davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-03-19
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. (FL)

Good day! I am requesting for your assistance regarding with these wrong informations on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and UPDATE the listed accounts below. 


XXXX Account XXXX : XXXX This account was misleading please remove it ASAP. 

XXXX  Account Number : XXXX Please investigate this account was DUPLICATE ACCOUNT please remove it ASAP. 

XXXX XXXX Account Number : XXXX Please UPDATE THIS ACCOUNT ASAP.
Consumer complaint received 2021-07-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In XXXX  I tried to open a bank account at XXXX XXXX  and at the end of the application the representative tells me that I have a problem with Bank Of Amrica and that I should call Bank Of Amrica to solve that problem, I immediately asked I tried to communicate with Bank Of Amrica and when I spoke with one of their representatives, the only thing they told me was that I could not have an account with them for a duration of 6 years, I asked them to explain the reason and why I can not open an account with Bank Of America within 6 years and they responded by telling me that my account was involved in fraud, but I responded by saying that how can my account be in fraud if I stop using it since I finished working for the XXXX XXXX XXXX XXXX  team I stopped using my Bank Of America debit card because at that time I was no longer working and I was not going to need it, because the only thing I used it for was to receive my payments and withdraw the money, please I want to clarify that I have no idea what they are telling me and I want you to please correct that error because I have tried to open another bank account with XXXX XXXX 's but they tell me about the same problem I have with Bank Of America and I want you to please solve that problem as soon as possible. Thank you!
Consumer complaint received 2019-12-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRANSWORLD SYSTEMS INC (CA)

The loan is thru XXXX XXXX and UAS. 

The company sent letters saying the payment was 60 days behind and was not. 

They then deducted 2x the monthly payment without authorization. 

The rep told me the took the payment for the following month too. I told her this is unacceptable and she said it would take 45 to 60 days to reverse. 

They would not reverse the charge even though it's the holidays. Besides effecting my holidays, I will likely fall behind on other payments as well. 

I reported this 8 days ago and was assured they would address the issue immediately. I followed up on 3 days ago and they seemed to have no information on my initial call. Now their response today was " we haven't heard from our accounting department yet ''.
Consumer complaint received 2019-12-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (FL)

I attempted to pay my payment due on XX/XX/2019 and the computer system connected to synchrony credit card was faulty and didn’t receive my payment until after the due time. I called the (synchrony) the company, and made sure the payment went through and they told me it had not. I proceeded to pay it & requested they remove the late mark on my credit & I was assured this would not effect my credit. After reviewing my credit report, I see a missed payment remark from synchrony and request this be removed. I have had that credit card for 2 years and have never been late on my payments.Thank you for your assistance and time. Let me know what you need from me to take care of this marking.
Consumer complaint received 2019-12-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE (NM)

I initiated the transfer of $XXXX MTCN XXXX from USA to XXXX on XX/XX/2019.This transfer never went through. Western Union never contacted me to inform me that the transfer was rejected by the mobile wallet carrier until I contacted Western Union 3 weeks later. All this time I presumed that the transfer had gone through.After contacting them several times they continued to tell me that I would get my refund as soon as possible. I have been chatting online with their representative who acknowledge that my transfer was rejected by the mobile wallet carrier and the chat team directs me to call this number XXXX  or XXXX and whenever I call my call is always get my calls dropped. The last time I had the chat team call me instead of me calling them was on XX/XX/2019 where one of their representative named XXXX informed me that I would get my refund within 24 to 48 hours. Still nothing happened to date. I just  finished chatting online with one of their XXXX XXXX XXXX who told me the same story. See attached chat.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a credit card with XXXX XXXX XXXX XXXX. I have always made my payments on time. I recently decided to look at my credit report to see my fico scores, and then I realized that there was a late payment showing on my credit report. As you can see, I have always had a stellar payment record with XXXX. I tried contacting both XXXX, XXXX, TransUnion, and XXXX with no successful resolution. XXXX, XXXX, and TransUnion are reporting me 30 days late. This is definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-12-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advanced Collection Bureau, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( XXXX ) XXXX Advanced Collection Bureau XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Double billing : This happens when the same bill is submitted multiple times when the procedure was performed only once. ( for my case, I've never seen a doctor, it was a 15-minute chat with a clinical nurse. ) I, XXXX XXXX, XXXX the problem in a clarity of speech as result of the documented XX/XX/11 XXXX post-disaster health problem. I have been sent by XXXX  ( XXXX XXXX XXXX ) to XXXX XXXX XXXX for a yearly check up. Never see a doctor, it was a 15-minute chat with a clinical nurse only. The visit was paid by XXXX ( XXXX XXXX XXXX ). Since then the XXXX XXXX XXXX and Advanced Collection Bureau keep harasting me for a years. They trying to get another {$300.00} for already paid visit ( which was actually not a doctor visit ). The agent of Advanced Collection Bureau refused to work with me without me giving updated (??? ) info to resolve issue of Fraudulent Charge. They sent a negative information to the XXXX   Credit Bureau and spoiled my FICO.
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Designed Receivable Solutions, Inc. (CA)

I have been working on improving my credit. I had 1 delinquent account left. So I contacted Design Receivables Solutions to get some information about the account. The balance began at XXXX. I noticed the balance had risen to XXXX, so on XX/XX/XXXX I called the collection agency to see what can be done. I was interested in making payments but before I could even ask. I was immediately offered a deal by the gentleman from the agency. He told me if I was willing to pay my debt in full they would be willing to remove it from my credit report. I was very surprised by the offer because I didn't know they did that sort of thing. It wasn't really a good time for me to pay the XXXX in full because money was tight. I took into consideration that I probably wouldn't get the same offer had I just made payments. I asked if they could send me a letter guaranteeing this account would be removed. I was told they didn't do that sort of thing but that they would mail me a letter after my payment was processed. So I agreed and paid the balance in full. I waited and continued to check my XXXX XXXX account for a update on my debt. I noticed the agency had reported it paid in full & account closed. This was not what we had agreed to. So to filed a dispute with XXXX  and as it turns out the agency denied that it was to be removed and it was to remain on my credit as a closed account. This is so wrong and I find it unacceptable that someone could get away with lying to me. I paid in full as agreed. I held up my end like I said I would. My question, " Why are they allowed to get away with not holding up theirs? '' I could've set up payments instead of being broke for that week and got the same results. I'm raising my nieces XXXX daughters without any financial help and my budget is tight ... .at any rate it was a stressful tight week. I'm very upset I know this is my responsibility but I don't appreciate being lied to.
Consumer complaint received 2024-03-19
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. (NY)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request.
Consumer complaint received 2021-07-29
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. (NV)

I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to bring to your attention a concerning issue that has persisted despite multiple attempts to rectify it. Despite my repeated efforts to remove these items, they continue to surface, causing significant frustration and inconvenience. 

It is imperative that immediate action is taken to rectify this situation and prevent its reoccurrence in the future. 

I urge you to conduct a thorough investigation into the root causes of this problem and implement robust measures to address it effectively. Additionally, transparent communication regarding the steps being taken to mitigate this issue and prevent its recurrence is essential to restore trust and confidence in your platform/service. 

Furthermore, I request compensation for the time, effort, and inconvenience incurred due to the multiple attempts to remove these fraudulent items. It is essential that appropriate restitution is provided to alleviate the impact of this ongoing issue on users. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XX/XX/2022 XXXX XX/XX/2022.
Consumer complaint received 2022-01-01
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: Bread Financial Holdings, Inc. (TX)

I XXXX XXXX NOTICE THAT I HAVE AN INQUIRE ON MY CREDIT REPORT FROM VICTORIA SECERT THAT I DID NOT AUTHORIZE I AM A MALE AND NOT SEEKING A VICTORIA CREDIT CARD PLEASE DELETE/REMOVE FROM MY CREDIT REPORT THANKS
Consumer complaint received 2021-07-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Pursuant to complaint XXXX, Bank of America is maintaining that they exercised due process in recording my account as a charge-off even though, through circumstances of their own making, they " clouded '' the title to the recreational vehicle ( aircraft ) for which they were the primary lien-holder thereby rendering it to be un-saleable with a title that could not be cleanly transferred to a new owner. Additionally, they could not even provide me with clear title effectively demonstrating that I myself possessed clear ownership and title to the vehicle. Documentation from a federally bonded, FAA-certified escrow and title company, XXXX XXXX XXXX XXXX, XXXX, are attached demonstrating Bank of America 's inability to present a " clear '' title of the time of an attempted sale of the aircraft ( XXXX ) on XX/XX/2020.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I originally sent letters to all 3 credit bureaus regarding inaccurate information I found on my report on XX/XX/21. Referencing an alledged account with credit acceptance and inquiries that were also unauthorized. The letters were all sent certified mail and verified as recieved. 3 weeks later I recieved letters from each bureau. XXXX notified that they have corrected the issue by deleting the referenced credit acceptance account from my account but have yet to remove inquiries. XXXX and XXXX have both claimed to have verified the information with the creditor as accurate. I have sent letters to both bureaus on XX/XX/21 requesting the method in which they verified those accounts and I am still waiting on response. Credit acceptance has not responded at all. 

I have attached a screenshot of this account on my report where you can clearly see this account has been RE-AGED by the creditor which is a clear violation of law. Obviously the processes and procedures of XXXX XXXX and Credit acceptance are all flawed and are not setup in a way to be accurate and fair to its consumers.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Consolidated Credit Solutions, Inc. (TX)

I paid Consolidated Credit Solutions to consolidate my debt and make payments on my behalf. I was falling behind and i did not want my credit to suffer. They told me they could help me. After i enrolled with them, they told me as long as i made my monthly payments to them, that they would make my monthly payments to my creditors. They did not do this. Instead, they. waited for me to finish paying off my total package to them, then they turned around and paid all my debts. Meanwhile, instead of fixing my credit, it made it worse than before because since they were not paying what they said they would, the debts were just showing up late on my credit report. I have tried to reach out to the company and they have been no help and now me and my fiance and XXXX XXXX  are struggling to get a home loan because of my credit score. They were supposed to help me and have really made my situation worse. And i have paid them IN FULL.
Consumer complaint received 2021-07-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION (NC)

My husband and were mid process refinancing our mortgage with M & T Bank. We were not asked to provide any contract information for employment verification. Instead on XX/XX/2021, M & T Bank sent a companywide email to everyone ( Over 700 employees ) at XXXX where my husband is employed. The email was sent from one of their employees whose job title includes " foreclosure specialist '' and asked if my husband worked at XXXX. So, now, everyone employed at XXXX believes that our family is going through a foreclosure. This is not only humiliating and embarrassing but is also extremely detrimental to his professional persona. This is a violation of the Right to Financial Privacy act.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

XXXX XXXXXXXX XXXX XXXX is reporting inaccurate information on my credit report for all three credit bureaus for a company called Credit Collections. The company is is reporting inaccurate account name, no of months, payment status, last reported, Date of last activity, and date of last active. This is a violation. I have disputed this information several times starting at XX/XX/2021. I have not received a response. They had had plenty of time to investigate and respond to me.
Consumer complaint received 2019-12-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On XX/XX/XXXX, I had applied to HSBC Bank via XXXX XXXX XXXX <XXXX> mortgage loan XXXX for a cash out refinance loan on one of my investment properties located at XXXX XXXX XXXX, XXXX , FL XXXX . By XX/XX/XXXX, I was told that the file was sent to underwriting and the appraisal was ordered. However, as the mortgage went through underwriting, the bank decided that based on its overlays, that it could not underwrite the mortgage, as their overlays, which were not disclosed upfront, called for them to exclude the use of rental income on those properties that are not listed on a person 's tax statements for two years for verification of income. In my particular case, I only started acquiring properties as of XX/XX/XXXX, resulting in a lack of rental history for those houses on my taxes. This is contrary to XXXX   XXXX XXXX typical guidelines, which call for using 75 % of forecasted net revenue toward calculating income/losses. Other banks have subsequently been willing to underwrite mortgages for me for new acquisitions and refinancing. I'd brought this to the attention of HSBC, and Mrs. XXXX XXXX supervisor, XXXX XXXX XXXX, Mortgage Direct | Sales Manager, XXXX  | HSBC Bank USA, N. A., XXXX XXXX XXXX, XXXX, NY XXXX, NMLS ID # XXXX, Office : ( XXXX ) XXXX, Mobile : ( XXXX ) XXXX, XXXX had stated he'd be willing to review my file again, but has gone silent without any conclusive outcome. As of XX/XX/XXXX, he said, " I will review the file, to see what occurred here, and respond to you by Wednesday ( tomorrow ). '' On XX/XX/XXXX, he stated, " Just to update you, I have a few questions about the file after reviewing it that I asked the underwriter about, so will revert back when he does to me. '' I'd followed up with him as recently as XX/XX/XXXX, asking for a status update, and have yet to receive a response. I believe that a thorough proper review of my finances, which have two XXXX 's holding a total of 7 houses, along with currently six properties under my personal name, and other small items adjusted that were brought to HSBC 's attention, such as my accountant mistakenly listing 365 days of fair market use for the two houses I'd acquired rather than the actual 120 days ( approximately ), and using the 75 % of net income from leases, the loan in question could had been cash out refinanced. Perhaps not for the full 75 % LTV I'd requested, but most certainly at some percentage. I'd asked HSBC to offer relief in one of three ways : 1 ) Refund my appraisal fee ; 2 ) transfer my appraisal to another bank willing to underwrite the loan for me at no cost ; or 3 ) HSBC to review my file and offer to underwrite the mortgage at a LTV that's fair and accurate and works for both parties. They haven't offered relief in any of those three ways.
Consumer complaint received 2019-12-16
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. (AZ)

I have tried multiple of times to get XXXX  to send me my past applications for my forbearance and deferments and they only sent a letter stating my loans are in good standing but my loans are showing past due XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX which is causing me to have multiple late payments hurting my credit score when i have always made sure my loans were deferred until i am able to pay which is soon but i need this fixed on their part. They have not shown proof of the student loans which were consolidated but XXXX  is still showing multiple of closed student loan accounts with bad payment history