davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
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. (CA)

This is a formal request for the removal of the late dates associated with the disputed items. Despite my efforts to have this inaccurate and incomplete reporting verified by the data furnisher, no resolution has been reached. I respectfully urge XXXX to comply with the legal mandate outlined in the FCRA and update the account listings in my consumer file. 

After receiving a notice of dispute from me, XXXX informed me that the account had been verified. However, as I knew the information could not be verified, I proceeded to dispute it directly with the data furnisher, as permitted by the FCRA. Despite multiple dispute attempts with the furnisher, no proof or response has been provided. 

XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NV)

My account at HSBC back was on hold for about six months to a year, and XXXX to XXXX my balance of {$14000.00} was to be funded to and a form of a check due to account closure. When the cashier check made it to me it was made out for XXXXcents I called HSBC customer center to ask them why and were did my balance go, they told me that they don't know of what I was calling about and kept sending me to a different department were at the end of me waiting for hours, they will just hang up on me very disrespectful and my issue was never resolved. Please I'm reaching out for help I've worked very hard for my earnings and need help on getting what's deserved back to me. Thank you
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

XX/XX/XXXX Payment was late, and was reported to credit agencies. 
- I wrote to XXXX about this. Unfortunately, I was out of the Country. The auto payment was canceled because of a fraud warning from my bank. When I returned I made all payments necessary. This was the only time I was late and when I spoke with customer service they said the notice of being late was returned via mail. As this was the first time their policy stated that If I wrote in to this group the late notice would be dropped. It was not. 
XX/XX/XXXX Collection/charge off - This is possible the MOST frustrating event of all. Another driver struck my vehicle and totaled it. The insurance company paid for nearly all of the remaining balance. The unpaid off amount was suppose to be paid by the GAP insurance I had purchased, however they were dragging their feet. I had placed several calls to XXXX  letting them know where we were in the process and CONTINUED making my monthly payments so that I would not receive a late charge. During one of the calls I made to XXXX I was told that payments would not help the total needed to be paid. I asked for two weeks to either get GAP to make a payment or I would. Despite XXXX saying that I would be fine to wait two weeks they reported this to the credit agency. I made a full payment omXX/XX/XXXX in the amount of {$2300.00} with a confirmation number of XXXX. Gap insurance has also made a payment since then. I have not been reimbursed for anything and at last check XXXX says I still owe money.
Consumer complaint received 2023-01-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (FL)

I requested the closing when XXXX up on XX/XX/23. Their website has been down, purposefully in my opinion, as well as others having similar issues as reported online. With web down I can not do a transfer. I called and they said a wire would go out same day. As of today, after I CALLED THEM, I am told they reversed the wire. This is causing a financial hardship for me and I need this resolved at once. It's my money.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MA)

After disputing this information since XX/XX/XXXX, Ally Financial continues to report inaccurate and constantly changing information. My account was reported as a charge off when it was paid in full. According to a letter received from Ally, It states that I called to set up a promise to pay on XX/XX/XXXX for the XXXX of every month, however, I did not make a payment on XX/XX/XXXX therefore breaking the agreement. But a payment was made on XX/XX/XXXX. Thats because I just set up the payment on XX/XX/XXXX and gave the person on the phone my card information but it was already after XXXX so the payment did not process until the next day! The response also states that the company reported the charge off in XX/XX/XXXX which is also inaccurate. It was not reported as a charge of until the final payment was made in XX/XX/XXXX.
Consumer complaint received 2023-06-30
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. (VA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-06-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Lockhart, Morris & Montgomery Inc. (SC)

This company has a collection that is not mine that is reporting on my credit report. However, it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX This is a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Without fail, I've maintained timely payments on this account, preventing any from becoming overdue. The reasons for the late payment remarks on my accounts are unclear to me. As per 15 USC 1666b - Billing Error, corrections are warranted.
Consumer complaint received 2024-03-22
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. (TX)

THEY ARE CONTINIUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.
Consumer complaint received 2023-06-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (FL)

We have shown the bank that we can make the payments after they grant us the modification as they let us know that we are low income when our payments are XXXX per month and we earn between XXXX and XXXX dollars a month I would like an accessory because we are accumulated due to the COVID pandemic my father my mother-in-law died my brother and my brother-in-law we had many problems and the bank had promised us to defer the payments at the end and the bank sold it to another bank Selene financial which demands the payment and We have even sent the dog 's birth certificate and they still do not help us!!!! Lol sorry I have no idea what to do but we appealed the decision
Consumer complaint received 2017-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/XXXX or XX/XX/XXXX, while on summer vacation, I visited a Bank of America branch in XXXX, MI. At that time, I was approached about changing my checking and saving accounts to a type that would earn more interest. I told the person at that time that I did not want to give up my XXXX XXXX Checking Account, as they do not offer that  product today. She assured me that I would have all of the same privileges as I was currently getting and more. I explained that I might not have as large of a savings balance in the future and that I did not want to pay any fees. She explained that this new type of account would be better. IT IS NOT! 

Now that my balance is below {$25000.00} I will be charged {$25.00} per month for a checking account! I went into my branch in FL yesterday and they said they could switch me to a CORE checking account where I have to have direct deposit and {$2500.00} balance to have free checking. I asked to be switched back to the XXXX XXXX Checking Account, but they can not do that since they said they do n't offer that product anymore!! 

I have been a good customer at Bank of America since XX/XX/XXXXand I have never bounced a check and have always had a direct deposit. With this new CORE account, if I need to stop payment on a check, get a cashier 's check or wire funds, or if I have a nsf check, I will be charged large fees. Under XXXX XXXX, these things would all be free! 

I am a XXXX year old XXXX XXXX and I feel I was misled about the account Bank of America suggested I switch to. They did not explain that I could not revert to my old type of checking account. Looking back on this visit in XXXX, the B of A employee seemed to be very focused on getting me to change accounts - I think she was trying to meet her sales goals! 

I would love to talk to Bank of America management to straighten out this very upsetting problem. I feel I deserve better treatment from a Bank where I have been a very good customer for 12 years. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-02-21
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. (NJ)

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please correct or delete the following items that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IL)

On  XXXX   XXXX , I received an  Escrow Analysis from my  mortgage servicer,  Wells Fargo . I found it odd because I just received my normal cycle escrow analysis in  XXXX    XXXX  . I called them and the Customer Service representative was not helpful. She said that Illinois required an escrow analysis to be run every  XXXX . I asked why this is the first  XXXX  escrow analysis I have we have received in  XXXX  and she could n't answer that.   On that analysis, nothing makes sense to me. My Escrow Account History shows the Actual Payments from Escrow to be {$3100.00} but in my Escrow Account Projections portion , Wells is pro jecting it to be {$6800.00}. How the heck did they come up with that?
Consumer complaint received 2023-07-14
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. (FL)

I Reached out to Experian XXXX and XXXX in Attempt to get them to delete the account on XX/XX/23 and was told I still have A balance with XXXX XXXX account number XXXX which I do not. The account is completely paid off
Consumer complaint received 2024-03-26
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. (VA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent The last letter to the 3 credit bureaus but never received a response from them. These items must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these items. Please follow the law to resolve this matter as soon as possible. 


XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-02-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC. (FL)

I need to prove to all credit bureau that I do not owe that property management XXXX Trace any money. XXXX, Equifax, XXXX. 
I have tried to solve that matter through mail e-mail since last year but that scam company kept sending lies.
Consumer complaint received 2022-10-31
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. (MO)

This is my 7th 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 alleged fraud or extortion. 


XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am writing to express my continued frustration and disappointment regarding the ongoing failure to remove fraudulent items from my account, despite multiple attempts and escalating complaints. Despite my persistent efforts and cooperation, the fraudulent charges persist, causing significant financial and emotional distress. 

Conduct a thorough investigation into the origin and nature of the fraudulent charges. 
Promptly remove all unauthorized charges from my account and ensure the reversal of any associated fees or penalties. 
Provide a detailed account of the steps taken to address the fraudulent activity, including an explanation for the persistent delays in resolution. 
Implement stringent security measures to prevent similar incidents from occurring in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$270.00} XXXX XXXX XXXX Balance Owed : {$270.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$270.00} XXXX XXXX
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX, XXXX VA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. all have credit inquires in which I have no knowledge of and didnt approve of them looking into my credit. I have tried to contact the companies but havent gotten anything helpful out of getting this resolved.
Consumer complaint received 2022-10-31
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. (NC)

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 2022-10-31
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. (NC)

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 2022-10-31
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. (FL)

I called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report hich are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXX/XX/2021
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'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 2022-10-31
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: Experian Information Solutions Inc. (NY)

I have submitted all required documents that indicating it was mistake regarding my late credit card payment report, but Experian intentionally delay processing my request and refused to make change == those documents includes : Letter from credit card company Legal letter from my lawyer most updated credit card statement
Consumer complaint received 2017-02-20
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Chaplain Financial Services LLC (SD)

I was contacted by this agency this morning and they advised me that I had an outstanding balance in their office, I notified them of my bankruptcy filing over a year ago, gave attorney info as well. 10 minutes ago I received another call from the agency, the person said they never called again, I advised was on my caller ID, and look at my notes from earlier in the day, she said I see you filed bankruptcy when was it, I advised all info including attorney name and phone were provided, the representative then said, you must be a welfare XXXX and hung up on me. I called back and the rep said it was n't me who called but we wo n't call again.