davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AmeriHome Mortgage Company, LLC (TX)

Ive submitted an appeal over a month ago and still havent heard back from Amerihome.

Its been over 6 months and Amerihome is still giving me the run around without justification for their denial. The only feedback they give is to let my mortgage be behind/ late 3-6 months before they will consider offering a flex loan modification.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit reporting act, This creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I have a problem with Experian and the other credit bureaus. They are not updating my current credit information for XXXX. I called and asked them to check with my XXXX XXXX XXXX and Nordstroms account which they have marked as late. They were not late and I have the statements and are both paid off. I have the statements to prove it. 

I also have a car loan with XXXX  and other credit cards which have not been updated with the correct amount owed in XXXX.
Consumer complaint received 2023-05-09
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXXXXXX XXXX XXXX XXXX. Please remove.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-08-29
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: EQUIFAX, INC. (NY)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. The accounts XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX are still showing late payments on my report. I'm hoping that these disputed accounts get corrected as well.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

XXXX denying the existence of my request to enter forebearance during the forebearance window. 

XXXX unable to provide statistical proof that they have a 100 % success rating with the health of their forebearance process and that there's absolutely 0 % chance that their system could have an error.
Consumer complaint received 2023-12-20
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. (NV)

PER FCRA AS A FEDERAL PROTECTED CONSUMER I OPTING OUT OF ANY AND ALL AUTHORIZATIONS I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL AND NONVERBAL PER 15 USC 6802 WHICH IS EFFECTIVE IMMEDIATE AND INDEFINITELY The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

please delete the following accounts and inquiries listed below 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 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 XXXX
Consumer complaint received 2023-03-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Card Receivables Fund Incorporated (CA)

A process server from sheriff 's department came to my house and handed me wage garnishment documents asking to garnish wages of my employee. My company ( that I own, registered, and dissolved years ago ) is listed as the employer being ordered to garnish wages to myself as the employee. 

I have no knowledge of this debt nor did it make sense to be asking my dissolved company to garnish wages from myself. I have never received nor heard of Unifund until receiving this letter. This isn't even showing up in my credit report. 

I contacted the lawyer representing Unifund ( XXXX XXXX ) and the account representative was not able to locate the amount in question nor did it show there is a wage garnishment in process. The only thing they can see is a debt I had settled years ago where account balance is {$0.00} and is ilisted in good standing with XXXX XXXX when I closed it.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
Consumer complaint received 2024-04-26
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: EQUIFAX, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX 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 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
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (HI)

I opened a checking account over 1 year ago with KeyBank back in XXXX. They had a promo where Id get a bonus of {$100.00} if I met some requirements. I have met the requirements and received the {$100.00} bonus. However, they sent me a XXXX form for {$300.00} instead of the {$100.00} I received for the bonus. I contacted them and asked them to amend the XXXX form as the amount was incorrect. My first contact was on XX/XX/2023. I was told that they would amend the form and it should be available on their website in a couple of days. A few days went by and no form was loaded. In XXXX I contacted them again and this time was told they had to send the amended form by mail. Due to the tax deadline, I had to submitted my tax return in good faith that they were sending me the amended form. However, I still have not received the form. I contacted them again yesterday and this time they are telling me that because I also received a t-shirt as part of the bonus promotion, they are valuing the t-shirt at {$200.00}!!! I was never told that when I opened the account. I even checked my documents. I was also never even given a chance to pick a size for the T-shirt! I was sent a XL shirt with a KeyBank logo! They cant make up value like that and overvalue this at {$200.00}! A t-shirt I can not even wear! Are they crazy?! I believe this is misleading and tax fraud and Id like to either receive the {$200.00} bonus or receive an amended XXXX form as it was promised to me twice before they decided to make up this excuse. Id like to also receive a {$50.00} compensation for the time I had to take to follow up on their mistake. All my contacts were via online chat and I have the prints of all the conversations where I was told multiple times that I would receive an amended XXXX form. I am very disappointed at this bank, their lies and bad customer service!
Consumer complaint received 2024-01-05
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. (TN)

I have repeatedly notified you about inaccuracies in my credit report, which persist in violation of Metro2 standards. Despite previous alerts, these errors remain, detrimentally impacting my credit profile. I insist on immediate corrective action to rectify these inaccuracies to prevent any further damage and to comply with the Fair Credit Reporting Act ( FCRA ). Failure to address this issue promptly may result in legal recourse, including arbitration. Your urgent attention to this matter is essential.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am so disappointed with my report, since I have been working with this incorrect information on my report for how many months now, I never received any response from my dispute. This account CAPITAL ONE AUTO with the account number XXXX is reporting 100 % incorrect. This account is always paid on time and was never late it should not be reporting as negative on my credit report. This oversight is unacceptable, especially considering the detailed letters I have previously sent outlining the errors. It is disheartening to find that my concerns have not been addressed in a fair and timely manner. They are reporting late payment but I was never late paying for any of my account. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA. If you are unable to provide the requested information and validation, I insist on the immediate correction or removal of these unverifiable information on my report.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (TX)

For over the past many years. I Have been going by the book on hoe to go about ID-Theft/Data Breach, I am Now to a point where something needs to give, because now my XXXX XXXX XXXX daughter name is now coming to me in the mail ( NOT FAIR ), the first of the data breach letters. I want instant justification. I been looking sue Someone /Companies, I have done IDtheft.gov., I have made police reports. I am even willing to go in as my own lawyer as I do understand what is at hand here. I AM Unable to get anywhere or ahead or even get my business going due to all this credit report and false Information. It has now been 10 years dealing with this matter and on ways on how to come up in life.
Consumer complaint received 2024-05-24
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. (CA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: REGIONS FINANCIAL CORPORATION (SC)

To begin, Ive lived at my current address for nearly 8 years and have never experienced mail delivery delays with the U.S. Post Office. Each month, I mail payments to several companies and all have been received and posted timely. With the exception of Regions Bank. 

On XX/XX/year> my wife and I began receiving text messages from Regions Bank saying our Regions Bank XXXX card payment was past due. Initially we thought these texts were fraudulent since I had mailed a check to Regions on XX/XX/XXXX. The texts continued and I called Regions Bank on XX/XX/XXXX. 

The Regions Bank representative told me no payment had been received, so I agreed to let Regions Bank debit my XXXX XXXX checking account on XX/XX/XXXX to remedy the past due status. 

We began receiving texts again on XX/XX/XXXX saying our XXXX payment was past due. I promptly call Regions Bank again and their representative apologized saying Regions debit processing system was not working, the debit transaction I had authorized on XX/XX/XXXX did not go through. Unfortunately, no one from Regions Bank contacted me regarding this. I agreed to give Regions my XXXX XXXX routing and checking account numbers to facilitate the payment which, this time went through. 

The very next day, XX/XX/XXXX, Regions Bank finally processed my payment check from XX/XX/XXXX, some 42 days later. 

Frustrated by all this, on XXXX XXXX I mailed a check to Regions Bank to pay off this XXXX card. As of this writing, now 18 days and counting, Regions Bank has yet to process this payment. All the while interest continues to accrue on my balance.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc. (FL)

I am writing to demand that you cease and desist all reporting and collection activities regarding the account originally with XXXX XXXX  ( Account Number : XXXX ). This demand is based on the following violations of state and federal laws, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) :
Consumer complaint received 2023-09-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc. (TN)

I have been disputing a debt from XXXX XXXX represent by SCA collections now for over a year, I never received notice of debit or was giving the opportunity to dispute this debit. I have called XXXX XXXX and had my insurance provider XXXX XXXX XXXX XXXX reach out to because any charges would have been covered by my insurance, but no one has produced a bill or documents, showing I had or authorized treatment. I have made these request through dispute resolution through the credit bureaus and well as XXXX yet nothing has been done about the lack of compliance with federal law.
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

my name is XXXX XXXX XXXX. i been try to get access to my Wells fargo account Complete Advantage checking account is XXXX Money Market saving account is XXXX i have spoke with young lady on Wednesday XXXX, the Well fargo bank employee is from the enterprise complaint management office. she wasnt helpful, very unprofessional. 
Iam victim of a identity theft. 
Here are some of the miss spelling of my last name and also the wrong last name has it has you're under the credit reports also have appeared under different bank such as 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 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There is fraud committed on my account and Bank of America has failed to return the XXXX whose is also illegally taken out of my account by the same person they allowed to walk in and take {$2500.00} on my account Bank of America did reimburse me to XXXX but not the XXXX the total claim {$3000.00}
Consumer complaint received 2024-05-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (CO)

I had XXXX XXXX. When i moved away i paid and closed the account. I recently had my credit pulled and i saw a collection on my credit report from XXXX XXXX. It was years ago and it was paid. I can't believe i have a collection on my report and can't seem to get it removed but i refuse to pay it again for a service i paid and cancelled.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I've sent several letters to the credit bureaus asking them to update my current mailing address and to remove all outdated and or fraudulent mailing addresses from my consumer credit files. To date, they have refused to correct his information which has caused significant damage to my ability to maintain or obtain credit. I've also asked them to update my employment and remove my previous employer information from my credit file. As of this complaint they have not complied with the request to provide me with a 100 % accurate credit file as stated by the FCRA.
Consumer complaint received 2023-12-20
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. (OH)

Dispute of Fraudulent Loan Accounts Pursuant to 15 USC 1681i Credit Bureaus I am writing to formally dispute a fraudulent loan and credit cards accounts that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports. 
I have recently become aware of an account listed on my credit report that I believe is the result of identity theft
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

Hello, I hope someone could help me with the removal of these unfamiliar accounts that are being reported on my files. I have made some letters addressed to the credit bureaus and collections explaining my side. I would appreciate it if this will be resolved right away. 

Regards, XXXX
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

The total balance is {$5500.00}. I sent out a VALIDATION OF DEBT on XX/XX/XXXX23, a NOTICE OF FAULT / OPPORTUNITY TO CURE on XX/XX/XXXX, and a NOTICE OF DEFAULT / CERTIFICATE OF DISHONOR on XX/XX/XXXX23 along with an AFFIDAVIT OF TRUTH. I requested validation of the alleged debt made pursuant to the FDCPA laws, listed my terms in my documents, and they provided no proof that there is a valid debt owed. I received a notice from the company on XX/XX/XXXX23, which simply stated that they had conducted their own investigation and the debt was valid. The credit card company closed my account on XX/XX/XXXX2023.