davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-09-04
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. (FL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIRST NATIONAL BANK OF OMAHA (MA)

On XX/XX/17 my credit limit on my First Bankcard Visa was decreased by half ( from ~11k-5k  ). This was done without my knowledge and despite the fact that I have never missed a payment and haven't charged anything to the card since I opened it with a balance transfer. The decrease in credit limit led to me using 95 % of the available limit and drop in my credit score of FORTY FOUR points. When I called the company to ask for my limit to be increased they said they could not do so for four billing cycles. So as a result I must continue to deal with a significant drop in my credit despite the fact that I have not missed any payments or charged any substantial amount since first opening the card. After a brief XXXX search it is clear that this company, a division of First National Bank of Omaha, is not a friend of its customers. HIGHLY advise going with another, more reputable, company.
Consumer complaint received 2020-03-25
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. (FL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Authorized User ) - XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: AMERICAN EXPRESS COMPANY (FL)

We purchased a {$500.00} American Express Serve Prepaid card. I have included the image of the card as it was taken from it's packaging. As shown, the card front is defaced in a seemingly fraudulent way. The front facing account numbers have been covered or removed with an all white paint or remover. I can not use the card online without the 4 security numbers listed on the front. I can check the balance which is still there, however I can not use the card. 

I contacted Serve 9 times, escalated the call successfully 6 of those times and was told the following solutions. 

I was offered to have the card replaced for a {$20.00} dollar mailing fee or wait 10 days for the money I need to prepare for Covid19 Shelter in place. This is highly unusual for this esteemed company, I find the problem lies in the call center. No one will listen to the problem, they want to deflect. 

I was then told that I would not be able to have a card sent to me because it was not registered. I was advised by a supervisor to register my card which I had already explained, can not be registered without a security number ( that which is defaced on this card ). 

I was told that the vendor is responsible, however, the card came in. a sealed package from XXXX in XXXX. I am stuck without fund and ServeAmex has my fund and will not reissue a card. 

Please help me.
Consumer complaint received 2020-03-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TN)

Please investigate freedom mortgage. I have a mortgage that originated at XXXX and this company refuses to remove the MIP as I am now elligable at over 20 % equity and I meet all other requirements. The original loan number is XXXX XXXX / FILE NUMBER XXXX XXXX / MORTGAGE INS CASE NUMBER XXXX XXXX XXXX. Freedom mortgage is the refinance company and they have refused any assistance to make sure this MIP is removed in a timely manner. Freedom mortgage refinanced the amount of XXXX and they refuse to accept the original purchase amount of the home was XXXX. I meet ALL requirements and I have NEVER made a late payment in the history of this home purchase. 

This company has denied all attempts to have the MIP removed and they decline to acknowledge that I am eligible for the MIP removal. My current loan balance is XXXX and the original loan balance was XXXX. This company refuses to acknowledge that I presented ALL purchase documents to them upon the processing of the refinance with them which would very clearly show the original purchase amount and date of which they deny ever receiving. Given the math I need to verify that I am at XXXX LTV and there is no one to help me with this complaint of being ignored by this mortgage company. Please help me.
Consumer complaint received 2020-03-24
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. (AR)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and the to print me out a copy. There are items on my credit that need to be removed as soon as possible. These are fraudulent accounts.
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$70.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached the Explanation of Benefits for this account and it clearly shows the billed amount of {$70.00} with the cost share/copay amount of a {$0.00} balance. This account needs to report a {$0.00} balance due. This false reporting of a collection/charge-off is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-03-23
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. (SC)

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$70.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached the Explanation of Benefits for this account and it clearly shows the billed amount of {$70.00} with the cost share/copay amount of a {$0.00} balance. This account needs to report a {$0.00} balance due. This false reporting of a collection/charge-off is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-03-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX I sent a by certified mail an Affidavit of billing error dispute to Bank of America certified mail # XXXX XXXX XXXX XXXX XXXX requesting answers from questions enclosed in mentioned affidavit and said affidavit was not answered neither was it rebutted. 
On XX/XX/XXXX then sent a notice of adequate assurance of due performance via certified mail with number XXXX XXXX XXXX XXXX XXXX to the law firm who was acting in the capacity as a debt collector for Bank of america as also a copy was sent to bank of America and no question was answered. I found out that a law suit was filed against my name in XXXX county court house by said law firm. I was still receiving mail re debt even though I had unanswered questions from previous notices I had sent out. In XX/XX/XXXX I sent out a notice and demand to cease and desist collection activity via certified mail XXXX XXXX XXXX XXXX XXXX to Bank of America. sometime after my last correspondence with the institution I found out that the law suit was withdrawn without prejudice of which I manage to obtain a copy. On XX/XX/XXXX I sent a notice for request of confirmation via certified mail # XXXX XXXX XXXX XXXX XXXX then I sent a notice of breach of agreement via certified mail # XXXX. In XX/XX/XXXX have learnt that there is another law suit in the county court against the name. this was done via for Bank of america. Am looking to have this matter resolve and said institutions are not proving any assistance and i have found them to be in breach of several United states code. am requesting your assistance in settling this matter thank you.
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

Comenity bank added a {$39.00} late fee after my account was paid off. Did not notify me and then added another {$35.00} late fee because I didn't pay the original late fee. Called to dispute the late charges and was they hung up on me.
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. ()

I have been attempting to reach out to Chase Bank in order to modify my mortgage due to the covid -19 XXXX XXXX closures in Pennsylvania. I am attempting to get ahead of a potential crisis, while I have XXXX revenue being generated. 

XX/XX/XXXX - 1st call, waited 2 hours, call disconnected by Chase Bank. 
XX/XX/XXXX - 2nd call, waited 1hour 5 minutes, call disconnected by Chase Bank. 
XX/XX/XXXX - 3rd call, waited 2.5 hours, disconnected by Chase Bank. 
XX/XX/XXXX - 4th call, waited 57 minutes, disconnected by Chase Bank. 
XX/XX/XXXX - 5th call, waited 1 hour 7 minutes, call disconnected by Chase Bank. 
XX/XX/XXXX - 6th call, waited 2 hours, cal disconnected by Chase Bank. 
XX/XX/XXXX - submitted request for call back on Chase Bank Secure Messaging service. Detailed why I was reaching out and what I was hoping to achieve. 
XX/XX/XXXX - submitted 2nd request for call back on Chase Bank secure messaging service. 
XX/XX/XXXX - 7th call, waited for 1 hour and 19 minutes, call disconnected by Chase Bank.
Consumer complaint received 2024-10-20
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. (SC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-03-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (CA)

I have a mortgage with Suntrust Mortgage ... ... due to the recent bans on public gatherings, my business, a wedding photography business, will receive no income for 6 months. I have had to lay off employees and am struggling to pay all of our bills. 

Suntrust sent an email saying they are here for their clients. They touted donating millions of dollars to help with relief efforts through their social media page. 

When I called asking for a forbearance, here is their program : Skip 3 months of payments At the end of 3 months, you owe all of the money in a lump sum or they will start foreclosure proceedings report as a forbearance on your credit report THIS IS NOT IN LINE with the presidential directives for FHA mortgages, and despite this not being FHA, all other major companies are following suit. Suntrust is gouging their customers AND will use this as a tool to take their homes when this is all over.
Consumer complaint received 2024-10-20
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. (MD)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
I LOOKED AT MY EXPERIAN CREDIT REPORT ON XX/XX/year> AND NOTICED SOME THINGS ARE INCOMPLETE AND NOT ACCURATE. AND ACCORDING TO THE FAIR CREDIT REPORTING ACT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES ACCORDING TO 15 USC 1681 ( E ) ( B ).

AND ACCORDING TO 15 USC 1681S TH
EY ARE SUPPOSE TO DO THIS ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION.

( A ) IN GENERAL. IF, AFTER ANY REINVESTIGATION UNDER PARAGRAPH ( 1 ) OF ANY INFORMATION DISPUTED BY A CONSUMER, AN ITEM OF THE INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE CONSUMER REPORTING AGENCY SHALL ( I ) PROMPTLY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER, OR MODIFY THAT ITEM OF INFORMATION, AS APPROPRIATE, BASED ON THE RESULTS OF THE REINVESTIGATION ; AND ( II ) PROMPTLY NOTIFY THE FURNISHER OF THAT INFORMATION THAT THE ITEM HAS BEEN MODIFIED OR DELETED FROM THE FILE OF THE CONSUMER.

AND ACCORDING TO 15 USC 1681C-2 THEY ARE SUPPOSE TO 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 2024-09-04
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

I sent a check to Carrington Mortgage in XX/XX/2020 in the amount of {$360.00} ( ck # XXXX ) satisfying my XXXX payment. 

Next, I got a letter from Carrington Mortgage saying my account was in Foreclosure and demanded {$810.00} dollars for the account to be current. 

I promptly sent {$810.00} dollars with check # XXXX. Both Check # XXXX ( {$360.00} ) and Check # XXXX ( {$810.00} ) have cleared my bank. This puts me paying a total of {$1100.00} to pay a bill that was really only {$360.00}. 

However, the 3 credit bureaus have contacted me saying that my credit score has been lowered due to a report by Carrington Mortgage. 

I suspect the heart of the controversy and damage to me begins with the Carrington Mortgage Payment Processing Center. Perhaps the scheduled 2020 change in payment amounts due to the escrow shortage made the Payment processing center place my XXXX payment on some sort of hold? Has Carrington had some staffing problems with the Arizona processing site? 

Please investigate this matter and treat me fairly. As stated above I have paid a total {$1100.00} on a mere {$360.00} due but because of Carringtons actions, I now have a lowered credit score.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I don't think you understand how miserable it already is to live with so much stress, and these inaccuracies adding up to such stress is giving me the worst possible nightmares I have ever had in life. I don't know for how long this will continue considering for the past XXXX months, I have consistently reached out to your company about this matter and I haven't gotten any response.
Consumer complaint received 2020-03-21
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. (NC)

I previously filed a dispute with you and Equifax in regards to a XXXX   XXXX account account reporting as a charge off auto loan on my credit report ... Equifax responded saying they had corrected the error however my credit score dropped XXXX points and when I reviewed the account it showed the account status ad 120 days past due and 4 or more payments past due but in the description it showed XXXX balance how can it be 120 days past due and XXXX balance this does make any sense I have provided proof from XXXX XXXX that the account was paid in full I received the title for the vehicle in question please correct my credit report ASAP
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX