt besides the mortgage we were refinancing on our vacation home. We take great pride in our efforts to maintain a strong credit rating. Wells Fargo representatives rate from bad to worse, beginning with the loan mortgage consultant XXXX XXXX ( NMLSR ID XXXX ) continued with loan servicing agents XXXX XXXX and XXXX XXXX, through to closing attorney firm XXXX XXXX, XXXX. XXXX XXXX. 

Despite the poor service throughout, we held committed to closing this refinance loan. The last straws were the failure to deliver promised promotional gift card ( {$300.00} ) and more importantly Wells Fargo 's failure to provide reconciliation of misappropriated escrow funds in the amount of {$1700.00}. These two outstanding items represent the damages we seek resolution to.

My last attempt to resolve this was an email to Wells Fargo ( WF ) personnel including XXXX XXXX ( WF ), XXXX XXXX, XXXX, XXXX XXXX ( WF ), XXXX XXXX ( WF ), XXXX XXXX ( WF ), and XXXX XXXX ( WF ). The email was sent XXXX EST on Saturday XX/XX/2021 and as of this writing on Monday XX/XX/2021 at XXXX EST, we have received no response or acknowledgement to our request. 

Contacts we have reached out to in attempt for resolution : XXXX XXXX : T : ( XXXX ) XXXX XXXX : XXXX XXXX XXXX : XXXX : XXXX XXXX XXXX XXXX : XXXX : XXXX XXXX XXXX : XXXX : XXXX XXXX XXXX XXXX : XXXX : XXXX XXXX XXXX : XXXX : XXXX XXXX
Consumer complaint received 2022-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

An unauthorized account was opened in my name, maybe close to six years ago. XXXX  XXXX bank originally opened up said account, which was unauthorized and unknown to me. 

However, this alleged account started appearing on my credit report, which I submitted written correspondence to both XXXX XXXX bank and all three credit bureaus. 

I was always told this account would be investigated and I would be updated, however, the credit bureaus would only continue to send template correspondence letters stating that XXXX XXXX bank verified such account, XXXX XXXX bank would continue to say they were still conducting their investigation, which was a contradiction to what the credit bureaus were telling me. 

However, XXXX XXXX bank actually sold this alledged account to a nationwide debt buyer Portfolio Recovery Associates, LLC, and never sent me any information regarding this alleged account. Shortly thereafter, I started receiving correspondence from the above-mentioned debt buyer, however, they never sent me any documentation which links me directly to the alleged account, nor did XXXX XXXX bank. 

Portfolio Recovery Associates, LLC has continued to violate my rights under the Fair Debt Collection Practice Act and Capital violated my rights under the Fair Credit Reporting Act well before they sold such alleged debt. 

How XXXX XXXX bank breached and compromised my personal information is still unclear, however, my personal information was breached and compromised and XXXX XXXX bank never took responsibility to correct the issue, they just simply off-loaded the account to a national debt buyer. 

Whereas Portfolio Recovery Associates has continued to violate my rights even further. By not producing any evidence and or feedback regarding such account. There's no such evidence that legitimately links me to this fraudulent debt.

My question ( s ) to Portfolio Recovery Associates, among others : How was this debt originated? Who authenticated and validated this alleged account for its accuracy before it was sold to your agency? How did Portfolio Recovery verify the debt was accurate before they purchased the debt? Were 's the purchase agreement and bill of sale that was signed as a condition of purchasing the debt from XXXX XXXX Bank? What ommissions were made, as a condition of Portfolio Recovery purchasing such debt? All of the above questions are just a short list of questions that will be further examined and explored if we need to proceed to any court proceedings. 

This account was an account that was opened in my name and without my consent, the address used was an address that belonged to my deceased mother, that's what I discovered over the years. It's still unclear how my data was breached! 

This fraudulent account must be removed from all credit reporting bureaus, this is the only remedy I am seeking.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (MN)

XXXX has not been updating my account. They are reporting my credit score at XXXX Compared with XXXX XXXX at XXXX and XXXX XXXX they are way behind on updating info. 

The loan balance from XXXX XXXX XXXX XXXX has not been updated since XX/XX/2023 and the balance has dropped by {$2800.00} and has never been updated to reflect that. The current balance owed is {$3500.00} The loan balance from XXXX XXXX XXXX XXXX XXXX has dropped by {$4300.00} on XX/XX/2023 and has never been updated to reflect that. 

" On XX/XX/2023, your XXXX XXXX XXXX XXXX student loan account balance decreased by {$4300.00} from {$8900.00} to {$4500.00}. '' Here are the following accounts that have been disputed and removed by XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Removed from report on XX/XX/2023 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Removed from report on XX/XX/2023 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Removed from report on XXXX XXXX XXXX XXXX They also have some personal info that is not correct as well. They have a FORMERLY KNOWN AS name of XXXX which is not me. 

XXXX dropped my credit score by XXXX points for absolutely no reason. No other reporting agency has ever done that. 

There are also some of the same discrepancies in the XXXX report. I am attaching all related info and notices of removal from the report or updated info. 

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Thank you for your help.
Consumer complaint received 2021-10-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

We voluntarily surrendered our automobile to our bank, USAA. They picked the vehicle up and stated it would sell the vehicle at auction and we would be responsible for the deficiency. At the time we owed approximately {$14000.00} on our XXXX XXXX XXXX. 
On XXXX XXXX I was contacted by XXXX XXXX from XXXX XXXX XXXX on behalf of USAA . He stated I owed {$16000.00} for the deficiency on the XXXX. I asked what the vehicle sold at auction for because this amount is significantly more than I owed on the vehicle at time of surrender. 
XXXX said he does not show the vehicle was sold, I just owe the balance! I asked for clarification and confirmation that the vehicle was taken to an auto auction to be sold as I was told would happen. He said he could not provide any information, other than that I owed money over the phone. He said I would need to submit a request in writting for information on the vehicle and sale. 
I submitted a written request via email as i was instructed to XXXX, I requested an amortization schedule from loan origination to charge off.The original terms of the contract per the TILA, Payoff and Balance at time of the sale, amount the vehicle was sold at auction for, the name of the auto auction that the vehicle was taken to, the name of the repossession company and a case be opened for my complaint also that they provide me with a case number and Point of Contact to get this resolved.. 
All train did not respond to me so submitted a follow up email on XX/XX/XXXX. I still was not responded to and submitted a 2nd follow up ( 3rd attempt to contact ) on XX/XX/XXXX. 
I have not received any notification that they have resolved, corrected or investigated this. However the charge off and balance still shows on my credit report. 
It is my belief that either the repossession company or an employee at XXXX/USAA took possession of the {$100000.00} car and charge the balance off against me. 
I need help to get his resolved. 
I am a XXXX XXXX XXXX Veteran and XXXX  struggling to keep my business open post COVID and this is impacting my ability to get credit and assistance. 
Please help.
Consumer complaint received 2023-08-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Experian Information Solutions Inc. (TX)

I would like to complain XXXX XXXX XXXX about : +++ Charging excessive interest rates and fees, +++ Engaging in unfair debt collection practices, +++ Misrepresenting the terms of loans to consumers with low credit scores, and +++ Failing to disclose important information about loans and fees, I paid XXXX for payments on XXXX aldredy and after XXXX they send me another bill XXXX, I think that payment I just make it, maybe letter send late, that why I did not paid more, from XXXX until XXXX, I did not see any bill about payment, I dont remember, because I am very busy for selling house moving to Texas, with XXXX kid, The day XX/XX/XXXX at XXXX XXXX., they took my car, and did not tell me Anything, I still have lot thing on my car, and alot paper very important for my kid go school, when I bought the cars, the XXXX only XXXX with high interest they give us, and fee, total XXXX , that not fair and too much for my interest and fee, anything they want to take my card, at least let me know, I can remove all my stuck in there, I have loan car with them after I down XXXX, and couple month paid, and they took my car, that enough money aldredy, they can not take everything on my car, paper, money in the car, they should be take car only if I dont paid.
Consumer complaint received 2021-03-17
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. (PA)

This account is not mine. They have been billing me and I continue to pay because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I stayed at the resort once but only paid for the time I was there. I did not purchase anything from them. I have disputed this with the credit bureau but had no resolutions. I realized XXXX took my information and fraudulently used it without my permission to process transactions and open an account without my knowledge. This is a scam & I demand this to be thoroughly investigated promptly. This inaccurate account is being reported in my credit records and is hurting my financial stability. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but Ive had no responses. Ive sent out requests to Equifax and XXXX  and to the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed this fraud account that is being reported on my credit report to TransUnion account XXXX XXXX for an amount of {$160.00}. I also provided a police report and a Federal Trade Commission Identity theft report showing that this account is fraud and does not belongs to me. TransUnion performed their investigation, and responded back to me stating that my ( MAILING ADDRESS IS INCORRECT ) ; yet they mailed me the notification to my address and ignored the issue that fraud is being reported on my credit file. 

TransUnion ignored my notification that this account being reported on my credit file is fraud, and the copy of the police reports and Federal Trade Commission Identity theft report.