davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America is reporting to the credit bureaus that I have been late with my payment for more than 90 days and late 15 times. All of this reporting is false.I purchase the house in XX/XX/2017 from XXXX XXXX XXXX for {$130000.00}. I took out a loan from XXXX XXXX to make the payment. I have been paying XXXX XXXX {$1700.00} every month since then. Bank of America is saying they still own the home and that I should continue to pay them monthly. I have a Title and Deed of Trust from XXXX XXXX XXXX stating that I own the home and XXXX XXXX is the lienholder on the house. Meanwhile, Bank of America continues to report to the credit bureaus that I owe them on their mortgage and they are destroying my credit rating. I am trying to purchase a new home for my family and I am not able to because of the late reports on my credit from Bank of America. I make my payments to XXXX XXXX every month and I have never been late. 
I have a case number with Bank of America Case # XXXX. I have been dealing with a person named XXXX and XXXX. Neither one is forthcoming to help or get this resolved. 
Regards, XXXX XXXX
Consumer complaint received 2024-03-16
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. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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
Consumer complaint received 2023-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

The Department of Education refuses to be accountable even after being sued! 

In XXXX I received email correspondence regarding my student loans with XXXX XXXX I proceeded to complete the application under the assumption that it was because they are the same school. It was only until XXXX of this year ( XXXX ) that I was told I had to complete a separate application for XXXX and XXXXXXXX XXXX I immediately completed the application for those 2 additional schools. The application I completed in XX/XX/XXXX has been addressed and the loans are in pending discharge status. I have several issues : 1- no one is accountable. The information I was provided initially did NOT guide me te complete an application for each school. In fact, there was minimal information on the website in XXXX  Why are we employing individuals that are not equipped to provide information to borrowers that allows proper expectation setting and less phone calls? 2 : The process is already drawn out and flawed. I don't understand why, if you have already reviewed my loans and you SEE two additional schools that ARE on the list AND there are 2 pending applications, for whatever reason- why not address them all at that time?? Why should I have to wait 3 years? 3 : my last complaint was open and unaddressed for 6 months. When it was closed, the note stated it appeared my issues were addressed. No, they were not as that I have more than 1 issue. They just closed out the complaint. The prior 2 supervisor callbacks also went unanswered. If the department is overwhelmed and can not hire individuals that are accountable, again, I shouldn't receive the penalty for that. The excuse I was given as to why it has taken so long on the XXXX  discharge is because I have multiple loans AND a consolidation. To me, that means someone is having to review and separate the loans SO if that's the case, why can't they review the XXXX and XXXX applications while my application is ALREADY under review? 

I called the Ombudsman line and was basically told that the Dept of Ed is never accountable, the issues that come through are logged, and its basically what it is. There is not a pathway to resolution and essentially I just have to wait on 3 years to pass before my other 2 loans are reviewed and discharged.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Credit Karma (CT)

I am in bankruptcy since XX/XX/2015. I have been utilizing credit karma to monitor my credit and score since then. With this week 's credit karma update my scores ( XXXX and XXXX ) were finally high enough to pursue a business opportunity. The company I was working with pulled my credit and much to my dismay one of my scores ( XXXX ) was no where near what credit karma had reported, with different negative information being reported. Also as part of being in bankruptcy we should be offered all bankruptcy protections including the automatic stay which prevents negative credit information from being reported from the time of bankruptcy filing, i.e. XX/XX/2015. Credit karma has one creditor on my report in the collection accounts portion of the report, and also listed as included in bankruptcy, which is double hitting my credit score as well. One for being in collections and another time for being in bankruptcy.
Consumer complaint received 2023-08-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: KEYCORP (CO)

On XX/XX/ I made a new bank account at Key bank in Colorado. On XX/XX/ i fell victim to fraud when a friend of mine asked me to cash a check for them in my account. I said okay and that day my account was frozen then later terminated. I spoke to a rep over the phone she said '' things like these happen all the time, and that i should just go in and explain what happened. '' well, now Im on a hot list and trying to get off of it so i can get my direct deposit working at my job but i cant because of this fraud error Im getting. I need help in the process im supposed to take.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NV)

Bank XXXX XXXX AAA credit card was taken over by Comenity Capital Bank in XX/XX/XXXX. At the time my account had a credit of {$130.00} ( attachment page 1, 2 ). A check of {$130.00} dated XX/XX/XXXX was issued ( attachment page 3 ).

Unfortunately, due to postal delay, I did not receive this check until XX/XX/XXXX. I went to XXXX XXXX XXXX and they told me that this check has past its validity of 120 days, I needed to request Comenity Capital Bank to re-issue a check. 
I wrote, explained the situation and attached copies of the credit card statements along with the invalid, in-cashable check. They replied and promised to investigate ( attachment page 4 ). 
Comenity Capital Bank replied on XX/XX/XXXX ( attachment page 5 ). They declined to re-issue the check and stated the purchase was paid in full at the time. I wrote to Comenity Capital Bank and explain that it is not about a disputed purchase, it is a check past its validity date. I asked again for a new check. 
To this date, I have not had a reply. 
Please help me to remedy the situation. Thank you.
Consumer complaint received 2022-12-20
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following US DEPT ED XXXX Balance : {$1800.00} ; US DEPT ED XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ;
Consumer complaint received 2024-03-16
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

There has been a Federal Trade Commission Report put in ( Attached ) who has collaborated with local law enforcement in creating a Police Report ( Attached ). For the following accounts on my credit report by creditors who have violated federal, and state laws in using deceptive/fraudulent credit reporting tactics. These accounts were removed, and re inserted on my credit illegally. Experian is required to remove these negative items. Since the evidence that was submitted is being ignored, the law enforcement report is evidence enough to warrant a removal.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX  Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to dispute certain items on my credit report that I believe are inaccurate and should be investigated and removed in accordance with the Fair Credit Reporting Act ( FCRA ). I have attached a copy of my credit report highlighting the disputed items for your reference. I have also asked all 3 bureaus to correct my personal information. My name and it's correct spelling, my date of birth, my address and employer... I also asked for all other incorrect personal information be deleted and removed from my credit report.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.I 'm so stressed and disappointed that this is happening to my credit report that I couldn't even eat properly, even though it is evident that this is a mistake on your part in reporting this inaccurate information. That's why, if you want to redeem yourself, you must update and remove the late payment remarks on the items that I was never late on.
Consumer complaint received 2023-04-11
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. (GA)

Account, XXXX XXXX XXXX, is inaccurately reporting on the credit report for which is associated with my social security number and violates my consumer rights as it is the ONLY bureau reporting the inaccurate account and violates the following FCRA codes : The Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ), which requires that credit bureaus report accurate information about the status of an account. This inconsistency violates FCRA Section 607 ( b ), which requires credit bureaus to report complete and accurate information.These inconsistencies violate FCRA Section 623 ( a ) ( 1 ), which requires credit bureaus to report complete and accurate information about a consumer 's credit history and can harm the consumers ability to obtain lending.
Consumer complaint received 2023-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I mailed the XXXX XXXX XXXX, my negotiable Instrument to " set-off '' this debt and other requests, via registered mail ( # RR XXXX XXXX XXXX XXXX ). It was delivered on XX/XX/XXXX  @ XXXX, per USPS tracking. He has REFUSED to set-off this debt, as stated by law, UCC XXXX XXXX if an attempt to tender payment is done in good faith, and refused, then that amount attempted to be tendered, is discharged from tbe principle of debt! He is an evil person, I have sent many requests to this man, and never receive what I request. I have been requesting these things since XXXX. And I have no idea why he will not tender my security. Please help! Now they are threatening me with foreclosure!
Consumer complaint received 2017-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (WI)

UDAAP complaints related to servicing issues : 1 ) SPS failed to process automatic authorized ACH payments for which adequate funds were available each of the authorized payment dates. Their failure to properly process these payments has resulted in the mortgage holder initiating foreclosure action. 
SPS provided the letter dated XXXX XXXX, XXXX stating ACH payments may be established by returning a completed and signed form, along with a voided check. We returned the completed and signed 'Authorization for Withdrawal and Direct Payment Agreement ' form along with a voided check to SPS. SPS provided an acknowledgement that payments of {$3700.00} would be withdrawn from the account beginning with the XXXX XXXX payment. 
2 ) The SPS Escrow Analysis document ( see Attachment C ) illustrated SPS paying real estate taxes one time during the year and collecting a two month escrow cushion. 
Collecting and maintaining an escrow cushion is a change in servicing practices from what was stated on our initial disclosures which ( see Attachment D ) with do not reflect such a cushion in the Truth in Lending Disclosure Number of Payments, the HUD-1 Reserves deposited with lender section, line XXXX or XXXX ; and the Good Faith Estimate of Settlement Charges To date the loan servicer had not collected an escrow cushion at any time since origination in XXXX and had historically paid the real estate taxes semi-annually. These changes by SPS resulted in SPS requiring either a one-time payment of {$6300.00} or a monthly payment increase of {$500.00}, from {$3700.00} to {$4200.00}. 
Had SPS chosen to make semi-annual payments, as had been the practice to date for XXXX, there would have been a surplus of {$440.00} rather than a shortfall ( see Exhibit XXXX below ) without the added 2 month cushion or a shortfall of {$1000.00} with the added cushion. 
We contend that this large adjustment was the result of unnecessary practice that is unfair and harmful under UDAAP.
Consumer complaint received 2023-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Zip Co US Inc. (MD)

I placed an order on XXXX  using a credit card issued by Zip/QuadPay so I could pay for the item in 4 installments. The zip order # is XXXX. I never received this item from the merchant, and I have tried to contact the merchant numerous times uncessfully. The merchant is not responding and has not delivered my item. I contacted Zip on XX/XX/XXXX to try to initiate a dispute regarding this transation, but was told I needed to wait for 13 days. I contacted them again XX/XX/XXXX, and am again being told it is too early to initiate a dispute. They have told me if I want to dispute the charge with the bank I can but that it would affect my zip account standing. 

Zip issued this credit card that was used to pay, and should be able to initiate a chargeback request with the merchant to get the money back. More than 13 days have passed since I placed the order. I have tried to resolve this on my own. Zip needs to initiate a dispute, investigate this money with the merchant, and refund the money I've paid for this item I've never received.
Consumer complaint received 2023-12-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Crown Asset Management, LLC, Duluth, GA Branch (GA)

NOTICED ERRORS ON CONSUMER REPORT AND MADE CROWN ASSET MANAGEMNT ( A 3RD PARTY DEBT COLLECTOR, ) AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND CONTINUE TO VIOLATE FDCPA, FCRA, CFPB AND PUBLIC LAWS, RULES AND REGUALTIONS AS IT PERTAINS TO DEBT, DEBT DISCHARGE AND CREDIT REPORTING 1. CROWN ASSET MANGEMENT, WAS SENT A NOTICE OF VIOLATIONS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE ALLEGED DEBT REPORTING TO CREDIT BUREAUS AND OTHER AGENCIES 2. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS A DEBT OWED IN THE AMOUNT OF {$1800.00} THAT WAS CHARGED OFF BY THE ORGINAL ALLEGED CREDITOR XXXX XXXXXXXX AND DEEMED UNCOLLECTABLE 3. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR
Consumer complaint received 2023-12-14
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Colony Brands, Inc. (GA)

I found about earlier this year that a transaction had been done on my Swiss Colony account. When I found out about the transaction, I was XXXX  at the time. I had started getting emails from XXXX about the account being reported as not paid. I reached out to the company while I was XXXX  and they told me to dispute the charge. I told them I had no way of filing a fraud report via ftc while I was in the XXXX. They still continued to report that I am not paying them. 
They have placed these negative remarks on my credit report stating that I am over 200 days past due. I have since filed the fraud report and had it notarized to send to the company stating that I did not make a purchase on my account nor did anyone on my household. 
This company has ruined my credit and they refuse to remove the charges off the account to even though I have done everything they asked me to do. They are holding me responsible and I have told them multiple times, I did not use the account.
Consumer complaint received 2024-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

This is not my account for {$200.00}. Please remove this item from my credit report. I am an XXXX breach settlement victim ; my info was compromised. I do not have an alleged binding agreed contract with this company, Amsher Collection Services inc. I have requested a signed contract from Amsher Collection Service to validate a business relationship with alleged company. It has not been received and I do not want this collection to continue to negatively affect my credit report. This is not my account and please have this removed from any & all credit bureaus they have attached & posted this alleged credit debt in the amount of {$200.00}. I am a XXXX  and I have been notified my account was breached with XXXX and I have learned to check my credit to protect myself and saw this on the report.
Consumer complaint received 2023-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have sent multiple Debt Validation Letter to This Company XX/XX/2023 and also XX/XX/2023 they have responded To My Letter without showing sufficient Proof I Owe There Company I havent seen any Of My Signature On Any Documents were I Agreed To pay this company or obligated to pay this company!!!!!!!
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (MO)

Principals rights were violated by XXXX XXXX XXXX  per 15 USC 6803 Disclosure of institution privacy policy, also 15 USC 6803 Obligations with respect to disclosures of Personal Information, and 15 USC 6801 Protection of no public personal information in regards of principals right to privacy. This erroneous tortuous act took effect on XX/XX/ for amount {$19000.00}.
Consumer complaint received 2023-03-25
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: EQUIFAX, INC. (MI)

This may not be the right option chosen. My complaint is against Equifax for clear racism. I literally have never had any large loans or owed multiple XXXX  of dollars on anything. In the last 3 years i have paid everything off and have managed to get a XXXX on my XXXX and a XXXX on XXXX. Yet even tho i don't owe anything but student loans, and i have never had large debts my credit as a XXXX year old male who has never had large debt is XXXX with Equifax. That is racism and classism at its best.