davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-22
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. (IL)

I have previously disputed with transunion, XXXX  and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2021-12-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (PA)

On XX/XX/XXXX I received a letter from my local tax authority that my taxes were not paid, I contact my mortgage servicer, Cross Country Mortgage, to make them aware of the issue, and it was my understanding that Taxes were to be paid from the $ XXXX I paid in total to close on the home I recently bought, come to find out it was not paid! Seems the pos the taxes for next year vs paying on the current tax. XX/XX/XXXX I called XXXX and sent their department an email to address this manner ASAP! As of today XX/XX/XXXX the last due date for the taxes to be paid even while being promised it would be paid by today, it still hasnt been paid and the customer service team at XXXX is being short and rude on a mistake they caused!!!! The tax authority could as of XX/XX/XXXX start proceedings to put a lien on the home and force a tax sale which XXXX doesnt seem to care about, as they told me they would take care of this but now theyre saying to call back next week when I was suppose to been contacted on XX/XX/XXXX according to an email received by their escalations team. Im a widower raising 5 children by myself and dont need for my kids to lose their home to their negligence, and their slow to act ways, on top of being short and rude over the phone and not giving direct answers to direct questions!
Consumer complaint received 2015-07-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Management Outsourcing, Inc. (GA)

I dispute all those bills because I 'm under XXXX XXXX ASSISTANCE PLAN CODE XXXX. 
PLEASE REMOVE MY NAME FROM COLLECTION AGENCIES. THANKS! 

XXXX XXXX.
Consumer complaint received 2018-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have a free-fee checking account with Bank of America (  BOA ) since XX/XX/2012. Basically, I don't need to pay the maintenance fee for this account even if the fund is lower than {$1500.00}. And in past years, I didn't receive any maintenance fee charge for this account.But when I checked my statement yesterday, I found I had been charged {$12.00} maintenance fee since XXXX, and had been charged 5 times, {$60.00} in total. 
So I called the customer service to figure out what happened. Then the agent told me, in XXXX, BOA converted the free checking account to e-bank, and customers would be charged for {$12.00} maintenence fee if the fund was lower than {$1500.00}. I asked when the notice sent out to the customers because I didn't receive any notice of this change ( I confirmed this by checking through my email inbox ). Then I was told the policy change was printed in the statement in XXXX. 
This is totally reckless and arbitrary. If the bank wants to do the change, which will potentially damage customers benefits, it should notify customers in a more direct and transparent way. It's hard for me to find the information on the long and wordy statement, especially given the fact that the account is used heavily.
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

This is a company of fraudsters and thieves. I've gotten several loans with this company for vehicles from our business. The car is in my name and our company name. I pay this loan months in advance. Our monthly payment should be {$210.00}. When I pay I pay XXXX months in advance. On XX/XX/2021 my balance was {$1400.00}. I paid {$900.00} on that date. XXXX XXXX sent to my credit report that my account was delinquent. They need to update this ASAP. Because that information is wrong. Not only that. I also paid off the balance of this loan which was {$440.00} on XX/XX/2021. XXXX needs to update my file ASAP and take the delinquency off my credit report. I called into XXXX several times and all they do is put me on hold and then hang up on me. This is not a way to do business. This is shark fraud business. Preying on consumers. This company needs to update my information ASAP.
Consumer complaint received 2022-09-13
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/2020 Balance : {$0.00}
Consumer complaint received 2023-07-10
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 — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (CA)

In XX/XX/XXXX, my account was the victim of {$2000.00} fraud. American Express acknowledged it was fraud and eventually refunded the full amount in XX/XX/XXXX. However, a " late payment '' still shows up on my credit report from XX/XX/XXXX for the initial fraud amount that I never should have owed. 
Also in XX/XX/XXXX, per a discussion I had with American Express customer service on XX/XX/XXXX, American Express experienced a system error that triggered a fraud credit reversal, resulting in a fresh balance on this account of {$69.00}. 
This account has been closed since XX/XX/XXXX. 
As we speak, this {$69.00} balance has accrued an additional {$30.00} interest and continues to damage my credit score, which has dropped over XXXX points since this fraud occurred almost 1 year ago. I have been on the phone for hours with customer service, multiple times a month, every month since XX/XX/XXXX, trying to resolve this issue once and for all. 
Each time, I'm told it's been escalated to their back office team who will investigate and get back to me once they've figured out the issue. I have never received a single call, email, or letter with updates on my case. This is an issue that has been ongoing since XX/XX/XXXX and needs to be resolved. It is completely an error of American Express and their customer service continuously passes me from one agent to another, promising investigations and updates without ever bearing responsibility or fixing the issue.
Consumer complaint received 2018-08-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (TX)

Portfolio # : XXXX MCM Account # : XXXX Document Types : chrgoff I sent a debt validation letter to XXXX XXXX on an account that was erroneous in nature. I have disputed this with all 3 credit bureaus. XXXX XXXX simply sent me a bill as validation of a debt. As the FCRA state clearly and case law validates, any company seeking to collect on an account must establish that the account is accurate and true in nature. A bill can not verify an account. They are refusing to remove this account from all three credit reporting bureaus in violation of the FCRA.
Consumer complaint received 2018-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (IL)

On XXXX XXXX I disputed with XXXX about a company called XXXX XXXX. Theyre still trying to put a collection on my report. 

Ive found out today that the creditor was XXXX. Ive called XXXX XXXX and they told me they have no knowledge of this report and that they also have no knowledge of my account. I havent been a customer to XXXX in over 2 years because of one of their employees using my social security number. This was on the file of my credit report. I canceled services with them immediately and was told all I had to do was pay the last balance which I did in XXXX of XXXX. 

Since then now Im having to deal with a collection agency for a bill that is not mine and do not owe and with fraud with XXXX Im absolutely reluctant and with them not even being able to tell me anything makes me even more hesitant other than the fact that they have no files or anything about me in their system since I last had services with them. My advice is dont ever use XXXX again.
Consumer complaint received 2018-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

I made a series of payments in the {$250.00} range and PNC bundled them together when they posted, making it impossible for me to accurately reconcile my account and track my payments. I filed a CFPB report on XX/XX/2018, and the company responded on XX/XX/18 by providing me WITH THE EXACT SAME DATA that I already possess -- the data that I am attempting to clarify. My issue is not resolved.
Consumer complaint received 2022-09-13
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: EQUIFAX, INC. (IL)

XXXX of 2019 I realized that I was a victim of identity theft and fraud. I started writing dispute letters, calling the creditors and also the credit bureaus. Majority of the items were removed. XXXX has XXXX XXXX on my credit after being removed by XXXX and Equifax. I have submitted affidavits and police report, and also a FTC report, I called and spoke with someone and he said he wont remove it and when I stated I was going to file a complaint he stated he didnt care. 
Equifax is still hold XXXXXXXX XXXX  XXXX XXXX and that too is fraud. Other than these items I have great credit thats how they know they arent mine.
Consumer complaint received 2022-09-02
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)

15usc1681b no permission to place on consumer report.

Privacy law broken according to the privacy Act of 1974 which protects personal info held by federal gov't preventing unauthorized disclosures of such info. Consumers have the right to review such info, request corrections, and be informed of any disclosures. 
Each violation is {$1000.00} per violation Late fees should not be reported according to 15usc1666b timing of payments 15usc1681 ( 2 ) a ( i ) is a transaction report, and transactions are excluded from the report. 
XXXX XXXX XXXX XXXX Bank XXXX XXXXXXXX XXXX XXXX XXXX chargeoff account ... Business tax deduction, worthless, uncollectible debt, needs a 1099c..balance should say {$0.00} since it is already paid by the IRS. 
XXXX XXXX XXXX XXXX also a charged off debt that needs to be removed off of the account or reflect a {$0.00} balance, which is uncollectible, worthless debt, business tax deduction, need a 1099c
Consumer complaint received 2022-09-13
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. (MO)

The Credit Bureaus have done nothing to correct the erroneous information reporting on my Credit Report! I previously sent a dispute letter addressed to the Credit Bureaus on XX/XX/XXXX requesting to correct the accounts and information being presented on my Credit report but it is clear that the Credit Bureaus have ignored my written request. I am now submitting this CFPB complaint to request the Credit Bureaus that they remove the disputed items completely from my Credit Report since they are unable to verify the authenticity of the items in dispute. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/2017 Balance : {$6400.00}
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$16000.00}
Consumer complaint received 2022-09-13
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. (VA)

XX/XX/XXXX XXXX XXXX - I did not authorize this inquiry. Please remove. 
XX/XX/XXXX XXXX XXXX - I did not authorize this inquiry. Please remove. 
XX/XX/XXXX XXXX - I did not authorize this inquiry. Please remove. 
XX/XX/XXXX Equifax Mortgage - I did not authorize this inquiry. Please remove. 
XX/XX/XXXX XXXX XXXX  - I did not authorize this inquiry. Please remove. 
XX/XX/XXXX Equifax Mortgage - XXXX did not authorize this inquiry. Please remove.
Consumer complaint received 2022-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (OH)

On numerous occasions I have called and written to XXXX XXXX starting in XXXX when I received the first incorrect billing statement for {$180.00}. I called to notify them that I had returned the equipment for my internet use. I returned the equipment to a dropbox location in XXXX, OK in XX/XX/2021 to a very overflowing box. After receiving the first incorrect bill, I had called XXXX and they told me to not pay the bill it can take a few cycles for billing to catch up because they were behind at their equipment intake center. I called in XXXX again about the bill. Then in XXXX, as noted in the emails attached I inquired about receiving my correct bill. I only every received 1 telephone call from the emails sent stating that their intake department was behind and that I can expect a correct bill in the mail next month. I never received the correct billing. I was still charged for the router on my statement even after multiple phone calls and emails. This was wrongly sent to collections when at all time I was willing to pay the correct bill. XXXX XXXX failed to respond to my written emails that would have accurately documented my requests and attempts at resolution. XXXX XXXX ignored my multiple requests for billing. This is sad because at all times I relied on their communication to me to just wait and be patient.
Consumer complaint received 2017-04-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (TN)

I have been w ith Simple  Bank for a long time and all of a sudden I ca n't access any of my funds. They tell me that they need my social security card, bank account, papers for external account, etc when I have been with them for months and I had to call them 5 times and every time they told me the same story. Do not use this bank they are unprofessional! They froze my bank account without giving me any kind of notice, even when I told them I had to buy my medication and pay my rent they still did n't care.
Consumer complaint received 2017-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TimeMark Solutions, Inc (WA)

On  XXXX   XXXX    XXXX   I did a search for a  XXXX  phone number and selected  XXXX  and dialed  XXXX . I was connected to a representative who introduced himself as  XXXX  and asked if I was calling about my  XXXX  loans. Throughout the call he miss represented himself as a  XXXX  associate. He had access to my student loan information and recommended that I consolidated my loans to get  XXXX  low payment. He then transferred the call to another person by stating that the consolidation is handled by a third party company called  Timemark Solutions.  I unknowingly agreed to the terms because I thought  XXXX  was a   XXXX    representative and that  Timemark Solutions  was affiliated with  XXXX .   I discovered several days later that  XXXX  was actually working for  Timemark Solutions  and was lieing to me the whole time. I called Timemark Solutions to cancel the service and explained to them what happened and why I signed up. They simply said that they already submitted the request for payment in the amount of { XXXX } and their was no refund. They further revealed the terms of the agreement was for a total of { XXXX } and that non of that money would go towards my loans. I told them I was told nothing about being charged { XXXX } for something I could have done for free.
Consumer complaint received 2017-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

This started with an email offering me a work from home job and they would supply the computer, printer and the software required. This person started sending me e-checks starting on XX/XX/XXXX. I was instructed to deposit these into my checking via scanning checks into my account. I was then instructed to wire different amounts to individuals who were " setting up the computer, purchasing software, etc ''. I received 5 electronic checks over the course of 6 days again depositing them into my checking. I saw that my bank did n't process them overnight so I was transferring money from my savings account into my checking so that my wire transfers would not cause an overdraft. I first called my bank on Wednesday, XX/XX/XXXX asking why the delay in cashing the checks I deposited and was told they have up to 5 days to process them. On Friday XX/XX/XXXXI called the bank again and they finally told me that the checks that I deposited were counterfeit. By then my savings was empty and so was my checking account. The bank never called me and I got a letter in the mail about one check being rejected and then on Monday XX/XX/XXXX I got a letter about another check being rejected. This was too late. I am broke. I went to the bank on XX/XX/XXXX and they said there is nothing they can do. I feel like the bank should have called me as soon as they noticed anything out of the norm with these checks.
Consumer complaint received 2017-02-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: SECURITY NATIONAL TITLE AND ESCROW, LLC (FL)

I went to closing for the selling of my house to   XXXX   XXXX   and his wife,  XXXX , on  XX/XX/XXXX , at Security National Title & Escrow, LLC.
They owed me {$4100.00} from their rental time of this house. I refused to close unless I received this sum first. He was not present.  XXXX  represented him by POA. She vehemently agreed that they owed this sum.
She received a text showing that the wire had been sent to the title com company. The closer,   XXXX   XXXX  , verified everything and guaranteed to to me that her company would send this sum to me as soon as it was received.
Closing continued with signing of all papers, which included a statement : "   XXXX   property tax reimbursement from buyer to seller will be handled outside of transaction. '' This is the sum of {$4100.00}. I called   XXXX   XXXX  , Title company employee, the next day, and she told me that this money would be transferred to me as soon as it was received. Two days later,   XXXX   XXXX  , another title company employee, told me that they had returned the money to the buyer, and stuttered. Later he said that they could not send money that was not on the Closing Disclosure. He himself had already added this sum to the second Closing Disclosure the Friday before closing. At closing, I was told that RP funding had requested this sum not be on the CD and that it would be paid directly to me. Ok, now no one is paying this sum nor answering my calls. This seems like an act of collusion and fraud. Also, Like magic, I am told that the actual closer no longer works at SN Title as of the day after the money apparently was sent back to the buyer. The whole deal smells very badly as before closing, both RP funding, and A rep of the SN Title said that the buyer should not owe that to me. I told them that normal does not matter. The  XXXX  and I agreed to their paying me that sum as part of their renting my house.
Please help honesty prevail.