davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

Experian, XXXX XXXX, and EXXXX dropped my credit score by approximately 70 points in one week after what they say was a creditor re-reporting negative info on an old debt on my report on XX/XX/2019. I called to find out how is it determined how may points are deleted and is it the same for all people. No one knew the answer. They said a computer determines the number of points. I also asked if the negative info was revesed would the same number of points deleted be restored. No one knew the answer. This is unacceptable and unfair to people of color. I suspect that the calculations for credit score decreases are not equal amongst black and white people. In my case, I want my approximate 70 points restored at the moment the credit buresus receive the reversal of the negative info that was reported to cause a sevete reduction in my score. I also want to know how the number of points are determined to be added or deleted based on the info reported. This info should not be a secret. This entire process should be fair and equitable. I highly suspect it is not.
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

Experian continuously grade my credit report low even though my history and account status is good. Recently after applying for a credit card, they reported my score 14 points lower than my actual score, and they have my score 30 to 50 points lower than the other two bureaus. I find it to be very bias and prejudice. This has been continuous for the past two years.
Consumer complaint received 2020-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

i have not used this credit card (XX/XX/XXXX) since last year. i made all my payments right in time, but this people sent me a statement and a balance ( {$220.00} ) with late fee charges for all the year.I called this credit card but this people don't understand they only want money. I lost my job, i can't even go shopping. This people is crazy
Consumer complaint received 2023-05-21
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. (MI)

XXXX and Experian has continued to violated my FCRA rights they continue to be in violation of numerous complaints I have submitted and question there integrity on a throughly investigation of these fraudulent accounts which I have summit documentation including police report of fraudulent account, and FTC report as well to them. Im demanding for these account under 15 U.S.C 1681 b ( a ) 2 to be remove from my credit report immediately!!! 

XXXX and Experian has violated Under 15 U.S.C. 1681 C-2 section c No later than 4 days of this notice request I demand XXXX to remove this fraudulent account XXXXXXXX XXXX  account number XXXX XXXX has violated 15 U.S.C. 1681 b ( a ) 2 15 U.S.C. 1681 g section a ( 1 ) 15 U.S.C. 1681 c ( a ) section 5 states any other adverse items of information other than records of convictions of crimes which antedates the report by more than 7 years. 

XXXXXXXX XXXX has falsified an agreement statement in my credit report I have not sign any written agreement with this company this fraudulent account by this collector is in violation of 15 U.S.C 1692 d 15 U.S.C. 1692 a section C 15 U.S.C. 1692 a 15 U.S.C. 1681 C-2 15 U.S.C. 1681 g section 1 XXXX XXXX - most be removed from my report as well immediately due 15 U.S.C. 1681 C- XXXX XXXX XXXXXXXX is in violation and has violated my rights 15 U.S.C. section 602 8 states I have the right to privacy 15 U.S.C. section 604 a section 2 also states as a consumer reporting agency cant furnish my account with my written instructions. This account is pay in full as agree and must be delete from credit report Immediately!!! And has been in violation of 15 U.S.C 1681b ( a ) 2 15 U.S.C. 1681 g section 1
Consumer complaint received 2020-12-18
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (PA)

I have had a mortgage with Key Bank ( previously XXXX XXXX ) for roughly 2.5 years. Every month I make my payment online through XXXX XXXX 's bill pay. I have never had an issue until now. This month I received a letter from Key Bank stating that I was past due on my XX/XX/XXXX payment and assessed a late fee. I was warned that this could potentially be reported to the credit bureaus. I checked my XXXX online banking to see the payment was sent and received by Key Bank on on XXXX XXXX, 2017 so far before my due date of XX/XX/XXXX. I have a confirmation number of this transaction and the amount is no longer in my account. I called Key Bank on XX/XX/XXXX when I opened the letter from them. The agents informed me the call was to collect a debt from me. I was transferred several times till finally I was given an email address to a manager to send my proof of payment. I emailed this proof with the confirmation number and was told I would hear back soon. After not hearing for over 48 hours I called back. No one knew anything that I was talking about and still said I owed money and a late fee. Additionally, besides making my payment on time, I also made a lump sum payment of XXXX dollars on XX/XX/XXXX ( which is in my payment grace period ) to remove the PMI from my mortgage. So essentially I payed around {$27000.00} on time. Key Bank is still telling me they are not able to locate my payment, and they took my payment for XX/XX/XXXX and applied to to XX/XX/XXXX. My XX/XX/XXXX payment was for an extra XXXX dollars that was supposed to go toward my principle. They used some of that money to pay the late fee from the previous month. I paid XXXX to fax them proof of the electronic debit. They still said this is insufficient. Basically there is XXXX missing of mine. XXXX says they sent it to Key Bank and they say they never got it. I am now considered behind on payments. Key Bank 's customer service is more than poor. It has been despicable. No one knows what each other is doing and they do not respond after promising to get back in touch with me.
Consumer complaint received 2020-12-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2019-10-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (NY)

Sequium asset solutions called multiple times from multiple lines to my cell number. They call repeatedly. They called 3x today that I answered. 2x I told them to stop calling, 1x specifically to not call that number and they still kept calling. I asked for mail only and have received nothing from them but a ridiculous amount of phone calls.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted this collection company and disputed this charge many times as well as with the Credit Bureau directly. The collection agency has no right to place this on my credit report due my health Insurance paying both of these bills directly to the original creditor. I want the item removed immediately. There are two bills XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$700.00} account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$1000.00} account number XXXX I want these items removed as they should have never been reported to my credit report.
Consumer complaint received 2017-07-27
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. (LA)

Incorrect information on my credit reports from XXXX, XXXX and EQUIFAX. Inquiry not authorized by me. Per multiple inquires on my report that are shown in the year of XX/XX/XXXX and XX/XX/XXXX was not authorized by me. I have spoke with all credit bureau multiple times requesting proof of validation, verification of authorization and nothing have been provided to me yet. Under the FRCA ACT, the bureau 's are responsible for investigating once I request a dispute within 30 days or delete. This error is effecting my credit worthiness. The multiple inquires on my report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IT XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX Inquiry Dates XX/XX/XXXX XX/XX/XXXX. Can someone assist me with this complaint.
Consumer complaint received 2024-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

shellpoint mortgage put a notice of default and I did not signed any document those documents are not real they were made fraudulently also I wanted to report that shellpoint is a collection agency with no XXXX XXXX number and the employees do not have a license to make modifications or any kind of real estate transactions I wanted to report that they put me a notice of default on XX/XX/XXXX and I paid them XXXX dollars on XX/XX/XXXX and they never applied the money to the account now they recorded another notice of default with altered documents
Consumer complaint received 2023-02-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

On XX/XX/XXXX several XXXX transfers came from my saving account to people I do not know, as well as fake checks and wire transfers. This also happened on XX/XX/XXXX. My bank, USAA never informed me of this and had my account under investigation and finalized the investigation on XXXX XXXX on XXXX XXXX I called USAA as I couldnt seem to use my checking debt card and was informed of everything that had happened. I have been with this bank for 15 years, this is completely out of my banking character and dont even use XXXX . When asked how this happened they said it came from my device which is impossible as I know I didnt do it. Now all my accounts are frozen even though none of my accounts are negative and I need to wait 60 days because they and no longer doing business with me. My checking was a joint account so my husband and mine paychecks we cant access to pay our bills or fees out kids and the bank says there nothing they can do about it. So im a victim of fraud, Im out about 5k stolen from me and now cant pay my bills or feed my kids. How can someone who has been with this company for 15 years, military do this and be allowed to get away with it. I didnt nor would I chase fake check and send them to people all in one day? Idk even know who those people are. Or how it can be proven that it was done from my device cuz I have my phone and know for a FACT I didnt do this.
Consumer complaint received 2020-12-19
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. (NY)

I mailed XXXX  & Experian a letter on XX/XX/XXXX. I have student loans on my credit report that are fraudulent. I never taken out any of these loans. I only took out one XXXX XXXX XXXX in XXXX for XXXX but there are 2 loans on my report for over XXXX each ( principal amounts ). 
I have also never done business with XXXX. They claim to have obtained the loans from XXXX XXXX. During my investigation I found out that XXXX sold the fraudulent loans to XXXX. They are both trying to collect on the same debt which was fraudulent from the beginning. None of their documentation has my physical signature on them which is required under Section 611 ( 5 ) ( A ) of the FCRA. My name is typed in on the documentation but XXXX said they verified the account. I requested proof and all they sent me was a copy of my credit report with the loans on it and said the loans are verified. 

XXXX  followed the proper steps and deleted these items from my report & I thank them.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Back in late XX/XX/ 2023 I deposited my daughters check into my bank account for {$4700.00} which Ive done before with no issue. Once I deposited the check they locked my accounts so I no longer had access to my funds. Then, eventually closed my account with no explanation via writing or email so I called them and they stated I cant deposit checks into my account unless the person is a joint owner which my daughter was not so I said fine and I had my fianc deposit the check into her account and they said the check was already cashed by Bank of America and they have the funds. In result to that XXXX XXXX  CLOSED MY FIANCS account because they thought she was intentionally trying to cash an already cashed check. So XX/XX/XXXX I reached out to the department that handles closed bank accounts for Bank of America they told me that I would receive a check in the mail by XX/XX/2023 for the remaining balance of my account including the {$4700.00} from the check. So XX/XX/XXXX comes and still no check I call the same department back and they tell me that whoever told me I would receive a check misinformed me! They never sent a check and even though they took the funds from the check that claim they dont accept but now even after they closed my account the funds are still on hold and they cant tell me why the funds are on hold even though they seen the check is not fraudulent and the check cleared and it has been over XXXX  months since they had my funds they contacted the issuer of the check and they verified everything needed but they just keep telling its on hold and they cant give me a time frame for when it will be released and I asked for something in writing so I can show the issuer of the check so they can recant the funds they are not willing to cooperate with any requests Ive had. Also if they dont accept checks from people thats not listed on the account why would they cash the check anyways knowing my daughter isnt on my accounts instead of just rejecting the check in the first place and once the check cleared why would they hold my funds? All they had to do is decline the check and say we dont deposit checks unless they are on the account.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I was on my lunch break from work. I received a call from Wells Fargo saying they were the fraud dept and I had an abnormal charge from XXXX ca for XXXX. They told me to check online on my online mobile banking app to see if it was me. I told them it wasnt and I said thank you so much for catching that. They told me they were making a report to the XXXX police dept so I can get reimbursed for the XXXX. They told me to verify my old PIN number and Email address to get the funds back in order. They told me not to go on the online app because it will cause an issue getting the money back. I thought that sounded fishy. So I went on the app anyway. Realizing they took every cent out of my account, checking and savings. I was furious. I asked them why my savings was transferred and they said it was part of the process. I knew i was being scammed so I just hung up the phone. XXXX my eyes out I left work and went at right down to the Wells Fargo here in XXXX California. I was crying to the tellers explaining what happened. They told me dont worry you will get your money back, this happens all the time. They gave my the phone number to the fraud dept. which was the EXACT same number who called me. I was so mad, I didnt know who to trust and I was so confused. I called them and made report. 11 days later the report was finished and they said it was not considered fraud. Now I cant afford my rent. I have nothing. I banked with Wells Fargo since XXXX, and they treat me like this. Im a hard worker, I work 6 days a week and XXXX different jobs and they think I would take money from myself. In what good does that benefit for me? They took my savings XXXX dollars and around XXXX out of my checkings. Please see attached photos form phone numbers to transactions. Thank you.
Consumer complaint received 2020-12-19
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. (NJ)

I have tired to resolve this issue disputing online with Trans Union but they aren't even looking in the information. They are reporting me late so many times my credit is trashed. I paid the student loan off with an agreement to have this removed. I paid over {$2000.00} during a pandemic when people are losing they apartments and jobs. When I try to contact the student loan provider they give me different phone numbers and addresses making it impossible. Trans Union doesn't even investigate. Attached payment and the multiple addresses they use so it's impossible to contact. These are all the same dispute but different addresses and contact numbers. When I call they just say to call the next person.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AK)

First, the account is paid in full. It belong to another company, XXXX. See the attached documents showing it is paid in full. 

Second, even if a student loan WERE open, Student loans CAN NOT be collected on, reported on even if they are defaulted, under COVID rules as of XX/XX/XXXX and that has been extended to XXXX of XXXX. Nothing had to be done to have that, it was automatic.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (KY)

I had a credit card account with Elan Financial Services. I got behind on this account, and Elan closed the account in XX/XX/2017. I later paid off the balance in full. However, Elan has kept the phrase " {$1400.00} written off '' as part of the Current Status. This is very misleading since I paid it off years ago. I have disputed this with Elan multiple times, and they will not change it. From a credit reporting perspective, it essentially did me no good to pay off the account.
Consumer complaint received 2016-11-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

My office represented the borrower in a foreclosure case in XXXX Supreme Court. The matter was settled with a loan modification and the foreclosure case was dismissed. Even though my office no longer represents the borrower, because the underlying foreclosure case has been dismissed, my office still receives mortgage statements for the borrower. The statements lists the borrower 's name but my office 's mailing address.
Consumer complaint received 2024-03-05
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. (TX)

Im requesting for all student loan to be removed from my credit report per 20 USC 1232 ( g ) 5 USC 552 ( a ) ( 34 CFR 99 ) and The Private Act Of 1974 ( FERPA )
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XX/XX/2024 Tuesday. I work in XXXX and needed to add funds to my checking account. Made a cash deposit of {$1.00}, XXXX at the ATM at Bank of America. The receipt stated apologize for the inconvenience, were unable to process your request and can not return your items. The bank told me to call the claim number. I requested a temporary deposit while they resolve the issue with ATM machine. I work in XXXX and now I have no funds to commute to work. I havent received any updates or temporary deposit. I need additional assistance with this matter. Thank you again
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX 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 XXXX 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 no consent is fraud.
Consumer complaint received 2021-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (DE)

I have tried 3 times, supplying the documents needed to get my mortgage escrow set-up to pay my HO insurance. This should have been done at account origination. The company is United Wholesale Mortgage. Their documentation and follow-up is not that of a regulated company. I have supplied what they needed electronically with proof that they received, then the next agent tells me they never got the documentation. Just plain sloppy.