davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-12
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: Experian Information Solutions Inc. (TX)

This is in relationship to the recent claim XXXX. I forgot to attach pertinent files showing that XXXX  XXXX XXXX recently reported that I had two additional missed payments in XX/XX/XXXX and XX/XX/XXXX in-spite of the fact that I paid on time accordingly and I am on a hardship program with no late fees nor deadline restrictions for monthly payments as long as it is paid within the 30 day mark. I have also noticed that they have aggressively targeted me as a point of retaliation and have gone ahead an illicitly closed my account. The number of delinquencies need to be investigated and expunged from my credit report. Thus, the comment below from their XX/XX/XXXX is false. 

" We have determined with our research that there has been no error in the reporting or handling of your account. The account became past due as reflected on the enclosed monthly billing statements ; therefore, the delinquency that is reported on your credit file for XX/XX/XXXX and XX/XX/XXXX is valid. Additionally, we have confirmed the account has not been reported 60 days past due as of the date of this letter. XXXX  XXXX XXXX doesn't manage your Fair Isaac Corporation (  FICO ) score and you would need to contact the national credit reporting agencies for information regarding your score. '' Why would the bank take up so much time to report to this particular issue? Whereas, if a client misses a payment and pays within 30 days or before 60 days, their account is reported as delinquent and their credit worthiness is ruined for 7 years. They refused to honor my goodwill letter last year and have gone ahead and further damaged my credit leaving me without the ability to borrow or finding suitable employment. Now I have to remain abroad for seven years to find work. This is an unfair mistreatment.
Consumer complaint received 2020-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is in relationship to the recent claim XXXX. I forgot to attach pertinent files showing that XXXX  XXXX XXXX recently reported that I had two additional missed payments in XX/XX/XXXX and XX/XX/XXXX in-spite of the fact that I paid on time accordingly and I am on a hardship program with no late fees nor deadline restrictions for monthly payments as long as it is paid within the 30 day mark. I have also noticed that they have aggressively targeted me as a point of retaliation and have gone ahead an illicitly closed my account. The number of delinquencies need to be investigated and expunged from my credit report. Thus, the comment below from their XX/XX/XXXX is false. 

" We have determined with our research that there has been no error in the reporting or handling of your account. The account became past due as reflected on the enclosed monthly billing statements ; therefore, the delinquency that is reported on your credit file for XX/XX/XXXX and XX/XX/XXXX is valid. Additionally, we have confirmed the account has not been reported 60 days past due as of the date of this letter. XXXX  XXXX XXXX doesn't manage your Fair Isaac Corporation (  FICO ) score and you would need to contact the national credit reporting agencies for information regarding your score. '' Why would the bank take up so much time to report to this particular issue? Whereas, if a client misses a payment and pays within 30 days or before 60 days, their account is reported as delinquent and their credit worthiness is ruined for 7 years. They refused to honor my goodwill letter last year and have gone ahead and further damaged my credit leaving me without the ability to borrow or finding suitable employment. Now I have to remain abroad for seven years to find work. This is an unfair mistreatment.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am showing a 30 day late on my credit report in XX/XX/2018. I have never been late on this account, my account has always been set up on auto pay, if it was late it was not my error and I have always paid this account. Please remove my 30 day late.
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had previously submitted a complaint to XXXX  MasterCard in regards to them reporting that I was late in that account. Due to corona virus Pandemic my job laid me off. I arranged with mercury cards an agreement for 3 months and was told entering into this agreement they will not report my account as late. They did and my score dropped almost 90 points. I am now uploading the letter they sent me to show proof that this was not to be reported.
Consumer complaint received 2024-03-23
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. (CA)

Per USA 1692 a charge off is considered a Certificate of Indebtment which means income. XXXX XXXX XXXX charged off debt XX/XX/XXXX. They never sent me a 1099c as I know they filed for. I too had to file a 1099c and they are refusing to update my accounts to paid in full! Im requesting that as the consumer this issue be resolved.

According to the Privacy Act of 1974 USC 6802 USC 6805 Law States it is Illegal to report transactions history and negative remarks being reported.
Consumer complaint received 2020-04-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/XXXX I received a notice from B of A regarding an escrow refund of {$3000.00} for escrow funds in my account. I immediately felt it was an error on the banks ' part and contacted them on XX/XX/XXXX and the service rep created a ticket to start an investigation ( ticket # XXXX ) and said call back on XX/XX/XXXX to find out the response. 

XX/XX/XXXX I call XXXX they said they couldn't reach XXXX XXXX , OH Tax dept. to see if my taxes were paid and if this was my money or if I needed to send it back to them. The said call back XX/XX/XXXX for a resolution. 

XX/XX/XXXX I call XXXXXXXX XXXX was on hold until XXXX they said they made an error and needed to verify one more thing with XXXX  who handles their tax information gathering and for me to call back XX/XX/XXXX for final resolution. 

XX/XX/XXXX I call XXXX was told to deposit the check into my account and then call back on XX/XX/XXXX to make an escrow deposit and ask them to rerun my escrow analysis. 

XX/XX/XXXX I call back XXXX and as instructed paid over the phone the refund I was erroneously given to replenish my escrow account. After they ran my analysis I was disputing with the rep my payment info because the math wasn't right. She said she would send me a statement to review. 

XX/XX/XXXX I receive the statement and my house payment was increased {$300.00} per month!! I went thru the report sent and seen a few errors that need corrected. One B of A recalculated my annual property taxes wrong. Per the county ( see attached ) my taxes are {$3100.00} per half which equals {$6200.00} per yr. They have {$9600.00} which is why they raised my payment so much. So that needs fixed. Second error is they passed on to me a {$310.00} tax penalty from the county that I shouldn't be responsible for due to the bank 's error. They have always paid the 1st half taxes of the previous yr in XXXX and the second half taxes in XXXX as property taxes are always in arears. 

I have had my loan with B of A since XX/XX/XXXX and have not had any problems. I pay like clock work every month. During this whole process I was told on multiple occasions someone reach out to me and they never did. I had to do all the leg work. Further more if I didn't take time to investigate and actually spent this money based on their faulty information I would have some serious tax issues later in the year when the county billed them for the taxes due.
Consumer complaint received 2020-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

Countless requests via phone and recently email, have been made by me to Navient to apply my over payments to principal and do not advance my due date. Each time I was told that they would make the change. I would see the change for one month and then my due date would be advanced.
Consumer complaint received 2020-04-11
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. (CA)

On XX/XX/2020, I called XXXX XXXX XXXX and changed my credit card payment date from the XX/XX/XXXX to the XX/XX/XXXX of every month. This way I would have no issue make 100 % payment and have that reported consistently. They informed me that the change would not take place until XX/XX/2020. Before making my XX/XX/XXXX credit card payment, I called XXXX XXXX XXXX on XX/XX/XXXX to make sure I understood when my XX/XX/XXXX statement would close so that I did not use my balance sooner than it would be reported. I basically called to confirm that my money would need to be on the card until XX/XX/XXXX, XXXX EST. I discussed this with a XXXX XXXX XXXX representative who confirmed with me that my statement would close on XX/XX/XXXX and whatever balance is on my card by end of business on XX/XX/XXXX, at XXXX EST is what would be reported. We also confirmed that my payment due date change would take effect on XX/XX/XXXX and my statement would generally close on the XX/XX/XXXX of each month going forward. I explained during this call that I would need to use the balance rather quickly so unfortunately, my money would not sit on the card but I would use it basically right after the XX/XX/XXXX and it was confirmed that so long as it's on the card by XXXX on the XX/XX/XXXX it would be reported. I paid {$400.00} of my {$500.00} balance on XX/XX/XXXX and I proceeded to use my card on XX/XX/XXXX as I explained to the XXXX XXXX XXXX  representative. Finally, on XX/XX/XXXX I got a notice from the credit bureaus that I had used 100 % of my credit card balance and thus my credit score was dropped 62 points with Equifax and XXXX  + 45 points with XXXX. I called to discuss with XXXX XXXX XXXX because I had called to confirm this with a representative on XX/XX/XXXX solely for the purpose of avoiding this sort of issue. They said they listened to the recorded call however they do not feel I was " Mislead '' during the call. However, the representative told me clearly that my statement would close on XX/XX/XXXX as per usual. And that the change would take place starting in XX/XX/XXXX. It turns out that was incorrect information so I unknowingly used my balance sooner than it was reported. I checked my XX/XX/XXXX and XX/XX/XXXX statements from XXXX XXXX XXXX which did not indicate a change in my statement close date, I also spoke with them on XX/XX/XXXX they didn't indicate the change in my statement close date, and when I changed my payment due date on XX/XX/XXXX they never indicated this change so there was LITERALLY no way for me to know about this change. Literally. Even with the fact that I called them one day before making my XX/XX/XXXX payment they did not inform me when I called to confirm my statement close date. And after all this, the complaints department has told me they will not change what was reported because they feel it is accurate and I was not misled.
Consumer complaint received 2020-04-11
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)

On XX/XX/2020, I called XXXX XXXX XXXX and changed my credit card payment date from the XX/XX/XXXX to the XX/XX/XXXX of every month. This way I would have no issue make 100 % payment and have that reported consistently. They informed me that the change would not take place until XX/XX/2020. Before making my XX/XX/XXXX credit card payment, I called XXXX XXXX XXXX  on XX/XX/XXXX to make sure I understood when my XX/XX/XXXX statement would close so that I did not use my balance sooner than it would be reported. I basically called to confirm that my money would need to be on the card until XX/XX/XXXX, XXXX EST. I discussed this with a XXXX XXXX XXXX representative who confirmed with me that my statement would close on XX/XX/XXXX and whatever balance is on my card by end of business on XX/XX/XXXX, at XXXX EST is what would be reported. We also confirmed that my payment due date change would take effect on XX/XX/XXXX and my statement would generally close on the XX/XX/XXXX of each month going forward. I explained during this call that I would need to use the balance rather quickly so unfortunately, my money would not sit on the card but I would use it basically right after the XX/XX/XXXX and it was confirmed that so long as it's on the card by XXXX on the XXXX it would be reported. I paid {$400.00} of my {$500.00} balance on XX/XX/XXXX and I proceeded to use my card on XX/XX/XXXX as I explained to the XXXX XXXX XXXX representative. Finally, on XX/XX/XXXX I got a notice from the credit bureaus that I had used 100 % of my credit card balance and thus my credit score was dropped 62 points with XXXX  and TransUnion + 45 points with XXXX. I called to discuss with XXXX XXXX XXXX because I had called to confirm this with a representative on XX/XX/XXXX solely for the purpose of avoiding this sort of issue. They said they listened to the recorded call however they do not feel I was " Mislead '' during the call. However, the representative told me clearly that my statement would close on XX/XX/XXXX as per usual. And that the change would take place starting in XX/XX/XXXX. It turns out that was incorrect information so I unknowingly used my balance sooner than it was reported. I checked my XX/XX/XXXX and XX/XX/XXXX statements from XXXX XXXX XXXX which did not indicate a change in my statement close date, I also spoke with them on XX/XX/XXXX they didn't indicate the change in my statement close date, and when I changed my payment due date on XX/XX/XXXX they never indicated this change so there was LITERALLY no way for me to know about this change. Literally. Even with the fact that I called them one day before making my XX/XX/XXXX payment they did not inform me when I called to confirm my statement close date. And after all this, the complaints department has told me they will not change what was reported because they feel it is accurate and I was not misled.
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Service Finance Holdings, LLC (MD)

On XX/XX/XXXX I was made aware that Service Finance Company LLC dba Service Finance XXXX XXXX Texas placed on my credit report a remark that says " affected by natural disaster ' ear marking the fact that I was being given relief due to the COVID 19 situation This was completely opposite of what XXXX at that company ( XXXX ) told me on XX/XX/XXXX when I called and spoke to him and told him I wanted to avoid any damage to my credit rating I called the company again on XX/XX/XXXX and spoke to XXXX who refused to remove the remark from my credit report XXXX ( employee id # XXXX ) said The Fair Credit Reporting Act of 1970 permits them to let others know I am unable to pay the account right now. 
I was and continue to ask that they remove this negative comment in accordance with The CARES Act because I was current on the account prior to the XX/XX/XXXX payment due date, have always paid more then the minimum due and was not in default, have been unable to work since XX/XX/XXXX due to the Corona Virus and they granted me 120 days to make the next payment in accordance with their pandemic relief policy XXXX refused to remove the remark, threatened to take back the 120 day relief granted, refused to give me the name of the company Resident Agent so that I could address this matter directly and spoke to me in a demeaning manner
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

Equifax insist on reinserting credit inquiries on my credit report that is not authorized. I have inquiries that were reinserted without notice. These are inquires that I did not authorize. Inquiries in question are : XXXX   XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX card services XX/XX/XXXX and XX/XX/XXXX. I never signed nor agreed to any of these inquiries. Remove immediately!
Consumer complaint received 2020-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

To Whom It May Concern, I recently was looking at my XXXX XXXX  as it has been a while since I looked at my credit score. Due to this whole corona virus thing I was told by my family to make sure all my credit is accurate. On XX/XX/XXXX I noticed a handful of things inaccurate which I'll explain and show you pictures. On My file it shows a Company XXXX and says I owe them {$370.00} this 100 % fraud and never approved from me. There parent company I called and they had no idea what I was talking about. XXXX I called on XX/XX/XXXX and the customer service rep she had said she would remove the entire thing after speaking to her for 20 minutes. However she than said didn't have the authority and I said call each credit agency and dispute this since it is not mine and couldn't be validated. Next up Late Fee 's I admit I had made mistakes however last year In XXXX I spoke with XXXX XXXX which also goes by XXXX about car loan. They had said they would remove XX/XX/XXXX & XX/XX/XXXX late fee 's as a courtesy however today It is still on there. Another car loan XXXX XXXX XXXX had also said they would give me a courtesy and remove a late fee from XX/XX/XXXX since I always pay on time. They were very understanding. However it was never updated to any credit branches. I also have a few hard inquiry pulls that I have no idea about and I believe them to all be fraud because I don't recall going to these banks or applying for anything with the following companies XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX and XX/XX/XXXX XXXX. These are all 100 % not authorized by me. I called a few of thing but there lines were over an hour long. One of the companies did tell me that all the companies would have my signature if I applied with anything with them. I know I didn't on those dates with those companies so I am looking for all that to be removed from my report and everything else mentioned. Thank you.
Consumer complaint received 2023-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

This is the second complaint against SPServicing, XXXX XXXX and XXXX XXXX XXXX. Loan # XXXX XXXX my duplex was flooded by XXXX XXXX. I received two checks from XXXX insurance and had to send them to SPServicing ; XXXX. SPServicing disbusted all with the exception of a little over {$9.00}, xxx.xx ; I funded the repairs from cash I had and got checks amounting to approx. {$49.00}, xxx a few weeks after I submitted the checks and SPServicing cashed them ; XXXX my homeowner insurance company sent me a check for {$18.00}, xxx again made out to me and to SPServicing on or about XXXX XXXX, 2022 ; I have not sent SPServicing the check yet because of points below : XXXX. No where in the mortgage notes does it state how SPServicing is obligated to release the funds. They seem to arbitrarily decide and to me it seems they are trying to make money out of the float and fees not disclosed on the mortgage note ; no where in their website do they disclose how funds are disbursed or the fees associated with their inspections. 
XXXX. I have been uploading all the information they require and have asked them on their website and by faxing to their insurance department all the documents their request ( adjuster estimate, and their required documents ) and my requests for clarification. They reject all the uploads ( adjuster estimate ) I made. 
XXXX. I have all of point 6 documented with PDF 's from their website and a fax to their office in XXXX XXXX XXXX. 
XXXX. SPServicing is making rules as they wish ; nothing is detailed in the mortgage note and/or on their website. They want consumers to send them the insurance checks so they can sit on them. 
XXXX. SPServicing should not be in the business to assess if my duplex can be lived in and 10. Please note, the XXXX on this loan is less than 15 % so I am unclear as to why they are so concerned about protecting their " investors. ''
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine.These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$700.00} XXXX {$100.00} XXXX {$440.00} XXXX {$87.00} XXXX {$17000.00} XXXX {$9300.00}
Consumer complaint received 2020-04-12
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ALLY FINANCIAL INC. (OH)

Payment history has not been reported since XX/XX/XXXX. I have contacted Ally Financial XX/XX/XXXX regarding this and have not reached a resolution. To date my credit report/payment history has not been updated as current.