davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc. (NJ)

On XX/XX/XXXX XXXX XXXX XXXX reported the following to the credit reporting agencies : " Seriously past due date/ assigned to attorney, collections agency, or credit grantor & XXXX ; XXXX XXXX XXXX XXXX ''. XXXX XXXX XXXX reported a balance of {$560.00} which was updated on XX/XX/XXXX for the original creditor : XXXX XXXX XXXX. XXXX XXXX XXXX has not notified me via mail or phone call for the debt in question. XXXX XXXX XXXX has not provided verification of this debt and has not responded to any phone call correspondence. 

On XX/XX/XXXX Online Information Services reported the following to the credit reporting agencies : " Seriously past due date/ assigned to attorney, collections agency, or credit grantor & XXXX ; XXXX XXXX  collection department ''. Online Information Services reported a balance of {$560.00} which was updated on XX/XX/XXXX for the original creditor : XXXX XXXX XXXX XXXX NY. I received a letter from ONLINE INFORMATION SERVICES on XX/XX/XXXX in regards to the debt in question. I sent a request for verification to Online Information Services on XX/XX/XXXX by certified mail, the following agency has not provided debt verification within the legally obligated 30 days. 

XXXX agencies are trying to collect on the same debt that has not been verified when verification was requested. Both collections agencies are reporting these accounts as negative collection to all credit reporting agencies. This is illegal.
Consumer complaint received 2021-03-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (CA)

XXXX XXXX sued me and acquired a judgment against me in XXXX with out me knowing. At the end of XXXX I contacted Rent Recovery Solutions and paid that judgment. I contacted Rent Recovery Solutions as well as XXXX XXXX asking for them to file the satisfaction of judgment and they keep refusing to do so. Because of this I can not get approved to even rent an apartment or get a mortgage. I tried sending proof to the court and I was told that the debt collector or the original creditor are the ones that need to file the satisfaction of judgment with the court in order for the judgment to go away. They charged me some made up fees saying I owed somewhere along the lines of {$3900.00} initially and then claimed that I owed them {$2400.00}, when in reality the judgment was only granted for {$1800.00}
Consumer complaint received 2021-10-04
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. (AL)

On XXXX XXXX more than 45 days ago I sent a letter to the credit reporting agencies regarding some false misleading information that should be excluded from my report. As of today I have not received any response regarding my concerns and I feel as I'm being ignored. I as a natural person ( consumer ) who is protected under federal law demand these accounts be removed from my consumer report immediately. If no action is done I will seek legal action for the Violation of my right. I have attached verification of my identity so please don't say you are not able to verify me. Also I am not being represented my any 3rd parties so lets not play these games to delay the process. The law states clearly you must allow 30days to respond not 45 nor 60.
Consumer complaint received 2021-10-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2021 I entered a branch location of Bank of America to apply for a XXXX after physically speaking with two representatives I was then handed a phone to speak to a third representative NMLS # XXXX. At this time we discussed HELOC options. I told the loan officer I think my home was wort XXXX and he said if it appraised for XXXX I would be able to open a line of credit for just over XXXX. All the numbers we discussed were based of a LTV of 80 %. Loan officer also stated that a drive by appraisal would take place and if I disagreed with the value i could request a full appraisal. Two days after application and running my credit I was denied for the loan due to in adequate equity. When speaking to a client rep on why denied i was informed all their HELOC products require 75 % LTV. At this time i was also told a drive by appraisal was never done and I could not request a full appraisal that they would only be using their comps. If I knew up front the LTV requirement was 75 % I would have never applied due to knowing I would not be able to obtain the amount of funds I needed. I have asked the Bank of America to remove the credit inquire and was told they would. Still to this point I have received no communication this has occurred.
Consumer complaint received 2021-03-14
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. (NY)

In XX/XX/2021 XXXX XXXX XXXX put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end because I was told that due to Covid-19 no accounts were allowed to go into the late payment status which is clearly not true. They refuse to remove this late payment after explain the situation to them and this resulted in my credit score being lowered.
Consumer complaint received 2020-03-28
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (NY)

Upon receiving my new XXXX Mastercard, provided by Barclays, I purchased airlines from XXXX to travel to XXXX in XX/XX/2020. Subsequently due to this Coronavirus pandemic and my advance age, I sought to cancel that trip with XXXX. However, using the only available online option, I found out that to cancel that booking the airline would charge me {$400.00} for the tickets which amounted to {$1600.00}. I attempted to contact Barclays by phone & by email subsequently, but to no avail. Based upon the specific stipulations on the credit card agreement, I informed Barclays to cancel the credit card since I was unable to obtain any relief from either XXXX & Barclays. The credit was returned to Barclays. However on XX/XX/2020, I received a new billing statement from Barclay in which a fee in the amount of {$120.00}, along with interest for {$37.00}, were assessed which brought the previous balance of {$1600.00} to {$1800.00}.

The airline companies & the financial institutions will be receiving large sum of monies from the {$2.00} trillion stimulus package which our president Donald Trump has signed into law, whereas there will not be any relief for me. 

According to President Trump 's Coronavirus Guidelines For America, there are certain specific recommendations for peoples in my age bracket : 1 ) If You are An Older Person, or have a serious underlying health condition, stay home and away from other people.

2 ) Avoid Discretionary Travel, shopping trips, and social events.

Barclays offered me no prior alternatives when I first contacted the via email, and their response was that they could not call me nor write to me to discuss my issues.

The coronavirus pandemic is no fault of mine & I am following Federal Guidelines not to travel, and Americans who are now overseas have difficulties to come back home, and many of those countries have closed their borders which include XXXX where I originally intended to travel in XXXX. 

I asked Barclays to cancel my account and to delete the charges since that I can not travel. On XX/XX/2020, I finally received info from XXXX about banking credits which they did not offer before, but for a very limited amount of time, while the interest charges on that credit card is a high 26.4 %. 

The financial institutions and the Airline companies should heed the Federal guidelines to assist consumers fairly in these critical moments caused by the coronavirus pandemic.
Consumer complaint received 2021-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

USAA closed a checking account that Ive had for 15 years! I, XXXX XXXX, am the consumer original creditor, natural person pursuant 15 USC 1692 a ( 3 ). I extended my social security credit card to open up this checking account which authorizes me as the original creditor/ account holder. Closing this account without written instruction of the consumer, myself, is a violation of 15 USC 1681b ( a ) ( 2 ). This is also a breach of my privacy and is discrimination! Due to financial hardships which i conveyed to USAA i have no money. Pursuant to FCA - Financial hardship is not grounds to close a persons checking account without their permission. Pursuant to Federal Law 15 USC 1681 ( n ) ( a ) i am invoking specified remedy as a consumer. I demand my account be reopened with a positive balance. I am willing to settle outside of court but if my demands are not honored and fulfilled. I will be invoking specified remedy as a consumer demanding monetary relief of {$5000.00} for damages, defamation of character, violation of privacy, my rights as a consumer and the erroneous reports that hurt my credit worthiness as well as raised the cost of credit.
Consumer complaint received 2021-03-14
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. (OR)

The lawyer collecting and I agreed on XXXX by XX/XX/2021 to settle the debt in full. 2 weeks later XXXX sent a credit update that shows it was never paid. I started disputing the information and provided bank statements and the agreement for payment. XXXX denied this and continued to report as not payed. So I disputed with a second crediting agency. Now XXXX is reporting that I still owe a balance that was not agreed upon and the account is still open and behind and unpaid. So I submitted the letter from there lawyers stating that I have paid in-full as of XX/XX/2021 and this account is closed and not late as of XX/XX/2021. Which is dated before all of their bogus reports.
Consumer complaint received 2021-03-14
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. (PA)

notices some unauthorized, and fraudulent entries listed on my report. The following accounts submitted below please block and remove from my report. These unauthorized, and fraudulent entries are hindering my credit report
Consumer complaint received 2021-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been fighting an ongoing battle to fix my credit reports and XXXX reports due to previous and existing identity fraud. I also have been arrested and charged due to fraudulant actions committed by whomever stole my identity. These charges have been dropped and I am not convicted of anything. I have documentation of all processes and time frames. I have filed all legally required and proper reports and yet these companies and banks are still refusing to fix my credit and consumer reports and have banned me forever from using there products. 

BANK OF AMERICA, review my complaint I made about XXXX regarding you below! 

" The specific complaint I have for this company, XXXX, is that they default to side with these companies and banks no matter what, and there requirements for verified data from them is not acceptable. Regarding account Bank of America and XXXX they both fall under same category. I am more concerned with Bank of America as they are reporting that I am engaging in check fraud and was verified by the state of florida, which is false and considered libel and slander! Especially since all charges have been dropped. I asked XXXX to fix this twice and they refuse. A police report is not legally required only required report is a law enforcement agency report and/or government agency report. This requirement has been fulfilled and they and other banks are refusing to accept this. The reason I can not aquire a police or sheriff report is due to the fact that I am not allowed to due to my original charges and they refuse to do so, According to my local law enforcement. I assume I can't go 3 counties over or go to Alabama to find any place station so that's why. I would contact fbi if I could but you and I both know they won't take a report from me. XXXX needs to be more loyal of consumers and there complaints than to companies. I want this fixed NOW! ''
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX credit card balance reported on credit creports. filed dispute with the big3. under unatherized use of credit reporting. all 10 items removed and reported back to credit report. disputed again. removed. then reported 3rd time as negitive experian, XXXX, XXXX  continue to report neg. items not belonging to me. have contacted crediter. no response. experian stated they will not dispute said items again. experian states by law they do not have to dispute over 1 time. experian, XXXX  have locked me out of my account. this is my information i have a rght to view and dispute any and all information that is not correct. my family lives on the streets due to fake info on reports. turned down jobs, lack of homes due to the big 3 is not required or no laws inposted to make them do the job. XX/XX/XXXX XXXX  breech. info provided to me that my info was lost.
Consumer complaint received 2021-10-04
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. (MD)

I have not been late on my mortgage since XXXX. So, at the end of XXXX ( maybe XXXX ) I applied for a loan modification. They needed a particular document that I could not get until XX/XX/XXXX. So, in XX/XX/XXXX I applied again for the for the loan modification. It was approved. In XX/XX/XXXX ( i believe ) I began making the new loan modification trial payment. I always pay my mortgage the last week of the month prior. So mostly a week early. On XX/XX/XXXX when I went to make my XX/XX/XXXX trial payment I could not. At that time I was advised that my modification was denied because I was sent documents in XX/XX/XXXX and that I did not return the documents. These documents according to XXXX agent # XXXX, were the original docs that I had already submitted and returned notarized. I was told that the docs were sent via XXXX XXXX. I asked them to check the tracking because I never received any documents. Each time I spoke with XXXX agent # XXXX. She stated that she checked the tracking number and that it never left XXXX. I then asked if she could roll this up to her managers because I had been very careful to do everything that was asked of me. She told me that XXXX XXXX agent # XXXX was the one that needed to revised the decision. Again to no avail. On XX/XX/XXXX I spoke to XXXX again who told me that she spoke to her supervisor, XXXX XXXX. That XXXX XXXX was going to reach out to XXXX XXXX directly yo see why docs were resent that I had already signed and sent in. And to see why I was denied. Again no resolve. On XX/XX/XXXX I was then told that needed to complete another loan modification since that one was denied. However, I was never given a reason or any assistance. Then I received a late payment on my credit report. And I had to pay XXXX over {$16000.00} to get my account current because I was afraid they would take my home because I began getting nasty collection calls. Then to add even more insult. After I paid the $ XXXX they sold my account to another company.
Consumer complaint received 2020-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CO)

Since XX/XX/XXXX Mrs. XXXX XXXX me wife and my son XXXX XXXX XXXX XXXX XXXX mother passed away. My son has has been making the payments on the property while I was gone. Since XX/XX/XXXX I  have contacted Bayview and told them that the way the property is titled and since there is a Joint Tenancy filed with the local county and copies have been sent as well as copies of the will these people do nothing but talk about Probate the case. This does not have to be done. Since XXXX oaf Last year my son suffered a XXXX and also find out that he was a XXXX  XXXX XXXX  now on XXXX XXXX and I believe that the XXXX Bayview with the stress has caused us that they are the ones responsible for my son 's health problem. For my own purpose I am enclosing XXXX County Court Documents that show on XX/XX/XXXX I am a Joint tenant of the property and the property needs no probate. Also on XX/XX/XXXX My son XXXX XXXX XXXX XXXX and my wife XXXX XXXX XXXX are joint tenants. This XXXX  about probate and there lawyers since they lose cases in court all the time are idiots. I did talk with a nice lady at Bayview by the name of XXXX XXXX and she was looking into this. Also on XX/XX/XXXX I spoke to a Lady Named XXXX ID Badge XXXX and of that day was sending out papers. To this day XX/XX/XXXX I have gotten nothing more stories. Since Bayview does not follow Federal Law in offering Loan modification and I am sure that this matter should be resolved in 24 hours they will drag their feet. I have seveal offers from attorney to sue them that I have talked with but not retained. This company is a front for illegal activity and since I was a big supporter of President Trump I  talked with someone on his campaign staff and made them aware and when he gets the time maybe he needs to investigate this company. All I want to do is have the ownership by law that I have and get help with getting this resolved. Thank you for your time.
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

n a XX/XX/XXXX Credit Report there was a charge off for a XXXX/XXXX. 
In a recent XXXX Credit Report the same XXXX/XXXX  was showing as a collection. 

I am filing a complain against XXXX, Experian and XXXX  for improper reporting of this charge off on my XX/XX/XXXX Credit report. 

This XXXX/XXXX  collection needs to be deleted as it was shown as a charge off on my XX/XX/XXXX credit report and four years  later somehow it is reporting differently. 

I have attached both credit reports for you to compare. 

This needs to be deleted off of my credit report. 
Thank you, XXXX & XXXX XXXX
Consumer complaint received 2024-01-05
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. (FL)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Consumer complaint received 2024-03-18
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (IN)

On XX/XX/XXXX I noticed there were several NSF applied to my PNC checking account. If they had processed them in order there would have been one NSF fee, but instead, they applied NSF fees to 7 transactions, {$36.00} a piece. I called on XX/XX/XXXX and spoke to a " consultant '' and she attempted to credit the money back but the system would not allow her to. The next day I went into my bank account to assess if there were any more NSF fees. That's when I noticed a " Teller Deposit '' for {$340.00}. I called and spoke to another " consultant '' and she told me it was for a child tax credit and it would be removed with the deposit of the child tax credit. I had my complaint escalate and was left an email by a woman ( I will provide the name later ). I tried to contact her and the number she left would just ring and ring and then hang up with no voice mail. On Saturday XX/XX/XXXX, after I had transferred funds and made a mortgage payment, PNC decided to revoke the " Teller Deposit. '' My account showed a negative balance and it's as if the " Teller Deposit '' was never made. However, I took screenshots. No notification and my mortgage has not been deducted yet. So I called the main PNC number on XX/XX/XXXX and the " consultant '' escalated my complaint to another individual in the same department ( Retail Management ). The gentlemen refused to give me his last name, employee ID, or any identifying information. I spoke to him about the " Teller Deposit '' at which point he told me it was a mistake by the teller and I shouldn't have spent the money. At this point, I explained that the teller told me it was for a child tax credit. So he looked at the account and stated it was a " COVID relief '' deposit. I then posed the question that they can just arbitrarily add and take away money without notifying the customer. He told me, " Yes, '' and I proceeded to tell him that this was not legal and he insisted that it was. I have been a customer for over 10 years with PNC and after this, it has left a bad taste in my mouth, and will be searching for another bank to bank with. I have screenshots in XXXX XXXX form for the company to review.
Consumer complaint received 2021-10-04
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. (GA)

My rights are continuously being violated! There is currently still misreporting on my credit report and the credit bureaus have neglected to delete or respond to! These violations have gotten out of hand and need to be addressed.