davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
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: Experian Information Solutions Inc. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance Owed : {$35000.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX  XXXX Balance Owed : {$35000.00}
Consumer complaint received 2020-12-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (CA)

To whom it may concern, I currently have a complain regarding the collection agency named Midland Funding LLC. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX. I noticed on XX/XX/20 that I got garnishment due to my 7+ years old debt. Based on Fair Debt Collection Practices Act this account should have been deceased. Also I was never handed a lawsuit paper regarding this garnishment. The total garnishment so far was {$570.00}. I believe this is against the law to get garnished without handing you a summon. Thank you in advance for your help.
Consumer complaint received 2020-12-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I applied to refinance an existing mortgage with Bank of America. I responded to questions from the Primary Originator explaining what I desired to accomplish in the way of terms for the refinance, including the fact I do not escrow property taxes or insurance. I was told starting the refinance required payment of a credit report fee of {$28.00} which was nonrefundable and an appraisal fee of {$860.00} which was refundable any time prior to the occurrence of the appraisal. I submitted all requested documentation. During the process I received 3-4 Closing Disclosures which began to create concern as well as recurring requests for additional information which became burdensome. At a point prior to the appraisal I suggested the process stop and the {$860.00} appraisal expense I paid be refunded at which time I was told it was too late to receive a refund. I acquiesced continuing to provide the information / documentation requested and allowing the property appraisal to occur. Approximately 1 week prior to closing I was informed Bank of America intended to collect {$10000.00} to escrow property tax. I explained this was unacceptable and I had stated early in the process I do not escrow taxes. The response was that Bank of America requires the escrow of the taxes. A few days prior to the closing date I received two Closing Disclosures both dated the same day and were virtually identical other than section F. Prepaids and the section Calculating Cash to Close ; result being one Closing Disclosure stated {$1600.00} To Borrower and the other Closing Disclosure stated {$8300.00} From Borrower. A telephone discussion with the Primary Originator one day prior to scheduled closing resulted in my being told I would have to pay the {$8300.00} at closing. At that point I requested cancelling the refinance. Bank of America personnel were misleading, dishonest, and perhaps operating fraudulently and the process as a whole was confusing.
Consumer complaint received 2015-06-02
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Livingston Financial, LLC (OH)

The debt collector won a court case against me without me being served with any kind of court papers back in 2012. And got a amount awarded of XXXX and XXXX in court costs for a total of XXXX and is now garnishing my wages at 25 % till a total of XXXX is collected
Consumer complaint received 2020-12-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Arcadia Holdings, LLC (PA)

Arcadia Recovery has called our business on multiple occasions, and continues to do so. I have called and spoken to a representative ( on XX/XX/XXXX ) and asked for our phone number to be removed. On two other occasions XX/XX/XXXX and XX/XX/XXXX I have left messages as their message states no one is available. All 3 times I have provided our number, and advised that the person they are trying to contact, a XXXX XXXX is nit here, and does not work here. 

Their repeated calls are tying up the phone line for our business, and that means customers can not call. I have had to waste time calling their number XXXX XXXX XXXX XXXX and asked for iour number to be removed. They have not removed our phone number, and this is continued harassment.
Consumer complaint received 2020-12-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (KY)

I began a mortgage application approximately XX/XX/2020. 
I submitted all paper work approximately XX/XX/XXXX. Over the next few weeks I had phone calls and emails with my loan officer saying my documents were all good and my loan was going through the system. We had a conversation that my rate was locked, my loan was in underwriting. All was good. THEN, XXXX XXXX contacted me XX/XX/XXXX ( SHOULD be closing any day ) and said he was ready to " start " my loan application saying I had not previously actually done an application and if all goes we could possibly close in 30 to 45 days. I of course panicked at the thought of being homeless. What would I do? 
I got the money to complete the purchase from my XXXX and the sell of then current home. Repairs and upgrades needed in the new home would not be done. I have a leaking basement, badly need insulation in the floors as well as incomplete floors. I'm afraid if I can't finish the flooring it will damage what work we have done. 
I have over an 800 credit score, and my debt ratio is well within the means of the loan I was obtaining NMLS # XXXX XXXX XXXX has impacted me negatively
Consumer complaint received 2020-12-26
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. (TX)

I do not recognize the account numbers for what they are. Therefore, I am demanding that they be removed from my consumer credit report. 


XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  xxxxxxxxxxxxx XXXX XXXX Pursuant of FCRA 623 and FCRA 605B, I am demanding that the following items be deleted from my consumer credit report XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  xxxxxxxxxxxxx XXXX XXXX
Consumer complaint received 2020-12-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC (VA)

the collection was added to my account as a newly opened debt from XXXX, I am not sure when it was open but it was before XXXX. I have disputed this with all credit bureaus but they say the debt is valid. They are not even reporting accuracte dates or amounts.
Consumer complaint received 2020-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that if failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days since my initial dispute so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cost me. My information was also impacted by the XXXX data breach and may have got into the wrong hands of the wrong person.
Consumer complaint received 2020-12-24
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. (TX)

XXXX XXXX XXXX is in violation of UDAAP reporting of a debt with XXXX XXXX 'XXXX XXXX XXXX on XX/XX/XXXX. I was denied leasing with XXXX 's XXXX on XXXX/XXXX/2019. I worked for a XXXX XXXX XXXX so the application fee was waived. However, XXXX XXXX XXXX is falsely reporting this as a debt owed on report with Equifax and XXXX  ( violation of FCRA ). THIS IS false reporting. 

XXXX XXXX 'XXXX  XXXX XXXX  ACCOUNT NUMBER XXXX EQUIFAX AND XXXX  XXXX   DELETE REPORTING on credit report for XXXX XXXX XXXX and the named account below : XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX  XXXX XXXX  ACCOUNT NUMBER XXXX PLEASE DELETE THESE ENTRIES.
Consumer complaint received 2020-12-24
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. (CO)

On XX/XX/20 I sent a dispute letter to XXXX, Experian, and XXXX to inform them of account XXXX XXXX XXXX. letting them know this account was paid in full prior to charge off. The status should reflect paid in full not charge off or the collection and to please update by removing the inaccurate information on my credit report. 

On XX/XX/20 I sent a dispute letter to XXXX, Experian, and XXXX to inform them of account XXXX  XXXX that this account has substantial errors that must be fixed. Please verify all its parameters as appropriate and delete if unverifiable, and provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Due to payment being paid down to a balance is XXXX prior to being charged. This needs to be removed at once. 


On XX/XX/20 I sent a dispute letter to XXXX, Experian, and XXXX to inform them of account XXXX XXXX. This account was paid in full prior to charge off. The status should reflect paid in full not charge off or collection. This needs to be removed at once. 

On XX/XX/20 I sent a dispute letter to XXXX, Experian, XXXX and XXXX to Provide a CERTIFIED copy of Authorization signed by me, naming their company as having my consent to furnish, update, verify, inquiries. I still have not received anything in over 30 days.
Consumer complaint received 2020-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
Consumer complaint received 2020-12-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (WI)

I received notice that my service provider for my loan was being changed and requested the balance due on my loan. I have over the years been told this was a charged off loan and they would not send me monthly statements or payment slips even when I wanted to know my balance in the past. When I call the bank they tell me they do not have access to the information and the information I get from the branch office is incorrect and that the branch does not have access to the correct information. I was transferred to customer service, who sent me a payment record sheet indicating my balance of {$1800.00}, another sheet from XXXX XXXX  says a balance of {$1100.00}, however the cover sheet says the balance is {$12000.00}. When I ask for evidence of past due fees, interest, or anything I am told they have no access to that and that the information I got is incorrect, like I am making up numbers, but the numbers I got were from the people they transferred me to. I called my US Senator, XXXX XXXX, her office says they do not deal with such issues and gave me a number to the state of Wisconsin. The state said the bank has a national charter so I need to contact you. This has been a 3 month process and my patience is wearing thin. Please help.
Consumer complaint received 2020-12-24
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. (PA)

This is my third attempt disputing with XXXX Transunion and XXXX. They continue to violate my right. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.
Consumer complaint received 2023-02-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

This description is an amendment to complaint XXXX. The case was incorrectly closed. The responding bank USAA responded to my complaint but did not resolve it, despite my twice following up per their instructions in order to remedy the matter. In addition to the information already contained within complaint XXXX, I submit the following : On XX/XX/2022, I filed an XXXX complaint and generated case # XXXX. 
In response to the complaint, on XX/XX/XXXX I received a phone call from USAA representative XXXX XXXX who identified herself as calling from the CEOs office. XXXX XXXX explained that in order to attempt to resolve the matter described in case # XXXX, USAA required a letter of indemnity from the sending bank XXXX. I spoke with XXXX XXXX  which agreed to send a letter of indemnity but advised that they required a formal request from USAA to do so. I left two messages for XXXX XXXX at USAA on XX/XX/XXXX and XX/XX/2022 explaining next steps. I received no response to either message. No request for a letter of indemnity has been made by USAA to XXXX and the matter remains unresolved due to USAAs inaction. USAA has to date made no effort to retrieve the funds from the wrong recipient. I am asking that USAA submit a formal request to XXXX for a letter of indemnity to seek resolution.
Consumer complaint received 2020-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2020 I incurred a vet bill in 2 separate amounts. {$480.00} and XXXX. I signed up for a 12 month interest free promotional offer. This is XX/XX/2020 and the balances on these two charges are XXXX and XXXX. Its been 6 months and the balances have only gone down by minuscule amounts. I have paid way over the minimum amount every month. Now here is the main problem I am having. On XX/XX/2020 my pet had to have XX/XX/XXXX XXXX and I incurred a rarely large bill that is a fixed interest agreement. The minimum payment is supposed to cover this bill as well as the interest every month. For example. I made 2 payments in XX/XX/2020. One for {$250.00} and another for {$25.00}. A total of {$270.00}. {$31.00} was applied to the XXXX interest free promotional balance. Nothing was applied to the XXXX promotional balance. {$240.00} was applied to the fixed interest rate balance. I have been requesting payment allocations every month since the beginning of XXXX when I realized that they were manipulating my payments in a manner that would leave me paying interest on these interest free promotional balances. This is unethical and probably illegal. Despite my frequent requests they are not allocating my payments per my requests. I had another interest free promotional balance that has since been paid in full but it required multiple contacts with multiple people to finally be paid off before the end of that promotional offer. My complaint is they are applying my payments to the fixed interest account and ignoring the interest free balances. If you sign up for a 12 month interest free promotional offer you expect that a payment would be applied every month in order to be paid in full at the end of that 12 months. Syncrony is not following that logic. They went so far as to change my auto pay amount without my permission. Since they have refused to allocate my payments as requested I was making additional payments to get these balances down so I would avoid interest charges at the end of the 12 months. They subtracted my extra payment from my auto pay. Unbelievable right? For example. My auto pay is {$250.00} month. I made an extra {$25.00} payment and they reduced my autopay to {$220.00}. I will never have these promotional balances paid off by the end of the 12 months if they keep manipulating my payments in a manner that benefits them and not the consumer. I have documented request for payment allocations dated XX/XX/2020 thru XX/XX/2020. I have had other conversations with representatives before XX/XX/2020 but not documented proof. They claim it takes 2 billing cycles to allocate my payments as requested. Its been 4 months since I started this crusade to get my payments allocated the way they should have been done from day # 1. The last few documents are not as clear. My ink is running low but you can see I have tried to resolve the issue with Syncrony but have failed miserably.
Consumer complaint received 2020-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc. (SC)

I called XXXX XXXX after reviewing my credit report realizing that they reported a XXXX charge off under my SS number. I explained I never had an account with them but did recently open an account with their sister company XXXX XXXX. I advised them to remove it and they told me that it USED TO BE in my name. I asked them what USED TO BE IN MY NAME MENT. They said the name on the account was changed but my SS # stood and if I wanted it changed I had to get this person to write a statement excepting responsibility IF NOT the charge off would stand in my name ... I told them the bottem line this acct had nothing to do with me, was never signed by me, never requested by me ... My question is if I really had a charge off with XXXX XXXX, would their Sister Company recently open a brand new account with XXXX XXXX ... Absolutely not ... I beg XXXX XXXX to correct my Credit Report and perminately remove this account from my Credit Reports
Consumer complaint received 2019-07-22
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

Capital one credit card is missing from credit report. Capital one has been reporting to all 3 credit bureaus for 2 years and said they have continued to report to all three credit bureaus. Called XXXX and was told that capital one requested to have entire account deleted. My entire positive credit history is gone. I would like my credit history put back on to XXXX   immediately. fyi : XXXX and XXXX  shows capital one reporting. This is a disaster,, all my hard work to keep my credit card in good standing has vanished, and when I called no one could help me.
Consumer complaint received 2020-12-23
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: Experian Information Solutions Inc. (MO)

I have been offered a car loan multiple times from XXXX XXXX and have been turned down multiple times and they keep pulling my credit report and the inquires keep showing up on my credit report even when I turn it down or say no. 
I can't upload the needed documents for all whom have put negatives on my credit report and or XXXX XXXX because the drive that it was saved to on my phone was deleted and not by me.
Consumer complaint received 2020-12-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. I feel like i'm being taken advantage of at this point. I according to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been well over 30 days I just want these problems resolved.
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XXXX, Equifax, and XXXX  are reporting on my credit report an account with XXXX  XXXX XXXX  XXXX OPENED ON XX/XX/XXXX!!! This account is TEN years six days old and negative information is XXXX years old. It was never reopened it is erroneous reporting by XXXX XXXX. 

These account is greater than TEN years old as of today XX/XX/XXXX. 

XXXX, Equifax, and XXXX  XXXX  are reporting this in violation if FCRA and UDAAP by this creditor. 

The reporting must be removed as it exceeds the statute of limitations
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, XXXX, and Transunion are reporting on my credit report an account with XXXX  XXXX XXXX  XXXX OPENED ON XX/XX/XXXX!!! This account is TEN years six days old and negative information is nine years old. It was never reopened it is erroneous reporting by XXXX XXXX. 

These account is greater than TEN years old as of today XX/XX/XXXX. 

XXXX, XXXX, and Transunion Transunion are reporting this in violation if FCRA and UDAAP by this creditor. 

The reporting must be removed as it exceeds the statute of limitations
Consumer complaint received 2021-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Yesterday XX/XX/2021 i filed a police report with the XXXX XXXX police department because someone has been using my personal information to try to open accounts under my name. i have never authorized any of these inquiries listed in my police report. please see attached documents to support my request.