davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-02
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: ATHAS CAPITAL GROUP, INC. (NY)

An appraisal was conducted and a copy of the original appraisal report was not properly turned over to us. We received a copy of the appraisal with black and white photos, when the appraiser submitted the report with color photos. Upon requesting the original copy ( with color photos ), upper management advised that color copies are for internal use only and would not provide any other reason for not providing the original copy with color photos, nor would elaborate on why they could not provide a copy with color photos. It was pointed out that an appraisal with color copies was provided in XX/XX/XXXX, so why couldn't a report with color photos be provided in XX/XX/XXXX ( these are two seperate appraisals ). Upper management refused to answer the question. If the law specifies that a copy must be provided to the home owner, shouldn't it be an exact copy of what the lender has, and in this case that is a copy with color photos.
Consumer complaint received 2019-10-02
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. (NY)

I have contacted XXXX to complain about excessive and illegitimate credit inquiries that were clearly not authorized on my credit report, I had spoken to a representative by the name of XXXX whom refused to transfer me to a supervisor and refuse to address to the unauthorized and frivolous inquiries by credit agencies for instance within one single month XXXX XXXX XXXX checked my credit four different times in one month. Other inquiries from XXXX XXXX are repetitive and unauthorized XXXX, XXXX and Equifax refuse to investigate this abusive process claiming they must remain for two years.
Consumer complaint received 2019-10-01
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. (PA)

I notified Equifax for the past year that a company by the XXXX for the amount of {$1000.00} as a " revolving credit card '' has been reporting a credit card that I have never had. The account has been disputed for several months, I have submitted a police report and a FTC affadavit. The account was removed and then was placed back on a " revolving FHA Mortgage ''. I've researched this company they don't even handling mortgages at all! So now I don't have a credit card that doesn't belong to me but a mortgage that does not exist. Even the Equifax rep stated that they don't know why it was a able to change from a " credit card '' to a " mortgage '' yet still when the investigation was completed in less than 30days with  no documentation they stated that the account was verified and accurate. Equifax rep stated they do not get written documentation but simply an email. Meaning anybody can report anything and that their investigations are basically non-existent. My information was breeched during their XX/XX/XXXX breach. I also notified Equifax that I was having issues obtaining my credit file and many companies were pulling a different credit profile with similar identifying characters but with a different social security number. I was advised by an Equifax representative that the file containing a different social security number had been deleted but when I recently applied for a loan the file came up on the banks server and we had to try several different ways to pull my correct credit profile from Equifax. This company has not been helpful at all. I don't understand how they can continue to report accounts that don't belong to me and allow the credit to change the type of account as they please. The account was disputed 57 times between XX/XX/XXXX and XX/XX/XXXX as a " revolving credit card ''. After that it was removed and placed back on XX/XX/XXXX as a " revolving mortgage ''.
Consumer complaint received 2019-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019, I paid off the entire balance of {$22000.00} owing on my zero interest Bank of America credit card. The zero interest offer was set to end XX/XX/2019. I paid the credit card on time each and every month during the zero interest offer. On XX/XX/2019, the day after paying off the entire balance, Bank of America unilaterally closed my credit card account. I believe this was done in response to my paying off the entire balance thereby depriving Bank of America of the high interest payments due to commence in XX/XX/XXXX. Instead of serving to repair my credit by making this payment, Bank of America has harmed my credit by cancelling my account for specious reasons. My credit score is good and I have always paid this credit card on time. I have never defaulted on any debt in my 34 years of credit history and earn {$190000.00} per year. Credit utilization and amount were cited as the reason why my card was cancelled, yet these factors have remained the same over the course of the last year. The only difference is I paid Bank of America every dime it was owed prior to the lapse of the zero interest offer. I believe this is a fraudulent pattern and practice of Bank of America -- to close zero interest accounts that are paid in full just prior to excessively high interest rates kicking in after the expiration of the introductory offer.
Consumer complaint received 2019-10-01
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: EQUIFAX, INC. (OH)

XXXX XXXX did 2 hard credit checks on me XX/XX/XXXX and XX/XX/XXXX without my permission. I thought that was against the law
Consumer complaint received 2017-04-26
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. (MO)

Back in  XXXX     2016  I found an incorrect account being reported on my  XXXX  and equifax reports by  XXXX  and filed a dispute of this account through   XXXX   XXXX   on  XXXX   XXXX     2016  it was removed by both  XXXX  and equifax on  XXXX   XXXX   2016 . Now the same information is being reported by  XXXX  on my equifax report stating the account was opened on  XXXX   XXXX   2016  and I tried to dispute this with equifax but they claim my personal information does n't match their files so I ca n't dispute it.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WI)

I have mailed Experian several times stating over and over again that I never had a previous address of  XXXX   XXXX   XXXX   XXXX  ' or whatever it was as listed on my Experian credit report. This is an address in  XXXX , GA.     The problem is, I have NEVER LIVED in  XXXX , GA. I did a quick Intelius search for myself  XXXX   XXXX   XXXX  and found ANOTHER  XXXX   XXXX  currently living in  XXXX   XXXX  GA.     For my personal listing, it DOES list  XXXX , GA along with  XXXX , WI  (  my actual residence ) as a 'residence, ' but this is because fo r 1.5 years I  worked for a company called  XXXX ,  XXXX   XXXX   XXXX   , G A, except I did it VIRTUALLY ( telecommuting ). When the company sent out my tax forms, they mistakenly sent it to my current address,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  GA ' and not,  XXXX   XXXX   XXXX  WI. ' This is the only explanation I can come up with for why the address is on there and also listed on Experian 's credit report for me.     I have asked them to remove other iterations of Atlanta-based addresses on my credit report, and they complied. It was basically different versions of the same thing  XXXX   XXXX   XXXX   XXXX , ' or something to that effect. I have NEVER LIVED in  XXXX , so I would like them to remove it now. I have already mailed them  tw  o lett ers about it and they have responded back with something like 'we use different bureaus and reporting methods to check accuracy. '  XXXX . They are using the address of an old employer 's tax forms and am sick and tired of their  XXXX  because upon looking online to other credit reporting forums, I see that others have tried to get their addresses removed from Experian as well and had no success.     Experian does n't seem to understand that creditors trust you based on how long you have lived at an address. I lived at my current address for 18 years (  XXXX  ), then went to college in  XXXX   XXXX  until   XXXX  , then moved back here to the same address I started with (  XXXX  Present  ). I do n't see how  XXXX  hard this is for them to get through their thick skulls. If they want to play these games the next step is I 'm suing them for violating the FCRA.
Consumer complaint received 2017-04-26
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. (TX)

XXXX   XXXX   XXXX     I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that I 'm late payment for the account that Credit reporting have listed on my report.
Consumer complaint received 2017-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

All three  Credit  agencies failed to respond appropriately to Attorney 's demand letter, ignoring the subject and disregarding the statute of the fair credit act.      XXXX  willfully disregarded the letter on 3 more occasions responding with generic letters attached herein.     In the process,  XXXX  sent 4 different credit reports on 4 occasions. It came to my attention that  XXXX  is willfully granting access to and business entity for no " permissible purpose ''.     The report  XXXX  sent me clearly cites credit inquiries totaling 13 that all state reason for inquiry as " Unspecified ''. I called   XXXX    and asked about this - they told me " Entities who have Certified to  XXXX  they have a " Permissible purpose '' can have my credit no need for anything in writing or for  XXXX  to verify my signature or consent.     Based on that premise, an entity upon making a request for my credit or any consumer credit can then certify - " No Specific Reason '' when asked why they want my credit. And according to  XXXX , no reason at all - this is " Permissible Purpose '' for  XXXX  to hand out my credit report and personal information on demand to anyone who pays them. On the occasion of my credit report  XXXX  mail to me,  XXXX  gave out my credit for " unspecified '' reasons on different  13  occasions.     None of these occasions supported or authorized by myself - the consumer. I would like to seek compensation for ever time   XXXX    has breached the act.
Consumer complaint received 2017-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

For some reas on Convergent has not sent me proof o f my obligation of this alleged debt as requested and continues to report this trade-line to the  XXXX  major credit bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed.     I disputed this account directly with Convergent on  XXXX   XXXX ,   XXXX  . To date, Convergent continues to ignore my requests and they continue to ignore my consumer rights.     I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted.     Who verified this account? What documents did they use to verify? Where are the documents used to verify?     The only correspondence that I received was a billing statement. This item does not qualify as verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention tha t Convergent know th ey can not tie me to this alleged account, otherwise, they would have done so when I made my initial request. Convergent is blatantly disregarding the law.
Consumer complaint received 2017-04-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I request debt validation fro m ARS   whe n I noticed it appeared on my credit reports. I never received any notification from this company, and it was showing up as a medical debt which should never be the case, because I have health insurance. I sent my initial request on   XXXX   XXXX   XXXX   They responded without providing debt validation. They provided not documentation with my signature or any paperwork showing that I agreed to this debt. I sent a follow-up notice on   XXXX   XXXX   XXXX     stating that this debt had not been properly validated and that I wanted it removed from all of my credit reports. They have not responded, nor has the collection been removed from my credit reports.
Consumer complaint received 2017-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

First ; On Sunday night,  XXXX   XXXX  at  XXXX   XXXX  as I was going to bed, I checked my bank account balance via text messaging it showed a positive balance of {$74.00}. On Monday  XXXX   XXXX  at  XXXX    XXXX  , I received an online banking ealert ( email ) telling me that my personal checking account balance is below a chosen alert limit = $ -  XXXX .     At  XXXX   XXXX , I noticed my bank account was now showing an overdraft of - {$50.00}. I quickly transferred {$100.00} into my checking account This cerated a positive balance in my account of + {$49.00}.     Then later that same day I made several more small deposits ( {$2.00}. and {$10.00} ) followed by one withdrawal of {$60.00}. This left a positive balance of {$1.0 0}, ( a gain this was on Monday afternoon  XXXX  ) I continued to monitor the account until approx.  XXXX    XXXX    that night and the balance remained at {$1.00}.     Then on  XXXX   XXXX , at  XXXX   XXXX  I received an email eleart notifying me that I was charged with  2 ( two ) overdraft fee charges of {$35.00} each ( {$70.00} ). The total amount of all the overdrafts was showing - {$100.00}, so I immediately deposited an aditional {$40.00} to clear any overdraft fees. ( - {$100.00} + {$40.00} = - {$68.00} ). So, if the fees ( {$70.00} ) were reversed I would have a positive balance of {$1.00}. I immediately called and asked for the fees to be reversed but was flat out denied. I told them I was unaware of any negative balances and when I was aware / notified I promptly covered the negative balances. ( less than 24 hours ).        Fraud was recently found on my debit card account and the card was temporary canceled. This may have caused some confusion on my part and inconvenience. As so, I was monitoring things closely.
I have been with BofA for 17 years. Due to these fees I am trying close my account but they say they can not close it with a negitive balance. Note : (   only their fees make it negative. )
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (NV)

I have requested for  XXXX  and  XXXX  to remove an account on my credit report that is inaccurate. I have stated that I do not owe Hunterwarfield {$1700.00} this company is committing false information on my credit report. Both   XXXX   and  XXXX  have removed Hunterwarfield on my credit report in estimated time  XXXX  of  XXXX . Now they have put this back on my credit report  XXXX   XXXX ,  XXXX  which this is damaging my credit report and NO ONE will rent to me even with a dispute on my credit report. I do not have any documents to back this information simply because I do not owe  Hunterwarfield  any kind of currency. I have sent both   XXXX   and  XXXX  a letter to remove this off my credit report  XXXX   XXXX ,  XXXX .
Consumer complaint received 2016-02-26
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (AZ)

I am a XXXX : banks like XXXX, XXXX XXXX XXXX, XXXX XXXX, AMEX, and XXXX claim to want or help small business like mine succeed with the needed credit or loans they need to create jobs and to help the health of the economy. I have applied to all the above banks and was turned down by every one of them despite their advertising and claims that they are here to help small businesses like mine. My personal credit was pulled without my consent and was used as a determining factor to deny credit to my business despite disclosures stating that use of my social security number was used for identification purposes only not for a credit bureau pull. The banking institutions listed have engaged in false advertising and bad business practices by using personal credit and requesting the use of social security numbers under false pretenses.
Consumer complaint received 2019-10-02
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: EQUIFAX, INC. (TX)

I have attempted to contact the following bureaus Equifax and XXXX  regarding unauthorized inquiries on my credit bureaus. They have been negligent in aiding my getting this corrected on my credit reports.
Consumer complaint received 2019-10-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (NY)

The company of Experian in my credit report has a one collection debt that I have paid already since two years. This is the only credit company bureau that has it in collection also they has in my credit a lot of information that it damage my credit. Right now, I am consolidating debt that is why appear that I don't pay but I do payments with the consolidation company and Experian is the only who damage my credit putting inside of my credit a lot of details that is damage my credit and it is unnecessary because they know I am consolidating debt.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

My husband died this year. I sent the attached letter to Equifax because I wanted a freeze on his credit and I wanted his credit report marked as deceased so it could never be used fraudulently. They told me to include 2 forms of id for me and my husband, so I included copies of our driver 's licenses and passports. I aslo included his death certificate. I called today because I had not heard from them. They told me that I had to send all the information again along with a power of attorney in order to get a reply from them. Like they don't keep a file of anything. This is ridiculous. We want to reduce credit fraud. It should be much easier to report a person 's death. The credit bureaus should accept a notice from the funeral parlors. If social security accepts a notice from the funeral parlor to stop payments, why can't credit bureaus have an easier process to prevent thieves from stealing a dead person 's identity. It is also ridiculous to require a power of attorney before informing a spouse that her deceased husband 's credit account is secure. This is an issue that should be addressed by the government. Protecting the deceased from identity theft should be an authomated process and should not require multiple communications with each credit bureau and lack of cooperation from the credit bureaus.
Consumer complaint received 2019-10-02
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: MIDCOUNTRY FINANCIAL CORP (IL)

Today XX/XX/XXXX a female named XXXX called my employer. She stated to my employer she was XXXX from heights finance and asked questions about me trying to collect a debt. On XX/XX/19 I revoked my voluntary wage assignment in writing. On XX/XX/19 I informed them I was filing bankruptcy and they could contact my attorney. I gave them all my attorney information at that time. My employer called me immediately after and was wondering what this call was about. I had to give my employer more personal information about my bankruptcy them I had planned too.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Medical-Commercial Audit Inc (MO)

On XX/XX/2019 I mailed a debt verification letter to XXXX and XXXX  asking them to please send me proof of how did they verify this debt that was put on my credit profile from from MCA MANGEMENT. I have yet to get anything from them. According to the FCRA they have 30 days to respond to my request with true and accurate information. They have yet to do this. This inaccurate information is hindering me from purchasing a home. I demand that they Delete the inaccurate information off of my account immediately. They have not proven to me how the account has been verified, validated and nor if this is even my account. 

I also sent a letter to MCA MANAGEMENT COMPANY asking them to validate the debt asking for specific information to be sent back to me and they have yet to do so.