davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX of 2020, I contact XXXX XXXX XXXX XXXX for {$150.00} to be taken off my debit card that has been linked to my checking with Bank of America.. I have a consistent habit of checking my account on a daily and weekly basis since I'm paid from my job on a weekly basis.. I also did a business transaction with XXXX XXXX XXXX XXXX on XX/XX/XXXX fort the amount of XXXX.. On XX/XX/XXXX, I was getting ready to pay on a bill. When I noticed my previous account was over drawn that was closed out for XXXX.. 

Bank of America did not notify me about the transaction.. I went to XXXX XXXX XXXX XXXX in person and talked with the office manager, XXXX.. I also called Bank of America in front of XXXX 's presence.. I had a Bank of America agent on speaker phone.. Bank of America agent tried to tell XXXX the office manager for XXXX XXXX XXXX XXXX, it was on their end.. XXXX was very frank and advised Bank of America, they don't hold transactions..XXXX advised Bank of America, once they run a transaction , they run a transaction and the rest is on the bank ... XXXX had to tend to other customers.. I left XXXX XXXX XXXX XXXX and told the Bank of America agent I wanted to have a word with her supervisor for my account to be closed through no fault of my own..
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

There are errors in this accounts. Status states paid account and it's written off, so how is it still late? Please provide method of verification and physical verification validation of debt for this account. Also, original instrument of indebtedness. This is information is not accurate and they are in violation of my rights. 


CAPITAL ONE BANK XXXX  N # XXXX
Consumer complaint received 2023-01-04
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. (KY)

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me.
Consumer complaint received 2020-08-11
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. (OH)

There are errors in this accounts. Status states paid account and it's written off, so how is it still late? Please provide method of verification and physical verification validation of debt for this account. Also, original instrument of indebtedness. This is information is not accurate and they are in violation of my rights. 


XXXX XXXX XXXX  XXXX XXXX # XXXX
Consumer complaint received 2020-04-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Credit Solutions LLC (OK)

Have getting calls for several years from debt collectors looking for someone with my same name. I have repeatedly told them I am a non debtor and I am not the person they are looking for. After one collection agency quits calling in a short time a different one starts. The latest company to start calling is GCS ( Global Credit Solutions ) and the calls come from various numbers. I sent message on their web site giving my phone number and informed them I am a non-debtor and have never had any past due debt. I also have message on my phone that says I am a non-debtor.
Consumer complaint received 2020-04-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (AK)

National Credit Systems has duplicated a single collection on my credit report with all three credit bureaus. I disputed the duplicated collection twice to no avail. I received a letter stating the duplicated collection would not be removed. 

The original collection is {$3100.00} from XXXX at XXXX XXXX on XX/XX/XXXX. 
The duplicated collection is {$3100.00} from XXXX at XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2020-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (TX)

My mortgage payment is withdrawn from my account on the last day of the month prior to the month that is due. I am currently in the process of refinancing my loan so I logged into my account to check my payoff and noticed that my account is still showing due for XXXX/XXXX/2020. I logged into my checking account to verify my bank sent the payment just like every month prior. Sure enough on XXXX/XXXX/2020 payment left my account and was transmitted to Planet Home Lending. I called planet home lending and advised that my payment had not posted and they advised that they had not received any payment from my bank. I hung called my bank and advised that Planet Home Lending is saying they have not received the payment. She researched it and provided me all the info regarding the payment along with the transfer ID for the electronic payment. I then called Planet and provided this information to them and they advised they would submit to the accounting department but that it may take up to 10-20 business days ... .... Not sure what to do as the only way to avoid late payment fees and a XXXX day late hitting my mortgage is to make another payment for what I already paid. I have read many customer reviews and I am seeing that if you try to refinance your loan and not use Planet home lending they are doing things like this to make it difficult to complete the transaction. Any help to have this payment posted would be greatly appreciated.
Consumer complaint received 2020-08-11
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. (GA)

XXXX and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine. 

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXXXXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX BANK XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquiries from XXXX XXXX XXXX
Consumer complaint received 2020-06-11
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (NY)

To Whom it Might Concern, I bought three items in best buy in which two of the items are defective. Best Buy fail to send me new items and the XXXX XXXX and the XXXX XXXX by XXXX. Both items cost me over XXXX USD. I decide to sent the items back and I have been talking to Best Buy to get the XXXX label and they fail to resolve the problem. Best Buy wants me to take responsibility to ship the item back. 

Also, I had a 24 months finance brake and they are charging me {$23.00} fee every month for no reason. 

Everyone who buys from Best Buy should be extremely careful.
Consumer complaint received 2020-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MA)

3 Medical collections on my credit report without my knowledge from ( XXXX XXXX XXXX  XXXX : Credit Dispute XXXX XXXX XXXX, XXXX, PA XXXX Phone : ( XXXX ) XXXX )??? how? I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. Don't waste my time by partially responding to this demand. I am demanding under my consumer rights that you send meALL the following documents to me. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide the following or delete from my credit report. 

Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service
Consumer complaint received 2020-06-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CHECK INTO CASH INC. (IL)

When I called the " Check into Cash '' location the person answering the phone stated that I only made 3 payments and I paid the entire balance that I borrowed back I made over 6 to 7 payments. The payments were withdrawn from my checking account. Check into Cash have sold this loan to a Collection Agency in the amount of {$1300.00}. I only borrowed {$1300.00}. I have not heard back from the Collection Agency I tried calling and I can not get straight answers about this account. I never did business with this Collection Agency ( XXXX XXXX XXXX  ). I can not afford to pay this and I can not afford to have them place this on my credit history. These are fair practices!
Consumer complaint received 2020-06-17
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. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX, XXXX, and XXXX tried calling and got the run around XXXX XXXXXXXX XXXX XXXX  XXXX no answer I dont use XXXX XXXXl You check credit XXXX I don't know who this company XXXX XXXX don't have no knowledge XXXX XXXX I don't have knowledge
Consumer complaint received 2024-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I have never opened an account with XXXX XXXX XXXX of XXXX, nor have I authorized any such transaction or account in my name. Therefore, I believe this account is fraudulent and may be the result of identity theft. 

I request a thorough investigation into this matter. Please review the account in question, verify its legitimacy, and remove it from my credit report if it can not be verified as a legitimate debt incurred by me. I also request that you provide me with the documentation that the creditor has on file for this account, as I have the right to see this information under the Fair Credit Reporting Act. 

For your reference, I have enclosed copies of my identification ( including my driver 's license and social security card ) to verify my identity. I am also willing to provide a police report or any additional documentation if required to support my claim of fraud. 

Please understand that this fraudulent account is affecting my credit score negatively and may impact my ability to obtain credit in the future. Therefore, I kindly request prompt attention to this matter. According to the Fair Credit Reporting Act, you are required to resolve disputes within 30 days of receipt of this letter. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt response confirming the removal of this fraudulent account from my credit report. Please send all correspondence to the address listed above.
Consumer complaint received 2020-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (IL)

Received collection notice from a collection company ( ERC ) for an alleged debt that I am unaware and have no records of doing business with. Have sent certified mail to collection company ( ERC ) to dispute the validity and request immediate removal of any derogatory information that may have been placed on any national credit bureau.
Consumer complaint received 2020-08-11
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. (OH)

I was offered mortgage loan forebearance so did not pay my XXXX and XX/XX/2020 payments, however in XXXX I paid for 3 months and have been current since. 
In fact I have never missed a mortgage payment in the past with any lender. 

I then applied with another mortgage company to refinance my loan to improve my rate and terms and when credit was pulled it showed late payments for XXXX and XXXX. 
This incorrect information has put my refi on hold, cost me appraisal extension fees, etc, and now I may lose my rate lock soon. 

I have made many calls in the last 2 months to XXXX bank and while they agreed those payments should not have been shown as late, they have not updated their information so the credit scores are still depressed. 

They make lots of excuses and this is costing me time and money now for their admitted mistake.
Consumer complaint received 2020-08-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendUp Loans LLC (CA)

This company offers both payday loans and installment loans. I took out a payday loan in order to be able to pay off my installment loan and renew it. I paid off the loan early but when I tried to initiate it again, it was denied. The stated reason was that my income was insufficient. This seems dubious for several reasons : 1. My income is the same as it was the last times I renewed the loan. 2. The loan amount is also the same, and is only {$400.00}. 3. I have the highest status in their internal reliability rating statement and a history of 100 % complete and on-time payments. 

The company will not allow me to apply again for 30 days, by which point the loan will not help me. In the past, they unilaterally changed the rules of their system and took away the most exclusive loans that offered friendlier rates and mandatory credit bureau reporting ( to build good credit ). This was frustrating as I was working toward the status level that would allow me to do this and had nearly attained it when they took it away. Their rates are excessively, punitively high- just like your local check-cashing place. I had continued to use them because they allowed me to choose for the {$400.00} installment loan to appear on my credit report. Now that they have denied it without giving me a legitimate reason, I will never use them again. In the long run, I will be better off because I will no longer be paying Lendup their abusive interest rates, but in the short term it has been painful. I used all of the money in my checking account to make the last payment early, so when they then did not allow me to renew the loan I found myself facing late bills and overdraft fees. I would caution anyone against using this companys services.
Consumer complaint received 2020-08-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (AZ)

On XX/XX/2020, I transferred XXXX to an existing online Savings Account I had with XXXX by Goldman Sachs Bank. However, this bank suddenly dropped its rates from 1.05 % to 0.80 % in less than a month and I had to return my money back to its source savings account with a different bank. XXXX sent me an email message informing that the transfer was complete on XX/XX/2020 however the money never showed up at the destination bank as of today XX/XX/2020 XXXX one week )! I've tried to log in to my online account, however I was prompted by a message indicating that my account was locked and requested that I call XXXX. After calling this number multiple times I was prompted by automated messages which could not help me unlock my account. Finally, I was able to speak to a representative who was unable to unlock my account and could not reach out to a banking representative to do so. He advised that he would call me back within two business days.
Consumer complaint received 2020-06-17
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: Santander Consumer USA Holdings Inc. (GA)

XX/XX/2020, I contacted the XXXX number as instructed only to find out that my current account that has always been paid as agreed will not be reported to any Credit Agency because even though my Bankruptcy was dismissed prior to my loan with Santander. 

Santander has a policy not to report on those accounts however Santander will not even release to me that policy in writing. I find this very interesting. 

Santander is a sub prime type lender. I have made every effort to make my payments before or by the due date as my sincere desire is to improve my credit status and maintain it. However I while I appreciate the services that they have provided for me I do pay a high interest rate and am really working diligently to qualify for lower rates in the future. Please note that it does benefit this type of lender not to report favorably on those who are making on time as agreed or better payments. 

Thank you for reviewing this matter. 

Respectfully,
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2020-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MN)

In XXXX I worked with Mr. Cooper to re-cast my mortgage. I wanted to pay down my mortgage to make it more affordable on monthly basis. I wanted to reduce the principle by {$100000.00}. My new payment amount was to be effective XX/XX/XXXX. I received a document to sign on XX/XX/2020. It said to make my regularly monthly payments of XXXX and XXXX on time and to send in the {$100000.00} dollars. I did EXACTLY what the agreement said to do. On their end, they made a mistake. They send me completely different set of numbers on XX/XX/XXXX, without any explanation, other than accusing me that I made a mistake by not sending in my monthly payments for XXXX and XXXX as a lump sum. I sent them at least 10 communications, showing the original letter, documents, pay statements and they will not resolve. I've asked them to update the portal so I can pay on time, update to the correct amounts and they will not get back to me. I would legal help as soon as possible. I have suffered an EXTREME amount of stress and worry over this issue caused by Mr. cooper.
Consumer complaint received 2020-04-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed chapter XXXX bankruptcy in XXXX. The bankruptcy included all my debts including my 1st and a 2nd mortgage. During that time, I decided to keep my home and continue making payments on my 1st mortgage. Last year in XXXX I tried to refinance my home I couldnt because there was a lien on my property by XXXX XXXX. This lien was for the 2nd mortgage that was forgiven by my bankruptcy. I contacted XXXX XXXX  and we negotiated a pay off of {$24000.00}. At that time, I was not able to obtain a loan because of the lack of equity. Recently I have tried again to obtain a loan because I have more equity. I now have a finance company willing to work with me, however XXXX XXXX says I now owe {$45000.00}. I dont understand how they came up with this pay off. During this pandemic I need to refinance my loan due to financial circumstances and XXXX XXXX is taking advantage and is bullying consumers.