davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2023-03-21
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: Experian Information Solutions Inc. (GA)

I am a natural person. My name is XXXX XXXX XXXX. The credit bureau violated my rights and disrespected my rights to privacy. If you dont remove this account we will have some problems! 

Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2020-10-01
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. (NY)

I first contacted Experian about the incorrect information on my report and disputed it. They did not remove it, but not that there was payments in default. There was also an incorrect Florida address on my account which they have since removed. I just noticed today that the SSN that shows is not mine as well. I will be calling them today to get this problem corrected. It is supposedly from a XXXX credit in XX/XX/2020. I have contacted XXXX and I have no transactions on my account for this year. Since I have no transactions I can not file a dispute. I have been messaging them. They sent me a phone number and again since I do not have a credit card or transaction number they can not seem to assist me. I have also tried calling XXXX XXXX which has the XXXX XXXX account and again since I do not have a credit card or transaction numbers I can not get past the initial computer on the phone call. I have been trying to resolve this incorrect information being placed on my credit report since XX/XX/2020. The biggest problem is that there is no way to file a dispute when you have no transaction numbers or account numbers. I have been on the phone with these companies multiple times and there does not seem to be anyway to get through if your problem is not listed in their short list.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TN)

I have a soft inquiry from a company I did not give consent to pull my consumer report. I did not give them my non-public information ( ssn ) I do not know how they obtained my non-public information.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I Will not file a complaint if this is updated to paid as agreed and updated from 30 days late. according to the FCRA LAW 15 u.s code 1681. I quote on quote have the right to a fair credit report and any false information on my credit report may be updated! I was never late with the account XXXX XXXX XXXX. Account Number ( XXXX ) I Was not late on the falling day XX/XX/year>
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

The three major credit reporting bureaus Equifax, XXXX, and XXXX are not removing non verifiable adverse accounts off my account. XXXX XXXX XXXX, has never provided me with ALL the accurate verifiable information, so I am sure they could have not provided it to the credit bureaus. These credit reporting bureaus know they are getting paid by these companies to falsely place and keep negative items on consumers credit report.
Consumer complaint received 2024-06-08
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. (PA)

FCRA 605B requires the removal of any incorrect accounts from my credit report, I believe. Could you check the documents? Some accounts have inaccuracies in terms of reporting, amounts, and dates.
Consumer complaint received 2024-06-08
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. (PA)

FCRA 605B appears to necessitate the removal of any incorrect accounts from my credit report. Could you look over the documents? There are inaccuracies in the reporting, amounts, and dates of some listed accounts.
Consumer complaint received 2023-01-07
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. (CA)

XXXX XXXX reopened a charged off account in XX/XX/XXXX that was charged/ voluntarily repossessed back in XXXX without me making any type of arrangements or any changes to the account. There has been no changes or updates since XXXX.
Consumer complaint received 2018-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

On XX/XX/XXXX i emailed customer care after speaking with the below mentioned representatives. Here is what occurred : I did a pay-by-phone for {$3900.00} to be applied to Escrow in XXXX. It was not applied per the bill dated XX/XX/XXXX. I contacted customer service, spoke with XXXX on XX/XX/XXXX @ XXXX MST. Her ID number is XXXX. XXXX was going to apply the amount to Escrow and call me back, XXXX never called me back nor did she make any changes to the account. On XX/XX/18 XXXX, ID # XXXX called and advised my mortgage payment was late and fees were applied. I told XXXX about my previous conversation with XXXX and the payment over the phone. He issued a ticket to apply the funds to Escrow since XXXX did not. 

I requested an email or letter confirming the matter has been handled and that Freedom Mortgage reversed any fees and they DID NOT issue a late-payment notification to the credit reporting agencies given all of this was by no fault of my own, XXXX confirmed this on a recorded line. I also advised XXXX that I need a follow-up phone call to speak with someone regarding the matter once it has been handled, either later today or tomorrow. I did not receive a letter confirming the events and the matter was closed. 

XXXX did not get the account issues resolved and it appears nothing was done. Because then I received another call from a different rep, his name was XXXX, ID # XXXX on XX/XX/XXXX at XXXX MST. We reviewed the account and its history, he apologized for the repeated mistakes. I issued a escrow payment that day to Freedom Mortgage in the amount of {$3900.00}. XXXX said he would call me Monday morning, XX/XX/XXXX with an update and that he would escalate the account to a manager as well. XXXX never followed up and I received letters from Freedom Mortgage stating my account was past due and that was reported to the credit agencies. 

Then XXXX ID # XXXX called me on XX/XX/2018 at XXXX to tell me my mortgage payment is going to increase. We reviewed the account history and discussed the issues. Resolution is still pending and Freedom Mortgage acknowledged receipt of my written complaint received via email on XX/XX/XXXX.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

It is absurd that 1 late payment after 5 years of all on-time payments results in an XXXX point drop to my credit score. How is that even justifiable. This resulted in one of my credit card reducing my limit which will in turn lower my debt ratio resulting in another decrease in points. Absolutely ridiculous. The cfpb needs to start protecting consumer rights against the arbitrary scores the credit bureaus determine that results in serious financial impact to the consumer.
Consumer complaint received 2020-08-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I was told by a XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX that the appraisal for my cash out refinance would be {$520.00} to be paid only by credit card before beginning the process. The next day I received an email stating the appraisal fee would be a {$600.00} dollar charge to me. So I had to make the payment before the processed moved forward, some other companies don't even do this, they allow the payment to be made later or deducted with the closing costs. On XX/XX/XXXX my XXXX card was charged {$600.00} by TIAA BANK XXXX FL. In the end I received a letter from another company with my credit information stating the home wouldn't receive the refinance however that I would. They never moved forward with the process and I never even so much as received an email from XXXX regarding my status or anything. He assisted me until it was not convenient for him any longer. I would like the appraisal fee to be returned to me as it was a lot higher than most lenders out there, also it's sad to say that TIAA is my montage lender. In the end this is how they treat their clients, one who has a very good standing account.
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I opened up a credit card account with Bank Of America 13 years ago as a college student. I used the credit card for years, but in the past few years I've used it less and less. I maintained a XXXX or near XXXX  balance on the credit card for the past year. Without warning, Bank of America recently closed the account due to " inactivity '' citing that they have the ability to do so within the contract. Since this is my oldest credit card accounts, my credit has been negatively impacted. The timing could not be worse as I'm in the process of purchasing a home. When I called to see if the account can be restored, I was told that closing of the account could not be reversed. 

I'm now in jeopardy of no longer qualifying for a home mortgage due to the negative impact on my credit score from a credit card account in which I had a {$0.00} balance.
Consumer complaint received 2022-11-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AmeriCollect (OH)

My account was sent to a collection agency. There are XXXX accounts total that were sent to Americollect. 

XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX These accounts are showing up on my credit report. I have filed a dispute with them and asked them to take it off. And they refuse. As it violates my XXXX rights. 

Thanks for your time
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

On or about XX/XX/, I initiated a dispute of a purchase transaction posted to my Synchrony Bank PayPal Credit account on XX/XX/XXXX  in the amount {$140.00} by the merchant XXXX. The primary reason for the dispute was that certain goods delivered by the merchant were not in the condition specified by the merchant when the purchase was made. Specifically, the goods were described by the merchant as in " New '' condition, but the condition of the goods delivered was Used and/or Refurbished. The secondary reason for the dispute was that the merchant authorized a return of the goods, but failed to provide a return shipping label or a return shipping address. The merchant also did not respond to a specific request to provide such label or address. This dispute was raised by my completion and signature on the merchant 's " Dispute Acknowledgement Form '' together with four pages of annotated documentation supporting my reasons for the dispute. I submitted the form and attached documentation to Synchrony Bank via fax transmission. A copy of the documents that I submitted is attached to this complaint. Synchrony Bank has not made any substantive response to my dispute ; Synchrony failed to investigate the dispute, make any determination on the validity / accuracy of the transaction, and to send me any written statement regarding my dispute.
Consumer complaint received 2022-11-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I purchased a house in XX/XX/XXXX ( closing was on XX/XX/XXXX ) and paid $ XXXX by loan from a mortgage company. Late XXXX, I sold our house ( closing was on XX/XX/XXXX ), and I was about pay off my mortgage loan ( $ XXXX ). I knew my mortgage loan was sold to another bank before XX/XX/XXXX by mail from new mortgage bank. I received letters from mortgage companies in regard with my mortgage was transferred between XXXX companies. XXXX was delivered to our house late XXXX ( XXXX XXXX XXXX ), and the other was delivered XX/XX/XXXX from the original mortgage company. According to the letters, my mortgage was sold on XX/XX/XXXX. 
My original mortgage loan was supposed to be no penalty for early paying-off, but new bank is charging me {$1500.00} for " XXXX XXXX '', according to their pay-off statement which provided me per my request ( I called to new bank to pay-off my mortgage loan on XX/XX/XXXX when our original house was closed ). I received payoff statement on XX/XX/XXXX, I found this " fee '', so I called to the bank and asked what this charge, and a representative of new bank told me that overdraft was charge that I pay off my loan. It sounds like penalty which I would not be charged on the original mortgage. 
In addition, I have to pay one-month of interest even I pay off 1st day of the month. It supposed to be calculated daily basis as late payment penalty. 
I decided to go to the bank, and I will discuss with loan officer face to face tomorrow ( XX/XX/XXXX ). Thanks a lot.
Consumer complaint received 2023-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

Hi, National Credit Systems, they published and are sharing false information, about my credit history with FALSE documents, its causing a lot of damage with these collections that doest exists. 

I've been trying to apply for personal credit and for my business and even though I have great credit the banks weren't approving anything. I then did some research and discovered that since XXXX I have Collections that don't belong to me on my credit, and I am being harmed by this. My credit was from XXXX to XXXX. 
Now, because of National Credit Systems actions, I am paying more for insurance, car loan, and my application for a new job position was denied because of my credit. I need to be a General Contractor, but the license requirements needs a higher them XXXX credit. 
The collection refers to an apartment rental contract, but my name was removed from that contract more than a year ago, I have nothing to do with the open account with the company anymore, I have all the evidence, all the evidence that my name was removed from the contract, and this was reported in my name. 
The worse part, Nacional Credit System has my Collection and its sharing with others agencys of credit but its all false information. NCS is the worse place for debit collection because it hurts a lot my personal credit. 

I had a lot of damage because all this companys did not follow the law, they use false documents, made false affirmations, created false collections, now i have a lot of problems because they did all this.
Consumer complaint received 2019-02-05
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. (FL)

I have asked the XXXX, Experian and XXXX to reinvestigate this account being reported to them and ensure that accurate and fair reporting will be done, but my request was not granted, hence I am asking for your agency 's help. 

There are inaccuracies the way this account was reported to the bureaus. Let me tell you why : XXXX : The limit, past due amount, and balance were not reported, Also, the payment history shows multiple CO marks which are erroneous. 

Experian : Monthly payment and limit are missing from the report, and payment history shows multiple CO marks which are inaccurate. 

XXXX : Terms, high balance, limit, past due amount and payment history are missing. 

Clearly, this account was not properly investigated and reported. If the report came from XXXX XXXX, then why it is that each of them reports this account differently? Are they not suppose to have the same information as they all gathered it from 1 creditor?
Consumer complaint received 2023-02-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (VA)

I bought a car from XXXX XXXX XXXX of XXXX Va XXXX XXXX XXXX XXXX XXXX, Back in XXXX XX/XX/2020 the sales person XXXX XXXX dose not work there anymore, I put XXXX down on the Vehicle which cost XXXX and after we discussed every my payments were supposed to be XXXX monthly For 36 months is what I was told, but when I asked them how much more do I owe they said XXXX more! they said nothing about XXXX percent rate, everything in this contract is False information, And I believe my rights were violated, I Am XXXX XXXX XXXX my birthday was Sunday and I was planning on paying my car off which I know is less then XXXX I havent been able to eat or sleep behind this situation, And I was struggling too keep the payments up this long, And Now they are trying too make me pay XXXX total amount for this vehicle on a 72 month plan! That very stressful! Because I would have never took this car in the first place if they would have been straightforward with Me! I really Need Help! Thank you XXXX XXXX! Finance through Credit Acceptance corp!
Consumer complaint received 2020-10-01
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: Credit Bureau of York, Inc. (MD)

Hello, I have an account on my credit report showing from YK CR BUREAU. The orginal creditor name is XXXX XXXX. The balance is showing on my credit report as {$1400.00} and the account status is listed as open. I have attempted to dispute this account with YK CR BUREAU as well as XXXX  and it has not been removed. This is not my account and belongs to a relative. They were residents at XXXX and left the apartment in " bad '' shape when they left. Again, as I have mentioned I have tried disputing this several times and have been unable to come to an agreed solution. This account was moved to collections on XX/XX/2018 and is hindering my ability to reach my desired credit score to be able to do things to achieve my financial goals. I would like assistance is trying to get this information corrected. I believe this is reporting for my self, XXXX XXXX and XXXX XXXX but the person ( s ) who resided here were XXXX XXXX and XXXX XXXX. 

Thank you.
Consumer complaint received 2022-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

I was contacted by a company claiming to be XXXX XXXX XXXX. The initial phone call came from a number close to where I live ( XXXX ) XXXX a recording was left stating This message is to notify XXXX XXXX XXXX of a pending matter in our office that is in the process of being reviewed today, we will be verifying your current address as well as place of employment to deliver proper documentation at this time you do have the right to contact the office directly at ( XXXX ) XXXX again that number is ( XXXX ) XXXX. This will serve as your official notification by phone for immediate assistance. 

I was notified by a woman named XXXX I had an account in collections with the above stated company. 

The original creditor : HSBC Account ending # XXXX Address my current address I advised her I had no recollection of said account and have never done business with the company. The woman hung the phone up in my face without any other information given. 

I called the alleged original creditors fraud department and the representative advised after doing a search by my social, they had no record of me having an account with them. I have never had any affiliation or sought out credit from this creditor, nor are they listed on my credit report.
Consumer complaint received 2020-10-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

XXXX XXXX  XXXX  sent escrow to USAA my XX/XX/2020. They insist USAA accepted transfer of funds. USAA insists they never received the funds. They asked for date time of transfer. I called XXXX XXXX  and asked. I called back USAA to notify them of ate and time. USAA still says they never received the money. It has been deducted from my escrow. USAA refused to allow me to talk with a supervisor. Told they could not find the missing funds. Asked for a deep review and this was not granted. Was told supervisors are unavailable during COVID. Called XXXX  4 times and USAA 4 times with no resolution. Asked that XXXX  and USAA speak together. XXXX attempted and USAA refused. Missing funds amounts to over {$1300.00}