davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-22
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. (FL)

Good morning, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I did some research and come to find out, they are indeed 100 % unauthorized. I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing. I have also called these companies where the fraud happen and they could not verify my information. I immediately contact the FTC and explained what happen. I have attached the FTC report below along with my driver 's license.
Consumer complaint received 2021-07-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Summary : Entered into Covid mortgage deferment with Bank of America ( " BoA '' ). This was a verbal contract, with numerous BoA representatives confirming interest would not accrue during deferral. No written contract was provided or signed. Post-deferment, BoA claims the terms are different and that I owe {$28000.00} in uncollected fees. I believe this is fraud. 

XXXX to XX/XX/XXXX : I entered the Covid Deferment program in XX/XX/XXXX. During the months of XXXX, XXXX, and XXXX, I had numerous conversations with representatives of Bank of America regarding the Covid deferral option for home mortgages. I was joined on each of these calls by my mother, a lawyer with over 35 years of legal experience. In each conversation, a key concern was confirming interest would not accrue during the deferment period. The numerous BoA representatives that I spoke to during this period confirmed the following : 1 ) Interest does not accrue during the deferment period, 2 ) My outstanding loan balance would not increase as result of my participation in the deferment program, and 3 ) The deferment amounts to a " mortgage freeze '', in which deferred payments are added to the end of the loan life, thereby extending the mortgage duration by the number of months deferred. 

With this understanding, I entered into a verbal agreement with Bank of America ( via phone ) to enter the Covid Deferment program. There was no written contract provided or signed. 

XX/XX/XXXX : On XX/XX/XXXX, BoA uploaded the first of several Loan Evaluation documents. These documents say " we have deferred payments '' ( past tense ) and " confirms '' I've entered a loan deferral. However, there is no actual contract or any signed document that I've agreed to these terms. These documents say interest will continue to accrue during this time period, which is in direct conflict with the terms of the verbal contract agreed to. There is no contract or documentation that I've signed agreeing to terms in which interest continues to accrue. 

XX/XX/XXXX : Im in the process of refinancing, and was notified that BoA claims I have ~ {$27000.00} in unclaimed fees due to the Covid Deferment. This includes {$14000.00} in Covid Interest Deferral and {$13000.00} in Covid Escrow Deferral. The Escrow amount is wrong, as it was due to a tax classification from the local taxing authority. BoA received a refund from the tax authority in XXXX, however BoA refuses to reflect this in their Payoff statement. The Interest is also wrong, as it reflects terms that I never agreed to. As a result, BoA now claims I owe {$530000.00} versus the {$500000.00} it should be.
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

Commenity New York and Company Bank Card. On XX/XX/2021 my balance was XXXX. I made that payment bringing my balance to XXXX. On XX/XX/2021 I was charged interest of {$1.00} and then on XX/XX/2021 I was charged a late of XXXX. I was not aware that these charges were occuring as again the XXXX paid the balance off. I called the company requesting to have those late fees waived and the representative haggled me and tried to negotiate, but was unwilling to waive all of the fees. They have been charging me XXXX finance charges and late fees for four months. This has also been reported to the credit as if I'm late on paying for services/credit obtained by them. All of this for a XXXX finance charge AFTER I had paid the account to a XXXX balance.
Consumer complaint received 2021-07-26
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: EQUIFAX, INC. (VA)

I am not able to access my credit files. The three bureaus have told me that my information does not match the information on file. I can not get anyone on the phone, and when I call, none of the prompts are what I need to access my files. When I try to make accounts on the websites, I am not able to do that either.
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc. (IL)

I received a prepaid Mastercard through MyPrepaidCenter.com - on my paperwork, under the section " Fees Associated with This Card '' it lists a Check Request Fee of {$10.00} and I have been attempting to request a check for the amount of this card, but I have spent much time and have been unable to get ahold of anyone from this company or to actually request a check. Their automated phone system ( XXXX ) does not give me an option to request a check and it also does not give me the option to talk to an actual person, it has just repeatedly disconnected me. I have also attempted to request a check through their website but it gives me no option to do so or to contact them any way other than through the automated phone system.
Consumer complaint received 2021-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have SPAM in my credit report, its like XXXX nowadays ... .... there are inquiries that are appeared from nowhere and I just think how that possible? I can not understand what to do now, but they ae spam and fraud and I can not have them as its not fair. Please apply control and delete them because its identity theft.
Consumer complaint received 2021-07-26
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. (CT)

This complaint is against XXXX XXXX  in reference to CFPB complaint # XXXX-XXXX. 

XXXX XXXX  's XX/XX/XXXX response to this complaint was : " DESCRIPTION OF NON-MONETARY RELIEF We sent an update to the credit bureaus to reflect the account status as Paid in Full effective XXXX " This has not occurred, according to a credit report ( via XXXX ) by : XXXX, on XX/XX/XXXX -- Current Status of XXXX  account : " Charge-Off '' Status of : XX/XX/XXXX Experian, on XX/XX/XXXX Current Status of XXXX account : " Charge-Off '' Status of : XX/XX/XXXX XXXX, on XX/XX/XXXX -- Current Status of XXXX  account : " Active '' Status of : XX/XX/XXXX I contacted XXXX  via phone on XX/XX/XXXX who verified the data on the XX/XX/XXXX report. I filed a dispute during this phone call. 



Since XXXX 's XX/XX/XXXX written resolution, I have been accessing updated credit reports on a monthly basis, which have displayed data similar to the current reports. I had followed up with XXXX  's representative and connected with her by phone, twice, over the past two months. I was told that the lack of changes or the incorrect changes to the status ( both exist ), were part of the updating process and to wait another 30/60 days. 
Finally, XXXX  's representative told me that if the credit reports ' data remains incorrect after XX/XX/XXXX, it is now an error with the bureaus and not with XXXX XXXX. 


I will be addressing this with Connecticut 's Department of Banking, per my attorney 's recommendation.
Consumer complaint received 2021-07-26
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: EQUIFAX, INC. (FL)

I have SPAM in my credit report, its like corona nowadays ... .... there are inquiries that are appeared from nowhere and I just think how that possible? I can not understand what to do now, but they ae spam and fraud and I can not have them as its not fair. Please apply control and delete them because its identity theft.
Consumer complaint received 2021-07-26
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. (MI)

I spoke to Experian over the phone about a month ago. I am disputing a marathon charge account listed on my credit report. 
I just received a letter today stating it has been sold to a debt buyer named XXXX XXXX I originally asked for a copy of the contract and statements leading up to the balance from the original creditor, I do not recall opening this account. This has not been done. 
I would like this account removed from my credit report
Consumer complaint received 2021-07-26
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. (GA)

I went to the car dealership to get a car for my son and the approved me but with a high Interest rate. It begin to bother me because I make sure I pay all debt on time. I went to look at my credit and Lord behold I see a loan on there that Is not mine. There Is a company called XXXX I guess thats where the loan came from. I contacted this XXXX place and Im getting no luck with them. I hope someone can help me with this. Im doing this on my own and really need some help with this.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I have contacted Equifax and let them know that I have been a victim of identity theft which they deleted two accounts but left two accounts untouched. Please delete the remaining things from my report.
Consumer complaint received 2021-07-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (MD)

On XX/XX/XXXX I wrote a letter to CEO of Santander asking for late payments to be removed that occurred during the pandemic. I pleaded with Santander to remove late payments from XXXX and XXXX of XXXX. I would truly like all late payments to be removed from XX/XX/XXXX - XX/XX/XXXX ; however I know that, that's a stretch so I'm only requesting removal for XXXX, XX/XX/XXXX and XX/XX/XXXX. Santander has not mailed nor contacted me by phone to work with me and get these late payments removed. I have had this account for quite sometime now and you would think they would honor this request due to unforeseen circumstances that caused me to be in this situation in the first place. Santander sends me letters all the time asking how they can help me and now as they can see I am on track and this is their way of helping me move forward in my future endeavors to create stability for my family. Attached is the letter that was sent to the CEO pleading for those late payments to be removed. I really hope that Santander would honor this request of a faithful consumer of their company. This complaint is only being filed and desperate need for a response and to please work with me. 

Thank You
Consumer complaint received 2021-07-26
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. (NY)

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format procedures ignoring to report. 

XXXX XXXX Account ID : ENDING XXXX The account is incomplete. The complete and itemized listing of the dates for these accounts was never provided. Date of original payment was never supplied .Grace Period is was not ever applied .Original Contract ( with late payments provision ) bearing my ink blue signature was never sent .Please see attached company response .As per their reply they do not have to be in compliance with FCRA and provide me with any requested documents.

I have difficulty getting them from the original creditor.

In addition for their reply that the company his in compliance with Metro-2 and E-Oscar please review attached screenshot of how do they report my account and how many non-compliances are listed there.
Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

It is very urgent that you please investigate and resolve as this is destructive to my character and is obstructing my potential to obtain financing.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I recently reviewed a copy of my credit report and was shocked to learn that I have been a victim of identity theft. I found numerous reports that were not open by me this has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 

Thanks in advance
Consumer complaint received 2021-07-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (OK)

We had a line of credit on our home and it was serviced by Specialized Loan Servicing. We paid of the line of credit and desired to close the line of credit. The fine print says and we have documentation to support this statementment attached : " If the borrower makes a prepayment during the first thirty-six months after the agreement date, the Holder may collect a prepayment charge of two percent ( 2 % ) of the outstand balance on the line of credit at the time of prepayment. We had a {$0.00} balance on the loan and proceeded to close out the line of credit. We received a bill in the mail for {$4500.00} to allow us to close out the line of credit. We had to pay it because they refused to follow the fine print and we needed to close the line of credit at that time. We initial sent correspondence to Specialized Loan Servicing and they continue to delay and have stop responding now. After many phone calls we were told to send an email to them and that started in XX/XX/2021. I have attached the continued mail correspondence as they will not communicate over the phone or via email with us regarding the issue. We want our {$4500.00} refunded as it was not legally collected from us but we had no choice but to pay to move forward and close the account. We spoke with the lender that closed the loan and he said he agreed but we would have to go through the SLS company and he would not be able to correct the problem. The lender is XXXX XXXX  but they only refer us to the servicer SLS. And they keep sending letters saying they will get back to us in `15 days and then an
Consumer complaint received 2021-07-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NM)

I was following up on a rental in XXXX New Mexico within XXXX XXXX. He essentially told me that he would let me move in to his home XXXX XXXX XXXXXXXX XXXX when I paid deposit and first month 's rent which came to the total of XXXX afterwards XXXX then proceeded to tell me that his attorney who was unnamed at the time required him to acquire of me to pay 3 months rent or 2 months rent I agree to pay 2 months rent and I paid him on zelle a money transferring app through my bank. XXXX said that this was okay and said that my keys would be delivered after I had paid set amount but once I paid the amount I was blocked and disconnected with any conversation from XXXX. Through the entire situation XXXXXXXX XXXX had me send money to many different numbers. He had me ( through zelle ) send XXXX $ 3 times 2 times to one XXXX XXXX XXXX and another time to a XXXX XXXX XXXX
Consumer complaint received 2021-07-26
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: EQUIFAX, INC. (GA)

Since XX/XX/2020 Equifax has had a split file for me and I can only return results that show no credit indicator on file and length of credit history 0 months with zero revolving credit and zero accounts zero increase. It's impossible to work with your customer service because I have tried multiple times, open multiple cases which I have the confirmation numbers for, paid for their premium service twice at the reps suggestions, and none of it has fixed the fact that when creditors pull my social security number and score they show no credit file. XXXX  and XXXX  are fine but Equifax refuses to actually look into the issue and I've escalated cases multiple times to no avail over the last year. 

You can see the screenshots how it goes from somewhat poor but improving credit score to completely blank but I can't seem to get anybody to tell me why or how to fix it ... I tried very very hard but they make it somewhat difficult to really contact them
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

THIS IS XXXX XXXX. XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! 

After formal letters and calls to the three credit reporting agencies of XXXX, Equifax and XXXX  they continue to report inaccuracies and have violated my rights as a consumer. This has caused me great financial harm as a consumer and my ability to contribute to the economy. There was not sufficient information nor proper information in response and lacked validity of debt. I have tried to work out with them directly but automated answering services and failed responses from the US mail now well over 90 days have continued to cause me harm and violate me as a consumer. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX is reporting a delinquent account to Equifax that was not mine and I was never responsible for. I was never liable for this account and have asked XXXX to remove the account from my credit reports but they haven't.
Consumer complaint received 2021-02-05
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. (WI)

Since XX/XX/XXXX XXXXXXXX XXXX XXXX  has been reporting late payments on my credit report. Until XX/XX/XXXX they reported up to 120 days late. Suddenly in XX/XX/XXXX my payments are on time. I've never made more than my normal payments. When questioning them on these late payments they had sent me a letter for a mortgage that isn't even mine. They are reporting late payments on my mortgage from a mortgage that isn't even mine.
Consumer complaint received 2021-03-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (GA)

At closing my initial escrow starting balance was {$1400.00}. However, my 1098 from my lender Homebridge Financial Services XXXX Inc shows my starting balance was XXXX. Homebridge Financial Services, Inc was paid towards my tax escrow for XXXX. However, I received a letter from XXXX County stating I was delinquent on my taxes and that a tax lien was going to be placed on my property on XX/XX/XXXX as my taxes were due in XXXX of XXXX. My mortgage lender Homebridge Financial Services , Inc failed to pay my taxes and when I tried reaching out both by email and phone I couldn't get anyone on the phone to actually look at the closing documents or pay the taxes prior to the lien date. I was given a run around all the times and I was hung up on several times when I asked to escalate the calls. Therefore I had no choice but to pay the {$1600.00} of the taxes out of pocket and use a credit card plus my saving so my house wouldn't go on sheriff sale on XX/XX/XXXX as the county had said that would have been the date the house would go on sale on. I have attempted to call my lender so can they refund me my money including all the interest on my credit card and the penalties that was charged to me by my county. All the times I have called Homebridge Financial Services the people are rude and will not listen to my issue and will not even look at the closing document to see what happened. I have had to retain an attorney to get this resolved and have paid retainer fees out of pocket just to get them to do what is right and what should have been done from day one. My emails have gone unanswered at all. I also tried getting my Mortgage Broker to reach out to someone within the company and have not had any luck and the closing attorney have not been able to help outside of sending me my copies of the closing documents showing Homebridge Financial Services , Inc was paid at closing and it is out of their hands.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ) by failing to verify this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please delete this immediately : XXXX XXXX XXXX XXXX