davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I sent you a Letter 2 months back because you are reporting some late payments that is NOT accurate and I asked you to update these payments to ON TIME PAID AS AGREED. You seem not to understand how serious this is because you have not fixed the issue for me. Please look at this letter as it is my SECOND time notifying you of some items that are incorrect. These are not accurate on my credit reports I have listed the account name and account number below along with the dates you are reporting late and those dates need to be paid to PAID AS AGREED. 

1st account : XXXX XXXX reported late XXXX ( Please note that the date of this late payment also has inaccurate dates. my Experian says it was a late payment in the month of XX/XX/2023 & my XXXX says it was reported late in the month of XX/XX/2023? 

2nd account : XXXX XXXX XXXX- REPORTED LATE XXXX XXXX XXXX
Consumer complaint received 2024-08-16
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. (TX)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My account with was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is XXXX XXXX XXXX and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2017-04-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST HAWAIIAN, INC. (VA)

This is a complaint against First Hawaiian Bank for its grossly incompetent management of its supposedly new and improved website. I 've been a customer since approximately 2003, and I have never had problems with my account as bad as I have in the last few months with the roll-out of the new site. 

Tonight, I spent one hour trying very hard to access my account online and then trying to transfer funds. Along the way, I made two phone calls to FHB Online where I spoke with a total of four representatives. Not one of them had even the slightest clue of how badly the site was performing. Specifically, every time I tried to perform ANY operation, the site automatically displayed an error message. When I tried to make an external transfer FHB Online stopped the attempted transaction and said it would send a code to my phone for verification. But FHB never called my phone -- even after an hour. The broken system did nearly the same thing when I tried to ( re ) add my XXXX account as an external account. FHB displayed a message that my XXXX account credentials were invalid. ( Yet these were the same credentials that I have been using on my XXXX account for years. So there was nothing wrong with my XXXX online ID, password, or pin. ) But far and away, the very worst issue was my truly sad experience with " XXXX '' in the Online Banking Department. ( She said it was bank policy to refuse to provide her last name or even an employee number. ) Despite the incredible amount of time XXXX and I spent on the phone with her asking me the same questions over-and-over again, she could not understand that the FHB site was not performing as she expected it to. For example, she insisted there would be a blue arrow in front of my name. After asking me about this three times, I refused to answer the same question anymore. I had enough with the FHB site and its employees who were deeply in the dark about the site 's issues. 

There is obviously something seriously wrong with the FHB website. It is not performing adequately. While I was on the phone with FHB, I had absolutely no problem accessing my XXXX and XXXX accounts. So the issue is not my connection -- and hopefully not even my XXXX browser. Clearly my access to funds through the site is blocked. But I am far more concerned with FHB 's employees ' inability to troubleshoot, assist, or even acknowledge something is wrong.
Consumer complaint received 2023-10-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BSI Financial Holdings, Inc. (CT)

In XXXX I was denied support, and was able to have family help me become current. But still didnt help my situation. I call XXXX at least once a week to get an update on my loss mitigation application. They have zero information about my application, or how long the process can take. All they say is that it could take up to XXXX business days. Today they told me that they are hiring new staff and some people left at they are back logged XXXX months. When I asked to speak to my direct point of contact she said the answer is still the same, I dont know why you call every day. They have no empathy for their customers and they dont care about their customers- they arent trying to help them. Previously, when I was late and I hadnt submitted this application they NEVER called. Never offered a remediation, never offered support, never tried to help- they sent a foreclosure notice.
Consumer complaint received 2023-10-24
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)

I Have reached out to all XXXX credit bureaus and they given me the run around I have sent in my FTC report, in months ago here are the accounts and inquires that need to be removed immediately. 

Account Name and Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-09
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. (NJ)

I am very concerned because my credit report is showing discrepancies. I am a very concerned consumer concerning these discrepancies as it is affecting my credit and overall quality of life.Please remove this information as you are in Violation.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (NY)

In accordance to credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also stated consumer reporting agency can not furnish an account without written instructions under 15 USC 1666 b a creditor maytreat a payment on a credit card account under and open and consumer credit path as late.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, LA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist Bank did not give me my new checking account promotion. 

I went into the bank with a promotion that provides {$400.00} for having XXXX direct deposits of XXXX dollars within 3 months of opening a checking account. I opened a new checking account with the bank on XX/XX/2023 at the Truist bank in XXXX XXXX XXXX XXXX XXXX  with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX confirmed with me that this promotion was valid for me and he will apply it to my new account. 

I noticed after I had completed the requirements of the promotion, I did not receive any promotional funds added to my account after 3 months in XXXX. I contacted the Truist Bank XXXX and they told me that the promotion was never added to my account when I opened it. 

I then contacted XXXX XXXX and he told me that he did apply the promotion, but there was a glitch in the system that caused the promotion to not be applied. He told me he will follow up with the XXXX department. I proceeded to contact him XXXX additional times of the course of the next 2 months. The first time he said they are still reviewing the matter. The second time he said they declined it and he then told me he will follow up with them. The third time he told me that they are still investigating it after the follow up.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (TX)

A background check was done from XXXX XXXXXXXX XXXX by First Advantage and my criminal history came back as a felony with misdemeanor in XXXX XXXX which is incorrect. I had a misdemeanor in XXXX  not a felony conviction. Also the felony with misdemeanor in XXXX is a pending charge and should be removed as no conviction and attorney is working on dismissal as wrongful arrest as was trying to report a crime. Please update this so I can get a job. Thank you.
Consumer complaint received 2023-10-24
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Mortgage Servicing Fraud WITH BACK DATED ASSIGNMENTS A relatively new term, but rapidly becoming standard, Mortgage Servicing Fraud refers to a variety of abusive servicing practices that may occur individually or collectively to a loan after it has closed. Mortgage servicers are usually a third-party company hired/contracted by the lender/note holder to perform the day-to-day tasks associated with collecting loan payments. Some of these practices include, but are not limited to : * Manipulating the accounting of loan to appear in default despite being current. 
* Refusing to accept properly tendered payments. 
* Charging fees for collection letters, inspections and BPOs. 
* Charging interest in excess of that actually owed. 
* Placing payments into suspense accounts without cause. 
Meanwhile Fabricating Assignments and Sponsoring ownership of a company in another Country These activities appear to be more commonly encountered by borrowers with equity in their property, regardless of their prime or sub-prime status. 

When it comes to mortgage servicing fraud, these wrongs are usually committed by third-party companies that hold neither title nor interest in the properties whose loans they service. Most commonly these days, servicers are employed by owners of XXXXXXXX XXXX Backed XXXX or XXXXXXXX XXXX. Mortgage Servicing Fraud stems from fairly boilerplate language used in the Pooling & Servicing Agreements that govern the relationship between the trust and the mortgage servicer. 
For instance, many Pooling & Servicing Agreements allow servicers to keep assumption fees, modification fees and basic late fees as what is known as " additional servicing compensation ''. Language such as this simply removes any incentive for a mortgage servicer to keep a borrower current in their monthly payments because to do so potentially cuts the servicer 's profit margin significantly. There are additional means for servicers to make additional profit in servicing securitized loans but this is the most basic means of profit after the relatively small monthly servicing fees that servicers contractually agree to as a rule. 
Even As I went on with my day, though, INITIALLY BANK OF AMERICA " BACWe were receiving reports that BAC ( BANKERS AUTOMATIC CLEARING SERVICES ) is sending out letters declaring that they are transferring loans from BAC of Bank of America, the parent company as of XXXX XXXX XXXX. name kept banging around in my head. I've learned, though on my own dealings with a now eight plus years battle against a fraudulent foreclosure initiated by then BANK OF AMERICA N.A.AS WELL AS n/k/a BOFA MERRILL LYNCH ASSET HOLDINGS INC , AND THE AGENT OF CT CORPORATION SELLING STOCKS AND BONDS that when something keeps flinging itself at the back of YOUR MIND it's usually looking for attention. Since XXXX unto this year at present XX/XX/XXXX.
Consumer complaint received 2018-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NJ)

I recently filed a complaint about this under complaint # XXXX. Ditech responded but gave you false calculations and you closed the case. 

I responded to their response. 

According to DiTech they paid taxes in the amount of {$1500.00}, {$1400.00}, {$1400.00} and {$1600.00}. The tax Bill shows {$6100.00} that would only be a shortage of {$94.00}. No dates of payment do not appear on my copy. 

Ditech paid homeowners in the amount of {$1000.00} The Premium is {$920.00} A difference of {$140.00} {$6100.00} + {$930.00} = {$7100.00}. DiTech shows a beginning balance of escrow as {$9400.00}. That is an overage in escrow of {$2300.00} in my favor. 

How is it possible that my payment went from {$1000.00} to {$1200.00}? 

Please also note records from a conversation with XXXX of DiTech who admits a mistake on Ditech 's part. If you look at the picture I sent you of DiTech 's Escrow eval you will see that added an extra tax payment of $ {$1600.00} ( E ). XXXX said that was a mistake right there among others. That there was an overpayment in Escrow and she couldn't fix it so she had to escalate it to the escrow analysis dept. Not only was there no response to the escalation, but fees are accruing and my credit is being damaged. 

Thank you for your time.
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I live in a building where there are code violations the was determined by the City of XXXX. The current board does not response to your request or calls when it comes to the repair of their portion of the repairs. They constantly place their responsibility off on the tenants. Most of the tenants are aware of this so we have held our assessment fees. Because we have have held our assessment fees the XXXX XXXX for the building have sued people in the building and placed a lock out on the door. The XXXX XXXX changed the locks on the entry doors and my apartment door. I was called at work on XX/XX/2018, and was told that if I did not pay the {$5700.00} owed they i would not be able to enter the premises. I left work and had a friend of mine to get the money and pay the bill on my behalf. I was advised by my friend that he was not allowed to make the payment and that I had to pay the bill in person. So, I paid the bill in full but it shows that the bill is past due on my credit report. I have tried repeatedly to get a release of debt from the XXXX XXXX, the building manger, and the Attorney but they are not returning my calls. I would like to get a release of debt and for the XXXX XXXX to clear my credit and show the debt paid in full.
Consumer complaint received 2023-05-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (VA)

I was paying on this loan ever month and then 3 or 4 months in they tried saying I was skipping payments witch I was not doing I need this removed from my creadit as they are XXXX  and stole my money
Consumer complaint received 2023-10-24
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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 2023-10-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (AL)

I have received several call today ( XX/XX/23 ) to verify my identity with them so the can serve me papers. Would not tell me what kind of papers. I asked if they were a process server and if so, that's not what process servers do. I repeatedly asked her not to call me and end the calls. The rep ( XXXX XXXX ) continued to call back and then left a message stating that they would 'serve ' me and would also come to my job if I didn't return the call. I advised XXXX XXXX to mail me what she had ; she refused but told me to call XXXX. 

Additional Phone Number used : XXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I Have reached out to all 3 credit bureaus and they have given me the run around I have sent in my FTC report, in months ago here are the accounts and inquires that need to be removed immediately. 

Account name and Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian inquires that are Fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX