davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Per my several attempts to resolve the inaccurate, incorrect information reporting on my credit reports the consumer credit agencies as well has the furnishers is in violation of FCRA, My rights as a consumer is in fact being disregarded despite my continually efforts for this matter to be resolved before taking legal action. XXXX XXXX XXXX is reporting a collection on my XXXX XXXX and Equifax and is in direct violation refusing validation despite my request. Also this company is not authorize to do business in the state of Georgia. My request is that these collections are proven validate with an contractual written agreement between this company and myself or the original written copy of the contract from the company the are claiming to represent with my wet signature or delete these collections from my report immediately. Account reporting as charge offs and other accounts are also showing inaccurate and incorrect names addresses and other harmful adverse information. Please delete all accounts immediately. I have attached proof of all violations along with documentation to serve as evidence before taking legal action.
Consumer complaint received 2019-12-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequoia Financial Services (CA)

I have no idea what this is pertaining to I have never received notification both company babes listed on credit report seqouia financial services and 10 city of XXXXXXXX no one answers phone calls or returns messages I've recently attempted to remove from credit no response and no form of communication from them I have no idea what these two debt collectors are for
Consumer complaint received 2023-01-16
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. (NV)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$290.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$490.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$260.00}, XXXX  XXXX XXXX Open Date : XX/XX/XXXX Balance : {$190.00}, and XXXX  XXXX XXXX Open Date : XX/XX/XXXX Balance : {$100.00}.
Consumer complaint received 2019-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

XXXX XXXX  made us aware our escrow was increased. We were given the option to pay it in full or increase our monthly payment. We paid the increase of {$290.00} in full on XX/XX/2019 before the deadline. We then continued to pay our monthly mortgage payment on time each month. The mortgage company is now saying that our mortgage is past due. They failed to apply the escrow payment appropriately. The payments made since then are being placed in a suspense account because they are for the regular amount without the increase. We notified the mortgage company of the error but they have not corrected the problem. They have acknowledged receipt of all payments but have not credited payment to the mortgage loan.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I have send all 3 credit bureaus letters to remove inquires which I do not recognized. None are from companies or businesses I deal with. I also have place a freeze on my account to prevent unauthorized inquires. They have ignore all 4 times I have send a request. 

Here are tracking for all the mail I sent plus others which I just put a postage stamp XXXX XXXX XXXX XXXX XXXX XXXX They need to remove those inquires as requested from all 3 credit reporting agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   I have also mail the names of those who placed the inquires with to no avail
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: TRUIST FINANCIAL CORPORATION (AR)

My complaint is regarding my credit card with SunTrust/Truist I do not have all information, because I am locked out of my online banking. 

I have a seldom used credit card with Sun Trust ( not in over a year ). Over the summer, there was an automatic charge for an annual magazine subscription that I was unaware of. 

Not expecting any charges, I never check my online account ( the reason I am locked out of their online banking and will have to be on hold for XXXX minutes to get it working again ). So, the first statement I see shows a charge of {$42.00} for an annual magazine subscription and a {$25.00} late payment fee. I call, make the payment of {$42.00}, and am told they will waive the late fee. 

The next statement has the initial {$25.00} late fee plus another late fee ( I believe it was {$39.00} ). I call again, and they tell me I was supposed to call back again to get the initial {$25.00} fee waived. So I'm charged a late fee on a late fee. 

On XX/XX/21, I made a payment of {$40.00} leaving the balance at {$25.00} ( interest was added to the late fee ). Well, here I am again in XXXX with another late fee on a late fee after, on my initial call, I was told that the initial {$25.00} late fee was being waived. 
At this time, they are saying my new balance is approximately {$52.00}. 

Essentially, for a single charge of {$42.00}, they are trying to usurp $ XXXX in late fees.
Consumer complaint received 2019-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I was charged a bogus late fee due to Bank of America 's error. 

I have had this account since XX/XX/2013 and had autopay enabled to pay balance in full every cycle. After a few years of inactivity, I started using the card again. However, at some point BoA had unenrolled me in autopay without my consent, and I was charged a late fee ( of {$25.00} on XX/XX/XXXX ) before I noticed this. 

I have tried to contact BoA to have them solve the issue, but I have faced excessively long queue times every time I call.
Consumer complaint received 2023-01-16
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)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-16
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)

Experian and XXXX ( CRA ) have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account XXXX XXXX XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the XXXX parties. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 XXXX  : {$420.00}
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX and TransUnion ( CRA ) have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account XXXX XXXX XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the XXXX parties. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 
XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 XXXX  : {$420.00}
Consumer complaint received 2023-01-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TN)

I noticed a debt under collections listed on my credit report in the amount of {$1000.00} from a company I did not recognize. I mailed a certified letter on XX/XX/2022 to LVNV Funding asking them to verify the debt and have not received any type of correspondence or response from them in 30 days.

I have never heard of this company, nor have I had any contact with them. I have never received any correspondence by mail, email or phone from this company. They just showed up on my credit report one day. In researching, I found out that they have a third party vendor ( Resurgent ) that collects the debt on their behalf. I have never heard of this company either. I sent a debt verification request letter to LVNV Funding since they were listed on my credit report as the reporting agency. It's been 30 days, and I still have not received a response from either company concerning my debt verification letter.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

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 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 2023-01-16
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. (TX)

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: POPULAR BANK (FL)

A court order directed XXXX XXXX, to transfer funds in my mother 's name to an estate account after her passing. 

Also in the account were checks deposited in my name in the amount totaling of {$87000.00} My funds have been tranferred and the bank has now closed my account PLEASE HELP
Consumer complaint received 2019-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America continues to place holds on my funds and fails to have customer service in place to remove the holds they cause. 

1. XX/XX/2019, BOA placed hold on my debit card on business checking acct, card ending XXXX. 

2. BOA notified me by text. 

3. I called phone number in text. Provided options of 40 minute hold or call back. I request call back. 

4. Call back came but I was already asleep. I rejected call. Three more callbacks came, waking me four times. I had to shut off my phone. 

5. Today I called again. Again, a lengthy wait or callback. I chose callback. 

6. Upon callback I verified all recent transactions and was told block had already been removed but he would place notes verifying all transactions. 

7. I attempted to withdraw XXXX dollars from non BOA ATM, was declined, causing new block. 

8. I attempted to withdraw XXXX from same ATM, said error. 

9. I walked to BOA ATM, attempted to pull XXXX, received message about hold placed, asking me to call. 

10. I called again, options 40 minute hold or callback. Opted for callback. 

11. This caused nearly 2 hour delay in getting home. 

12. Callback came, agent said is no hold. 

13. I said would walk to BOA atm while on phone with her. While on phone, declined again due to block. 

14. BOA agent said would send me text, but it never arrived. 

15. She said would call me back right away. 

16. 10 mins. Later no call back. I schedule XXXX home. This caused to me be out on cold and get a headache. 

17. She calls and asks if I want her to check acct. I said yes and after that I want to speak with supervisor. 

18. She placed me on hold for nearly an hour. Currently on hold still.
Consumer complaint received 2019-11-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Ceannate (NC)

The I3Group is a harassing company and apparently they dont have information that they are claiming to have about my student loan. My loan is not in default but they insist that it is. I make my payments and when I look at my federal loan account online statements when they called they said that the information is not correct. They call from different numbers and are extremely harassing throughout the day. I am currently in the do not call registry and this company says it does not apply to them. They consistently ask for person information such as social security number, date of birth, and address.
Consumer complaint received 2019-12-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COLLECTECH DIVERSIFIED, INC. (TX)

I was not given notice of the open account by collect tech in XXXX. According to my credit report it has been open since XXXX and I received no letters or calls. XXXX  hospital, the company who the debt is from also failed to contact me about the debt either by call or mail. I called the hospital and they stated they did not have me on their patient records. This is the second time Collect Tech has started an account against me and failed to reach out regarding the debt.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-16
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. (NV)

I have a loan with XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with Experian and XXXX credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2023-12-12
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. (LA)

I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX is reporting on my credit profile inaccurate payment history. The accounts listed are paid on time XXXX  XXXX and XXXX XXXX
Consumer complaint received 2019-12-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC (IL)

I owed a bill to XXXX XXXX XXXX XXXX from XX/XX/XXXX, I don't remember going to doctor then and do not remember receiving a bill of it. Starting in XX/XX/XXXX I began receiving phone calls from Receivables Management Partners LLC. I repeatedly told them over the next several months of calling me 3-4 times a day to just give me a detailed bill and only then will i pay the amount. The bill never came but all of the phone calls stilled continued. On XX/XX/XXXX I finally had enough of the harassment and paid the XXXX bill over the phone. They immediately took the payment out of my bank account but never produced a letter stating that the debt was paid in full. I have called them and emailed them for a receipt of payment and letter of payment but have gotten nowhere. Now i am being told that they do not issue receipts or letters of payment. This is still effecting my credit even though it has been paid off in full and this company will do nothing about it. Why they can't even issue me a simple receipt stating it was paid is beyond me. How do you expect people to pay off debts when you harass them and then not follow through on your end of sending a letter and reporting that it has been paid and closed.