davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-17
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

randomly i get this call saying i owe XXXX $ to this company when i in fact DO NOT. only time i have gotten any kind of XXXX XXXX are from my l and i claims and these guys have reportedly abused trying to call me. i am a XXXX  father to a beautiful XXXX year old and don't have time for this nor can i afford a ding on my credit i tried reasoning with them and they have said basically " NO YOUR GOING TO PAY US '' and at that point i have hung up and whenever i answer my phone and it is them i hang up on impulse because i know my truth 's and they harass me to the point of breaking and its the fact they wont try to negotiate anything.. i believe this to be true and sworn by XXXX XXXX on XX/XX/2021
Consumer complaint received 2021-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On Friday XX/XX/XXXX, I requested a wire transfer to a bank in the XXXX. That process required me to stop, twice, and enter a code that was texted to me. At the conclusion of that process, I received a receipt confirming that the wire had been successfully initiated. 

On Sunday, about XXXX XXXX  I received an email- [ NO PHONE CONTACT WAS ATTEMPTED ON EITHER MY LANDLINE OR MY CELL ], telling me that there were problems with the wire, and to contact an office that was closed, and would remain closed until the next business day. I immediately tried to go online to connect with the Fraud Unit, only to discover that BofA had LOCKED ME OUT OF MY ACCOUNT. 

I have been a customer of BoA for 25 years, I have run millions -MILLIONS of dollars through the bank, and in an instant, they have destroyed any trust I had in the bank. What if I were in XXXX, in an ER and needed access to my account? What If I needed to get funds to my child on an emergent basis? These careless, thoughtless actions have real consequences, and if their teams don't understand that they need to immediately and completely reconfigure their training. 

I invite you to listen to the Sunday call, and the call I just concluded on Monday with their Customer Service team for details, and to get just a glimmer of how deeply upset I am with BoA. Not just for the wire, although it seems they rejected it for unspecified reasons, but for allowing an associate, who did not even attempt to call me, to be able to lock me out of my account without any supervisory review, at all. And that BoA apparently does not allow customers 24/7 access to their fraud unit. That is patently ridiculous for a global banking institution.
Consumer complaint received 2021-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Regions bank is my current mortgage company and when i applied for the loan my LTV was above 80 % so PMI have to be paid. After 1 year paying mortgage plus the increase of the property value my LTV is now around 75 %. I called consumer services they told me that a fee had to be paid to cover the due diligences they had to do, which was fair. One month later they returned the payment of the fee alleging that i had to be making payments for at least 24 month before requesting this review. 

This is totally illegal and abusive. Why should i be paying a PMI when based on the law is not required. 

Thanks
Consumer complaint received 2021-03-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

I refinanced my home in XXXX. It was sold to Freedom Motgage. Since then I have had trouble with them crediting my account. I have always paid my payment on time and in full. I was separated from my husband in XXXX of XXXX and unbeknownst to us, we were both making payments on the mortgage. I was paying the XXXX and he was paying the old amount of XXXX. When I became aware of it last summer, I called the company and they said that instead of crediting my account they were holding the money somewhere else. Then when I opened my XXXX bill of XXXX. My balance had increased from my XX/XX/XXXX from XXXX to XXXX on my XX/XX/XXXX statement but my balance due was XXXX. I went online and there were several unusual transactions posted. One being for over XXXX on XXXX called XXXX and they told me that they dont have the extra payment info. My husband and I both have bank statements to prove our payments. They say that in XXXX of XXXX my payment was increased from XXXX to XXXX that I was still paying the XXXX amount so in XXXX of XXXX when my payment was increased again they recalculated my XXXX payments. First of all, my bank statements show that as of XXXX of XXXX I was making the new payment of XXXX. My husband was paying an additional XXXX. They still wont tell me where the extra payments that we made XXXX through XXXX went. They are saying that it was applied to the loan. Why did my balance go up then? Again I have bank statements that show all payments being in full and on time.
Consumer complaint received 2017-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (MI)

Mortgage servicer  XXXX  Mortgage provided inaccurate account information to my mortgage insurance company resulting in a warning letter that my mortgage insurance would be cancelled. According to federal mortgage servicing law, the mortgage servicer must make timely payments so the aforementioned does n't happen. Due to this error there are potential monetary penalties that could be imposed as well as the possibility that the insurer will not renew my policy when it comes up for renewal due to the error committed by Freedom Mortgage. I am now considering legal action for direct, indirect and consequential damages.
Consumer complaint received 2021-07-14
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. (NY)

I have contacted Trans Union at least 10 times since XXXX  to remove incorrect, unvalidated, unverified and/or out of date information. 
-They have not removed this information, despite not sending me as I have requested a consumer contract with my signature, instead they continue to report these accounts. 
-These accounts also do not appear on other reports, yet Trans Union continues to report these accounts.

-Additionally, in the latest report I have, they have failed to put any remarks, symbols or notations next to the account that states I disagree and dispute the entry. It appears on the report as though I have no issue with the account. On previous reports, a notation stating I disputed this account was clearly visible on the account, but in a most recent one, this note was deleted. There are currently no remarks showing these accounts are even disputed. 
-The statement I submitted, also appears at the bottom of the report, not very visible. -Additionally, they continue to report and not remove old account information with unnecessary identifiable information about my demographics information i.e. race and/or gender. They continue to publish this information and are aiding potential credit discrimination. They have not removed these accounts despite my request and that these are old. 
-They have not removed incorrect, old, unverified or unproven, unvalidated accounts and have not show accounts to be disputed.

-Despite repeated request for contracts to actually validate these accounts and verify them, Trans Union refuses to remove these accounts and continues to report this information without reinvestigation and continues to report unvalidated accounts not removing them. Under Fair Credit including sections 609 and 611, they are supposed to delete these accounts, yet they keep reporting them, refuse to investigate them despite my disputes.
Consumer complaint received 2021-07-14
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. (NY)

account has been in covid forbearance since XX/XX/XXXX, options for payment deferral or modification were being explored by lender and they extended the forbearance until end of XX/XX/XXXX but they are showing me as 180 days late in XX/XX/XXXX ... ... XXXX XXXX XXXX XXXX continues to fraudulently hit my credit report with negative reporting locking me into a situation where I can not refinance my property.
Consumer complaint received 2021-07-12
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. (TX)

A fraudulent account was set up in my name by a company named XXXX ( I've never heard of or applied for anything from this company ). I contacted this company three months ago to make them aware of the issue. In turn, they stated they closed the account. Two months later, a 30 day past due alert was posted on my credit reports for XXXX, Transunion, and XXXX. I immediately contacted XXXX again to make them aware of the errors. They researched the account and notified me, through email, this account is fraudulent and the account is closed and they will report it to the credit bureaus. Three days ago, I received a notification that the accounts are over 61 days past due. This has brought down my credit scores substantially and is preventing me from refinancing a property I own. I feel as though XXXX is not taking the steps they claimed they are taking and therefore putting my credit profile at risk. 

Your assistance in the matter is greatly appreciated! 

Thanks, XXXX XXXX
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

This complaint is regarding consumer reporting agencies. 
The problem i am having is consumer reporting agencies violating the rights that congress put forth to protect me. Pursuant 15 USC 1681b ( a ) ( d ) these agencies that assumed this role has to have a written consent from the consumer to furnish any information on the consumers report. 
I mailed a letter XX/XX/2021 and as of XX/XX/2021 i have not received a response. 
XXXX XXXX, Experian are the agencies in question. 
I am submitting this complaint as the consumer, a natural person.
Consumer complaint received 2021-07-13
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. (MO)

My identity has been compromised, stolen, and even could be found on the dark web. A research of my credit files that's being improperly reported by the 3 major reporting agencies has disclosed these unauthorized fraudulent accounts, these accounts do not belong to me. I never once was in business with any of these creditors. Therefore, it is my responsibility to bring this to your attention and for you to remove such fraudulent accounts. The accounts are as following. 

1 ) XXXX XXXX 2 ) XXXX XXXX  {$370.00} 3 ) XXXX XXXX XXXX {$320.00} 4 ) XXXX XXXX XXXX {$170.00} 5 ) XXXX XXXX XXXX {$340.00} 6 ) XXXX XXXX XXXX {$1200.00} 7 ) XXXX XXXX XXXX {$50.00} 8 ) XXXX XXXX XXXX {$150.00} 9 ) XXXX XXXX XXXX {$55.00} 10 XXXX XXXX XXXX XXXX {$200.00} 11 ) XXXX XXXX XXXX {$100.00} 12 ) XXXX {$20.00}
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (TX)

During COVID - Discover offered " low interest '' XXXX card. Obtained XXXX XXXX - then in XXXX 2020 got XXXX. Made minimum monthly payments. " Discover automatically '' reviewed my accounts - no missed payments etc - and " reduced my credit limit '' to the actual balance on their cards as a credit tool. 

Caused scoring drop that as now " cascaded '' down into the XXXX And after i paid them nearly " off '' they say " cant increase your limit as you are not using our cards '' Yet cards are paid on time. 

SCAM AVOID DISCOVER DL
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

In response to the credit reporting agencies ' claim that these accounts were thoroughly investigated and verified, I question the validity of such assertions given the numerous inaccuracies present on my credit report. 

As a consumer, I demand transparency regarding the meticulousness of your agency 's verification process. Under 15 U.S.C 1681i ( 7 ), I am entitled to know the precise steps taken to ensure the accuracy of these items. It is imperative that every effort is made to guarantee the integrity of my credit information, and I will not settle for anything less than complete accountability.
Consumer complaint received 2021-07-12
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates and this was not my fault. Thanks
Consumer complaint received 2021-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank (NE)

On XX/XX/2021 I sent XXXX a cease and desist stating to stop all illegal activity and stating my demands one being to send an audit trail so I can dispute the validity of this consumer credit transaction. I have yet to receive any correspondence from XXXX as the consumer and natural person when I exercise my right to validate an alleged debt the debt collector shall let it be known that they have received said correspondence and that they are or have investigated pursuant to 15 USC 1692g my rights to validate the debt has been violated. I have attached proof in EXHIBITS A and B of green receipt. I also have attached original correspondence as well Exhibit C
Consumer complaint received 2021-07-12
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: EQUIFAX, INC. (GA)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-11
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. (WI)

I've been trying for several months to get the following information corrected that is inaccurate : Account opened XX/XX/XXXX & closed XX/XX/XXXX, shows two late payments that fall under the Cares Act and shouldn't be reporting late. This account is also reporting as being included in a bankruptcy when it wasn't. 
Account opened XX/XX/XXXX, is showing a balance and open when it has been paid off in full since XX/XX/XXXX. 

The local store won't work with me and continues to tell me there is nothing they can do. The Credit Bureaus keep reporting the disputed inaccuracies as verified, when the information is clearly not accurate. I'm at the point of launching a lawsuit.
Consumer complaint received 2024-01-30
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Onity Group Inc. (FL)

Debt collector is withholding insurance proceeds of {$8100.00} from me. It was my insurance policy. I put money out of my pocket to pay for the home repairs after the XXXX and I am the one who negotiated with the insurance adjuster, met the follow up inspector and submitted my claims for the recoverable depreciation. The {$8100.00} collected is due me - the consumer - not the 3rd party debt collector. Each check sent in was done so via Special Deposit Trust Relations for the benefit of the beneficiary, ie me. Please help me get this returned. I am submitting this request in a good faith attempt to resolve this issue administratively. If necessary, I will go to court next. Thank you kindly, XXXX
Consumer complaint received 2021-07-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (WV)

Sequium Assets put this account on my credit report years ago and it was removed. Now they have put it on my account again with a new open date of XX/XX/2020, which is when COVID hit, but the same {$81.00}. I have spoken with XXXX XXXX at Sequium Asset and he refused to even tell me what kind of account this is. Also, I have proof that I did not live at the address he has on file during the time they claim this account was open, as I lived in an entirely different city ( I have a lease for the address I actually lived at during that time ). I can not even get an account number for this debt, which was put on my credit report years ago and removed because they could not validate the debt, now it is back on my credit report with a new open date, but the same amount. They should be banned from credit reporting since they report false information in order to blackmail people into paying debts they do not owe.
Consumer complaint received 2021-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Notification from your company that you have entered my account number in the new address to cancel the account on the previous incorrectly opened and deleted address. At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 


Any bank or card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive payments. Funds in your balance will be held for 180 days, after which well send you an email with instructions about withdrawing your funds. 

Reference ID : XXXX my account XXXX
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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 2021-07-12
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: OneMain Finance Corporation (FL)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.