davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-23
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: CITIBANK, N.A. (CA)

On XX/XX/2020 at XXXX XXXX  I sent written communication to Bloomingdales dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account number XXXXXXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. I received NO written communication from Bloomingdales. They did NOT meet the requirements of FCRA 623/FACTA 312. I made a request for them substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing Bloomingdales communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires Bloomingdales to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. Bloomingdales provided none of the above. Bloomingdales continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. Bloomingdales has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. Furthermore, on XX/XX/2020 I sent a second written communication to Bloomingdales dated XX/XX/2020, requesting the same information with same results of NO written response. The above illegalities were committed via USPS mail.
Consumer complaint received 2020-03-23
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. (FL)

Equifax is reporting 2 student loans as being in dispute and that is not the case. The two accounts are showing as DP of EDUC are reporting with balances, one has {$1.00} and the other shows {$2.00}. THESE HAVE BEEN CONSOLIDATED OVER A YEAR AGO AND HAVEN'T BEEN DISPUTED IN A FEW MONTHS. My lender pulled credit and Equifax is the only one doing this..
Consumer complaint received 2020-12-21
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Assumption process has started in XX/XX/2020, poor customer service with lack of communication, fees for the assumption have been cashed around the end of XXXX with still being told that the loan is being reviewed by underwriting. Unable to get an exact date of when the assumption process will be completed. Have been calling on a weekly basis to only be told that the account is being reviewed. The customer service is unable to answer any question, with blind transferring to other lines.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion LLC XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

I received a letter that my chase card that I've had since 2006 was closed due to unsatisfactory credit reasons when I had a XXXX balance and because I was not making payments on a business credit card that I did not open.
Consumer complaint received 2020-03-24
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. (AR)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and the to print me out a copy. There are items on my credit that need to be removed as soon as possible. These are fraudulent accounts.
Consumer complaint received 2020-04-02
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. (CA)

XXXX  XXXX XXXX. XXXX  XXXX XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX
Consumer complaint received 2020-03-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Performant Financial Corporation (AR)

COLLECTOR IGNORE CEASE AND DESIST AND BOUGHT TAX DEBT FROM INDIANA AND ILLEGALLY CAPTURED MY IRS  REFUND! JUST GOT OFF PHONE WITH THEM AND THEY CLAIM NO TAX LIABILTY IS PRESENT AND BECAUSE THEY SOLD SAID DEBT TO COLLECTOTS.SEE ATTACHED LETTERS.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXXXXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (PA)

This complaint is regarding Sagestream Services failure to provide a credit report and show common decency toward a consumer. In a letter dated XX/XX/2020, XXXX XXXX informed me of an adverse action on my credit card application based off information provided by Sagestream. The specifics did not make sense so I decided I would reach out to Sagestream to check for errors on my report. In a letter dated XX/XX/2020 I contacted Sagestream requesting a copy of my credit report and received no response. On XX/XX/2020 I called Sagestream and left a voicemail but received no response. On XX/XX/2020 I also called Sagestream, left a voicemail, and received no response. Finally I sent another letter by certified mail on XX/XX/2020 which Sagestream received on XX/XX/2020. As of XX/XX/2020, I have received no response. This is my first time formally reporting Sagestdream, but my experience in the past and present is that no one communicates from the company.
Consumer complaint received 2020-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX XXXX I transferred {$1100.00} via XXXX XXXX XXXX Bank of America mobile app on my mobile phone. The money that was intended to go to my brother for repayment of a loan went to another XXXX customer in error. 

Dispite my numerous attempts to stop the transfer I was unable to because neither XXXX and Bank of america were not available to receive my call immediately in order to address the issue. 

About 30 - 90 minutes after the transfer was made I finally was able to speak with Bank of America representative on the phone and was told that there is nothing they can do. The Representative was able to verify that the XXXX customer/recepient is a Bank of America customer and stated that their contract does not allow them to withhold or stop the funds even though I told them that the funds went to the wrong person and it needs to stop. Bank of America was able to see the funds and confirm that the transfer was made from my account to their customer account from XXXX but told me that it is up to the person who received the funds in error. 

I was told by Bank of America that they will send a request to the customer on my behalf but unless the customer permits them to return the funds they will not be able to return the funds to me. Bank of America told me it would take 4 to 8 weeks for the process to take place I texted the customer 's number within a couple minutes after speaking with Bank of America and told her about the error and also that Bank of America will be contacting her for her to return the funds and she said ok. 

Approximately several weeks after the incident Bank of America told me the dispute was uncessful. To this day I have not been able to get my money back from XXXX or bank of America.
Consumer complaint received 2020-03-24
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Call them. Email them. Fax them .file motions .in the XXXX county probate court.. Ask for the ownership papers. Like deed of trust or testimony will, beneficiary contract too the ownership lf the company .i need this information so i can no how too go foward on what i need too do .and not too do .i ask them for also public accounting too what they are doing with my money. Cpa .it my right to this information. I also alert the attorney on the estate to this request XXXX XXXX, served him by the probate court, XXXX XXXX. Staff .. bank of america is own by me. And all attached too it .they are refuse too give me information. The trustee are important too this company but i am the owner .in XX/XX/2009 address XXXX XXXX XXXX XXXX ga XXXX was under bank of america and XXXX XXXX as owner.
Consumer complaint received 2020-04-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (GA)

I purchased this vehicle in XX/XX/2019. The dealership had improperly charged me for gap insurance and a service plan. They eventually refunded the amount directly to the loan company in the amount of {$3400.00}. My account is paid ahead about 8 months and this company is trying to charge me a late fee. They are still making me make payments even though the account is paid ahead. I contacted them and they just tell me they only applied the amount to the principal and made no changes to my monthly payment. Why? Again the account is paid ahead and with all that is going on with the coronavirus this company refuses to help me.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

On XX/XX/23 Capital One 360 advised of closure of my checking account because I complained about their poor service. After several telephone complaints where Capital One 360 refused to properly service my checking account, they subsequently decided to close my accounts affecting my credit and my ability to open another checking account.
Consumer complaint received 2022-12-28
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. (NC)

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.
Consumer complaint received 2020-03-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (CA)

I am receiving emails and phone calls from GM Financial saying I am 4 months behind on my payments. I have not received a single letter in the mail by USPS about these late payments. I replied back to one of these emails saying I have cleared checks for the said non payment months.
Consumer complaint received 2020-03-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (UT)

XXXX XXXX is reporting debts on my credit file that I do not know what they are for. I had no idea this debt existed until I checked my credit file. I immediately tried contacting them with no luck. They are in violation of my 30 day right to dispute. I never received any phone calls, or written notifications of this debt. Nothing! These need to be removed off my credit file.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC (TX)

On XX/XX/XXXX  I logged into my UWM account to check my escrow balance and was shocked to find that it showed I was 38 days late on my XXXX loan payment and that the XXXX loan payment remained outstanding. 
As soon as I discovered that autopay ( which had been previously set up ) had not drafted the loan payment, I immediately scheduled both payments and called in to your offices to confirm the status and reconfigure auto pay. I now understand that the late payment on my account was a technical error caused by an auto pay failure. As such, I would like to dispute the late payment so that it does not affect my credit.
Consumer complaint received 2020-03-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX is reporting debts on my account that I do owe. I never received any phone calls or any written notice of this debt. I found out of these collections when I checked my credit. I immediately contacting them to verify & pay the debt if it was mine with no luck. They never answer the phone. It has been very stressful and difficult to communicate with them. They are in violation of my 30 day right to dispute, and this collections need to be removed off my credit.
Consumer complaint received 2020-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one credit card co. Sent me a renewal annual fee for there XXXX XXXX XXXX so I called them and told them that I wish to cancel this card. Capital one representative suggested that I switch to a card with no annual fee however they are still charging me XXXX $ for the previous card and refused to cancel that fee.!
Consumer complaint received 2020-04-02
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. (CO)

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/chargeoff in the amount of {$1600.00} on the XXXX  XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sent to Judgement and should not be reporting by the collection agency. It is a violation of the Fair Credit Reporting Act to report inaccurate information. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit  report. I have contacted the collection agency as well as the bureaus to remove this however, I have not been successful.